Verification of portable consumer device for secure services

US9105027B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Ayman Hammad · Pleasanton, US
• Patrick Faith · Pleasanton, US
• Krishna Prasad Koganti · Cupertino, US
• Ben Rewis · Oakland, US
• Brendan Xavier Louis · Tracy, US
• Kevin Weller · San Anselmo, US
• Benedicto H. Dominguez · San Bruno, US

Key dates

• Filing date: May 13, 2011
• Grant date: Aug 11, 2015
• Expiry date: May 13, 2031

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04L2209/56
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is 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 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.