公开(公告)号：US20240265383A1

公开(公告)日：2024-08-08

申请号：US18615993

申请日：2024-03-25

Applicant: Apple Inc.

Inventor： Manoj K. Thulaseedharan PILLAI ,  Ahmer A. KHAN ,  Thomas ELLIOTT ,  Timothy S. HURLEY ,  Jennifer J. BAILEY ,  David E. BRUDNICKI

IPC: G06Q20/38 ,  G06F21/45 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/32 ,  G06Q20/40 ,  H04W12/069

CPC classification number: G06Q20/3829 ,  G06F21/45 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q20/3226 ,  G06Q20/3227 ,  G06Q20/325 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/3823 ,  G06Q20/40 ,  G06Q20/4016 ,  H04W12/069 ,  G06Q2220/00

Abstract: Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data. Additional embodiments are also provided.

公开(公告)号：US20230419310A1

公开(公告)日：2023-12-28

申请号：US18241844

申请日：2023-09-01

Applicant: Apple Inc.

Inventor： Manoj K. Thulaseedharan PILLAI ,  Ahmer A. KHAN ,  Thomas ELLIOTT ,  Timothy S. HURLEY ,  Jennifer J. BAILEY ,  David E. BRUDNICKI

IPC: G06Q20/38 ,  H04L9/08 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/12

CPC classification number: G06Q20/3829 ,  H04L9/0861 ,  G06Q20/3278 ,  G06Q20/3227 ,  G06Q20/382 ,  G06Q20/3823 ,  G06Q20/325 ,  G06Q20/40 ,  G06Q20/12 ,  H04L2209/24 ,  G06Q2220/00

Abstract: Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data. Additional embodiments are also provided.

公开(公告)号：US20220327528A1

公开(公告)日：2022-10-13

申请号：US17843924

申请日：2022-06-17

Applicant: Apple Inc.

Inventor： David E. BRUDNICKI ,  Manoj K. THULASEEDHARAN PILLAI ,  Rupa B. VAZIRANI ,  Sunil NAIR ,  Timothy S. HURLEY ,  Matthew W. STRAMPE ,  Anish BHATT

IPC: G06Q20/38 ,  G06Q20/32 ,  G06Q20/10

Abstract: Systems, methods, and computer-readable media for facilitating a fund transfer between user accounts are provided.

公开(公告)号：US20210150523A1

公开(公告)日：2021-05-20

申请号：US17135876

申请日：2020-12-28

Applicant: Apple Inc.

Inventor： Manoj K. Thulaseedharan PILLAI ,  Ahmer A. KHAN ,  Thomas ELLIOTT ,  Timothy S. HURLEY ,  Jennifer J. BAILEY ,  David E. BRUDNICKI

IPC: G06Q20/38 ,  G06F21/45 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/12 ,  H04W12/069

Abstract: Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data. Additional embodiments are also provided.