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Internet payment system using smart card

  • US 6,282,522 B1
  • Filed: 10/16/1997
  • Issued: 08/28/2001
  • Est. Priority Date: 04/30/1997
  • Status: Expired due to Term
First Claim
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1. A network payment system for transacting a sale of merchandise over a network using a stored-value card, said network payment system comprising:

  • a router for routing communication between entities attached to said network;

    a merchant server in communication with said network, said merchant server having at least a first item of merchandise for sale;

    a client terminal in communication with said network, said client terminal including a card reader for communicating with said stored-value card, an output device for reviewing said first item for sale, and an input device for initiating a purchase transaction to purchase said first item for sale, said client terminal being arranged to build a purchase message using information obtained from said stored-value card, said stored-value card being arranged to debit itself upon receiving a debit command from a security card; and

    a payment server in communication with said network, said payment server including an interface for communicating with said security card and being arranged to receive said purchase message including an indication of said purchase transaction and to transmit a confirmation message to said merchant server over said network, said security card being arranged to create said debit command intended for said stored-value card, whereby said merchant server is authorized to release said item of merchandise to a user associated with said stored-value card.

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