Internet payment system using smart card

US6282522A · 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
• Fredrick Conklin · Oakland, US
• Steven John Pringle · Oakland, US

Key dates

• Filing date: Oct 16, 1997
• Grant date: Aug 28, 2001
• Expiry date: Oct 16, 2017

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/40
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

An architecture and system uses a smart card for payment of goods and/or services purchased on-line over the Internet. A client server on a client terminal controls the interaction with a consumer and interfaces to a card reader which accepts the consumer's smart card. A payment server on the Internet includes a computer and terminals that contain security cards to handle the transaction, data store and collection. Also connected over the Internet is a merchant server advertising 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 Internet provides the routing functionality between the client terminal, merchant server and payment server. The client terminal emulates a security card in interacting with the smart card, and the responses received are grouped together and sent as a draw request message to the payment server. The payment server then emulates the smart card in an interaction with the security card…