초록 ▼

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 Intern

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 Internet includes a computer and terminals that contain security cards to handle the transaction, data store and collection. Also connected over the Internet is a merchant server advertising 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 Internet provides the routing functionality between the client terminal, merchant server and payment server. The client terminal emulates a security card in interacting with the smart card, and the responses received are grouped together and sent as a draw request message to the payment server. The payment server then emulates the smart card in an interaction with the security card. The security card delivers the expected smart card signature to the payment server and/or on to the client terminal or merchant server to reduce message traffic between the entities on the network. The comparison of the smart card signature to an expected value can occur at any location. Encryption is used for security.

대표청구항 ▼

[ We claim:] [1.]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

[ We claim:] [1.]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; anda 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.