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    CONDUCTING TRANSACTIONS USING ELECTRONIC DEVICES WITH NON-NATIVE CREDENTIALS
    21.
    发明申请
    CONDUCTING TRANSACTIONS USING ELECTRONIC DEVICES WITH NON-NATIVE CREDENTIALS 审中-公开

    公开(公告)号：US20170213212A1

    公开(公告)日：2017-07-27

    申请号：US15415679

    申请日：2017-01-25

    Applicant: Apple Inc.

    Inventor： George R. Dicker ,  Nicholas J. Shearer

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

    CPC classification number: G06Q20/3829 ,  G06Q20/10 ,  G06Q20/3223 ,  G06Q20/3278 ,  G06Q20/3821 ,  G06Q20/401 ,  G06Q2220/00

    Abstract: Systems, methods, and computer-readable media for conducting a transaction using an electronic device with a non-native credential are provided. In one embodiment, a client electronic device in a system including a credential subsystem, a processing subsystem, and a host electronic device may include an online communications component and a processor that accesses, from the processing subsystem, potential transaction data indicative of a transaction, communicates, to the host electronic device using the online communications component, credential request data based on the potential transaction data, receives, from the host electronic device using the online communications component, host credential data based on the credential request data, and communicates, to the processing subsystem, the host credential data, wherein the host credential data is operative to access funds or other suitable enabling elements from the credential subsystem for funding at least a portion of the transaction. Additional embodiments are also provided.

    User interface for payments
    23.
    发明授权
    User interface for payments 有权
    付款用户界面

    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。

    Apparatuses and Methods for Using a Primary User Device to Provision Credentials onto a Secondary User Device
    24.
    发明申请
    Apparatuses and Methods for Using a Primary User Device to Provision Credentials onto a Secondary User Device 审中-公开
    使用主用户设备将凭据提供到次用户设备上的设备和方法

    公开(公告)号：US20150348025A1

    公开(公告)日：2015-12-03

    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

    IPC: G06Q20/38 ,  G06Q20/34 ,  G06Q20/36

    CPC classification number: G06Q20/3821 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/351 ,  G06Q20/354 ,  G06Q20/367

    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.

    Abstract translation: 提供了一种用于将凭证提供到电子设备上的系统。 系统可以包括支付网络子系统，服务提供者子系统，主用户设备和辅助用户设备。 用户可以通过在主用户设备处提供输入来选择特定的支付卡来提供到次用户设备上。 运行在服务提供商子系统上的代理模块然后可以将禁用的传递传送到次用户设备。 同时，支付网络子系统可以指示服务提供商子系统上的可信服务管理器模块将凭证信息写入次用户设备内的安全元件。 一旦安全元件被更新，代理模块可以向次要用户设备提供激活的通过，使得辅助用户设备可以用于在商家终端上执行基于NFC的金融交易。

    ELECTRONIC RECEIPTS FOR NFC-BASED FINANCIAL TRANSACTIONS
    25.
    发明申请
    ELECTRONIC RECEIPTS FOR NFC-BASED FINANCIAL TRANSACTIONS 审中-公开
    基于NFC的金融交易的电子收款

    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。

    Generating transaction identifiers
    26.
    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.

    Conducting transactions using electronic devices with non-native credentials
    27.
    发明授权
    Conducting transactions using electronic devices with non-native credentials 有权

    公开(公告)号：US12073394B2

    公开(公告)日：2024-08-27

    申请号：US17836981

    申请日：2022-06-09

    Applicant: Apple Inc.

    Inventor： George R. Dicker ,  Nicholas J. Shearer

    IPC: G06Q30/00 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/40

    CPC classification number: G06Q20/3829 ,  G06Q20/10 ,  G06Q20/3223 ,  G06Q20/3278 ,  G06Q20/3821 ,  G06Q20/401 ,  G06Q20/4015 ,  G06Q2220/00

    Abstract: Systems, methods, and computer-readable media for conducting a transaction using an electronic device with a non-native credential are provided. In one embodiment, a client electronic device in a system including a credential subsystem, a processing subsystem, and a host electronic device may include an online communications component and a processor that accesses, from the processing subsystem, potential transaction data indicative of a transaction, communicates, to the host electronic device using the online communications component, credential request data based on the potential transaction data, receives, from the host electronic device using the online communications component, host credential data based on the credential request data, and communicates, to the processing subsystem, the host credential data, wherein the host credential data is operative to access funds or other suitable enabling elements from the credential subsystem for funding at least a portion of the transaction. Additional embodiments are also provided.

    Disabling mobile payments for lost electronic devices
    29.
    发明授权
    Disabling mobile payments for lost electronic devices 有权

    公开(公告)号：US11580518B2

    公开(公告)日：2023-02-14

    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

    IPC: G06Q20/32 ,  G06Q20/40 ,  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.

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