ALEXANDRIA, Va., April 21 -- United States Patent no. 12,608,693, issued on April 21, was assigned to Visa International Service Association (San Francisco).

"System, method, and computer program product for a contactless ATM experience" was invented by Praveen Kumar Suresh Guggarigoudar (Cedar Park, Texas) and Vahini Mohan (Austin, Texas).

According to the abstract* released by the U.S. Patent & Trademark Office: "Systems, methods, and computer program products for a contactless automated teller machine (ATM) experience receive, from a telephone number, a first short message service (SMS) message including a unique identifier associated with an ATM terminal; in response to receiving the first SMS message, communicate, to the ATM terminal...