Steven J Pringle

US Patent:

61050083, Aug 15, 2000

Filed:

Apr 30, 1998

Appl. No.:

9/070488

Inventors:

Virgil M. Davis - Los Altos CA
Suzanne C. Cutino - San Francisco CA
Michael J. Berg - Belmont CA
Frederick Sidney Conklin - Oakland CA
Steven John Pringle - Oakland CA

Assignee:

Visa International Service Association - Foster City CA

International Classification:

G06F 1760

US Classification:

705 41

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.

US Patent:

62825224, Aug 28, 2001

Filed:

Oct 16, 1997

Appl. No.:

8/951614

Inventors:

Virgil M. Davis - Los Altos CA
Suzanne C. Cutino - San Francisco CA
Michael J. Berg - Belmont CA
Fredrick Sidney Conklin - Oakland CA
Steven John Pringle - Oakland CA

Assignee:

Visa International Service Association - Foster City CA

International Classification:

G06F 1760

US Classification:

705 41

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.