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US 8,893,967 B2Granted
Secure Communication of payment information to merchants using a verification token
AssigneeVisa International Service Association
InventorAyman Hammad
Life of this patent
Estimating the term…
Abstract
Disclosed are apparatuses, systems, and methods pertaining to the secure communication of payment information from portable consumer devices, such as credit cards, to online merchants using verification tokens.
Claims21
A method comprising:
- establishing a communication link between a verification token and a computer, the computer having a networking facility, an Internet browser, and a display having a merchant web page of a merchant displayed thereon by the Internet browser;
- reading identification information from a portable consumer device into the verification token;
- obtaining a merchant identifier that identifies the merchant of the web page;
- and
- transmitting, using the networking facility of the computer, at least a portion of the read identification information and the obtained merchant identifier from the verification token to a validation entity, wherein the validation entity thereafter provides at least a portion of the read identification information to the merchant webpage via a communication channel between the merchant webpage and the validation entity.
2 more elements
A system comprising a verification token and a computer, the system being configured to:
- establish a communication link between the verification token and the computer, the computer having a networking facility, an Internet browser, and a display having a merchant web page of a merchant displayed thereon by the Internet browser;
- read identification information from a portable consumer device into the verification token;
- obtain a merchant identifier that identifies the merchant of the web page;
- and
- transmit, using the networking facility of the computer, at least a portion of the read identification information and the obtained merchant identifier from the verification token to a validation entity, wherein the validation entity thereafter provides at least a portion of the read identification information to the merchant webpage via a communication channel between the merchant webpage and the validation entity.
2 more elements
Dependencies are inferred from the claim text.