Integration of verification tokens with mobile communication devices
First Claim
1. A mobile communication device comprising:
- a housing; and
a verification token disposed within the housing, the verification token comprisinga computer-readable medium;
a data processor electrically coupled to the verification token and the computer-readable medium;
code embodied on the computer-readable medium that directs the data processor to obtain identification information;
code embodied on the computer-readable medium that directs the data processor to transmit the identification information to an entity; and
code embodied on the computer-readable medium that directs the data processor to receive, after transmitting the identification information, a dynamic PAN from the entity; and
code embodied on the computer-readable medium that directs the data processor to locate a browser web page on the mobile communication device that has a form field for an account number and a form field for a verification value, and to enter the dynamic PAN received from the entity in the form field for the account number.
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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
21 Claims
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1. A mobile communication device comprising:
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a housing; and a verification token disposed within the housing, the verification token comprising a computer-readable medium; a data processor electrically coupled to the verification token and the computer-readable medium; code embodied on the computer-readable medium that directs the data processor to obtain identification information; code embodied on the computer-readable medium that directs the data processor to transmit the identification information to an entity; and code embodied on the computer-readable medium that directs the data processor to receive, after transmitting the identification information, a dynamic PAN from the entity; and code embodied on the computer-readable medium that directs the data processor to locate a browser web page on the mobile communication device that has a form field for an account number and a form field for a verification value, and to enter the dynamic PAN received from the entity in the form field for the account number. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method comprising:
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obtaining, by a data processor in a verification token in a mobile communication device, identification information; transmitting, by the mobile communication device, the identification information to an entity; receiving, by the mobile communication device, after transmitting said identification information, a dynamic PAN from the entity; locating, by the mobile communication device, a browser web page on the mobile communication device that has a form field for an account number and a form field for a verification value; and entering, using the mobile communication device, the dynamic PAN received from the entity in the form field for the account number. - View Dependent Claims (11, 12, 13, 14, 15)
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16. A method comprising:
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receiving, by an entity computer, identification information from a mobile communication device comprising a verification token; and transmitting, by the entity computer, a dynamic PAN to the mobile communication device, wherein the mobile communication device locates a browser web page on the mobile communication device that has a form field for an account number and a form field for a verification value and enters the dynamic PAN in the form field for the account number. - View Dependent Claims (17, 18, 19)
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20. An entity computer comprising:
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a processor; and a computer readable medium, the computer readable medium comprising code, executable by the processor for implementing a method comprising receiving identification information from a mobile communication device comprising a verification token, and transmitting a dynamic PAN to the mobile communication device, wherein the mobile communication device locates a browser web page on the mobile communication device that has a form field for an account number and a form field for a verification value and enters the dynamic PAN in the form field for the account number. - View Dependent Claims (21)
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Specification