Margaret Reid

US Patent:

7908216, Mar 15, 2011

Filed:

Jul 22, 1999

Appl. No.:

09/359083

Inventors:

Virgil M. Davis - Los Altos CA, US
Suzanne C. Cutino - San Francisco CA, US
Margaret Reid - San Francisco CA, US
Steve R. Hoffman - Pleasanton CA, US

Assignee:

Visa International Service Association - Foster City CA

International Classification:

G06Q 40/00

US Classification:

705 41

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. The Internet provides the routing functionality between the client terminal and the various servers. A merchant advertises goods on a web site.

US Patent:

8175973, May 8, 2012

Filed:

Feb 7, 2011

Appl. No.:

13/022431

Inventors:

Virgil M. Davis - Los Altos CA, US
Suzanne C. Cutino - San Francisco CA, US
Margaret Reid - San Francisco CA, US
Steve R. Hoffman - Pleasanton CA, US

Assignee:

Visa International Service Association - Foster City CA

International Classification:

G06Q 40/00

US Classification:

705 41

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. The Internet provides the routing functionality between the client terminal and the various servers. A merchant advertises goods on a web site.

US Patent:

8533116, Sep 10, 2013

Filed:

Mar 13, 2012

Appl. No.:

13/418942

Inventors:

Virgil M. Davis - Los Altos CA, US
Suzanne C. Cutino - San Francisco CA, US
Margaret Reid - San Francisco CA, US
Steve R. Hoffman - Pleasanton CA, US

Assignee:

Visa International Service Association - Foster City CA

International Classification:

G06Q 40/00

US Classification:

705 41, 705 40

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.

US Patent:

20130091000, Apr 11, 2013

Filed:

Oct 10, 2012

Appl. No.:

13/648849

Inventors:

Visa International Service Association - San Francisco CA, US
Margaret Reid - San Mateo CA, US
Joseph Bjorn Ovick - San Francisco CA, US
Mark Carlson - Half Moon Bay CA, US
Patrick Stan - Pacifica CA, US
Patrick Wright - Mountain View CA, US
Kris Koganti - Cupertino CA, US
Glenn Powell - Fremont CA, US

Assignee:

VISA INTERNATIONAL SERVICE ASSOCIATION - San Francisco CA

International Classification:

G06Q 30/02

US Classification:

705 1423

Abstract:

A system and method includes a transaction handler configured to modify the transaction amount, in the authorization request or the authorization response of a transaction, in accordance with an offer that is applicable to the transaction to apply the benefit of the offer to the transaction.

US Patent:

20130124287, May 16, 2013

Filed:

Nov 14, 2012

Appl. No.:

13/676535

Inventors:

Visa International Service Association - San Francisco CA, US
Mark Carlson - Half Moon Bay CA, US
Ryan Hagey - Alameda CA, US
Patrick Stan - Pacifica CA, US
Kris Koganti - Cupertino CA, US
Patrick Wright - Mountain View CA, US
Glenn Powell - Fremont CA, US
Margaret Reid - San Mateo CA, US
Phillip Lyle Kumnick - Phoenix AZ, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06Q 30/02

US Classification:

705 1423

Abstract:

A system and method configured to use a transaction handler to modify the transaction amount of a transaction between an acquirer processor and an issuer processor, during the processing of the authorization of the transaction, in accordance with an offer that is applicable to the transaction to apply the benefit of the offer to the transaction and to provide information of the offer as applied to the transaction in the authorization response transmitted to the acquirer processor.

US Patent:

20140046746, Feb 13, 2014

Filed:

Aug 13, 2013

Appl. No.:

13/965859

Inventors:

Suzanne C. Cutino - San Francisco CA, US
Margaret Reid - San Francisco CA, US
Steve R. Hoffman - Pleasanton CA, US

Assignee:

VISA INTERNATIONAL SERVICE ASSOCIATION - San Francisco CA

International Classification:

G06Q 20/34
G06Q 20/10
G06Q 30/02

US Classification:

705 1426, 705 1433, 705 41

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.