US Patent Issued to Visa International Service Association on June 2 for "Integration of verification tokens with mobile communication devices" (California Inventor)

ALEXANDRIA, Va., June 2 -- United States Patent no. 12,646,045, issued on June 2, was assigned to Visa International Service Association (San Francisco).

"Integration of verification tokens with mobile communication devices" was invented by Ayman Hammad (Pleasanton, Calif.).

According to the abstract* released by the U.S. Patent & Trademark Office: "A method is disclosed. The method includes receiving, by a computer from a portable device via an NFC interaction, a cryptogram, the cryptogram based at least upon a primary account number. The method includes generating, by the computer, a request for dynamic account information, the request comprising the cryptogram, and transmitting, by the computer to a validation entity computer over a co...