Internet payment, authentication and loading system using virtual smart card
First Claim
1. A computer-implemented method of transacting a sale of an item over a network using an on-line purchase server having a record in a database representing a virtual smart card, said method comprising:
- receiving via a computer-implemented pseudo card reader module a cost of an item to be purchased by a user, said cost originating from a merchant server over said network;
formulating via the computer a draw request message using information in a virtual smart card record;
sending via the computer said 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 via the computer a debit command from said payment server;
debiting via the computer a balance amount in said virtual smart card record by said cost; and
sending via the computer a debit response message to said payment server, whereby said merchant server may be informed that said sale of said item is a success and said merchant server may release said item to a user associated with said virtual smart card record.
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Accused Products
Abstract
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.
71 Citations
4 Claims
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1. A computer-implemented method of transacting a sale of an item over a network using an on-line purchase server having a record in a database representing a virtual smart card, said method comprising:
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receiving via a computer-implemented pseudo card reader module a cost of an item to be purchased by a user, said cost originating from a merchant server over said network; formulating via the computer a draw request message using information in a virtual smart card record; sending via the computer said 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 via the computer a debit command from said payment server; debiting via the computer a balance amount in said virtual smart card record by said cost; and sending via the computer a debit response message to said payment server, whereby said merchant server may be informed that said sale of said item is a success and said merchant server may release said item to a user associated with said virtual smart card record. - View Dependent Claims (2, 3, 4)
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Specification