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    MULTI-PATH COMMUNICATION OF ELECTRONIC DEVICE SECURE ELEMENT DATA FOR ONLINE PAYMENTS
    3.
    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
    4.
    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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