ALEXANDRIA, Va., April 7 -- United States Patent no. 12,597,038, issued on April 7, was assigned to Visa International Service Association (San Francisco).

"Real time interaction processing system and method" was invented by Shalini Khatwani (Singapore).

According to the abstract* released by the U.S. Patent & Trademark Office: "Described herein are methods and systems directed to enabling resource providers to interact with access credentials that the resource provider is typically not capable of interaction with. In some embodiments, a virtual account identifier is issued in association with the access credential, the virtual account identifier being issued by an authorization provider which is different from the authorization provider ...