Internet loading system using smart card
First Claim
1. 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.
2 Assignments
0 Petitions
Accused Products
Abstract
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 and debiting of the card. Debiting works in conjunction with a merchant server and a payment server. Loading works in conjunction with a bank server and a load server. The Internet provides the routing functionality between the client terminal and the various servers. A payment server on the Internet includes a computer and a security module (or a security card in a terminal) to handle the transaction, data store and collection. A merchant server 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 at the client terminal in order to purchase goods and/or services from the remote merchant server. 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 requests a load from a user account at the bank server. A load request is sent from the card to the load server 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 for later settlement for a merchant from whom the user purchases goods with value on the card.
575 Citations
28 Claims
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1. A loading system for loading value over a network onto a stored-value card, said loading system comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer-implemented method of loading a stored-value card over a network comprising:
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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. - View Dependent Claims (9, 10, 11, 12)
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13. A computer-implemented method of loading a stored-value card over a network comprising:
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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. - View Dependent Claims (14, 15, 16, 17)
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18. 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:
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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. - View Dependent Claims (19, 20, 21, 22)
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23. 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:
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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; 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. - View Dependent Claims (24, 25)
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26. 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:
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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. - View Dependent Claims (27, 28)
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Specification