It's not a patent, it's a patent application. Anyone can fill a patent application, then it's processed to see if the "new claim" deserves a patent.
True blue but has anyone else applied for the patent ;-)
VISA...
Can you please provide a link to the Patent ?
Just ONE example,
WORLD PATENT GRANTED TO VISAhttps://patentscope.wipo.int/search/fr/detail.jsf?docId=WO2018169505&tab=PCTDESCRIPTION&office=&prevFilter=&sortOption=Date+de+pub.+antichronologique&queryString=FP%3A%28visa%29&recNum=1&maxRec=7609WO2018169505
Conducting daily financial transactions using portable financial devices, such as payment by credit card, debit card,
or an electronic wallet application, offers numerous advantages over other payment methods, such as using cash or personal check. These advantages include:
ease of use at the point-of-sale, elimination of the need to carry large amounts of cash, and ability to earn rewards for use of the portable financial device. Such transactions are also beneficial for issuing institutions and transaction service providers for collecting transaction data that can be used for analysis. Despite these advantages, many people around the world still do not fully utilize, or utilize at all, portable financial devices for their financial transactions.