ALEXANDRIA, Va., Dec. 16 -- United States Patent no. 12,500,874, issued on Dec. 16, was assigned to Visa International Service Association (San Francisco).

"Secure and accurate provisioning system and method" was invented by Madhuri Chandoor (San Jose, Calif.).

According to the abstract* released by the U.S. Patent & Trademark Office: "A method and system for provisioning credentials is disclosed. The method includes receiving an encrypted data packet including a first passcode and credentials in encrypted form, and a second passcode. The second passcode is compared to a first passcode. If the passcodes match, then a server computer can transmit a token associated with the credentials to a service provider computer."

The patent was filed...