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Secure communication of payment information to merchants using a verification token

  • US 9,582,801 B2
  • Filed: 10/09/2014
  • Issued: 02/28/2017
  • Est. Priority Date: 05/15/2009
  • Status: Active Grant
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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