公开(公告)号：US10977651B2

公开(公告)日：2021-04-13

申请号：US16990974

申请日：2020-08-11

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: G06Q20/40 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q30/06 ,  G06Q20/10 ,  G06Q20/36 ,  H04L29/08 ,  G06Q20/22 ,  H04M1/72403 ,  H04M1/72445 ,  H04M1/725

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.

公开(公告)号：US10902424B2

公开(公告)日：2021-01-26

申请号：US15992722

申请日：2018-05-30

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: G06Q20/40 ,  G06Q30/06 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/10 ,  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.

公开(公告)号：US10601796B2

公开(公告)日：2020-03-24

申请号：US15462301

申请日：2017-03-17

Applicant: Apple Inc.

Inventor： Christopher D. Adams ,  Scott D. Blakesley ,  Jack K. Chung ,  George R. Dicker ,  Glen W. Steele ,  Katherine B. Skinner ,  Yousuf H. Vaid

IPC: H04L29/06 ,  H04W12/04 ,  H04W12/06 ,  H04W12/00 ,  H04W12/08 ,  H04W4/60 ,  H04W4/80 ,  G06Q30/02

Abstract: Systems, methods, and computer-readable media for personalizing program credentials are provided. For example, a program credential (e.g., loyalty pass) associated with a program provider (e.g., an issuer) subsystem may be customized using personal data. The personal data can be collected from an electronic device before provisioning the customized program credential on the electronic device for use in a suitable transaction. However, such personal data may not be collected unless an administration entity subsystem is first able to validate the program provider subsystem. The administration entity subsystem can generate tracking data that may be used during the validation and/or provisioning in order to track when program credentials are personalized.

公开(公告)号：US09324067B2

公开(公告)日：2016-04-26

申请号：US14503381

申请日：2014-09-30

Applicant: Apple Inc.

Inventor： Marcel Van Os ,  Pablo F. Caro ,  George R. Dicker ,  Christopher D. Adams ,  Glen W. Steele

IPC: G06K5/00 ,  G06F17/00 ,  G06Q20/32 ,  G06Q20/40 ,  H04L29/08 ,  H04M1/725 ,  G06Q20/10 ,  G06Q20/36 ,  G06Q20/38

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.

Abstract translation: 本公开涉及使用移动设备进行支付。 在一个示例过程中，移动设备在移动设备上接收并存储一个或多个支付账户的信息。 移动设备用于使用付款帐户进行付款。 在一些示例中，在用户进行的每次购买之前执行进行付款的授权。 授权过程可以包括接收用户的验证，例如指纹扫描或密码。 在一些示例中，从可用的支付帐户中选择支付账户。 在一些示例中，显示与购买的商品相关联的数字商品的指示。 在一些示例中，与正在进行的通信的参与者一起发起支付交易。 在一些示例中，基于应用的可用性来调用零售商的应用。 在一些示例中，提供购买建议。

公开(公告)号：US20150142644A1

公开(公告)日：2015-05-21

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 ,  G06Q20/10

CPC classification number: G06Q20/3278 ,  G06Q20/02 ,  G06Q20/0453 ,  G06Q20/10 ,  G06Q20/327

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.

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，电子设备中的安全元件从第三方接收与金融交易相关联的通知。 该第三方可能独立于金融交易中的交易对手，例如：电子设备的提供商或处理金融交易支付的支付网络。 响应于通知，安全元件从第三方请求与金融交易相关联的收据信息，然后从第三方接收收据信息。 该收据信息可以包括诸如付款状态的第一级信息。 或者或另外，收据信息可以包括第二级信息，诸如所购项目的逐项列表，到信息和/或折扣的链接。