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    INITIATION OF ONLINE PAYMENTS USING AN ELECTRONIC DEVICE IDENTIFIER
    2.
    发明申请
    INITIATION OF ONLINE PAYMENTS USING AN ELECTRONIC DEVICE IDENTIFIER 有权

    公开(公告)号：US20230018976A1

    公开(公告)日：2023-01-19

    申请号：US17953306

    申请日：2022-09-26

    Applicant: Apple Inc.

    Inventor： Timothy S. HURLEY

    IPC: G06Q20/32 ,  G06Q20/40 ,  G06Q20/38 ,  G06Q20/12 ,  G06Q20/10

    Abstract: Systems, methods, and computer-readable media for conducting payments are provided. In one example embodiment, a commercial entity system, in communication with a merchant subsystem and a payment electronic device, includes at least one processor component, at least one memory component, and at least one communications component, wherein the commercial entity system is configured to receive transaction request data from the merchant subsystem, wherein the transaction request data includes a payment device identifier of the payment electronic device and transaction information related to a transaction, transmit payment request data to the payment electronic device, wherein the payment request data includes at least a portion of the transaction information of the received transaction request data, receive payment card data from the payment electronic device based on the transmitted payment request data, and transmit at least a portion of the received payment card data to the merchant subsystem. Additional embodiments are also provided.

    CREDENTIAL PROVISIONING FOR AN ELECTRONIC DEVICE
    3.
    发明申请
    CREDENTIAL PROVISIONING FOR AN ELECTRONIC DEVICE 有权

    公开(公告)号：US20210174358A1

    公开(公告)日：2021-06-10

    申请号：US17093497

    申请日：2020-11-09

    Applicant: Apple Inc.

    Inventor： David T. HAGGERTY ,  George R. DICKER ,  Joakim LINDE ,  Ahmer A. KHAN ,  Timothy S. HURLEY

    IPC: G06Q20/38 ,  H04L29/06 ,  G06Q40/02 ,  G06Q20/32 ,  G06Q30/00 ,  G06Q20/34

    Abstract: Systems, methods, and computer-readable media for provisioning credentials on an electronic device are provided. In one example embodiment, a secure platform system may be in communication with an electronic device and a financial institution subsystem. The secure platform system may be configured to, inter alia, detect a selection of a particular commerce credential, access communication mechanism data indicative of at least one communication mechanism of the device, where the at least one mechanism is configured to receive a communication on the device, transmit information to the financial subsystem, where the information includes the mechanism data and the selection of the particular commerce credential, and instruct the financial subsystem to provision the particular commerce credential in a disabled state on the device and communicate credential enablement data to the device using a particular communication mechanism of the at least one communication mechanism indicated by the communication mechanism data.

    LOCATION-BASED GRAPHICAL USER INTERFACES
    5.
    发明申请
    LOCATION-BASED GRAPHICAL USER INTERFACES 有权

    公开(公告)号：US20220114575A1

    公开(公告)日：2022-04-14

    申请号：US17557785

    申请日：2021-12-21

    Applicant: Apple Inc.

    Inventor： Timothy S. HURLEY ,  David BRUDNICKI ,  Ahmer KHAN ,  Manoj Thulaseedharan PILLAI ,  Rupamay SAHA ,  Lorraine MEERE

    IPC: G06Q20/32 ,  G06Q30/06 ,  H04W4/02 ,  H04W4/21

    Abstract: In some implementations, a mobile device can receive identification information for a merchant store location. The mobile device can receive the identification information when the mobile device is proximate to the store location, for example. The mobile device can obtain graphical user interface (GUI) configuration data for the merchant store location based on the store location identification information. For example, the mobile device can obtain GUI content that has been customized for the merchant store location. The mobile device can configure a GUI of an application installed on the mobile device based on the obtained GUI configuration data. The mobile device can make the proximity application accessible to a user of the mobile device when the mobile device is near the store location.

    MULTI-PATH COMMUNICATION OF ELECTRONIC DEVICE SECURE ELEMENT DATA FOR ONLINE PAYMENTS
    7.
    发明申请
    MULTI-PATH COMMUNICATION OF ELECTRONIC DEVICE SECURE ELEMENT DATA FOR ONLINE PAYMENTS 有权

    公开(公告)号：US20210150523A1

    公开(公告)日：2021-05-20

    申请号：US17135876

    申请日：2020-12-28

    Applicant: Apple Inc.

    Inventor： Manoj K. Thulaseedharan PILLAI ,  Ahmer A. KHAN ,  Thomas ELLIOTT ,  Timothy S. HURLEY ,  Jennifer J. BAILEY ,  David E. BRUDNICKI

    IPC: G06Q20/38 ,  G06F21/45 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/12 ,  H04W12/069

    Abstract: Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data. Additional embodiments are also provided.

    MAKING ANONYMOUS PAYMENTS
    8.
    发明申请
    MAKING ANONYMOUS PAYMENTS 审中-公开

    公开(公告)号：US20180089660A1

    公开(公告)日：2018-03-29

    申请号：US15627285

    申请日：2017-06-19

    Applicant: APPLE INC.

    Inventor： Thomas ELLIOTT ,  Timothy S. HURLEY ,  Richard M. KRAKOWSKI ,  Richard D. EWING ,  Glen W. STEELE ,  Rupa B. VAZIRANI

    IPC: G06Q20/32 ,  G06Q20/22

    CPC classification number: G06Q20/322 ,  G06Q20/10 ,  G06Q20/223 ,  G06Q20/383

    Abstract: The systems and methods disclosed herein provide features that allow a user (e.g., sender) to make anonymous direct person-to-person payments to a recipient (e.g., another user). In some cases, the recipient may be someone that the sender of the payment does not know. Thus, the sender and/or recipient of the payment may wish to obfuscate (e.g., hide, obscure, etc.) at least a portion their respective identities. The sender and/or recipient can configure the system to provide a limited amount (e.g., some, or none) of personal information to the other party to the transaction. When the system processes the transaction, the configured amount of personal information can be shared with each party (e.g., sender, recipient) to the transaction so that each party can maintain a desired level of anonymity.

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