Secure communication of payment information to merchants using a verification token
First Claim
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1. A validation entity computer comprising a first data processor and a computer program product embodied on a tangible computer-readable medium coupled to the first data processor to implement a method comprising:
- directing the first data processor to receive identification information of a portable consumer device read and sent by a verification token over a communications network with a second data processor in a user computer, the second data processor disposed between the verification token and the communications network, the verification token being coupled to the second data processor in the user computer by way of a peripheral interface of the user computerdirecting the first data processor to apply at least one validation test on a piece of information sent by the verification token, the validation test producing a result of pass or fail; and
directing the first data processor to send, if the result of the at least one validation test is pass, data representative of at least a portion of the received identification information to a merchant computer.
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Abstract
Disclosed are apparatuses, systems, and methods pertaining to the secure communication of payment information from portable consumer devices, such as credit cards, to online merchants using verification tokens.
624 Citations
19 Claims
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1. A validation entity computer comprising a first data processor and a computer program product embodied on a tangible computer-readable medium coupled to the first data processor to implement a method comprising:
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directing the first data processor to receive identification information of a portable consumer device read and sent by a verification token over a communications network with a second data processor in a user computer, the second data processor disposed between the verification token and the communications network, the verification token being coupled to the second data processor in the user computer by way of a peripheral interface of the user computer directing the first data processor to apply at least one validation test on a piece of information sent by the verification token, the validation test producing a result of pass or fail; and directing the first data processor to send, if the result of the at least one validation test is pass, data representative of at least a portion of the received identification information to a merchant computer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method of communicating payment information to a merchant, the method comprising:
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receiving, at a server, identification information of a portable consumer device read and sent by a verification token over a communications network with a data processor in a user computer disposed between the verification token and a communications network, the verification token being coupled to the data processor in the user computer by way of a peripheral interface of the computer; selecting, by the server, a merchant to send data representative of at least a portion of the received identification information to; and sending, from the server, data representative of at least a portion of the received identification information to a merchant computer of the selected merchant. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18, 19)
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Specification