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公开(公告)号：US11348092B2
公开(公告)日：2022-05-31
申请号：US16827202
申请日：2020-03-23
Applicant: Apple Inc.
Inventor： Michael Artemiw , Aaron M. Melim , Ashish C. Nagre , Christine A. Franco , David T. Haggerty , Fadi S. Obeid , Glen W. Steele , Katie M. McIndoe , Mischa K. McLachlan , Richard W. Heard , Rima Kakarla , Akila Suresh , Jarad M. Fisher
Abstract: The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health—at least as it pertains to a credit account for which the statement was issued.
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公开(公告)号：US11321731B2
公开(公告)日：2022-05-03
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：US11321708B2
公开(公告)日：2022-05-03
申请号：US17000221
申请日：2020-08-21
Applicant: Apple Inc.
Inventor： Benjamin D. Chester , Glen W. Steele , Jeff W. Lin , Vineet Chadha
Abstract: A device implementing an inter-device credential transfer system may include at least one processor that is configured to receive a request to transfer a transaction credential from a first device to a second device, the transaction credential being associated with a stored monetary value and the request comprising a transaction credential identifier of the transaction credential. The at least one processor is further configured to prevent, responsive to the request, the transaction credential from being utilized for payment transactions by the first device. The at least one processor is further configured to provision an instance of the transaction credential on the second device. The at least one processor is further configured to cause the instance of the transaction credential to be activated on the second device with a balance corresponding to the stored monetary value associated with the transaction credential.
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公开(公告)号：US11042846B2
公开(公告)日：2021-06-22
申请号：US14475128
申请日：2014-09-02
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：US11037131B2
公开(公告)日：2021-06-15
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
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.
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Patent Agency Ranking
公开(公告)号：US10755270B2
公开(公告)日：2020-08-25
申请号：US15675626
申请日：2017-08-11
Applicant: Apple Inc.
Inventor： Benjamin D. Chester , Glen W. Steele , Jeff W. Lin , Vineet Chadha
Abstract: A device implementing an inter-device credential transfer system may include at least one processor that is configured to receive a request to transfer a transaction credential from a first device to a second device, the transaction credential being associated with a stored monetary value and the request comprising a transaction credential identifier of the transaction credential. The at least one processor is further configured to prevent, responsive to the request, the transaction credential from being utilized for payment transactions by the first device. The at least one processor is further configured to provision an instance of the transaction credential on the second device. The at least one processor is further configured to cause the instance of the transaction credential to be activated on the second device with a balance corresponding to the stored monetary value associated with the transaction credential.
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公开(公告)号：US10600068B2
公开(公告)日：2020-03-24
申请号：US14871635
申请日：2015-09-30
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：US20200036695A1
公开(公告)日：2020-01-30
申请号：US16436690
申请日：2019-06-10
Applicant: Apple Inc.
Inventor： Christopher Sharp , David T. Haggerty , George R. Dicker , Glen W. Steele , Matthew R. Murphy , Timothy S. Hurley
Abstract: Systems, methods, and computer-readable media for using an online resource to manage credentials on an electronic device are provided. In one example embodiment, a method, at an electronic device, includes, inter alia, receiving account data via an online resource, accessing commerce credential status data from a secure element of the electronic device, providing initial credential management option data via the online resource based on the received account data and based on the accessed commerce credential status data, in response to the providing, receiving a selection of an initial credential management option via the online resource, and changing the status of a credential on the secure element based on the received selection. Additional embodiments are also provided.
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公开(公告)号：US10440506B2
公开(公告)日：2019-10-08
申请号：US16145746
申请日：2018-09-28
Applicant: Apple Inc.
Inventor： Eliza Block , George R. Dicker , Glen W. Steele
Abstract: Location-based ticket books are described. A mobile device can present a virtual ticket to a service provider based on a location of the mobile device. The mobile device can receive a virtual ticket for accessing a service from a service provider. The virtual ticket can be associated with a signal source. The signal source can be pre-programmed to broadcast a beacon signal that includes an identifier identifying the signal source. The signal source can be placed at a venue where the service is available. The mobile device, upon arriving at the venue, can detect the beacon signal from the signal source. In response, the mobile device can activate a ticket manager. The ticket manager can automatically select, from a ticket book, the virtual ticket associated with the signal source. The mobile device can present content of the selected virtual ticket at the venue where the service is available.
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公开(公告)号：US10104495B2
公开(公告)日：2018-10-16
申请号：US14871972
申请日：2015-09-30
Applicant: Apple Inc.
Inventor： Eliza Block , George R. Dicker , Glen W. Steele
Abstract: Location-based ticket books are described. A mobile device can be programmed to present a virtual ticket to a service provider based on a location of the mobile device. The mobile device can receive a virtual ticket for accessing a service from a service provider. The virtual ticket can be associated with a signal source. The signal source can be pre-programmed to broadcast a beacon signal that includes an identifier identifying the signal source. The signal source can be placed at a venue where the service is available. The mobile device, upon arriving at the venue, can detect the beacon signal from the signal source. In response, the mobile device can activate a ticket manager. The ticket manager can automatically select, from a ticket book, the virtual ticket associated with the signal source. The mobile device can present content of the selected virtual ticket at the venue where the service is available.
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