US Patent Issued to Visa U.S.A. on March 3 for "Cardless challenge systems and methods" (California Inventors)

ALEXANDRIA, Va., March 3 -- United States Patent no. 12,567,046, issued on March 3, was assigned to Visa U.S.A. Inc. (San Francisco).

"Cardless challenge systems and methods" was invented by Mark Carlson (Half Moon Bay, Calif.), Surendra Keshan (Cupertino, Calif.) and Patrick Faith (Foster City, Calif.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a judicious determination of when to ask such challenge questions and allowing complex and probative quest...