ALEXANDRIA, Va., March 24 -- United States Patent no. 12,587,386, issued on March 24, was assigned to Visa International Service Association (San Francisco).
"Checkout with MAC" was invented by Hari Krishna Annam (San Francisco) and Selva Ganesh Vasudevan (San Francisco).
According to the abstract* released by the U.S. Patent & Trademark Office: "A system for protecting personal information uses a challenge and an encrypted copy of the challenge in the form of a message authentication code (MAC) to provide authentication among multiple parties. The challenge is received by a first party from a second party. The challenge is encrypted by the first party to form the MAC and then both the challenge and the MAC are returned to the second part...