Verification of portable consumer devices
First Claim
Patent Images
1. A method comprising:
- obtaining, by a server, from a request, a unique identification code assigned to a user;
obtaining, by the server, an account record that contains the obtained unique identification code, the account record associating a consumer account of a portable consumer device with the obtained unique identification code, the consumer account having an account number associated with the consumer account that identifies the consumer account, the obtained unique identification code being different from the account number of the consumer account of the obtained account record;
obtaining, by the server, a datum associated with a device verification value for the consumer account of the obtained account record, wherein the datum associated with the device verification value is valid for a predetermined amount of time or for a plurality of transactions;
sending, by the server, the obtained datum associated with the device verification value to at least one of a phone number or network address of a personal communication device associated with the consumer account of the obtained account record;
receiving, by the server and from a computer, an authorization request including the device verification value, the authorization request requesting authorization for a transaction;
determining, by the server, that the device verification value in the authorization request is valid; and
transmitting, by the server, an authorization response to the computer indicating that the transaction is authorized after determining that the device verification value is valid.
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Abstract
Embodiments of the invention are directed to methods, systems, and computer program products pertaining to obtaining, providing, and using dynamic card verification values for portable consumer devices, such as credit cards and debit cards. An exemplary method comprises receiving, at a server, a request for a device verification value for a portable consumer device associated with a user; obtaining, at the server, a datum indicative of a device verification value for a portable consumer device; and sending, from the server, the datum to at least one of a phone number or network address of a personal communication device associated with the user.
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Citations
23 Claims
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1. A method comprising:
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obtaining, by a server, from a request, a unique identification code assigned to a user; obtaining, by the server, an account record that contains the obtained unique identification code, the account record associating a consumer account of a portable consumer device with the obtained unique identification code, the consumer account having an account number associated with the consumer account that identifies the consumer account, the obtained unique identification code being different from the account number of the consumer account of the obtained account record; obtaining, by the server, a datum associated with a device verification value for the consumer account of the obtained account record, wherein the datum associated with the device verification value is valid for a predetermined amount of time or for a plurality of transactions; sending, by the server, the obtained datum associated with the device verification value to at least one of a phone number or network address of a personal communication device associated with the consumer account of the obtained account record; receiving, by the server and from a computer, an authorization request including the device verification value, the authorization request requesting authorization for a transaction; determining, by the server, that the device verification value in the authorization request is valid; and transmitting, by the server, an authorization response to the computer indicating that the transaction is authorized after determining that the device verification value is valid. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A server computer comprising a data processor, and a computer program product embodied on a computer-readable medium coupled to the data processor, the computer program product comprising:
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code that obtains from a request, a unique identification code assigned to a user; code that obtains an account record that contains the obtained unique identification code, the account record associating a consumer account of a portable consumer device with the obtained unique identification code, the consumer account having an account number associated with the consumer account that identifies the consumer account, the obtained unique identification code being different from the account number of the consumer account of the obtained account record; code that obtains a datum associated with a device verification value for the consumer account of the obtained account record, wherein the datum associated with the device verification value is valid for a predetermined amount of time or for a plurality of transactions; code that sends the obtained datum associated with the device verification value to at least one of a phone number or network address of a personal communication device associated with the consumer account of the obtained account record; code that receives an authorization request including the device verification value, the authorization request requesting authorization for a transaction; code that determines that the device verification value in the authorization request is valid; and code that transmits an authorization response to the computer indicating that the transaction is authorized after determining that the device verification value is valid. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23)
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Specification