The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Sep. 10, 2013
Filed:
Mar. 13, 2012
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);
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);
Visa International Service Association, Foster City, CA (US);
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.