Margaret A Reid

US Patent:

7908216, Mar 15, 2011

Filed:

Jul 22, 1999

Appl. No.:

09/359083

Inventors:

Virgil M. Davis - Los Altos CA, US
Suzanne C. Cutino - San Francisco CA, US
Margaret Reid - San Francisco CA, US
Steve R. Hoffman - Pleasanton CA, US

Assignee:

Visa International Service Association - Foster City CA

International Classification:

G06Q 40/00

US Classification:

705 41

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.

US Patent:

8175973, May 8, 2012

Filed:

Feb 7, 2011

Appl. No.:

13/022431

Inventors:

Virgil M. Davis - Los Altos CA, US
Suzanne C. Cutino - San Francisco CA, US
Margaret Reid - San Francisco CA, US
Steve R. Hoffman - Pleasanton CA, US

Assignee:

Visa International Service Association - Foster City CA

International Classification:

G06Q 40/00

US Classification:

705 41

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.

US Patent:

8533116, Sep 10, 2013

Filed:

Mar 13, 2012

Appl. No.:

13/418942

Inventors:

Virgil M. Davis - Los Altos CA, US
Suzanne C. Cutino - San Francisco CA, US
Margaret Reid - San Francisco CA, US
Steve R. Hoffman - Pleasanton CA, US

Assignee:

Visa International Service Association - Foster City CA

International Classification:

G06Q 40/00

US Classification:

705 41, 705 40

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.