VERIFICATION OF PORTABLE CONSUMER DEVICES
First Claim
1. A verification token comprising:
- a peripheral interface adapted to couple to a peripheral interface of a computer;
a reader adapted to read identification information from portable consumer devices;
a computer-readable medium;
a data processor electrically coupled to the peripheral interface of the verification token, the reader, and the computer-readable medium;
code embodied on the computer-readable medium that directs the data processor to receive identification information read from a portable consumer device by the reader;
code embodied on the computer-readable medium that directs the data processor to communicate with a computer by way of the peripheral interface of the verification token and to gain access to a networking facility of the computer;
code embodied on the computer-readable medium that directs the data processor to transmit by way of the networking facility of the computer at least a portion of the received identification information to an entity that can provide a device verification value; and
code embodied on the computer-readable medium that directs the data processor to receive, after transmitting said identification information, a device verification value from the entity by way of the networking facility of the computer.
1 Assignment
0 Petitions
Accused Products
Abstract
Apparatuses, methods, and systems pertaining to the verification of portable consumer devices are disclosed. In one implementation, a verification token is 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.
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Citations
29 Claims
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1. A verification token comprising:
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a peripheral interface adapted to couple to a peripheral interface of a computer; a reader adapted to read identification information from portable consumer devices; a computer-readable medium; a data processor electrically coupled to the peripheral interface of the verification token, the reader, and the computer-readable medium; code embodied on the computer-readable medium that directs the data processor to receive identification information read from a portable consumer device by the reader; code embodied on the computer-readable medium that directs the data processor to communicate with a computer by way of the peripheral interface of the verification token and to gain access to a networking facility of the computer; code embodied on the computer-readable medium that directs the data processor to transmit by way of the networking facility of the computer at least a portion of the received identification information to an entity that can provide a device verification value; and code embodied on the computer-readable medium that directs the data processor to receive, after transmitting said identification information, a device verification value from the entity by way of the networking facility of the computer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A method comprising:
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establishing a communications link between a verification token and a computer, the computer having a networking facility; reading identification information from a portable consumer device into the verification token; transmitting the read identification information from the verification token to an entity that can provide a device verification value through the networking facility of the computer; and after transmitting the identification information, receiving, at the verification token, a device verification value from the entity by way of the networking facility of the computer. - View Dependent Claims (21, 22, 23, 24, 25, 26, 27, 28)
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29-74. -74. (canceled)
Specification