06282522 is referenced by 470 patents and cites 27 patents.

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.

Title
Internet payment system using smart card
Application Number
8/951614
Publication Number
6282522 (B1)
Application Date
October 16, 1997
Publication Date
August 28, 2001
Inventor
Steven John Pringle
Oakland
CA, US
Fredrick Sidney Conklin
Oakland
CA, US
Michael J Berg
Belmont
CA, US
Suzanne C Cutino
San Francisco
CA, US
Virgil M Davis
Los Altos
CA, US
Agent
Beyer Weaver & Thomas
US
Assignee
Visa International Service Association
CA, US
IPC
G06F 17/60
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