ALEXANDRIA, Va., July 15 -- United States Patent no. 12,665,903, issued on June 23, was assigned to MASTERCARD TECHNOLOGIES CANADA ULC (Vancouver, Canada).

"Frictionless multi-factor authentication" was invented by Sik Suen Chan (Richmond, Canada), Igor Opushnyev (New Westminster, Canada), Kyle Williams (Wentzville, Mo.) and Perry McGee (Vancouver, Canada).

According to the abstract* released by the U.S. Patent & Trademark Office: "Devices, methods, and computer-readable media that perform frictionless multi-factor authentication. In one embodiment, a server includes a memory including a frictionless multi-factor authentication (fMFA) service, and an electronic processor communicatively coupled to the memory. The electronic processor is c...