Enabling use of smart cards by consumer devices for internet...

Details Enabling use of smart cards by consumer devices for internet... Enabling use of smart cards by consumer devices for internet...

2006-09-05

2006-09-05

Trammell, James P. (Department: 3621)

Data processing: financial, business practice, management, or co

Business processing using cryptography

Secure transaction

C705S044000, C705S026640, C235S379000, C235S380000

Reexamination Certificate

active

07103575

ABSTRACT:
A method, system, and computer readable code for enabling use of smart cards by consumer devices for Internet commerce. This is achieved by integrating an existing “Integrated Circuit Card Specification for Application Payment Systems” standard (commonly known as the “EMV” standard) with an augmented version of the Four-Party Credit/Debit Payment Protocol which was disclosed in U.S. Pat. No. 6,327,578. The result of the integration allows a consumer to use a smart card from a personal computer system for credit or debit transactions, while preserving the level of security and other features required by the credit card associations and banks. No modifications are required to the existing EMV standard or existing EMV smart cards.

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Financial Cryptography First International Conference, FC '97. Proceedings pp. 123-134, published Berlin, Germany, 1997, —abstract—.

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