Search International and National Patent Collections
Some content of this application is unavailable at the moment.
If this situation persist, please contact us atFeedback&Contact
1. (WO1998049658) INTERNET PAYMENT AND LOADING SYSTEM USING SMART CARD
Latest bibliographic data on file with the International Bureau

Pub. No.: WO/1998/049658 International Application No.: PCT/US1998/008806
Publication Date: 05.11.1998 International Filing Date: 30.04.1998
Chapter 2 Demand Filed: 25.11.1998
IPC:
G06Q 20/02 (2012.01) ,G06Q 20/04 (2012.01) ,G06Q 20/10 (2012.01) ,G06Q 20/12 (2012.01) ,G06Q 20/40 (2012.01) ,G07F 7/08 (2006.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
02
involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
04
Payment circuits
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
08
Payment architectures
10
specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
08
Payment architectures
12
specially adapted for electronic shopping systems
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
40
Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G PHYSICS
07
CHECKING-DEVICES
F
COIN-FREED OR LIKE APPARATUS
7
Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
08
by coded identity card or credit card
Applicants:
VISA INTERNATIONAL SERVICE ASSOCIATION [US/US]; 900 Metro Center Boulevard Foster City, CA 94404, US (AL, AM, AT, AU, AZ, BA, BB, BE, BF, BG, BJ, BR, BY, CA, CF, CG, CH, CI, CM, CN, CU, CY, CZ, DE, DK, EE, ES, FI, FR, GA, GB, GE, GH, GM, GN, GR, GW, HU, ID, IE, IL, IS, IT, JP, KE, KG, KP, KR, KZ, LC, LK, LR, LS, LT, LU, LV, MC, MD, MG, MK, ML, MN, MR, MW, MX, NE, NL, NO, NZ, PL, PT, RO, RU, SD, SE, SG, SI, SK, SL, SN, SZ, TD, TG, TJ, TM, TR, TT, UA, UG, UZ, VN, YU, ZW)
DAVIS, Virgil, M. [US/US]; US (UsOnly)
CUTINO, Suzanne, C. [US/US]; US (UsOnly)
BERG, Michael, J. [US/US]; US (UsOnly)
CONKLIN, Fredrick, Sidney [US/US]; US (UsOnly)
PRINGLE, Steven, John [US/US]; US (UsOnly)
Inventors:
DAVIS, Virgil, M.; US
CUTINO, Suzanne, C.; US
BERG, Michael, J.; US
CONKLIN, Fredrick, Sidney; US
PRINGLE, Steven, John; US
Agent:
SCOTT, Jonathan, O.; Beyer & Weaver, LLP P.O. Box 61059 Palo Alto, CA 94306, US
Priority Data:
08/951,61416.10.1997US
60/045,88330.04.1997US
Title (EN) INTERNET PAYMENT AND LOADING SYSTEM USING SMART CARD
(FR) SYSTEME DE PAIEMENT ET DE CHARGEMENT PAR INTERNET A L'AIDE D'UNE CARTE A PUCE
Abstract:
(EN) An architecture and system loads and uses a smart card (5) for payment of goods and/or services purchased on-line over the Internet (202). A client module on a client terminal (204) controls the interaction with a consumer and interfaces to a card reader (210) which accepts the consumer's smart card (5) and allows loading and debiting of the card. Debiting works in conjunction with a merchant server (208) and a payment server (206). Loading works in conjunction with a bank server (860) and a load server (862). The Internet provides the routing functionality between the client terminal and the various servers. A payment server (206) on the Internet includes a computer and a security module (or a security card (218) in a terminal (214)) to handle the transaction, data store and collection. A merchant server (208) 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 (5) at the client terminal (204) in oder to purchase goods and/or services from the remote merchant server (208). 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 (204) requests a load from a user account at the bank server (860). A load request is sent from the card (5) to the load server (862) 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 (108) for later settlement for a merchant from whom the user purchases goods with value on the card.
(FR) L'invention porte sur une architecture et un système chargeant et utilisant une carte à puce (5) pour le paiement de marchandises et/ou de services achetés en ligne via Internet (202). Un module client du terminal client (204) gère les interactions avec un consommateur et sert d'interface avec un lecteur (210) de cartes qui accepte la carte à puce (5) du consommateur et permet de la charger et de la débiter. Le débit se fait en association avec un serveur commercial (208) et un serveur de paiement (206). Le chargement se fait en association avec un serveur bancaire (860) et un serveur de chargement (862). Le réseau Internet assure les fonctions d'acheminement entre le terminal client et les différents serveurs. Un serveur de paiement (206) du réseau Internet comporte un ordinateur et un module de sécurité (ou une carte de sécurité (218) située dans un terminal (214)) pour traiter la transaction, stocker les données et les recueillir. Un serveur commercial (208) présente les marchandises et/ou services offerts par un commerçant à la vente sur un site Internet. Le commerçant se met d'accord avec un acquéreur pour accepter les cartes à puce en paiement des marchandises et/ou services achetés via Internet. Un consommateur utilise sa carte à puce (5) au terminal client (204) en vue de l'achat de marchandises et/ou de services au serveur commercial à distance (208). Le terminal client envoie une demande de retrait au serveur de paiement. Le serveur de paiement après traitement confirme et répond au serveur commercial (facultativement via le terminal client). Pour charger des valeurs, le terminal client (204) fait au serveur bancaire (860) une demande de chargement depuis un compte utilisateur. Une demande de chargement est adressée par la carte (5) au serveur de chargement (862) qui après traitement confirme et répond au serveur bancaire (facultativement via le terminal client). La banque transfert les fonds chargés à l'émetteur de carte (108) en vue du règlement ultérieur du commerçant auquel l'utilisateur à acheté des marchandises avec des valeurs chargées sur la carte.
front page image
Designated States: AL, AM, AT, AU, AZ, BA, BB, BG, BR, BY, CA, CH, CN, CU, CZ, DE, DK, EE, ES, FI, GB, GE, GH, GM, GW, HU, ID, IL, IS, JP, KE, KG, KP, KR, KZ, LC, LK, LR, LS, LT, LU, LV, MD, MG, MK, MN, MW, MX, NO, NZ, PL, PT, RO, RU, SD, SE, SG, SI, SK, SL, TJ, TM, TR, TT, UA, UG, US, UZ, VN, YU, ZW
African Regional Intellectual Property Organization (ARIPO) (GH, GM, KE, LS, MW, SD, SZ, UG, ZW)
Eurasian Patent Organization (AM, AZ, BY, KG, KZ, MD, RU, TJ, TM)
European Patent Office (AT, BE, CH, CY, DE, DK, ES, FI, FR, GB, GR, IE, IT, LU, MC, NL, PT, SE)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)
Also published as:
EP1003139EP1023705CA2287960AU1998072726