1
Virgil M Davis, Suzanne C Cutino, Michael J Berg, Fredrick Sidney Conklin, Steven John Pringle: Internet payment system using smart card. Visa International Service Association, Beyer Weaver & Thomas, August 28, 2001: US06282522 (470 worldwide citation)

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 I ...


2
Virgil M Davis, Suzanne C Cutino, Michael J Berg, Frederick Sidney Conklin, Steven John Pringle: Internet loading system using smart card. Visa International Service Association, Beyer Weaver Thomas & Nguyen, August 15, 2000: US06105008 (312 worldwide citation)

An architecture and system loads and uses a smart card for payment of goods and/or services purchased on-line over the Internet. A client module on a client terminal controls the interaction with a consumer and interfaces to a card reader which accepts the consumer's smart card and allows loading an ...


3
Virgil M Davis, Suzanne C Cutino, Margaret Reid, Steve R Hoffman: Internet payment, authentication and loading system using virtual smart card. Visa International Service Association, Chadbourne & Parke, Walter G Hanchuk, March 15, 2011: US07908216 (64 worldwide citation)

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 a ...


4
Virgil M Davis, Suzanne C Cutino, Margaret Reid, Steve R Hoffman: Internet payment, authentication and loading system using virtual smart card. Visa International Service Association, Walter G Hanchuk, Chadbourne and Parke, May 8, 2012: US08175973 (20 worldwide citation)

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 a ...


5
Steven R Hoffman, Suzanne C Cutino: Smart card transactions using wireless telecommunications network. Visa International Service Association, Beyer Law Group, June 1, 2010: US07729986 (17 worldwide citation)

A smart card transaction allows a consumer to load value onto a smart card and to make purchases using a smart card with a mobile telephone handset over the telecommunications network. For loading, the system includes: a mobile telephone handset including a card reader; a gateway computer; a funds i ...


6
Stephen R Hoffman, Suzanne C Cutino: Smart card load and purchase transactions using wireless telecommunications network. Visa International Service Association, Walter G Hanchuk, Chadbourne & Parke, September 13, 2011: US08019684 (7 worldwide citation)

A smart card transaction allows a consumer to load value onto a smart card and to make purchases using a smart card with a mobile telephone handset over the telecommunications network. For loading, the system includes: a mobile telephone handset including a card reader; a gateway computer; a funds i ...


7
Steven R Hoffman, Suzanne C Cutino: Smart card loading transactions using wireless telecommunications network. Visa International Service Association, Cooley, Walter G Hanchuk, Nathan W Poulsen, April 9, 2013: US08417631 (5 worldwide citation)

Smart card transactions allow consumers to load value onto and make purchases using smart cards with a mobile telephone handset over the telecommunications network. To load the smart card, the handset receives a request to load value. The handset generates a funds request message and sends the messa ...


8
Stephen R Hoffman, Suzanne C Cutino: Smart card loading transactions using wireless telecommunications networks. Visa International Service Association, Walter G Hanchuk, Chadbourne & Parke, December 13, 2011: US08078532 (5 worldwide citation)

A smart card transaction allows a consumer to load value onto a smart card and to make purchases using a smart card with a mobile telephone handset over the telecommunications network. For loading, the system includes: a mobile telephone handset including a card reader; a gateway computer; a funds i ...


9
Stephen R Hoffman, Suzanne C Cutino: Smart card purchase transactions using wireless telecommunications network. Visa Internatinoal Service Association, Walter G Hanchuk, Chadbourne & Parke, December 20, 2011: US08082211 (5 worldwide citation)

A mobile handset includes a card reader; a gateway; a funds issuer computer; and an authentication computer. The handset receives a request to load a value onto the smart card. The handset generates a funds request and sends it to a funds issuer computer. The funds issuer computer debits an account. ...


10
Virgil M Davis, Suzanne C Cutino, Margaret Reid, Steve R Hoffman: Internet payment, authentication and loading system using virtual smart card. Visa International Service Association, Walter G Hanchuk, Cooley, September 10, 2013: US08533116 (1 worldwide citation)

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 a ...