In September 2026 Visa patented user-authentication technology for third-party applications, helping secure token-based payments across mobile devices and payment networks.
US patent US12749078
Abstract
Systems and methods of preventing fraud and authenticating users while processing a token on a token provider computer, a token gateway computer, and a mobile device are disclosed.
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linkedin_urlValue in the APIindustriesValue in the APIemployee_count_lowValue in the APIemployee_count_highValue in the APIrevenueValue in the APIdescriptionValue in the APISignal
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{
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"signal_type": "patents-company",
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"detected_at": "2026-09-30T17:22:10+00:00",
"company": {
"name": "Visa",
"domain": "visa.com"
},
"data": {
"cpc": [
{
"code": "G06Q 20/4012",
"label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
},
{
"code": "G06Q 20/4016",
"label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
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{
"code": "G06Q 20/409",
"label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
}
],
"tags": [
"Intellectual Property",
"Research & Development",
"Fraud Protection",
"Authentication",
"Financial Transactions"
],
"detail": "In September 2026 Visa patented user-authentication technology for third-party applications, helping secure token-based payments across mobile devices and payment networks.",
"summary": "Visa was granted a patent for fraud prevention during token processing",
"event_at": "2026-09-29",
"inventors": [
{
"name": "Wilson Thampi",
"status": "resolved",
"is_primary": true,
"linkedin_url": "https://www.linkedin.com/in/wilson-thampi"
}
],
"tech_area": "business methods / CRM / fintech",
"event_kind": "grant_date",
"grant_date": "2026-09-29",
"source_url": "https://patents.google.com/patent/US12749078",
"cpc_primary": {
"code": "G06Q 20/4012",
"label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
},
"patent_title": "System to prevent frauds and authenticate users for third party applications while token processing",
"patent_number": "US12749078",
"uspto_assignee": "Visa International Service Association",
"patent_abstract": "Systems and methods of preventing fraud and authenticating users while processing a token on a token provider computer, a token gateway computer, and a mobile device are disclosed.",
"precision_class": "structural",
"invention_explanation": "A system that checks a user’s identity and screens for fraud as a payment token moves between an app, a token gateway, and a mobile device.",
"technologies_mentioned": [
"tokenization",
"fraud prevention",
"user authentication",
"mobile payments"
]
}
}
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