Visa Inc.
Portable device with local verification data

Abstract:

Embodiments of the disclosure are directed to systems and methods in which verification data is written to a portable device and used to complete a transaction. The system may identify a number of trusted third-party entities computers capable of providing verification data associated with a particular user. The system may generate requests to each of the trusted third-party computers for that verification data. Upon receiving responses, the system may select an appropriate verification data from the responses received from those trusted third-party computers. The verification data is then written to a portable device, which is provided to a user with which it is associated. Once provided, the portable device may be used in a transaction conducted at a resource provider and the verification data may be caused to be displayed on a display operated by the resource provider.