07908216 is referenced by 64 patents and cites 84 patents.

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. The Internet provides the routing functionality between the client terminal and the various servers. A merchant advertises goods on a web site. A user uses the client terminal to purchase goods and/or services from the remote merchant server. The payment server processes, confirms and replies to the merchant server. The payment server is also used to authenticate the holder of a virtual card who wishes to redeem loyalty points from a merchant. To load value, the client terminal requests a load from a user account at the bank server. The load server processes, confirms and replies to the bank server.

Title
Internet payment, authentication and loading system using virtual smart card
Application Number
9/359083
Publication Number
7908216 (B1)
Application Date
July 22, 1999
Publication Date
March 15, 2011
Inventor
Steve R Hoffman
Pleasanton
CA, US
Margaret Reid
San Francisco
CA, US
Suzanne C Cutino
San Francisco
CA, US
Virgil M Davis
Los Altos
CA, US
Agent
Walter G Hanchuk
Chadbourne & Parke
Assignee
Visa International Service Association
CA, US
IPC
G06Q 40/00
View Original Source