发明名称 |
Internet payment, authentication and loading system using virtual smart card |
摘要 |
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.
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申请公布号 |
US8533116(B2) |
申请公布日期 |
2013.09.10 |
申请号 |
US201213418942 |
申请日期 |
2012.03.13 |
申请人 |
DAVIS VIRGIL M.;CUTINO SUZANNE C.;REID MARGARET;HOFFMAN STEVE R.;VISA INTERNATIONAL SERVICE ASSOCIATION |
发明人 |
DAVIS VIRGIL M.;CUTINO SUZANNE C.;REID MARGARET;HOFFMAN STEVE R. |
分类号 |
G06Q40/00;G06Q20/00 |
主分类号 |
G06Q40/00 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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