NPCA Wins U.S. Patent On Mobile-Enabled “Decoupled Debit” Transactions

The National Payment Card Association was issued a third patent in the area of “decoupled debit” technology, Finextra reports.

Decoupled debit transactions occur when a consumer completes a payment without using a bank- or credit union-issued payment card, the report explains.

The NPCA provides merchant-branded PIN-enabled debit cards to retailer partners, including AAA, Marathon, and Fresh Foods.

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