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;
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 wherein the verification token stores dynamic account information from a validation entity; and
a display coupled to the first processor and a button displayed on the display for activating the verification token.
2. The mobile communication device of claim 1 , wherein the verification token is configured to receive an identifier from a portable consumer device, store the identifier, request the dynamic account information from the validation entity using the identifier, and automatically erase the identifier.
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 is configured to store 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. The mobile communication device of claim 7 , wherein the button is configured to cause the first processor to send an activation signal to the verification token.
10. The mobile communication device of claim 1 , wherein the verification token is configured to automatically power off after being activated.
11. A method comprising:
receiving dynamic account information at a verification token in a mobile communication device from an entity, 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, (e) a display 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:
displaying on the display of the mobile communication device, the display coupled to the first processor, a button;
receiving, at the mobile communication device a selection of the button; and
activating the verification token.
12. The method of claim 11 , wherein the second memory unit is a security module.
13. The method of claim 11 , further comprising:
storing, by the verification token, a uniform resource identifier for a validation entity.
14. The method of claim 11 further comprising:
receiving, by the mobile communication device, a device verification value from a 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.
16. The method of claim 11 , further comprising:
receiving an identifier from a portable consumer device;
storing the identifier; and
requesting the dynamic account information from a validation entity using the identifier, and automatically erase the identifier.
17. The method of claim 11 , wherein activating comprises:
causing the first processor to send an activation signal to the verification token.
18. The method of claim 11 , further comprising:
automatically powering off the verification token after being activated.
19. The method of claim 11 , wherein the mobile communication device is a mobile phone.
20. The method of claim 11 , wherein the verification token includes a USB connector.