ALEXANDRIA, Va., March 17 -- United States Patent no. 12,579,233, issued on March 17, was assigned to Wells Fargo Bank N.A. (San Francisco).

"Apparatuses, methods, and computer program products for proactive offline authentication" was invented by Peter Bordow (Fountain Hills, Ariz.), Jeff J. Stapleton (O'Fallon, Mo.) and Ramesh Yarlagadda (Charlotte, N.C.).

According to the abstract* released by the U.S. Patent & Trademark Office: "A method, apparatus, and computer program product for proactive offline authentication are provided. An example method includes determining a current offline condition of a computing device at a first time and determining a prior online condition of the computing device at a second time that is earlier than th...