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公开(公告)号：US12282950B2
公开(公告)日：2025-04-22
申请号：US17093497
申请日：2020-11-09
Applicant: Apple Inc.
Inventor： David T. Haggerty , George R. Dicker , Joakim Linde , Ahmer A. Khan , Timothy S. Hurley
IPC: G06Q40/02 , G06F21/42 , G06Q20/32 , G06Q20/34 , G06Q20/38 , G06Q20/42 , G06Q30/018 , H04L9/32 , H04L9/40 , H04L101/37
Abstract: Systems, methods, and computer-readable media for provisioning credentials on an electronic device are provided. In one example embodiment, a secure platform system may be in communication with an electronic device and a financial institution subsystem. The secure platform system may be configured to, inter alia, detect a selection of a particular commerce credential, access communication mechanism data indicative of at least one communication mechanism of the device, where the at least one mechanism is configured to receive a communication on the device, transmit information to the financial subsystem, where the information includes the mechanism data and the selection of the particular commerce credential, and instruct the financial subsystem to provision the particular commerce credential in a disabled state on the device and communicate credential enablement data to the device using a particular communication mechanism of the at least one communication mechanism indicated by the communication mechanism data.
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公开(公告)号：US12165127B2
公开(公告)日：2024-12-10
申请号：US17200455
申请日：2021-03-12
Applicant: Apple Inc.
Inventor： Marcel Van Os , Oluwatomiwa B. Alabi , Peter D. Anton , George R. Dicker , Donald W. Pitschel , Danvin Ruangchan , Glen W. Steele , Simon Tickner , Shawn T. Webster
Abstract: In some examples, an account is provisioned onto an electronic device. In some examples, the device receives a value to fund the account provisioned on the electronic device. In some examples, the electronic device transacts with a contactless transaction terminal using the provisioned account and displays an indication of the transaction. In some examples, the electronic device transmits information corresponding to the provisioned account without checking for authentication. In some examples, the device receives user input initiating a process for moving the account from a first device to a second device. In some examples, the device receives account payment credentials from a second device when a set of payment criteria are met.
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公开(公告)号：US11178271B2
公开(公告)日：2021-11-16
申请号：US15149013
申请日：2016-05-06
Applicant: Apple Inc.
Inventor： Imran A. Chaudhri , Gregory Novick , Scott Forstall , Morgan Grainger , George R. Dicker , Tyler Hawkins
IPC: H04M1/72463 , G06F3/01 , H04M19/04 , G06F3/0488 , H04M1/72451 , H04M1/72457 , G06F3/048 , G06F3/0481 , G06F3/0484 , G06F3/16
Abstract: In some implementations, a computing device can be configured to automatically turn off notifications when generating a notification would cause a disturbance or be unwanted by a user. The device can be configured with quiet hours during which notifications that would otherwise be generated by the computing device can be suppressed. In some implementations, quiet hours can be configured as a time period with a start time and an end time. In some implementations, quiet hours can be derived from application data. For example, calendar data, alarm clock data, map data, etc. can be used to determine when quiet hours should be enforced. In some implementations, the device can be configured with exceptions to quiet hour notification suppression. In some implementations, the user can identify contacts to which the quiet hours notification suppression should not be applied.
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公开(公告)号：US11037150B2
公开(公告)日：2021-06-15
申请号：US15433320
申请日：2017-02-15
Applicant: Apple Inc.
Inventor： Marcel Van Os , Oluwatomiwa B. Alabi , Peter D. Anton , Leonardo N. Cantelmo , George R. Dicker , Morgan Grainger , Kevin Lynch , Nicholas J. Shearer , Simon Tickner
Abstract: The present disclosure generally relates to transaction user interfaces. In some examples, a user is notified if there is an error with transaction parameters and the device determines whether potentially compatible transaction parameters are available on the electronic device. In some examples, the user is notified if there is an error with transaction parameters and the user is prompted to use another device to enter new transaction information.
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公开(公告)号：US11017384B2
公开(公告)日：2021-05-25
申请号：US14475268
申请日：2014-09-02
Applicant: Apple inc.
Inventor： Jeremy T. Brown , George R. Dicker , Glen W. Steele , Morgan J. Grainger , Zachary A. Rosen
Abstract: A system for provisioning credentials onto an electronic device is provided. The system may include a payment network subsystem, a service provider subsystem, a primary user device, and a secondary user device. The user may select a particular payment card to provision onto the secondary user device by providing an input at the primary user device. A broker module running on the service provider subsystem may then transfer a disabled pass to the secondary user device. Concurrently, the payment network subsystem may direct a trusted service manager module on the service provider subsystem to write credential information onto a secure element within the secondary user device. Once the secure element has been updated, the broker module may provide an activated pass to the secondary user device so that the secondary user device can be used to perform NFC-based financial transactions at a merchant terminal.
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Patent Agency Ranking
公开(公告)号：US10043185B2
公开(公告)日：2018-08-07
申请号：US14503072
申请日：2014-09-30
Applicant: Apple Inc.
Inventor： Marcel Van Os , Pablo F. Caro , Woo-Ram Lee , George R. Dicker , Christopher D. Adams , Charles Ahn , Craig M. Federighi , Brian Tucker , Giancarlo Yerkes
IPC: G06Q40/00 , G06Q20/40 , G06Q20/32 , H04L29/08 , H04M1/725 , G06Q20/10 , G06Q20/36 , G06Q20/38 , G06Q30/06 , G06Q20/22
CPC classification number: G06Q20/40145 , G06Q20/10 , G06Q20/102 , G06Q20/227 , G06Q20/32 , G06Q20/322 , G06Q20/3223 , G06Q20/3224 , G06Q20/327 , G06Q20/3278 , G06Q20/36 , G06Q20/3821 , G06Q20/40 , G06Q20/401 , G06Q20/4014 , G06Q20/405 , G06Q30/0631 , H04L67/10 , H04M1/72522 , H04M1/72561
Abstract: The present disclosure relates to making payments with a mobile device. In one example process, the mobile device receives and stores information for one or more payment accounts on the mobile device. The mobile device is used to make payments using the payment accounts. In some examples, authorization to proceed with a payment is performed before each purchase made by the user. The authorization process can include receiving a verification of the user, such as a fingerprint scan or passcode. In some examples, a payment account is selected from among available payment accounts. In some examples, an indication is displayed of a digital item associated with a purchased item. In some examples, a payment transaction is initiated with participants of an ongoing communication. In some examples, an application of a retailer is invoked based on the availability of the application. In some examples, a purchase recommendation is provided.
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公开(公告)号：US09842330B1
公开(公告)日：2017-12-12
申请号：US15274086
申请日：2016-09-23
Applicant: APPLE INC.
Inventor： Marcel Van Os , Charles Ahn , Oluwatomiwa B. Alabi , Peter D. Anton , George R. Dicker , Donald W. Pitschel , Glen W. Steele , Simon Tickner
CPC classification number: G06Q20/327 , G06F3/0481 , G06Q20/227 , G06Q20/3274 , G06Q20/3278 , G06Q20/342 , G06Q20/36 , G06Q20/367 , G06Q20/3674 , G06Q20/4014 , G07F9/023
Abstract: In some examples, an account is provisioned onto an electronic device. In some examples, the device receives a value to fund the account provisioned on the electronic device. In some examples, the electronic device transacts with a contactless transaction terminal using the provisioned account and displays an indication of the transaction. In some examples, the electronic device transmits information corresponding to the provisioned account without checking for authentication. In some examples, the device receives user input initiating a process for moving the account from a first device to a second device. In some examples, the device receives account payment credentials from a second device when a set of payment criteria are met.
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公开(公告)号：US09600830B2
公开(公告)日：2017-03-21
申请号：US14291885
申请日：2014-05-30
Applicant: Apple Inc.
Inventor： Thomas Alsina , David T. Wilson , George R. Dicker , Subash Sundaresan
CPC classification number: G06Q30/0214 , G06F17/30867 , G06Q30/0204 , G06Q50/01
Abstract: Methods and arrangements allow merchants to set up advertising campaigns that distribute special offers or discounts and allows users to forward the special offers to friends. The forwarding of the offers could expose merchants to offering more discounts than budgeted and this is a concern. The invention addresses this by having the forwarded offer check with the merchant server or advertising server to see if there is enough budget in the campaign left to allow the issuance of the forwarded offer, and if so, the server issues a new identifier. If not, the user receiving the forwarded offer receives a message saying the campaign has expired. Since every offer has its own identifier, the forwarding of the offers can be tracked, as well as the redemption, which allows for social metric collection.
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公开(公告)号：US20150193764A1
公开(公告)日：2015-07-09
申请号：US14474773
申请日：2014-09-02
Applicant: Apple Inc.
Inventor： David T. Haggerty , George R. Dicker , Ahmer A. Khan , Christopher B. Sharp , Timothy S. Hurley , Vineet Chadha
CPC classification number: G06Q20/3226 , G06Q20/322 , G06Q20/40 , G06Q20/4014 , H04W8/22
Abstract: If a user loses an electronic device that has the capability to conduct financial transactions, the user may report that the electronic device is lost using a lost-device software application to a management electronic device associated with a provider of the electronic device. In response to receiving this information, a disabling command is sent to a payment network associated with the financial account of the user to temporarily disable use of the electronic device to conduct the financial transactions. In particular, the electronic device may include a secure element that stores a payment applet for a financial account, and the disabling command may disable a mapping from a virtual identifier for the financial account to a financial primary account number. Subsequently, if the user finds the electronic device, the user may re-enable the capability (and, thus, the mapping) by providing authentication information to the electronic device.
Abstract translation: 如果用户丢失了具有进行金融交易能力的电子设备，则用户可以使用丢失的设备软件应用向与电子设备的提供商相关联的管理电子设备报告电子设备丢失。 响应于接收到该信息，禁用命令被发送到与用户的财务帐户相关联的支付网络，以暂时禁止使用电子设备进行金融交易。 特别地，电子设备可以包括存储用于金融帐户的支付小应用程序的安全元件，并且禁用命令可以禁用从财务帐户的虚拟标识符到财务主帐号的映射。 随后，如果用户发现电子设备，则用户可以通过向电子设备提供认证信息来重新启用能力（并且因此映射）。
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公开(公告)号：US20150142665A1
公开(公告)日：2015-05-21
申请号：US14475128
申请日：2014-09-02
Applicant: Apple Inc.
Inventor： George R. Dicker , Christopher B. Sharp , Ahmer A. Khan , Yousuf H. Vaid , Glen W. Steele , Christopher D. Adams , David T. Haggerty
CPC classification number: G06Q20/0453 , G06Q20/322 , G06Q20/385
Abstract: To facilitate conducting a financial transaction via wireless communication between an electronic device and another electronic device, the electronic device determines a unique transaction identifier for the financial transaction based on financial-account information communicated to the other electronic device. The financial-account information specifies a financial account that is used to pay for the financial transaction. Moreover, the unique transaction identifier may be capable of being independently computed by one or more other entities associated with the financial transaction (such as a counterparty in the financial transaction or a payment network that processes payment for the financial transaction) based on the financial-account information communicated by the portable electronic device. The electronic device may also associate receipt information, which is subsequently received from a third party (such as the payment network), with the financial transaction by comparing the determined unique transaction identifier to the computed unique transaction identifier.
Abstract translation: 为了通过电子设备和另一电子设备之间的无线通信进行金融交易，电子设备基于传送到另一电子设备的金融账户信息确定用于金融交易的唯一交易标识符。 财务账户信息指定用于支付金融交易的金融账户。 此外，唯一交易标识符可能能够由与金融交易相关联的一个或多个其他实体（诸如金融交易中的交易对手或处理金融交易支付的支付网络）独立计算， 由便携式电子设备传送的帐户信息。 电子设备还可以将随后从第三方（例如支付网络）接收到的接收信息与金融交易相关联，通过将确定的唯一交易标识符与所计算的唯一交易标识符进行比较。
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