公开(公告)号：US20240330921A1

公开(公告)日：2024-10-03

申请号：US18226746

申请日：2023-07-26

Applicant: Apple Inc.

Inventor： Abde N. FARUQUI

IPC: G06Q20/40

CPC classification number: G06Q20/40

Abstract: The subject system may be implemented by a processor circuit configured to receive a payment credential request from a user device, wherein the payment credential request comprises a requested amount and indicates a product type, provision, in response to the payment credential request and based at least in part on the product type, a payment credential and a payment account corresponding to the payment credential, wherein the payment account is associated with a balance corresponding to the requested amount, receive, from a merchant system, an indication of an authorization amount and the payment credential, authorize, based at least in part on the balance associated with the payment account, payment of the authorization amount to the merchant system, in response to receiving the indication, and update the balance associated with the payment account based at least in part on the authorization amount, in response to authorizing the payment.

公开(公告)号：US20250111378A1

公开(公告)日：2025-04-03

申请号：US18783397

申请日：2024-07-24

Applicant: Apple Inc.

Inventor： Rohit SURESH ,  Abde N. FARUQUI ,  Caroline TEICHER ,  Frank A. VAN DEN BERG ,  Rahul SARNA ,  Richard W. HEARD ,  Shashidhar SHENOY ,  Yousuf H. VAID

IPC: G06Q20/40

Abstract: An electronic device may provide a credential to another electronic device. The credential may allow the other electronic device to perform a transaction. In some instances, the electronic devices may be in proximity to each other, and the proximity may be used to authorize use of the credential on the other device. Further, a user of the electronic device that provides the credential may set one or more conditions on the use of credential by the other device.

公开(公告)号：US20250111368A1

公开(公告)日：2025-04-03

申请号：US18783399

申请日：2024-07-24

Applicant: Apple Inc.

Inventor： Rohit SURESH ,  Abde N. FARUQUI ,  Caroline TEICHER ,  Frank A. VAN DEN BERG ,  Rahul SARNA ,  Richard W. HEARD ,  Shashidhar SHENOY ,  Yousuf H. VAID

IPC: G06Q20/40

Abstract: An electronic device may provide a credential to another electronic device. The credential may allow the other electronic device to perform a transaction. In some instances, the electronic devices may be in proximity to each other, and the proximity may be used to authorize use of the credential on the other device. Further, a user of the electronic device that provides the credential may set one or more conditions on the use of credential by the other device.

公开(公告)号：US20240330920A1

公开(公告)日：2024-10-03

申请号：US18224563

申请日：2023-07-20

Applicant: Apple Inc.

Inventor： Abde N. FARUQUI

IPC: G06Q20/40 ,  G06Q20/24 ,  G06Q20/38

CPC classification number: G06Q20/40 ,  G06Q20/24 ,  G06Q20/3821 ,  G06Q2220/00

Abstract: The subject system may be implemented by a processor circuit configured to receive a payment credential request, wherein the payment credential request comprises a requested amount, provision, in response to the payment credential request, a payment credential and a payment account corresponding to the payment credential, wherein the payment account is associated with a balance corresponding to the requested amount, receive, from a merchant system, an authorization request of a transaction for an authorization amount, wherein the authorization request comprises the payment credential and a merchant identifier of the merchant system, authorize the authorization amount when the authorization amount is less than or equal to the requested amount, and when the authorization amount exceeds the requested amount by a threshold amount, authorize the authorization amount based at least in part on the merchant identifier.