Integration of verification tokens with mobile communication devices
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.
1. A mobile communication device comprising:
a housing;
a first processor disposed within the housing;
a first memory unit disposed within the housing;
an input-output controller coupled to the first processor; and
a verification token disposed within the housing and communicatively coupled to the input-output controller, the verification token comprising a second processor separate from the first processor, and a second memory unit that is separate from the first memory unit and stores an encryption key that is used by the second processor for encrypting or signing data sent from the verification token to a validation entity that validates the encrypted or signed data and then provides a dynamic account number to the verification token, and wherein the verification token stores the dynamic account number from the validation entity.
2. The mobile communication device of claim 1 , wherein the encryption key is a symmetric encryption key.
3. The mobile communication device of claim 1 wherein the mobile communication device is a mobile phone.
4. The mobile communication device of claim 1 wherein the verification token is protected from attacks from hackers.
5. The mobile communication device of claim 1 wherein the second memory unit is a security module.
6. The mobile communication device of claim 1 wherein the verification token stores a uniform resource identifier for the validation entity.
7. The mobile communication device of claim 1 wherein the validation entity provides a device verification value to the verification token.
8. The mobile communication device of claim 7 wherein the verification token stores the device verification value.
9. A method comprising:
receiving identification information at a verification token in a mobile communication device, the mobile communication device comprising (a) a housing, (b) a first processor disposed within the housing, (c) a first memory unit disposed within the housing, (d) an input-output controller coupled to the first processor, and (e) the verification token communicatively coupled to the input-output controller, the verification token comprising a second processor separate from the first processor, a second memory unit separate from the first memory unit and storing an encryption key:
encrypting or signing, the identification information using the second processor and the encryption key;
transmitting, the encrypted identification information to a validation entity, wherein the validation entity validating the encrypted or signed identification information, and then transmits a dynamic account number to the verification token in response to the validating; and
receiving, the dynamic account number at the verification token.
10. The method of claim 9 , wherein the encryption key is a symmetric key.
11. The method of claim 9 wherein the encryption key is a first encryption key, and the validation entity holds a second encryption key, the first encryption key and the second encryption key being a symmetric key pair.
12. The method of claim 9 wherein the second memory unit is a security module.
13. The method of claim 9 wherein the verification token stores a uniform resource identifier for the validation entity.
14. The method of claim 9 further comprising:
receiving, by the mobile communication device, a device verification value from the validation entity.
15. The method of claim 14 further comprising:
storing, by the mobile communication device, the device verification value received from the validation entity.