Internet payment, authentication and loading system using virtual smart card

US7908216B1 · kind B1 · utility

Assignee

• Visa International Service Association · US

Inventors

• Virgil M. Davis · Los Altos, US
• Suzanne C. Cutino · Reno, US
• Margaret Reid · San Mateo, US
• Steve Hoffman · Chicago, US

Key dates

• Filing date: Jul 22, 1999
• Grant date: Mar 15, 2011
• Expiry date: Sep 25, 2020

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0225
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A system loads, authenticates and uses a virtual smart card for payment of goods and/or services purchased on-line over the Internet. An online purchase and load (OPAL) server includes a virtual smart card data base that has a record of information for each smart card that it represents for a user at the behest of an issuer. The server includes a smart card emulator that emulates a smart card by using the card data base and a hardware security module. The emulator interacts with a pseudo card reader module in the server that imitates a physical card reader. The server also includes a client code module that interacts with the pseudo card reader and a remote payment or load server. A pass-through client terminal presents a user interface and passes information between the OPAL server and a merchant server, and between the OPAL server and a bank server. The Internet provides the routing functionality between the client terminal and the various servers. A merchant advertises goods on a web site. A user uses the client terminal to purchase goods and/or services from the remote merchant server. The payment server processes, confirms and replies to the merchant server. The payment server…