WO2008106561A3 - Verification of a portable consumer device in an offline environment - Google Patents

Verification of a portable consumer device in an offline environment Download PDF

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Publication number
WO2008106561A3
WO2008106561A3 PCT/US2008/055196 US2008055196W WO2008106561A3 WO 2008106561 A3 WO2008106561 A3 WO 2008106561A3 US 2008055196 W US2008055196 W US 2008055196W WO 2008106561 A3 WO2008106561 A3 WO 2008106561A3
Authority
WO
WIPO (PCT)
Prior art keywords
consumer device
portable consumer
verification
verification value
offline environment
Prior art date
Application number
PCT/US2008/055196
Other languages
French (fr)
Other versions
WO2008106561A2 (en
Inventor
Philip B Dixon
Ayman Hammad
Khalid El-Awady
Original Assignee
Visa Usa Inc
Philip B Dixon
Ayman Hammad
Khalid El-Awady
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Visa Usa Inc, Philip B Dixon, Ayman Hammad, Khalid El-Awady filed Critical Visa Usa Inc
Publication of WO2008106561A2 publication Critical patent/WO2008106561A2/en
Publication of WO2008106561A3 publication Critical patent/WO2008106561A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K5/00—Methods or arrangements for verifying the correctness of markings on a record carrier; Column detection devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/06187—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with magnetically detectable marking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

A portable consumer device includes a base, and a computer readable medium on the base. The computer readable medium comprises code for an issuer verification value and a supplemental verification value. The issuer verification value is used by an issuer to verify that the portable consumer device is authentic in an on-line transaction and the supplemental verification value is used to verify that the portable consumer device is authentic in an off-line transaction.
PCT/US2008/055196 2007-02-28 2008-02-27 Verification of a portable consumer device in an offline environment WO2008106561A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US11/680,592 2007-02-28
US11/680,592 US8386349B2 (en) 2007-02-28 2007-02-28 Verification of a portable consumer device in an offline environment

Publications (2)

Publication Number Publication Date
WO2008106561A2 WO2008106561A2 (en) 2008-09-04
WO2008106561A3 true WO2008106561A3 (en) 2008-11-06

Family

ID=39714753

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2008/055196 WO2008106561A2 (en) 2007-02-28 2008-02-27 Verification of a portable consumer device in an offline environment

Country Status (2)

Country Link
US (2) US8386349B2 (en)
WO (1) WO2008106561A2 (en)

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US8386349B2 (en) 2013-02-26
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WO2008106561A2 (en) 2008-09-04

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