Internet loading system using smart card

US6105008A · kind A · utility

Assignee

• Visa International Service Association · US

Inventors

• Virgil M. Davis · Los Altos, US
• Suzanne C. Cutino · Reno, US
• Michael Berg · Waiblingen, DE
• Frederick Conklin · Canton, US
• Steven John Pringle · Oakland, US

Key dates

• Filing date: Apr 30, 1998
• Grant date: Aug 15, 2000
• Expiry date: Apr 30, 2018

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

An architecture and system loads and uses a smart card for payment of goods and/or services purchased on-line over the Internet. A client module on a client terminal controls the interaction with a consumer and interfaces to a card reader which accepts the consumer's smart card and allows loading and debiting of the card. Debiting works in conjunction with a merchant server and a payment server. Loading works in conjunction with a bank server and a load server. The Internet provides the routing functionality between the client terminal and the various servers. A payment server on the Internet includes a computer and a security module (or a security card in a terminal) to handle the transaction, data store and collection. A merchant server advertises the goods and/or services offered by a merchant for sale on a web site. The merchant contracts with an acquirer to accept smart card payments for goods and/or services purchased over the Internet. A consumer uses his smart card at the client terminal in order to purchase goods and/or services from the remote merchant server. The client terminal sends a draw request to the payment server. The payment server processes, confirms and replie…