Patent ID: 7891560

Claim:
A verification token that obtains a device verification value for a transaction conducted using a portable consumer device, the verification token comprising: a peripheral interface adapted to couple to a peripheral interface of a computer; a reader adapted to read identification information from portable consumer devices; a computer-readable medium; a data processor electrically coupled to the peripheral interface of the verification token, the reader, and the computer-readable medium; code embodied on the computer-readable medium that directs the data processor to receive identification information read from a portable consumer device by the reader for the transaction, the identification information including an account number and a first device verification value provided by the portable consumer device; code embodied on the computer-readable medium that directs the data processor to communicate with a computer by way of the peripheral interface of the verification token and to access to a networking facility of the computer; code embodied on the computer-readable medium that directs the data processor to establish, using the networking facility of the computer, communications with an entity that can provide a second device verification value; code embodied on the computer-readable medium that directs the data processor to transmit at least the account number and the first device verification value of the received identification information to the entity by way of the networking facility of the computer; and code embodied on the computer-readable medium that directs the data processor to receive, after transmitting said identification information, the second device verification value for the transaction from the entity by way of the networking facility of the computer, wherein the second device verification value is configured to be enterable in a card-verification value field of a merchant web page.