Visa International Service Association

Michael J Berg

Suzanne C Cutino

Virgil M Davis

Steven John Pringle

Fredrick Sidney Conklin

Frederick Sidney Conklin

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. The security card delivers the expected smart card signature to the payment server and/or on to the client terminal or merchant server to reduce message traffic between the entities on the network. The comparison of the smart card signature to an expected value can occur at any location. Encryption is used for security.

Internet payment system using smart card

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 replies to the merchant server (optionally by way of the client terminal). To load value, the client terminal requests a load from a user account at the bank server. A load request is sent from the card to the load server which processes, confirms and replies to the bank server (optionally by way of the client terminal). The bank transfers loaded funds to the card issuer for later settlement for a merchant from whom the user purchases goods with value on the card.

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Belmont, CA, United States of America

Michael J Berg