Integration of verification tokens with mobile communication devices
AssigneeVisa International Service Association
InventorAyman Hammad
Life of this patent
Estimating the term…
Abstract
A method is disclosed. The method includes receiving, by a computer from a portable device via an NFC interaction, a cryptogram, the cryptogram based at least upon a primary account number. The method includes generating, by the computer, a request for dynamic account information, the request comprising the cryptogram, and transmitting, by the computer to a validation entity computer over a communications network comprising the Internet or a cellular phone network. The request comprises the cryptogram. The validation entity computer validates the cryptogram. The method also includes responsive to the validation entity computer validating the cryptogram, receiving, by the computer from the validation entity computer, the dynamic account information over the communications network.
Claims20
A method comprising:
- receiving, by a validation entity computer from a computer over a communications network comprising the Internet or a cellular phone network, a request for dynamic account information, the request comprising a cryptogram, the cryptogram based at least upon a primary account number, the receiving of the request for the dynamic account information occurring after and in response to a portable device interacting with the computer via near field communications to provide the cryptogram to the computer, the portable device being in the form of a card;
- validating, by the validation entity computer, the cryptogram;
- and
- in response to validating the cryptogram, providing, by the validation entity computer, the dynamic account information over the communications network, the dynamic account information comprising a dynamic account number.
A validation entity computer comprising:
- a processor;
- and
- a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor, for performing operations comprising:
- receiving, from a computer over a communications network comprising the Internet or a cellular phone network, a request for dynamic account information, the request comprising a cryptogram, the cryptogram based at least upon a primary account number, the receiving of the request for the dynamic account information occurring after and in response to a portable device interacting with the computer via near field communications to provide the cryptogram to the computer, the portable device being in the form of a card;
- validating the cryptogram;
- and
- in response to validating the cryptogram, providing the dynamic account information over the communications network, the dynamic account information comprising a dynamic account number.
A method comprising:
- receiving, by a computer from a portable device via an NFC interaction, a cryptogram, the cryptogram based at least upon a primary account number;
- responsive to receiving the cryptogram, generating, by the computer, a request for dynamic account information, the request comprising the cryptogram;
- transmitting, by the computer to a validation entity computer over a communications network comprising the Internet or a cellular phone network, the request comprising the cryptogram, wherein the validation entity computer validates the cryptogram;
- and
- responsive to the validation entity computer validating the cryptogram, receiving, by the computer from the validation entity computer, the dynamic account information over the communications network, the dynamic account information comprising a dynamic account number.
Dependencies are inferred from the claim text.