Steve R Hoffman

Title: Innovations by Steve R. Hoffman

Introduction

Steve R. Hoffman is an accomplished inventor based in Pleasanton, CA. He has made significant contributions to the field of online payment systems, holding a total of 3 patents. His work focuses on enhancing the security and efficiency of virtual transactions.

Latest Patents

One of his latest patents is the "Internet payment, authentication and loading system using virtual smart card." This innovative system allows for the loading, authentication, and use of a virtual smart card for online purchases. The online purchase and load (OPAL) server includes a virtual smart card database that maintains records for each smart card represented for a user. The server features a smart card emulator that interacts with a pseudo card reader module, imitating a physical card reader. Additionally, the system includes a client code module that communicates with both the pseudo card reader and a remote payment or load server. A pass-through client terminal provides a user interface, facilitating communication between the OPAL server, merchant server, and bank server. This system streamlines the online purchasing process while ensuring secure transactions.

Career Highlights

Steve R. Hoffman is currently employed at Visa International Service Association, where he continues to innovate in the realm of payment technologies. His expertise in virtual payment systems has positioned him as a key player in the industry.

Collaborations

Some of his notable coworkers include Virgil M. Davis and Suzanne C. Cutino, who contribute to the collaborative efforts at Visa.

Conclusion

Steve R. Hoffman is a pioneering inventor whose work in virtual payment systems has significantly impacted online transactions. His innovative solutions continue to shape the future of secure digital payments.