CA2287960A1 - Internet payment and loading system using smart card - Google Patents

Internet payment and loading system using smart card Download PDF

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Publication number
CA2287960A1
CA2287960A1 CA002287960A CA2287960A CA2287960A1 CA 2287960 A1 CA2287960 A1 CA 2287960A1 CA 002287960 A CA002287960 A CA 002287960A CA 2287960 A CA2287960 A CA 2287960A CA 2287960 A1 CA2287960 A1 CA 2287960A1
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Canada
Prior art keywords
server
stored
card
client terminal
network
Prior art date
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Granted
Application number
CA002287960A
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French (fr)
Other versions
CA2287960C (en
Inventor
Virgil M. Davis
Suzanne C. Cutino
Michael J. Berg
Fredrick Sidney Conklin
Steven John Pringle
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Visa International Service Association
Original Assignee
Visa International Service Association
Virgil M. Davis
Suzanne C. Cutino
Michael J. Berg
Fredrick Sidney Conklin
Steven John Pringle
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Publication date
Application filed by Visa International Service Association, Virgil M. Davis, Suzanne C. Cutino, Michael J. Berg, Fredrick Sidney Conklin, Steven John Pringle filed Critical Visa International Service Association
Priority to CA2686483A priority Critical patent/CA2686483C/en
Publication of CA2287960A1 publication Critical patent/CA2287960A1/en
Application granted granted Critical
Publication of CA2287960C publication Critical patent/CA2287960C/en
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

An architecture and system loads and uses a smart card (5) for payment of goods and/or services purchased on-line over the Internet (202). A client module on a client terminal (204) controls the interaction with a consumer and interfaces to a card reader (210) which accepts the consumer's smart card (5) and allows loading and debiting of the card. Debiting works in conjunction with a merchant server (208) and a payment server (206). Loading works in conjunction with a bank server (860) and a load server (862). The Internet provides the routing functionality between the client terminal and the various servers. A payment server (206) on the Internet includes a computer and a security module (or a security card (218) in a terminal (214)) to handle the transaction, data store and collection. A merchant server (208) 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 (5) at the client terminal (204) in oder to purchase goods and/or services from the remote merchant server (208). 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 (204) requests a load from a user account at the bank server (860). A load request is sent from the card (5) to the load server (862) 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 (108) for later settlement for a merchant from whom the user purchases goods with value on the card.

Claims (60)

1. A network payment system for transacting a sale of merchandise over a network using a stored-value card, said network payment system comprising:
a router for routing communication between entities attached to said network;
a merchant server in communication with said network, said merchant server having at least a first item of merchandise for sale;
a client terminal in communication with said network, said client terminal including a card reader for communicating with said stored-value card, an output device for reviewing said first item for sale, and an input device for initiating a purchase transaction to purchase said first item for sale; and a payment server in communication with said network, said payment server including an interface for communicating with a security card and being arranged to receive a purchase message including an indication of said purchase transaction and to transmit a confirmation message to said merchant server over said network, whereby said merchant server is authorized to release said item of merchandise to a user associated with said stored-value card.
2. A network payment system as recited in claim 1 wherein said network is an internet and said merchant server includes a merchant web site for advertising said first item for sale over said internet.
3. A network payment system as recited in any of claims 1 or 2 wherein each of said client terminal, said merchant server and said payment server are at a separate location and communicate over said network.
4. A network payment system as recited in any of claims 1-3 wherein said stored-value card and said security card are both also suitable for use in an integrated service payment terminal, and said network payment system further comprises:
a clearing and administration system for reconciling a plurality of transactions over said network.
5. A network payment system as recited in any of claims 1-4 wherein said client terminal further includes a command emulator for emulating security card commands that are sent to said stored-value card and for grouping responses to said security card commands into a draw request message to be sent to said payment server, and said payment server includes a response emulator for emulating responses from said stored-value card that are sent to said security card.
6. A network payment system as recited in any of claims 1-5 wherein said payment server includes a comparator for comparing a stored-valued card signature received from said stored-value card with an expected signature received from said security card to confirm a transaction, whereby the message traffic between said payment server and said security card is reduced.
7. A network payment system as recited in any of claims 1-5 wherein said client terminal includes a comparator for comparing a stored-valued card signature received from said stored-value card with an expected signature from said security card received via said payment server to confirm a transaction, whereby message traffic between said payment server and said client terminal, and between said payment server and said security card is reduced.
8. A network payment system as recited in any of claims 1-5 wherein said merchant server includes a comparator for comparing a stored-valued card signature received from said stored-value card with an expected signature from said security card received via said payment server, whereby a transaction is confirmed and whereby message traffic from said payment server, and between said payment server and said security card is reduced.
9. A computer-implemented method of selling merchandise over a network using a merchant server, said merchandise for purchase by a user with a stored-value card, said method comprising:
establishing communication between said merchant server and a client over said network;
receiving a request from said client to purchase an item available from said merchant server;
transmitting to said client a purchase amount of said item so that said client may debit a stored-value card associated with said client by said amount;
transmitting said amount, a transaction identifier and a merchant identifier to a payment server connected to said network, said transaction identifier uniquely identifying the purchase of said item and said merchant identifier uniquely identifying said merchant server to said payment server; and a confirmation step for performing the function of confirming said purchase of said item to said merchant server, whereby said merchant server is informed that said sale of said item is a success and said merchant server may release said item to said user associated with said stored-value card.
10. A method as recited in claim 9 wherein said network is an internet, wherein said merchant server includes a merchant web site for advertising said merchandise over said internet, wherein said client and said merchant server are at separate locations and said recited steps of said method occur over said Internet.
11. A method as recited in any of claims 9 or 10 further comprising:
transmitting a key to said client for encrypting a draw request message to be sent to said payment server from said client terminal;
providing said key to decrypt said encrypted draw request message to said payment server without sending said key in the clear to said payment server; and receiving an encrypted transaction confirmation message from said payment server that is encrypted by a key shared between said merchant server and said payment server.
12. A method as recited in any of claims 9-11 wherein said step of transmitting said purchase amount and said confirming step are routed through said client to provide communication between said merchant server and said payment server, whereby the number of communication links is reduced.
13. A computer-implemented method of transacting a sale of merchandise over a network using a client terminal in association with a stored-value card, said method comprising:
transmitting over said network a request from said client terminal to purchase an item available from said merchant server;
receiving from said merchant server an amount of a cost of said item;
sending a draw request message to a payment server connected to said network so that said draw request may be processed by a security card associated with said payment server;
receiving a debit command from said payment server;
debiting said stored-value card associated with said client terminal by said amount;
and sending confirmation information to said merchant server, whereby said merchant server is informed that said sale of said item is a success and said merchant server may release said item to a user associated with said stored-value card.
14. A method as recited in claim 13 wherein said network is an internet, wherein said merchant server includes a merchant web site for advertising said merchandise over said internet, wherein said client terminal and said merchant server are at separate locations and said recited steps of said method occur over said internet.
15. A method as recited in any of claims 13 or 14 further comprising:
emulating security card commands that are sent to said stored-value card associated with said client terminal; and grouping responses to said security card commands into said draw request message so that said responses may be sent as a group to said payment server to reduce network traffic between said payment server and said client terminal.
16. A method as recited in any of claims 13-15 wherein said confirmation information includes an encrypted confirmation message unreadable by said client terminal, said method further comprising:
receiving said encrypted confirmation message from said payment server.
17. A method as recited in any of claims 13-15 wherein said confirmation information includes a confirmation message, said method further comprising:
receiving an expected stored-value card signature from said security card via said payment server;
receiving an actual stored-value card signature from said stored-value card;
comparing said actual stored-valued card signature received from said stored-value card with said expected stored-value card signature from said security card;
and generating said confirmation message for transmission to said merchant server, whereby message traffic between said payment server and said client terminal, and between said payment server and said security card is reduced.
18. A method as recited in any of claims 13-15 further comprising:
receiving an encrypted stored-value card signature from said security card via said payment server that is unreadable by said client terminal;

receiving a raw stored-value card signature from said stored-value card; and transmitting to said merchant server as said confirmation information said encrypted stored-value card signature and said raw stored-value card signature for comparison by said merchant server, whereby message traffic between said payment server and said client terminal, and between said payment server and said security card is reduced.
19. A method as recited in any of claims 13-18 further comprising:
receiving a security card signature for validating said security card to said stored-value card, said security card signature being received in the same message from said payment server as said debit command; and receiving an expected stored-value card signature for comparison to an actual stored-value card signature, said expected stored-value card signature being received in the same message from said payment server as said debit command, whereby message traffic between said payment server and said client terminal, and between said payment server and said security card is reduced.
20. A computer-implemented method of managing a transaction between a client terminal and a merchant server connected over a network, said transaction being managed by a payment server also connected to said network, said method comprising:
receiving a draw request over said network, said draw request including an amount indicative of a cost of an item available from said merchant server, a transaction identifier uniquely identifying the purchase of said item, and a merchant identifier uniquely identifying said merchant server to said payment server;
sending said draw request to a security card associated with said payment server so that said draw request may be processed by said security card;
receiving a debit command from said security card;
sending said debit command from said payment server destined to said client terminal over said network so that a stored-value card associated with said client terminal may be debited by said amount; and a confirmation step for performing the function of confirming said purchase of said item to said merchant server, whereby said merchant server is informed that said purchase of said item is a success and said merchant server may release said item to a user associated with said stored-value card.
21. A method as recited in claim 20 wherein said network is an Internet, wherein said merchant server includes a merchant web site for advertising said item over said Internet, wherein said client terminal and said merchant server are at separate locations and said recited steps of said method occur over said internet.
22. A method as recited in any of claims 20 or 21 wherein said stored-value card and said security card are both also suitable for use in an integrated service payment terminal, said method further comprising:
sending transaction information regarding said sale of said item to a clearing and administration system for reconciling said sale.
23. A method as recited in any of claims 20-22 further comprising:
receiving as part of said draw request responses from said stored-value card to security card commands that have been emulated by said client terminal; and emulating said stored-value card responses in an interaction with said security card to receive responses from said security card, whereby network traffic between said payment server and said client terminal is reduced.
24. A method as recited in any of claims 20-23 wherein said confirmation step includes the sub-steps of:
receiving a signature from said stored-value card associated with said client terminal;
sending said signature to said security card;
receiving a transaction OK message from said security card; and sending a confirmation message destined for said merchant server.
25. A method as recited in any of claims 20-23 wherein said confirmation step includes the sub-steps of:
receiving a signature from said stored-value card associated with said client terminal;
comparing said received signature with an expected signature received from said security card; and sending a confirmation message destined for said merchant server, whereby message traffic between said security card and said payment server is reduced.
26. A method as recited in any of claims 20-23 wherein said confirmation step includes the sub-steps of:
receiving an expected signature of said stored-value card from said security card;
and sending said expected signature to said client terminal so that said client terminal may compare said expected signature to an actual signature of said stored-value card, whereby message traffic between said security card and said payment server, and between said client terminal and said payment server is reduced.
27. A method as recited in any of claims 20-23 wherein said confirmation step includes the sub-steps of:
receiving an expected signature of said stored-value card from said security card;
encrypting said expected signature so as to be unreadable by said client terminal;
and sending said encrypted expected signature to said client terminal for resending to said merchant server so that said merchant server may compare said expected signature to an actual signature of said stored-value card, whereby message traffic between said security card and said payment server, and between said client terminal and said payment server is reduced.
28. A method as recited in any of claims 20-27 further comprising:
sending a security card signature for validating said security card, said security card signature being sent in the same message destined to said client terminal as said debit command; and sending an expected stored-value card signature for comparison to an actual stored-value card signature, said expected stored-value card signature being sent in the same message destined to said client terminal as said debit command, whereby message traffic between said payment server and said client terminal, and between said payment server and said security card is reduced.
29. A computer-implemented method of interacting with a stored-value card by a client terminal to facilitate the sale of an item of merchandise over a network, said method comprising:
receiving a purchase amount for said item of merchandise from a merchant server connected to said network;
emulating a plurality of security card commands that are sent to said stored-value card associated with said client terminal;
receiving a plurality of responses to said security card commands from said stored-value card;
grouping said responses to said security card commands from said stored-value card together with said purchase amount to form a draw request message; and sending said draw request message to a payment server over said network so that said draw request may be processed by a security card associated with said payment server to facilitate said sale of merchandise over said network, whereby network traffic between said payment server and said client terminal is reduced.
30. A method as recited in claim 29 wherein said network is an internet, wherein said merchant server includes a merchant web site for advertising said merchandise over said Internet, wherein said client terminal and said merchant server are at separate locations and said recited steps of said method occur over said Internet.
31. A method as recited in any of claims 29 or 30 further comprising:
receiving a debit command from said payment server destined for said stored-value card, said debit command being generated by said security card;
receiving a security card signature for validating said security card to said stored-value card, said security card signature being received in the same message from said payment server as said debit command; and receiving an expected stored-value card signature for comparison to an actual stored-value card signature, said expected stored-value card signature being received in the same message from said payment server as said debit command, whereby message traffic between said payment server and said client terminal, and between said payment server and said security card is reduced.
32. A computer-implemented method of interacting with a security card to facilitate the sale of merchandise over a network, said method comprising:
receiving a draw request message from a client terminal over said network, said draw request message including a plurality of responses from a stored-value card generated in response to emulation of security card commands, and also including a purchase amount for said merchandise, whereby network traffic between said payment server and said client terminal is reduced;
emulating said stored-value card responses in an interaction with said security card associated with said payment server;
receiving a plurality of security card responses from said security card in response to said emulation; and sending a debit command destined to said client terminal over said network so that said debit command may be processed by said stored-value card associated with said client terminal to facilitate said sale of merchandise.
33. A method as recited in claim 32 wherein said network is an internet to which is connected a merchant server having a merchant web site for advertising said merchandise over said internet, wherein said client terminal and said merchant server are at separate locations and said recited steps of said method occur over said internet.
34. A method as recited in any of claims 32 or 33 further comprising:
a confirmation step for performing the function of confirming said sale of merchandise to said merchant server, whereby said merchant server is informed that said sale of said item is a success and said merchant server may release said merchandise to a user associated with said stored-value card.
35. A method as recited in any of claims 32-34 further comprising:
sending a security card signature for validating said security card, said security card signature being sent in the same message destined to said client terminal as said debit command; and sending an expected stored-value card signature for comparison to an actual stored-value card signature, said expected stored-value card signature being sent in the same message destined to said client terminal as said debit command, whereby message traffic between said payment server and said client terminal, and between said payment server and said security card is reduced.
36. A loading system for loading value over a network onto a stored-value card, said loading system comprising:
a router for routing communication between entities attached to said network;
a bank server in communication with said network, said bank server arranged to debit a user account by an indicated value;
a client terminal in communication with said network, said client terminal including a card reader for communicating with a stored-value card and an input device for indicating a value to debited from said user account; and a load server in communication with said network, said load server including an interface for communicating with a security module and being arranged to receive a load request including a stored-value card signature and being further arranged to transmit a confirmation message to said bank server over said network, thereby assuring that said stored-value card has been loaded by said indicated value.
37. A loading system as recited in claim 36 wherein said network is an internet and said bank server includes a bank web site for accepting a load request.
38. A loading system as recited in any of claims 36 or 37 wherein said client terminal and said bank server are at separate locations and communicate over said internet.
39. A loading system as recited in any of claims 36-38 further comprising:
a clearing and administration system for reconciling said debit of said user account with a purchase using said stored-value card.
40. A loading system as recited in any of claims 36-39 wherein said client terminal further includes a command emulator for emulating security module commands that are sent to said stored-value card and for grouping responses to said security module commands into a load request message to be sent to said load server, and wherein said load server includes a response emulator for emulating responses from said stored-value card that are sent to said security module.
41. A loading system as recited in any of claims 36-40 wherein said security module includes a comparator for comparing a stored-valued card signature received from said stored-value card with an expected signature to confirm a transaction.
42. A computer-implemented method of loading a stored-value card over a network comprising:

establishing communication between a bank server and a client over a network;
receiving a request from said client to load value onto a stored-value card;
transmitting to said client a verified load value so that said client may load a stored-value card associated with said client by said load value;
transmitting to said client an address of a load server so that said client may send a load request to said load server; and a confirmation step for performing the function of confirming the loading of said stored-value card, whereby said bank server is assured that the loading is a success.
43. A method as recited in claim 42 wherein said network is an internet over which said recited steps of said method occur, wherein said bank server includes a bank web site for accepting a load request, and wherein said client and said bank server are at separate locations.
44. A method as recited in any of claims 42 or 43 wherein said confirmation step includes receiving a confirmation message that originates from one of said load server and a security module associated with said load server.
45. A method as recited in any of claims 42-44 further comprising:
transmitting a first key to said client for encrypting a load request to be sent to said load server;
providing said first key to decrypt said encrypted load request to said load server without sending said first key in the clear to said load server; and receiving an encrypted confirmation message from said load server that is encrypted by a second key shared between said bank server and said load server.
46. A method as recited in any of claims 42-45 further comprising:
debiting a user account by said load value; and sending transaction information including said load value to a stored-value card issuer for later settlement.
47. A computer-implemented method of loading a stored-value card over a network comprising:

transmitting over a network from a client terminal to a bank server a request to load a stored-value card;
receiving from said bank server a verified load value;
sending a load request to a load server connected to said network;
receiving a load command from said load server;
loading said stored-value card by said load value; and sending confirmation information to said bank server, whereby said bank server is assured that said loading is a success.
48. A method as recited in claim 47 wherein said network is an internet over which said recited steps of said method occur, wherein said bank server includes a bank web site for accepting a load request, and wherein said client terminal and said bank server are at separate locations.
49. A method as recited in any of claims 47 or 48 further comprising:
emulating security module commands that are sent to said stored-value card associated with said client terminal; and grouping responses to said security module commands into said load request so that said responses may be sent as a group to said load server to reduce network traffic between said load server and said client terminal.
50. A method as recited in any of claims 47-49 wherein said confirmation information includes an encrypted confirmation message unreadable by said client terminal, said method further comprising:
receiving said encrypted confirmation message from said load server.
51. A computer-implemented method of managing a stored-value card load transaction between a client terminal and a bank server connected over a network, said method comprising:
receiving by a load server over said network a load request, said load request including a stored-value card signature;

sending said stored-value card signature to a security module associated with said load server so that said stored-value card signature may be validated by said security module;
receiving a load command from said security module;
sending said load command from said load server destined to said client terminal so that a stored-value card associated with said client terminal may be loaded by a load value;
and a confirmation step for performing the function of confirming the loading of said stored-value card, whereby a bank server is informed that the loading is a success.
52. A method as recited in claim 51 wherein said network is an internet over which said recited steps of said method occur, wherein said bank server includes a bank web site for accepting a load request, and wherein said client terminal and said bank server are at separate locations.
53. A method as recited in any of claims 51 or 52 further comprising:
receiving as part of said load request responses from said stored-value card to security module commands that have been emulated by said client terminal; and emulating said stored-value card responses in an interaction with said security module to receive responses from said security module, whereby network traffic between said load server and said client terminal is reduced.
54. A method as recited in any of claims 51-53 wherein said confirmation step includes the sub-steps of:
comparing said received stored-value card signature with an expected signature; and sending a confirmation message destined for said bank server, whereby said bank server is assured that said stored-value card has been loaded.
55. A computer-implemented method of interacting with a stored-value card by a client terminal to facilitate the loading of said stored-value card over a network, said method comprising:
receiving a load value from a bank server connected to said network;
emulating a plurality of security module commands that are sent to said stored-value card associated with said client terminal;
56 receiving a plurality of responses to said security module commands from said stored-value card;
grouping said responses to said security module commands from said stored-value card to form a load request; and sending said load request to a load server over said network so that said load request may be processed by a security module associated with said load server to facilitate the loading of said stored-value card over said network, whereby network traffic between said load server and said client terminal is reduced.
56. A method as recited in claim 23 wherein said network is an internet over which said recited steps of said method occur, wherein said bank server includes a bank web site for accepting a load request, and wherein said client terminal and said bank server are at separate locations.
57. A method as recited in any of claims 55 or 56 further comprising:
receiving an encrypted confirmation message from said load server that is unreadable by said client terminal; and sending said encrypted confirmation message to said bank server, whereby said bank server is assured that said stored-value card has been loaded.
58. A computer-implemented method of interacting with a security module by a load server to facilitate the loading of a stored-value card over a network, said method comprising:
receiving a load request from a client terminal over a network, said load request including a plurality of responses from a stored-value card generated in response to emulation of security module commands, whereby network traffic between said load server and said client terminal is reduced;
emulating said stored-value card responses in an interaction with said security module associated with said load server;
receiving a plurality of security module responses from said security module in response to said emulation; and sending a load command destined to said client terminal over said network to facilitate loading of said stored-value card.
59. A method as recited in claim 58 wherein said network is an internet over which said recited steps of said method occur, and wherein said client terminal and said load server are at separate locations.
60. A method as recited in any of claims 58 or 59 further comprising:
a confirmation step for performing the function of confirming loading of said stored-value card, whereby said bank server is assured that said stored-value card has been loaded.
CA2287960A 1997-04-30 1998-04-30 Internet payment and loading system using smart card Expired - Lifetime CA2287960C (en)

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Application Number Priority Date Filing Date Title
CA2686483A CA2686483C (en) 1997-04-30 1998-04-30 Internet payment and loading system using smart card

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US4588397P 1997-04-30 1997-04-30
US60/045,883 1997-04-30
US08/951,614 1997-10-16
US08/951,614 US6282522B1 (en) 1997-04-30 1997-10-16 Internet payment system using smart card
PCT/US1998/008806 WO1998049658A1 (en) 1997-04-30 1998-04-30 Internet payment and loading system using smart card

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CA2287960C CA2287960C (en) 2011-06-21

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US6282522B1 (en) 2001-08-28
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CA2686483A1 (en) 1998-11-05

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