VERIFICATION OF PORTABLE CONSUMER DEVICES Russian patent published in 2013 - IPC G06Q20/32 G06F21/35 

FIELD: information technology.

SUBSTANCE: method of providing a verification value for a portable consumer device includes: receiving, at a server, a verification value request for a portable consumer device associated with a user; obtaining, from the received request, a unique identification code assigned to the user; obtaining an account record containing the obtained unique identification code, wherein the account record links the consumer account of the portable consumer device with the obtained unique identification code, wherein the consumer account has an account number associated with it, which identifies the consumer account within a payment handling network, wherein the obtained unique identification code differs from the consumer account number of the obtained account record; obtaining a data entity indicating the verification value for the consumer account of the obtained account record; and sending the obtained data entity to at least one of: a telephone number or network address of a personal communication device associated with the consumer account of the obtained account record.

EFFECT: high data security.

17 cl, 6 dwg