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    GENERATING TRANSACTION IDENTIFIERS
    2.
    发明申请
    GENERATING TRANSACTION IDENTIFIERS 审中-公开
    生成交易标识符

    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

    IPC: G06Q20/38 ,  G06Q20/32

    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。

    GENERATING TRANSACTION IDENTIFIERS
    4.
    发明申请
    GENERATING TRANSACTION IDENTIFIERS 审中-公开

    公开(公告)号：US20150142671A1

    公开(公告)日：2015-05-21

    申请号：US14475113

    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

    IPC: G06Q20/38

    CPC classification number: G06Q20/382 ,  G06Q20/02 ,  G06Q20/0453 ,  G06Q20/327 ,  G06Q20/3827 ,  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.

    Generating transaction identifiers
    5.
    发明授权
    Generating transaction identifiers 有权

    公开(公告)号：US12086769B2

    公开(公告)日：2024-09-10

    申请号：US17341711

    申请日：2021-06-08

    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

    IPC: G06Q20/38 ,  G06Q20/04 ,  G06Q20/32

    CPC classification number: G06Q20/047 ,  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.

    User interface for payments
    6.
    发明授权
    User interface for payments 有权

    公开(公告)号：US10748153B2

    公开(公告)日：2020-08-18

    申请号：US16164561

    申请日：2018-10-18

    Applicant: Apple Inc.

    Inventor： Marcel Van Os ,  Christopher D. Adams ,  Charles Ahn ,  Pablo F. Caro ,  George R. Dicker ,  Craig M. Federighi ,  Woo-Ram Lee ,  Brian Tucker ,  Giancarlo Yerkes

    IPC: G06Q20/10 ,  G06Q30/06 ,  G06Q20/40 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/36 ,  H04L29/08 ,  H04M1/725 ,  G06Q20/22

    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.

    Generating transaction identifiers
    7.
    发明授权
    Generating transaction identifiers 有权

    公开(公告)号：US11042846B2

    公开(公告)日：2021-06-22

    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

    IPC: G06Q20/38 ,  G06Q20/04 ,  G06Q20/32

    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.

    Electronic receipts for NFC-based financial transactions
    8.
    发明授权
    Electronic receipts for NFC-based financial transactions 有权

    公开(公告)号：US11037131B2

    公开(公告)日：2021-06-15

    申请号：US14474787

    申请日：2014-09-02

    Applicant: Apple Inc.

    Inventor： Yousuf H. Vaid ,  George R. Dicker ,  Ahmer A. Khan ,  Christopher B. Sharp ,  Glen W. Steele ,  Christopher D. Adams ,  David T. Haggerty

    IPC: G06Q20/32 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10

    Abstract: To facilitate conducting a financial transaction via wireless communication between an electronic device and another electronic device, a secure element in the electronic device receives, from a third party, a notification associated with a financial transaction. This third party may be independent of a counterparty in the financial transaction, such as: a provider of the electronic device or a payment network that processes payment for the financial transaction. In response to the notification, the secure element requests, from the third party, receipt information associated with the financial transaction, and then receives the receipt information from the third party. This receipt information may include a first-level information, such as payment status. Alternatively or additionally, the receipt information may include a second-level information, such as an itemized list of purchased items, links to information and/or discounts.

    User interface for payments
    9.
    发明授权
    User interface for payments 有权

    公开(公告)号：US10282727B2

    公开(公告)日：2019-05-07

    申请号：US15294439

    申请日：2016-10-14

    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: G06Q20/40 ,  G06Q20/32 ,  H04L29/08 ,  H04M1/725 ,  G06Q20/10 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q30/06 ,  G06Q20/22

    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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