Integration of verification tokens with mobile communication devices
First Claim
1. 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; and
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, and a second memory unit that is separate from the first memory unit and stores an encryption key that is used by the second processor for encrypting or signing data sent from the verification token to a validation entity that validates the encrypted or signed data and then provides a dynamic account number to the verification token, and wherein the verification token stores the dynamic account number from the validation entity.
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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.
769 Citations
15 Claims
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1. A mobile communication device comprising:
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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; and 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, and a second memory unit that is separate from the first memory unit and stores an encryption key that is used by the second processor for encrypting or signing data sent from the verification token to a validation entity that validates the encrypted or signed data and then provides a dynamic account number to the verification token, and wherein the verification token stores the dynamic account number from the validation entity. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method comprising:
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receiving identification information at a verification token in a mobile communication device, the mobile communication device comprising (a) a housing, (b) a first processor disposed within the housing, (c) a first memory unit disposed within the housing, (d) an input-output controller coupled to the first processor, and (e) the verification token 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 storing an encryption key; encrypting or signing, the identification information using the second processor and the encryption key; transmitting, the encrypted identification information to a validation entity, wherein the validation entity validating the encrypted or signed identification information, and then transmits a dynamic account number to the verification token in response to the validating; and receiving, the dynamic account number at the verification token. - View Dependent Claims (10, 11, 12, 13, 14, 15)
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Specification