VERIFICATION OF A PORTABLE CONSUMER DEVICE IN AN OFFLINE ENVIRONMENT
First Claim
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1. A method of processing a transaction, the processing method comprising:
- receiving data from a portable consumer device at a reader, wherein the portable consumer device stores an issuer verification value associated with an issuer and a supplemental verification value, and wherein the supplemental verification value is verified using an offline processing system that is not in communication with the issuer;
processing the supplemental verification value at the reader; and
authorizing the transaction if the processed supplemental verification value indicates that the portable consumer device is authenticated.
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Abstract
A portable consumer device includes a base, and a computer readable medium on the base. The computer readable medium comprises code for an issuer verification value and a supplemental verification value. The issuer verification value is used by an issuer to verify that the portable consumer device is authentic in an on-line transaction and the supplemental verification value is used to verify that the portable consumer device is authentic in an off-line transaction.
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Citations
39 Claims
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1. A method of processing a transaction, the processing method comprising:
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receiving data from a portable consumer device at a reader, wherein the portable consumer device stores an issuer verification value associated with an issuer and a supplemental verification value, and wherein the supplemental verification value is verified using an offline processing system that is not in communication with the issuer; processing the supplemental verification value at the reader; and authorizing the transaction if the processed supplemental verification value indicates that the portable consumer device is authenticated. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A method of providing a portable consumer device, the method comprising:
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receiving a supplemental verification value associated with an offline processing system; and storing the supplemental verification value and an issuer verification value in the portable consumer device, such that data from the portable consumer device concerning a transaction can be received at a reader, wherein the issuer verification value is associated with an issuer, and wherein the supplemental verification value can be verified using an offline processing system that is not in communication with the issuer such that the supplemental verification value can be processed at the reader and the transaction can be authorized if the processed supplemental verification value indicates that the portable consumer device is authenticated. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25)
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26. A portable consumer device comprising:
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a base; and a computer readable medium on the base, wherein the computer readable medium stores code for an issuer verification value and a supplemental verification value, wherein the issuer verification value is used by an issuer to verify that the portable consumer device is authentic in an online transaction and wherein the supplemental verification value is used to verify that the portable consumer device is authentic in an offline transaction, such that data from the portable consumer device concerning a transaction can be received at a reader, wherein the issuer verification value is associated with an issuer, and wherein the supplemental verification value can be verified using an offline processing system that is not in communication with the issuer such that the supplemental verification value can be processed at the reader and the transaction can be authorized if the processed supplemental verification value indicates that the portable consumer device is authenticated. - View Dependent Claims (27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37)
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- 38. A reader configured to receive data from a portable consumer device, wherein the portable consumer device stores an issuer verification value associated with an issuer and a supplemental verification value, and wherein the supplemental verification value is verified using an offline processing system that processes the supplemental verification value at the reader, and authorizes the transaction if the processed supplemental verification value indicates that the portable consumer device is authenticated.
Specification