Secure Communication of payment information to merchants using a verification token

摘要

Disclosed are apparatuses, systems, and methods pertaining to the secure communication of payment information from portable consumer devices, such as credit cards, to online merchants using verification tokens.

主权项

1. A method comprising:
establishing a communication link between a verification token and a computer, the computer having a networking facility, an Internet browser, and a display having a merchant web page of a merchant displayed thereon by the Internet browser; reading identification information from a portable consumer device into the verification token; obtaining a merchant identifier that identifies the merchant of the web page; and transmitting, using the networking facility of the computer, at least a portion of the read identification information and the obtained merchant identifier from the verification token to a validation entity, wherein the validation entity thereafter provides at least a portion of the read identification information to the merchant webpage via a communication channel between the merchant webpage and the validation entity.