Patents by Inventor Stephen R Hoffman

Stephen R Hoffman has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Smart card loading transactions using wireless telecommunications networks
    Patent number: 8078532
    Abstract: A smart card transaction allows a consumer to load value onto a smart card and to make purchases using a smart card with a mobile telephone handset over the telecommunications network. For loading, the system includes: a mobile telephone handset including a card reader; a gateway computer; a funds issuer computer; and an authentication computer. The mobile telephone handset receives a request from a user to load a value onto the smart card. The handset generates a funds request message which includes the value and sends the funds request message to a funds issuer computer. The funds issuer computer debits an account associated with the user. Next, the handset generates a load request message with a cryptographic signature and sends the load request message to an authentication computer which authenticates the smart card. The handset receives a response message which includes a cryptographic signature and an approval to load.
    Type: Grant
    Filed: October 6, 2008
    Date of Patent: December 13, 2011
    Assignee: Visa International Service Association
    Inventors: Stephen R Hoffman, Suzanne C Cutino
  • Smart card load and purchase transactions using wireless telecommunications network
    Patent number: 8019684
    Abstract: A smart card transaction allows a consumer to load value onto a smart card and to make purchases using a smart card with a mobile telephone handset over the telecommunications network. For loading, the system includes: a mobile telephone handset including a card reader; a gateway computer; a funds issuer computer; and an authentication computer. The mobile telephone handset receives a request from a user to load a value onto the smart card. The handset generates a funds request message which includes the value and sends the funds request message to a funds issuer computer. The funds issuer computer debits an account associated with the user. Next, the handset generates a load request message with a cryptographic signature and sends the load request message to an authentication computer which authenticates the smart card. The handset receives a response message which includes a cryptographic signature and an approval to load.
    Type: Grant
    Filed: October 6, 2008
    Date of Patent: September 13, 2011
    Assignee: Visa International Service Association
    Inventors: Stephen R Hoffman, Suzanne C Cutino