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 access to a networking facility of the computer;
code embodied on the computer-readable medium that directs the data processor to establish, using the networking facility of the computer, communications with an entity that can provide a device verification value;
code embodied on the computer-readable medium that directs the data processor to transmit at least a portion of the received identification information to the entity by way of the networking facility of the computer; 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
20 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 access to a networking facility of the computer; code embodied on the computer-readable medium that directs the data processor to establish, using the networking facility of the computer, communications with an entity that can provide a device verification value; code embodied on the computer-readable medium that directs the data processor to transmit at least a portion of the received identification information to the entity by way of the networking facility of the computer; 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)
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12. A method comprising:
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establishing a communications link between a verification token and a computer, the computer having a networking facility; establishing, using the networking facility of the computer, a communications session between the verification token and an entity that can provide a device verification value; reading identification information from a portable consumer device into the verification token; transmitting the read identification information from the verification token to the entity through the communications session, the read identification information being transmitted to the entity in an encrypted form; and after transmitting the identification information, receiving, at the verification token, a device verification value from the entity by way of the communications session. - View Dependent Claims (13, 14, 15, 16, 17, 18)
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19. A method comprising:
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coupling a verification token to a computer using a peripheral interface of the computer, the computer having a networking facility, the verification token comprising a peripheral interface adapted to couple to the peripheral interface of the computer, a reader adapted to read identification information from portable consumer devices, a computer-readable medium, and a data processor, the verification token being configured to read identification information of a portable consumer device using the reader and to obtain a device verification value therefor from a first entity using the networking facility of the computer; presenting a portable consumer device to the reader of the verification token to obtain a device verification value for the portable consumer device; and providing the obtained device verification value to a second entity. - View Dependent Claims (20)
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Specification