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 method comprising:
receiving, by a validation entity computer, encrypted or signed identification information from a mobile communication device comprising (i) a housing, (ii) a first processor disposed within the housing, (iii) a first memory unit disposed within the housing, (iv) an input-output controller coupled to the first processor, (iv) a verification token disposed within the housing and communicatively coupled to the input-output controller, (v) a second processor separate from the first processor, and (vi) a second memory unit that is separate from the first memory unit and stores an encryption key, wherein the encrypted or signed identification information from the mobile communication device was encrypted or signed by the second processor using the encryption key;
validating, by the validation entity computer, the encrypted or signed identification information; and
after the validation entity computer validates the encrypted or signed identification, then transmitting a dynamic account number or verification value to the mobile communication device.
2. The method of claim 1 , wherein the encryption key is a symmetric encryption key.
3. The method of claim 1 , wherein the mobile communication device is a mobile phone.
4. The method of claim 1 , wherein the verification token is protected from attacks from hackers.
5. The method of claim 1 , wherein the second memory unit is a security module.
6. The method of claim 1 , wherein the verification token stores a uniform resource identifier for the validation entity computer.
7. The method of claim 1 , wherein the encryption key is a first encryption key, and validating comprises:
decrypting, by the validation entity computer, the encrypted identification information using a second key that corresponds to the first encryption key; and
applying a validation test to the decrypted information.
8. The method of claim 1 , wherein the validation entity computer transmits the dynamic account number to the mobile communication device, wherein the dynamic account number is used by the mobile communication device to conduct a transaction.
9. The method of claim 1 , wherein the validation entity computer communicates with an issuer to obtain the dynamic account number, and wherein the validation entity computer transmits the dynamic account number to the mobile communication device.
10. The method of claim 1 , wherein validating the encrypted or signed identification information is one of a plurality of validation tests that are performed by the validation entity computer before transmitting the dynamic account number or the verification value to the mobile communication device.
11. A validation entity computer comprising:
a processor; and
a computer readable medium, the computer readable medium comprising code, executable by the processor, to implement a method comprising:
receiving encrypted or signed identification information from a mobile communication device comprising (i) a housing, (ii) a first processor disposed within the housing, (iii) a first memory unit disposed within the housing, (iv) an input-output controller coupled to the first processor, (iv) a verification token disposed within the housing and communicatively coupled to the input-output controller, (v) a second processor separate from the first processor, and (vi) a second memory unit that is separate from the first memory unit and stores an encryption key, wherein the encrypted or signed identification information from the mobile communication device was encrypted or signed by the second processor using the encryption key;
validating the encrypted or signed identification information; and
after validating, transmitting a dynamic account number or verification value to the mobile communication device.
12. The validation entity computer of claim 11 , wherein the encryption key is a symmetric encryption key.
13. The validation entity computer of claim 11 , wherein the mobile communication device is a mobile phone.
14. The validation entity computer of claim 11 , wherein the verification token is protected from attacks from hackers.
15. The validation entity computer of claim 11 , wherein the second memory unit is a security module.
16. The validation entity computer of claim 11 , wherein the verification token stores a uniform resource identifier for the validation entity computer.
17. The validation entity computer of claim 11 , wherein the encryption key is a first encryption key, and validating comprises:
decrypting, by the validation entity computer, the encrypted identification information using a second key that corresponds to the first encryption key; and
applying a validation test to the decrypted information.
18. The validation entity computer of claim 11 , wherein the validation entity computer is configured to transmit the dynamic account number to the mobile communication device, wherein the dynamic account number is used by the mobile communication device to conduct a transaction.
19. The validation entity computer of claim 11 , wherein the validation entity computer is configured to communicate with an issuer to obtain the dynamic account number, and wherein the validation entity computer is configured to transmit the dynamic account number to the mobile communication device.
20. The validation entity computer of claim 11 , wherein validating the encrypted or signed identification information is one of a plurality of validation tests that are performed by the validation entity computer before transmitting the dynamic account number or the verification value to the mobile communication device.