Verification of a portable consumer device in an offline environment

• US 8,712,892 B2
• Filed: 01/24/2013
• Issued: 04/29/2014
• Est. Priority Date: 02/28/2007
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Dixon, Philip B., Hammad, Ayman, El-Awady, Khalid
• Primary Examiner(s): Shafi, Muhammad
• Assistant Examiner(s): Malhotra, Sanjeev
• Application Number:
  US13/749,511
• Publication Number:
  US 20130138565A1
• Time in Patent Office: 460 Days
• Field of Search: 705/14, 705/21, 705/22, 705/35, 705/38, 705/39, 705/44, 705/50, 705/67, 705/74, 705/75, 707/9, 709/203, 709/224, 701/117, 235/380, 235/381, 235/382, 235/383, 235/435, 235/492, 234/34, 340/10.41, 340/426.35, 340/572.7, 348/150, 379/91.02, 380/270, 194/205, 455/406
• US Class Current: 705/35
• CPC Class Codes: G06K 17/00 Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
• CPC Class Codes: G06K 19/06187 with magnetically detectable marking
• CPC Class Codes: G06K 19/067 Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
• CPC Class Codes: G06K 5/00 Methods or arrangements for verifying the correctness of markings on a record carrier; Column detection devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

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.

Claims

1. A method of providing a portable consumer device, the method comprising:

receiving, by a processor, a supplemental verification value associated with an offline processing system;

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;

wherein the received supplemental verification value comprises data created in accordance with a cryptography system; and

wherein the supplemental verification value is dynamically changed on the portable consumer device after issuance of the portable consumer device.

2. The method of claim 1, wherein the supplemental verification value is a transit verification value that is used to authenticate the portable consumer device to gain access to a transit system.

3. The method of claim 1, wherein the supplemental verification value and the issuer verification value are stored in a supplemental data field in a computer readable medium of the portable consumer device.

4. The method of claim 3, wherein the supplemental verification value is stored in track data of the portable consumer device in accordance with a magnetic stripe data (MSD) configuration.

5. The method of claim 3, wherein the supplemental verification value is stored outside of track data of the portable consumer device, wherein the track data is defined in accordance with a magnetic stripe data (MSD) configuration.

6. The method of claim 3, wherein the supplemental verification value is partially stored in track data of the portable consumer device in accordance with a magnetic stripe data (MSD) configuration and partially outside of the track data of the portable consumer device.

7. The method of claim 1, wherein the portable consumer device is a contactless portable consumer device.

8. The method of claim 1, wherein the portable consumer device is in the form of a card.

9. A portable consumer device comprising:

a base;

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; and

wherein either the issuer verification value or the supplemental verification value can be dynamically changed in the portable consumer device.

10. The portable consumer device as defined in claim 9, wherein the portable consumer device is a card.

11. The portable consumer device as defined in claim 10, wherein the supplemental verification value is a transit verification value.

12. The portable consumer device as defined in claim 11, wherein the issuer verification value is stored in primary data of the portable consumer device and the transit verification value is stored in supplemental data of the portable consumer device.

13. The portable consumer device as defined in claim 12, wherein the supplemental verification value is stored in track data of the portable consumer device in accordance with a magnetic stripe data (MSD) configuration.

14. The portable consumer device as defined in claim 12, wherein the supplemental verification value is stored outside of track data of the portable consumer device, wherein the track data is defined in accordance with a magnetic stripe data (MSD) configuration.

15. The portable consumer device as defined in claim 12, wherein the supplemental verification value is partially stored in track data of the portable consumer device in accordance with a magnetic stripe data (MSD) configuration and partially outside of the track data of the portable consumer device.

16. The portable consumer device as defined in claim 11, wherein the supplemental verification value is stored in a data track that is compatible with a payment processing system that processes data in accordance with a magnetic stripe data (MSD) configuration.

17. The portable consumer device as defined in claim 9, wherein the portable consumer device is a contactless device.

18. The portable consumer device as defined in claim 9, wherein the issuer verification value and the supplement verification value are statically stored in the portable consumer device.

19. The portable consumer device as defined in claim 9, wherein the portable consumer device comprises a wireless telephone.

20. A method comprising:

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;

sending the authorization response message to a transit computer;

wherein the reader processes the supplemental verification value by identifying an appropriate key and algorithm, calculating a value corresponding to the portable consumer device, and comparing the calculated value to the supplemental verification value received from the portable consumer device; and

wherein the supplemental verification value is dynamically changed on the portable consumer device after issuance of the portable consumer device.

21. The method of claim 20, wherein the fee calculation is performed by the transit computer, wherein the transit computer receives account information and transaction information from the reader.

22. The method of claim 20, wherein the fee calculation is determined using one of a variety of schemes including one transaction at a time, aggregation of many transactions into an aggregated amount based on time, aggregation of many transactions into an aggregated amount based on value, and a pre-paid account replenishment.

23. The method as defined in claim 20, wherein authorizing the transaction comprises permitting a user of the portable consumer device to enter a facility if the transaction is authorized.