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公开(公告)号：US20180068313A1
公开(公告)日：2018-03-08
申请号：US15274910
申请日：2016-09-23
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
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：US20160224966A1
公开(公告)日：2016-08-04
申请号：US14870694
申请日：2015-09-30
Applicant: APPLE INC.
Inventor： Marcel VAN OS , George R. DICKER , Glen W. STEELE , Pablo F. CARO , Peter ANTON , Donald W. PITSCHEL
CPC classification number: G06Q20/3278 , G06K9/78 , G06Q20/24 , G06Q20/32 , G06Q20/3224 , G06Q20/3276 , G06Q20/3552 , G06Q20/40145 , H04N5/225
Abstract: The present disclosure generally relates to making payments with a mobile device. In one example process, the device receives first authentication data, such as fingerprint authentication information, and second authentication data, such as a bank authorization code. The device then transmits a transaction request for a payment transactions. In another example process, the device detects activation of a physical input mechanism and detects a fingerprint using a biometric sensor. The device is enabled to participate in NFC payment transactions. In another example process, the device displays a live preview of images obtained via a camera sensor while the device detects partial credit card information of a credit card in a field of view of the camera sensor.
Abstract translation: 本公开通常涉及使用移动设备进行支付。 在一个示例过程中，设备接收诸如指纹认证信息的第一认证数据和诸如银行授权码的第二认证数据。 然后，设备传送用于支付交易的交易请求。 在另一示例性过程中，设备检测物理输入机构的激活并使用生物测定传感器检测指纹。 该设备能够参与NFC支付交易。 在另一个示例过程中，当设备在相机传感器的视场中检测到信用卡的部分信用卡信息时，设备显示通过照相机传感器获得的图像的实时预览。
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公开(公告)号：US20240037533A1
公开(公告)日：2024-02-01
申请号：US18378627
申请日：2023-10-10
Applicant: Apple Inc.
Inventor： Najeeb M. ABDULRAHIMAN , Matthias LERCH , George R. DICKER , Oren M. ELRAD , Glen W. STEELE , Charles T. AHN , Onur E. TACKIN , Gordon Y. SCOTT
CPC classification number: G06Q20/3278 , G06Q20/3674 , G06Q20/405 , G06Q20/401 , G06Q20/3572 , G06Q20/322 , G06Q20/4014 , G06Q20/342
Abstract: A device implementing an express credential transaction system includes at least one processor configured to receive an indication that a payment applet for a service provider has been provisioned on a secure element of the device with a first attribute indicating that the payment applet can be utilized for a transaction without authentication associated with the transaction. The processor is configured to set the first attribute of the payment applet to indicate that authentication is required to utilize the payment applet when another payment applet for the service provider provisioned on the secure element of the device has an attribute that indicates the other payment applet can be utilized for the transaction without user authentication. The at least one processor is configured to control whether the user authentication is requested when utilizing the payment applet or the other payment applet, respectively, in transactions.
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公开(公告)号：US20230153899A1
公开(公告)日：2023-05-18
申请号：US18155628
申请日：2023-01-17
Applicant: Apple Inc.
Inventor： Marcel VAN OS , Jennifer J. BAILEY , Jae Woo CHANG , Teofila CONNOR , Jarad FISHER , Richard W. HEARD , Ashish NAGRE , Glen W. STEELE , Andrew I. WILLIAMS
IPC: G06Q40/02 , G06Q20/40 , G06Q20/10 , G06Q20/38 , G06F3/04845 , H04M3/00 , G06F3/0484
CPC classification number: G06Q40/02 , G06Q20/405 , G06Q20/401 , G06Q20/105 , G06Q20/38215 , G06F3/04845 , H04M3/00 , G06F3/0484 , G06F3/04817
Abstract: In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.
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公开(公告)号：US20220148027A1
公开(公告)日：2022-05-12
申请号：US17586235
申请日：2022-01-27
Applicant: Apple Inc.
Inventor： Marcel VAN OS , Donald W. PITSCHEL , Gregg SUZUKI , Lawrence Y. YANG , Peter D. ANTON , Glen W. STEELE , George R. DICKER
Abstract: The present disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using an electronic device with an electronic wallet. Various accounts are linked to the electronic device. In some examples, the electronic device is NFC-enabled. The electronic device may be used to provide loyalty account information and payment account information to a payment terminal, such as an NFC-enabled payment terminal.
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Patent Agency Ranking
公开(公告)号：US20220114658A1
公开(公告)日：2022-04-14
申请号：US17557655
申请日：2021-12-21
Applicant: Apple Inc.
Inventor： Marcel VAN OS , Jae Woo CHANG , Teofila CONNOR , Alan C. DYE , Jarad M. FISCHER , Corey FUGMAN , Richard W. HEARD , Mischa MCLACHLAN , Aaron MELIM , Ashish C. NAGRE , Glen W. STEELE
IPC: G06Q40/02 , G06Q20/40 , G06Q20/10 , G06Q20/38 , G06F3/04845 , H04M3/00 , G06F3/0484
Abstract: In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.
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公开(公告)号：US20210295282A1
公开(公告)日：2021-09-23
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
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.
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公开(公告)号：US20210027269A1
公开(公告)日：2021-01-28
申请号：US17037085
申请日：2020-09-29
Applicant: Apple Inc.
Inventor： Marcel VAN OS , Peter D. ANTON , Allison DRYER , Cas LEMMENS , Glen W. STEELE
Abstract: The present disclosure generally relates to user interfaces for managing peer-to-peer transfers. In some examples, a device provides user interfaces for initiating and managing transfers. In some examples, a device provides user interfaces corresponding to completed transfers. In some examples, a device provides user interfaces for providing visually distinguishable message object appearances based on message designation. In some examples, a device provides user interfaces for activating accounts for accepting and sending transfers. In some examples, a device provides user interfaces for exchanging accounts for use in a transfer. In some examples, a device provides user interfaces for splitting transfers between two or more accounts. In some examples, a device provides user interfaces for generating and displaying a transfers history list. In some examples, a device provides user interfaces for voice-activation of transfers. In some examples, a device provides visual or haptic feedback corresponding to a transfer operation.
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公开(公告)号：US20200211047A1
公开(公告)日：2020-07-02
申请号：US16814226
申请日：2020-03-10
Applicant: Apple Inc.
Inventor： Marcel VAN OS , Donald W. PITSCHEL , Gregg SUZUKI , Lawrence Y. YANG , Peter D. ANTON , Glen W. STEELE , George R. DICKER
Abstract: The present disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using an electronic device with an electronic wallet. Various accounts are linked to the electronic device. In some examples, the electronic device is NFC-enabled. The electronic device may be used to provide loyalty account information and payment account information to a payment terminal, such as an NFC-enabled payment terminal.
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公开(公告)号：US20180349886A1
公开(公告)日：2018-12-06
申请号：US15995995
申请日：2018-06-01
Applicant: Apple Inc.
Inventor： Scott D. BLAKESLEY , Benjamin D. CHESTER , Christopher SHARP , Glen W. STEELE , Pritesh M. DAVE , Yousuf H. VAID
CPC classification number: G06Q20/3672 , G06Q20/3227
Abstract: A device implementing notification based provisioning of card accounts may include at least one processor configured to receive, from a service provider, an indication of a card account of a user, and to determine whether the card account is eligible to be added to a first device of the user for use in a wireless transaction system. The at least one processor is further configured to, when the card account is determined to be eligible to be added to the first device, transmit a notification to the first device for display, the notification indicating that the card account is eligible to be added to the first device for use in the transaction system, and initiate provisioning, on a secure element of the first device, of an applet corresponding to the card account when an approval for adding the card account to the first device is received responsive to the notification.
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