US 9,317,848 B2 · Integration of verification tokens with mobile communication devices

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.

Claims21

Dependent claims

A mobile communication device comprising:

a housing;
and
a verification token disposed within the housing, the verification token comprising
a computer-readable medium;
a data processor electrically coupled to the verification token and the computer-readable medium;
code embodied on the computer-readable medium that directs the data processor to obtain identification information;
code embodied on the computer-readable medium that directs the data processor to transmit the identification information to an entity;
and
code embodied on the computer-readable medium that directs the data processor to receive, after transmitting the identification information, a dynamic PAN from the entity;
and
code embodied on the computer-readable medium that directs the data processor to locate a browser web page on the mobile communication device that has a form field for an account number and a form field for a verification value, and to enter the dynamic PAN received from the entity in the form field for the account number.

8 more elements

Dependencies are inferred from the claim text.

Integration of verification tokens with mobile communication devices

Life of this patent

Integration of verification tokens with mobile communication devices

Life of this patent

Abstract

Claims21