VERIFICATION OF A PORTABLE CONSUMER DEVICE IN AN OFFLINE ENVIRONMENT
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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
45 Claims
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1-16. -16. (canceled)
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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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38-39. -39. (canceled)
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40. A method comprising:
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receiving, by a server computer, an authorization request message comprising a fee calculation, wherein the authorization request message is associated with a transaction, wherein the transaction is initiated using 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, wherein the supplement verification value is received by the reader, wherein the supplemental verification value is verified by an offline processing system that is not in communication with the issuer, wherein the supplemental verification value is processed at the reader, and wherein the transaction is authorized by the reader if the processed supplemental verification value indicates that the portable consumer device is authenticated; sending the authorization request message to the issuer, wherein the issuer verifies transaction data is valid; receiving an authorization response message from the issuer; and sending the authorization response message to a transit computer. - View Dependent Claims (41, 42, 43, 44, 45)
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Specification