Portable device with local verification data
First Claim
1. A method comprising:
- receiving, at an access device via a portable device reader in communication with the access device, user data from a portable device in relation to a transaction, wherein the portable device comprises a payment card having the user data stored in an integrated circuit;
identifying, by the access device within the user data, verification data associated with a user of the portable device, wherein the verification data comprises at least an image of the user;
displaying, by the access device, the verification data on a display device in communication with the access device wherein the image of the user is caused to be displayed by the access device in a manner which enables an operator to manually verify the verification data;
receiving, by the access device from the operator, an indication that the user is verified;
identifying, by the access device within the user data, access data associated with the user of the portable device; and
initiating the transaction using the identified access data.
1 Assignment
0 Petitions
Accused Products
Abstract
Embodiments of the disclosure are directed to systems and methods in which verification data is written to a portable device and used to complete a transaction. The system may identify a number of trusted third-party entities computers capable of providing verification data associated with a particular user. The system may generate requests to each of the trusted third-party computers for that verification data. Upon receiving responses, the system may select an appropriate verification data from the responses received from those trusted third-party computers. The verification data is then written to a portable device, which is provided to a user with which it is associated. Once provided, the portable device may be used in a transaction conducted at a resource provider and the verification data may be caused to be displayed on a display operated by the resource provider.
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Citations
13 Claims
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1. A method comprising:
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receiving, at an access device via a portable device reader in communication with the access device, user data from a portable device in relation to a transaction, wherein the portable device comprises a payment card having the user data stored in an integrated circuit; identifying, by the access device within the user data, verification data associated with a user of the portable device, wherein the verification data comprises at least an image of the user; displaying, by the access device, the verification data on a display device in communication with the access device wherein the image of the user is caused to be displayed by the access device in a manner which enables an operator to manually verify the verification data; receiving, by the access device from the operator, an indication that the user is verified; identifying, by the access device within the user data, access data associated with the user of the portable device; and initiating the transaction using the identified access data. - View Dependent Claims (2, 3, 4, 5, 6, 11, 12, 13)
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7. An access device comprising:
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a display; a portable device reader; a processor; and a memory including instructions that, when executed with the processor, cause the access device to, at least; receive, via the portable device reader, user data from a portable device in relation to a transaction, wherein the portable device comprises a payment card having the user data stored in an integrated circuit; identify, within the user data, verification data associated with a user of the portable device, wherein the verification data comprises at least an image of the user; display the verification data on the display, wherein the image of the user is caused to be displayed by the access device in a manner which enables an operator to manually verify the verification data; receive, from the operator of the access device, an indication that the user is verified; identify, within the user data, access data associated with the user of the portable device; and initiate a transaction using the access data. - View Dependent Claims (8, 9, 10)
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Specification