Patents by Inventor Steve R. Hoffman

Steve 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).

  • Publication number: 20140046746
    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.
    Type: Application
    Filed: August 13, 2013
    Publication date: February 13, 2014
    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Virgil M. Davis, Suzanne C. Cutino, Margaret Reid, Steve R. Hoffman
  • Patent number: 8533116
    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.
    Type: Grant
    Filed: March 13, 2012
    Date of Patent: September 10, 2013
    Assignee: Visa International Service Association
    Inventors: Virgil M. Davis, Suzanne C. Cutino, Margaret Reid, Steve R. Hoffman
  • Publication number: 20120239565
    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.
    Type: Application
    Filed: March 13, 2012
    Publication date: September 20, 2012
    Applicant: Visa International Service Association
    Inventors: Virgil M. Davis, Suzanne C. Cutino, Margaret Reid, Steve R. Hoffman
  • Patent number: 8175973
    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.
    Type: Grant
    Filed: February 7, 2011
    Date of Patent: May 8, 2012
    Assignee: Visa International Service Association
    Inventors: Virgil M. Davis, Suzanne C. Cutino, Margaret Reid, Steve R. Hoffman
  • Publication number: 20110125638
    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.
    Type: Application
    Filed: February 7, 2011
    Publication date: May 26, 2011
    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Virgil M. Davis, Suzanne C. Cutino, Margaret Reid, Steve R. Hoffman
  • Patent number: 7908216
    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.
    Type: Grant
    Filed: July 22, 1999
    Date of Patent: March 15, 2011
    Assignee: Visa International Service Association
    Inventors: Virgil M. Davis, Suzanne C. Cutino, Margaret Reid, Steve R. Hoffman