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Integration of verification tokens with mobile communication devices

A technology of mobile communication equipment and tokens, which is applied in the directions of secure communication devices, user identity/authority verification, digital data authentication, etc., and can solve the problems of great inconvenience

Active Publication Date: 2013-08-28
VISA INT SERVICE ASSOC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

If the inconvenience of receiving and using dCVV is too great, the consumer may not use dCVV or the consumer may conduct fewer transactions

Method used

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  • Integration of verification tokens with mobile communication devices
  • Integration of verification tokens with mobile communication devices
  • Integration of verification tokens with mobile communication devices

Examples

Experimental program
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Embodiment Construction

[0040] Embodiments disclosed herein relate to authentication of portable consumer devices. Portable consumer devices include devices that hold identifying information associated with an account a user maintains with another entity, typically holding, extending, or crediting an item of value to the user (e.g., monetary funds, credit, debt etc.) entities. Portable consumer devices encompass credit cards, prepaid cards, debit cards, bank cards, prepaid cards, charge cards, secured cards, and other cards that identify an account held by a user with another entity. Cards can exist in both passive forms (eg cards with magnetic stripes) and active forms (eg integrated circuit cards, smart cards) and further encompass portable electronic devices that function in whole or in part as such cards. Such portable electronic devices may include memory cards, account tokens, key fobs, stickers, cellular phones (including near field communication phones), key fob devices such as the Speedpass...

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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 computers networking facilities. The verification token reads identification information from a users portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computers 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 computers display, or may display the value to the user using the computers display.

Description

[0001] Cross References to Related Applications [0002] This application is a continuation-in-part of U.S. Patent Application No. 12 / 780,657, filed May 14, 2010, entitled "Verification of Portable Consumer Devices," which was filed on February 14, 2010 Continuation-in-part of U.S. Patent Application Serial No. 12 / 712,148, filed May 24, entitled "Verification of Portable Consumer Devices," each of which claims the application filed on May 15, 2009, entitled " Priority to U.S. Provisional Patent Application No. 61 / 178,636 for Dynamic Data Authentication. This application also claims U.S. Patent Application No. 13 / 250,918, filed September 30, 2011, entitled "Integration of Verification Tokens With Mobile Communication Devices," and Priority to U.S. Provisional Patent Application No. 61 / 407,423, entitled "Integration of Verification Tokens With Mobile Communication Devices," filed on . The contents of all of the above-identified US applications are hereby incorporated by referenc...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/12G06Q20/38G06F21/34H04L9/32
CPCG06F21/34G06F2221/2129G06Q20/12G06Q20/385G06Q20/40G06Q20/4018G06Q20/42G06Q20/425H04L9/3231H04L9/3234H04L63/0853H04L63/126H04L2209/805G06Q20/352G06Q20/341H04L9/10H04L9/14H04L2209/12H04L2209/24
Inventor A·哈玛德
Owner VISA INT SERVICE ASSOC
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