Patent ID: 9715681
Date: 2017-07-25
CPC Classifications: G06Q

Claim:
1. A method comprising: receiving, at a server, a request for a device verification value for a portable consumer device associated with a user; obtaining, by the server, from the received request, a unique identification code assigned to the user; obtaining, by the server, an account record that contains the obtained unique identification code, the account record associating a consumer account of a portable consumer device with the obtained unique identification code, the consumer account having an account number associated with the consumer account that identifies the consumer account, the obtained unique identification code being different from the account number of the consumer account of the obtained account record; obtaining, by the server, a datum indicative of a device verification value for the consumer account of the obtained account record, wherein the device verification value is valid for a predetermined amount of time or for a plurality of transactions; sending, by the server, the obtained datum indicative of the device verification value to at least one of a phone number or network address of a personal communication device associated with the consumer account of the obtained account record; receiving, by the server and from a computer, an authorization request including the device verification value, the authorization request requesting authorization for a transaction; determining, by the server, that the device verification value in the authorization request is valid; and transmitting, by the server, an authorization response to the computer indicating that the transaction is authorized after determining that the device verification value is valid.