09317848 is referenced by 11 patents and cites 619 patents.

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.

Integration of verification tokens with mobile communication devices
Application Number
Publication Number
9317848 (B2)
Application Date
August 9, 2013
Publication Date
April 19, 2016
Ayman Hammad
Kilpatrick Townsend & Stockton
Visa International Service Association
H04L 29/06
H04L 9/32
G06Q 20/42
G06Q 20/40
G06Q 20/38
G06Q 20/12
G06F 21/34
G06Q 20/34
G06F 17/00
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