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    Financial-transaction notifications
    23.
    发明授权
    Financial-transaction notifications 有权
    金融交易通知

    公开(公告)号：US09424568B2

    公开(公告)日：2016-08-23

    申请号：US14474754

    申请日：2014-09-02

    Applicant: Apple Inc.

    Inventor： Ahmer A. Khan ,  Zachary A. Rosen ,  Joakim Linde

    IPC: G06K5/00 ,  G06Q20/32 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/04 ,  G06Q20/20 ,  G06Q20/42

    CPC classification number: G06Q20/325 ,  G06Q20/0453 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/322 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/36 ,  G06Q20/3821 ,  G06Q20/385 ,  G06Q20/425

    Abstract: To facilitate conducting a financial transaction via wireless communication between a portable electronic device (such as a smartphone) and another electronic device (such as a point-of-sale terminal), the portable electronic device may, after a final command is received from the other electronic device, determine a unique transaction identifier for the financial transaction. In particular, the final command may be specific to a payment applet, stored in a secure element in the portable electronic device, which conducts the financial transaction. The secure element may generate the unique transaction identifier based on financial-account information associated with the payment applet, which is communicated to the other electronic device. Moreover, the financial-account information may specify a financial account that is used to pay for the financial transaction. Next, the secure element may provide, to a processor in the portable electronic device, an end message for the financial transaction with the unique transaction identifier.

    Abstract translation: 为了便于通过便携式电子设备（例如智能电话）和另一电子设备（例如销售点终端）之间的无线通信进行金融交易，便携式电子设备可以在从 其他电子设备，确定金融交易的唯一交易标识符。 特别地，最终命令可以特定于存储在便携式电子设备中的执行金融交易的安全元件中的支付小应用程序。 安全元件可以基于与支付小应用程序相关联的财务帐户信息来生成唯一的交易标识符，该信息被传送到另一个电子设备。 此外，金融账户信息可以指定用于支付金融交易的金融账户。 接下来，安全元件可以向便携式电子设备中的处理器提供具有唯一事务标识符的用于金融交易的结束消息。

    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。

    Value added services polling
    26.
    发明授权
    Value added services polling 有权

    公开(公告)号：US11373168B2

    公开(公告)日：2022-06-28

    申请号：US15170724

    申请日：2016-06-01

    Applicant: Apple Inc.

    Inventor： Ahmer Ali Khan ,  Brian J. Tucker ,  Ho Cheung Chung ,  Joakim Linde ,  Zachary A. Rosen ,  Gordon Y. Scott

    IPC: G06Q30/00 ,  G06Q20/34 ,  G06Q20/20 ,  G06Q30/02 ,  G06Q20/32

    Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for transmitting, as part of a polling loop, a value added services (VAS) command that includes capability data corresponding to a payment terminal. For example, the payment terminal can transmit a VAS command that advertises the payment terminal's capabilities as part of a polling loop. The payment terminal can listen for a response to the VAS command and, after receiving a response, the payment terminal may initiate a VAS protocol. The VAS command can also specify a mode in which the payment terminal is operating, such as a payment-only mode, a VAS mode, a payment-plus-VAS mode, etc.

    Apparatuses and methods for using a primary user device to provision credentials onto a secondary user device
    27.
    发明授权
    Apparatuses and methods for using a primary user device to provision credentials onto a secondary user device 有权

    公开(公告)号：US11017384B2

    公开(公告)日：2021-05-25

    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 ,  G06Q20/36 ,  G06Q20/34 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/12

    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.

    User device enabling access to payment information in response to mechanical input detection
    28.
    发明授权
    User device enabling access to payment information in response to mechanical input detection 有权

    公开(公告)号：US10223682B2

    公开(公告)日：2019-03-05

    申请号：US15186114

    申请日：2016-06-17

    Applicant: Apple Inc.

    Inventor： Jeremy T. Brown ,  Zachary A. Rosen ,  Morgan J. Grainger

    IPC: G06F19/00 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/36 ,  G06Q20/34 ,  G06Q20/40 ,  G07F7/08 ,  G06K7/10

    Abstract: In certain embodiments, an electronic device can include a secure element that detects a mechanical input. The mechanical input can correspond to an instruction to transmit securely stored payment information to another device and/or to release such information to an application on the device (e.g., for use in an in-app commerce transaction). This feature can inhibit or prevent unauthorized transmission of payment information. When the mechanical input is detected, payment information can be transmitted to a point of sale (POS) terminal (e.g., via near-field communication) or released to an app on the device. Further, a user can either use default payment information or interact with the device (before or after providing the mechanical input) to select appropriate payment information for a transaction. For example, the user can select between credit cards, debit cards and/or stored-value cards (e.g., transit card).

    SECURE TRANSACTION NOTIFICATIONS AND RECEIPTS
    29.
    发明申请
    SECURE TRANSACTION NOTIFICATIONS AND RECEIPTS 审中-公开

    公开(公告)号：US20190026721A1

    公开(公告)日：2019-01-24

    申请号：US16140214

    申请日：2018-09-24

    Applicant: Apple Inc.

    Inventor： Ahmer A. Khan ,  Zachary A. Rosen ,  Joakim Linde

    IPC: G06Q20/32 ,  G06Q20/10 ,  G06Q20/42 ,  G06Q20/38 ,  G06Q20/20 ,  G06Q20/04 ,  G06Q20/36

    Abstract: To facilitate conducting a secure transaction via wireless communication between a portable electronic device (such as a smartphone) and another electronic device (such as a point-of-sale terminal), the portable electronic device may, after a final command is received from the other electronic device, determine a unique transaction identifier for the secure transaction. In particular, the final command may be specific to an applet, stored in a secure element in the portable electronic device, which conducts the secure transaction. The secure element may generate the unique transaction identifier based on financial-account information associated with the applet, which is communicated to the other electronic device. Next, the secure element may provide, to a processor in the portable electronic device, an end message for the secure transaction with the unique transaction identifier.

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