公开(公告)号：US11580518B2

公开(公告)日：2023-02-14

申请号：US14474773

申请日：2014-09-02

Applicant: Apple Inc.

Inventor： David T. Haggerty ,  George R. Dicker ,  Ahmer A. Khan ,  Christopher B. Sharp ,  Timothy S. Hurley ,  Vineet Chadha

IPC: G06Q20/32 ,  G06Q20/40 ,  H04W8/22

Abstract: If a user loses an electronic device that has the capability to conduct financial transactions, the user may report that the electronic device is lost using a lost-device software application to a management electronic device associated with a provider of the electronic device. In response to receiving this information, a disabling command is sent to a payment network associated with the financial account of the user to temporarily disable use of the electronic device to conduct the financial transactions. In particular, the electronic device may include a secure element that stores a payment applet for a financial account, and the disabling command may disable a mapping from a virtual identifier for the financial account to a financial primary account number. Subsequently, if the user finds the electronic device, the user may re-enable the capability (and, thus, the mapping) by providing authentication information to the electronic device.

公开(公告)号：US10863307B2

公开(公告)日：2020-12-08

申请号：US16450993

申请日：2019-06-24

Applicant: Apple Inc.

Inventor： Raghu Pai ,  Timothy S. Hurley ,  Patrice Olivier Gautier ,  Karthik Narayanan ,  Murthy Parthasarathi ,  Maxime Veron

IPC: H04W64/00 ,  H04W4/02 ,  G01S5/00 ,  H04L29/06

Abstract: A system and method of locating “friends” having mobile devices connected to a network and associated with a user account is disclosed. The method includes sending a request to a mobile device, the mobile device determining its present geographic location and responding to the requestor with this information. This information may be in the form of a coordinate location such as a GPS location or it may be in the form of a name that the mobile device owner assigned to a particular area (e.g., “home”). Having this location information, a user is able to view the location of the friend that is associated with the mobile device.

公开(公告)号：US20160164950A1

公开(公告)日：2016-06-09

申请号：US15043225

申请日：2016-02-12

Applicant: Apple Inc.

Inventor： Timothy S. Hurley ,  Guido Neitzer ,  Joshua B. Dickens ,  John K. Herbold ,  Patrice O. Gautier

IPC: H04L29/08

CPC classification number: H04L67/06 ,  G06F17/30165 ,  H04L67/18 ,  H04L67/26 ,  H04L67/2814 ,  H04L67/2823 ,  H04L67/2857 ,  H04L67/303 ,  H04L67/306

Abstract: Techniques are provided for causing a file to be sent from a source device over a network to one or more destination devices. An intermediary receives a notification of a file and determines which destination device(s) are to retrieve the file. The intermediary may determine the destination device(s) based on one or more attributes of the file. The intermediary may cause the file to be stored in persistent storage that is maintained by a separate storage service. The intermediary may cause the file to be deleted after a particular period of time. The source device may send multiple versions of a file to the intermediary, which determines which destination device is to receive which version. The file may be a digital image and a destination device may be a device that displays a slideshow of digital images while the destination device receives the digital image over a network.

Abstract translation: 提供了用于使文件通过网络从源设备发送到一个或多个目的地设备的技术。 中介接收文件的通知，并确定哪个目标设备要检索文件。 中介可以基于文件的一个或多个属性来确定目的地设备。 中间人可能会将文件存储在由单独的存储服务维护的永久存储器中。 中介人可能会在特定时间段后删除该文件。 源设备可以向中介发送文件的多个版本，其确定哪个目的地设备要接收哪个版本。 该文件可以是数字图像，并且目的地设备可以是在目的地设备通过网络接收数字图像时显示数字图像的幻灯片的设备。

公开(公告)号：US20150095238A1

公开(公告)日：2015-04-02

申请号：US14481526

申请日：2014-09-09

Applicant: Apple Inc.

Inventor： Ahmer A. Khan ,  Timothy S. Hurley ,  Anton K. Diederich ,  George R. Dicker ,  Scott M. Herz ,  Christopher Sharp

IPC: G06Q20/38 ,  G06Q20/10

CPC classification number: G06Q20/325 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/3823 ,  G06Q20/3829 ,  G06Q20/40

Abstract: Systems, methods, and computer-readable media for securely conducting online payments with a secure element of an electronic device are provided. In one example embodiment, a method includes, inter alia, at an electronic device, generating first data that includes payment card data, generating second data by encrypting the first data and merchant information with a first key, transmitting to a commercial entity subsystem the generated second data, receiving third data that includes the first data encrypted with a second key that is associated with the merchant information, and transmitting the received third data to a merchant subsystem that is associated with the merchant information, where the first key is not accessible to the merchant subsystem, and where the second key is not accessible to the electronic device. Additional embodiments are also provided.

Abstract translation: 提供了使用电子设备的安全元件安全地进行在线支付的系统，方法和计算机可读介质。 在一个示例实施例中，一种方法尤其包括在电子设备上，生成包括支付卡数据的第一数据，通过用第一密钥加密第一数据和商家信息来生成第二数据，向商业实体子系统发送生成的 第二数据，接收包括用与所述商家信息相关联的第二密钥加密的第一数据的第三数据，以及将所接收的第三数据发送到与所述商家信息相关联的商户子系统，其中所述第一密钥不可访问 商业子系统，以及第二密钥不能被电子设备访问的地方。 还提供了另外的实施例。

公开(公告)号：US11687920B2

公开(公告)日：2023-06-27

申请号：US17843924

申请日：2022-06-17

Applicant: Apple Inc.

Inventor： David E. Brudnicki ,  Manoj K. Thulaseedharan Pillai ,  Rupa B. Vazirani ,  Sunil Nair ,  Timothy S. Hurley ,  Matthew W. Strampe ,  Anish Bhatt

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

CPC classification number: G06Q20/3821 ,  G06Q20/10 ,  G06Q20/3226 ,  G06Q20/3227 ,  G06Q20/385 ,  G06Q20/3829

Abstract: Systems, methods, and computer-readable media for facilitating a fund transfer between user accounts are provided.

公开(公告)号：US11488138B2

公开(公告)日：2022-11-01

申请号：US14503246

申请日：2014-09-30

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.

公开(公告)号：US11120442B2

公开(公告)日：2021-09-14

申请号：US14502109

申请日：2014-09-30

Applicant: Apple Inc.

Inventor： Timothy S. Hurley ,  Ahmer A. Khan ,  George R. Dicker ,  Christopher Sharp

IPC: G06Q20/40 ,  H04L29/06 ,  G06Q20/38 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/36

Abstract: Systems, methods, and computer-readable media for using an online resource to manage reloadable credentials on an electronic device are provided. In one example embodiment, a method, at an electronic device, includes, inter alia, receiving selection data via an online resource, where the selection data may be indicative of a particular credential applet stored on a secure element of the electronic device, in response to the receiving the selection data, accessing validation data from the particular credential applet on the secure element, transmitting initialization results comprising the accessed validation data to a remote subsystem associated with the online resource, in response to the transmitting, receiving reload data from the remote subsystem, and adjusting a balance of the particular credential applet based on the received reload data. Additional embodiments are also provided.

公开(公告)号：US10861090B2

公开(公告)日：2020-12-08

申请号：US14475273

申请日：2014-09-02

Applicant: Apple Inc.

Inventor： David T. Haggerty ,  George R. Dicker ,  Joakim Linde ,  Ahmer A. Khan ,  Timothy S. Hurley

IPC: G06Q20/32 ,  G06Q20/34 ,  G06Q40/02 ,  G06Q20/42 ,  H04L9/32 ,  G06F21/42

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.

公开(公告)号：US20170161716A1

公开(公告)日：2017-06-08

申请号：US14960279

申请日：2015-12-04

Applicant: Apple Inc.

Inventor： Timothy S. Hurley ,  David Brudnicki ,  Ahmer Khan ,  Manoj Thulaseedharan Pillai ,  Rupamay Saha ,  Lorraine Meere

IPC: G06Q20/32 ,  H04W4/04 ,  H04W4/20 ,  G06Q30/06

CPC classification number: G06Q20/3224 ,  G06Q20/322 ,  G06Q30/0641 ,  H04W4/023 ,  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.

公开(公告)号：US20170011395A1

公开(公告)日：2017-01-12

申请号：US15274841

申请日：2016-09-23

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 ,  G06Q20/32 ,  H04L9/08

CPC classification number: G06Q20/3829 ,  G06Q20/12 ,  G06Q20/3227 ,  G06Q20/325 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/3823 ,  G06Q20/40 ,  G06Q2220/00 ,  H04L9/0861 ,  H04L2209/24

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.

Abstract translation: 提供了用于在多个路径上传送电子设备安全元件数据以用于在线支付的系统，方法和计算机可读介质。 在一个示例实施例中，一种方法尤其包括在商业实体子系统处，从电子设备接收设备交易数据，该交易数据包括在电子设备上指示支付凭证的凭证数据，用于资助与商家子系统的交易， 访问交易标识符，基于包括所访问的交易标识符的交易密钥数据导出交易密钥，向所述商家子系统和所述电子设备之一发送包括所述证书数据的第一部分和所访问的交易的商家支付数据 标识符和共享，与使用交易密钥的金融机构子系统相结合，商业支付数据包括不同于证书数据的第一部分的证书数据的第二部分。 还提供了另外的实施例。