Universal Secure Registry, a small firm from Boston, has filed a patent complaint against Apple and Visa over the technology used to create Apple Pay. According to the lawsuit, Kenneth P. Weiss, CEO of Universal Secure Registry, holds 13 patents pertaining to the use of fingerprints and one-time tokens in order to authenticate secure financial transactions. Weiss pitched the technology extensively to Visa in 2010. Visa agreed to a 10-year nondisclosure agreement and even assigned engineers to understand how Universal Secure Registry's process worked. Visa never adopted the technology, but several years later worked with Apple, MasterCard, and American Express to create Apple Pay, which launched in 2014. Apple Pay relies on fingerprints and one-time tokens to facilitate iPhone-based mobile payments. Patent law firm Quinn Emanuel Urquhart & Sullivan -- one that represented Samsung and its fight against Apple over Android patents -- suggested Universal Secure Registry take Apple to court over the patented technology. Apple has not yet responded publicly to the lawsuit.


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