US 8,534,564 B2Granted

Integration of verification tokens with mobile communication devices

OwnerAyman Hammadinventor

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Abstract

Apparatuses, methods, and systems pertaining to the verification of portable consumer devices are disclosed. In one implementation, a verification token is communicatively coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a device verification value to the verification token, and optionally to a payment processing network. The verification token may enter the device verification value into a CVV field of a web page appearing on the computer's display, or may display the value to the user using the computer's display.

Claims40

Dependent claims

A verification token comprising:

a peripheral interface adapted to communicatively couple to a peripheral interface of a mobile communications device;
a reader adapted to read identification information from portable consumer devices;
a computer-readable medium;
a data processor electrically coupled to the peripheral interface of the verification token, the reader, and the computer-readable medium;
code embodied on the computer-readable medium that directs the data processor to receive identification information read from a portable consumer device by the reader;
code embodied on the computer-readable medium that directs the data processor to communicate with the mobile communications device by way of the peripheral interface;
code embodied on the computer-readable medium that directs the data processor to transmit at least a portion of the received identification information to an entity;
and
code embodied on the computer-readable medium that directs the data processor to receive, after transmitting said identification information, a device verification value from the entity;
and
wherein the verification token is configured to be located within a housing of the mobile communications device;
and further comprising
code embodied on the computer-readable medium that directs the data processor to locate a browser web page on the mobile communications device that has a form field for the verification value, and to enter the verification value received from the entity in the form field.

10 more elements

A mobile communication device comprising:

a housing;
a first processor disposed within the housing;
a first memory unit disposed within the housing;
an input-output controller coupled to the first processor;
a verification token disposed within the housing and communicatively coupled to the input-output controller, the verification token comprising a second processor separate from the first processor, a second memory unit separate from the first memory unit, and a reader coupled to the second processor, the reader configured to obtain information from a portable consumer device, the verification token receiving identification information from the portable consumer device by way of the reader, transmit at least a portion of the received identification information to an entity that can provide a verification value by way of the first processor, and receive a verification value from the entity by way of the first processor;
and
a battery that supplies power to the verification token.

4 more elements

A mobile communication device comprising:

a housing;
a first processor disposed within the housing;
a first memory unit disposed within the housing;
an input-output controller coupled to the first processor;
a card reader configured to obtain information from a portable consumer device;
a second processor disposed within the housing and communicatively coupled to the input-output controller and the card reader, the second processor being separate from the first processor and configured to process information from portable consumer devices;
a battery that supplies power to the first and second processors, the first memory unit, and the card reader.

4 more elements

Dependencies are inferred from the claim text.

Facts

Application: 13/250,918Filed 30 Sep 2011 · continuation in part
Priority: 15 May 2009
Published: US 2012/0031969 A19 Feb 2012
Granted: 17 Sep 2013
Term ends: Not estimatedThe source records don’t support an estimate.

Classification22 codes

G06Q 20/341
Using cards, e.g. integrated circuit [IC] cards or magnetic cards: active cards, i.e. cards including their own processing means, e.g. including…
G06F 21/34
User authentication: involving the use of external additional devices, e.g. dongles or smart cards
G06Q 20/12
Payment architectures: specially adapted for electronic shopping systems
G06Q 20/352
Using cards, e.g. integrated circuit [IC] cards or magnetic cards: contactless payments by cards

Family

Application61/178,636Us provisional application · filed 15 May 2009
Application12/712,148Parent of this continuation-in-part · filed 24 Feb 2010
Application12/780,657Parent of this continuation-in-part · filed 14 May 2010
Application61/407,423Us provisional application · filed 27 Oct 2010
US 2012/0031969 A1Pre-grant publication · published 9 Feb 2012
US 7,891,560 B2Parent of this continuation-in-part
US 2010/0293381 A1Published application
US 2010/0293382 A1Published application
US 9,038,886 B2Related patent
US 8,534,564 B2This patent

From the US filing history. Foreign family members aren’t listed.