INTEGRATION OF VERIFICATION TOKENS WITH MOBILE COMMUNICATION DEVICES
First Claim
1. A verification token comprising:
- a peripheral interface adapted to communicatively couple to a peripheral interface of a mobile communications device;
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 the mobile communications device by way of the peripheral interface of the verification token and to gain access to a networking facility of the mobile communications device;
code embodied on the computer-readable medium that directs the data processor to transmit by way of the networking facility of the mobile communications device 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 mobile communications device; and
wherein the verification token is located within a housing of the mobile communications device.
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 communicatively 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
41 Claims
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1. A verification token comprising:
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a peripheral interface adapted to communicatively couple to a peripheral interface of a mobile communications device; 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 the mobile communications device by way of the peripheral interface of the verification token and to gain access to a networking facility of the mobile communications device; code embodied on the computer-readable medium that directs the data processor to transmit by way of the networking facility of the mobile communications device 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 mobile communications device; and wherein the verification token is located within a housing of the mobile communications device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A mobile communication device comprising:
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a housing; a first processor disposed within the housing; a first memory unit disposed within the housing; an input-output controller coupled to the first processor; a verification token disposed within the housing and communicatively coupled to the input-output controller, the verification token comprising a second processor separate from the first processor, a second memory unit separate from the first memory unit, and a card reader coupled to the second processor, the card reader configured to obtain information from a portable consumer device, the verification token receiving identification information from a portable consumer device by way of the card reader, transmitting at least a portion of the received identification information to an entity that can provide a device verification value by way of the first processor, and receiving a device verification value from the entity by way of the first processor; and a battery that supplies power to the verification token. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36)
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37. A mobile communication device comprising:
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a housing; a first processor disposed within the housing; a first memory unit disposed within the housing; an input-output controller coupled to the first processor; a card reader configured to obtain information from a portable consumer device; a second processor disposed within the housing and communicatively coupled to the input-output controller and the card reader, the second processor being separate from the first processor and configured to process information from portable consumer devices; a battery that supplies power to the first and second processors, the first memory unit, and the card reader. - View Dependent Claims (38, 39, 40)
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41-49. -49. (canceled)
Specification