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公开(公告)号：US20150142644A1
公开(公告)日：2015-05-21
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
CPC classification number: G06Q20/3278 , G06Q20/02 , G06Q20/0453 , G06Q20/10 , G06Q20/327
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.
Abstract translation: 为了通过电子设备和另一电子设备之间的无线通信进行金融交易，电子设备中的安全元件从第三方接收与金融交易相关联的通知。 该第三方可能独立于金融交易中的交易对手，例如：电子设备的提供商或处理金融交易支付的支付网络。 响应于通知，安全元件从第三方请求与金融交易相关联的收据信息，然后从第三方接收收据信息。 该收据信息可以包括诸如付款状态的第一级信息。 或者或另外，收据信息可以包括第二级信息，诸如所购项目的逐项列表，到信息和/或折扣的链接。
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公开(公告)号：US12141266B2
公开(公告)日：2024-11-12
申请号：US16921283
申请日：2020-07-06
Applicant: Apple Inc.
Inventor： Benjamin D. Chester , Hubert Greiche , Richard W. Heard , Yousuf H. Vaid , Gianpaolo Fasoli
Abstract: Systems, methods, and computer-readable media for facilitating frictionless credential provisioning on a user computing device are provided. Special “frictionless tokens” (e.g. ownership tokens) may be generated for each existing credential in a user's digital wallet. Such tokens may be stored in a user's AE locker (e.g. iCloud keychain) and synchronized across the user's devices using any suitable security features (e.g. using any suitable secure enclave processor (“SEP”)-based encryption). Such a token, as may be stored in a device's SEP, may be configured only to be read on that physical device. In this manner, the user may no longer need provide further proof of ownership of a credential or be hassled by passing any other challenge, but, instead, the additional security may be achieved using the ownership token, which may use the user's AE or device passcode in association with the user's physical device (and its SEP).
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公开(公告)号：US20230096370A1
公开(公告)日：2023-03-30
申请号：US17952126
申请日：2022-09-23
Applicant: Apple Inc.
Inventor： Yousuf H. Vaid , Christopher Sharp , Matthew C. Byington , Sunil Nair
IPC: H04W12/06 , H04W12/033
Abstract: The present application relates to devices and components including apparatus, systems, and methods to share a credential for accessing a secured entity between an origination device and a recipient device. In some embodiments, the sharing may be cross platform where the recipient device executes a different platform than the origination device.
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公开(公告)号：US11068883B2
公开(公告)日：2021-07-20
申请号：US15482478
申请日：2017-04-07
Applicant: Apple Inc.
Inventor： David T. Haggerty , Ahmer A. Khan , Christopher B. Sharp , Jerrold Von Hauck , Joakim Linde , Kevin P. McLaughlin , Mehdi Ziat , Yousuf H. Vaid
Abstract: Methods and apparatus for the deployment of financial instruments and other assets are disclosed. In one embodiment, a security software protocol is disclosed that guarantees that the asset is always securely encrypted, that one and only one copy of an asset exists, and the asset is delivered to an authenticated and/or authorized customer. Additionally, exemplary embodiments of provisioning systems are disclosed that are capable of, among other things, handling large bursts of traffic (such as can occur on a so-called “launch day” of a device).
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公开(公告)号：US20170357936A1
公开(公告)日：2017-12-14
申请号：US15620305
申请日：2017-06-12
Applicant: Apple Inc.
Inventor： Matthew C. Byington , Christopher Sharp , Yousuf H. Vaid
CPC classification number: G06Q10/087 , G06Q20/3278 , G06Q20/382 , H04L9/085
Abstract: Systems, methods, and computer-readable media for managing secure transactions between electronic devices and service providers. In one embodiment, an administration entity system may receive device order data from an electronic device, wherein the received device order data is indicative of an order for an item of value of a service provider system to be stored on the electronic device, transmit administration order data to the service provider system based on the received device order data, wherein the administration order data is indicative of the order for the item of value, receive service provider fulfillment data from the service provider system based on the transmitted administration order data, wherein the service provider fulfillment data includes the item of value, and transmit administration fulfillment data to the electronic device based on the received service provider fulfillment data, wherein the administration fulfillment data includes the item of value.
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Patent Agency Ranking
公开(公告)号：US20160232521A1
公开(公告)日：2016-08-11
申请号：US15017419
申请日：2016-02-05
Applicant: Apple Inc.
Inventor： Christopher B. Sharp , Yousuf H. Vaid , Vineet Chadha , Matthew C. Byington , Bhaskar Korlipara
IPC: G06Q20/38
CPC classification number: G06Q20/3821 , G06Q20/02 , G06Q20/3224 , G06Q20/3229
Abstract: An electronic device may attempt to provision an unprovisioned credential, such as a payment instrument, by providing a message with information specifying the unprovisioned credential to a first computer. This first computer may be associated with a first region in which: a first provisioned credential of a user is supported, the user has registered, and the user can conduct transactions based on the first provisioned credential. However, the unprovisioned credential may be supported in or otherwise associated with a second region. Consequently, the electronic device may receive, from the first computer, redirect information that specifies a second computer associated with the second region. In response, the electronic device can provide the message to the second computer. Further, the electronic device can communicate provisioning information for the unprovisioned credential with the second computer, so the credential can be provisioned.
Abstract translation: 电子设备可以通过向第一计算机提供具有指定未提供的证书的信息的消息来尝试提供未提供的证书，例如支付工具。 该第一计算机可以与第一区域相关联，其中：支持用户的第一提供凭据，用户已经注册，并且用户可以基于第一提供凭证进行交易。 然而，未提供的凭证可能在第二个地区支持或以其他方式与第二个地区相关联。 因此，电子设备可以从第一计算机接收指定与第二区域相关联的第二计算机的重定向信息。 作为响应，电子设备可以向第二计算机提供消息。 此外，电子设备可以与第二计算机通信用于未配置凭证的供应信息，因此可以提供凭证。
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公开(公告)号：US20150142665A1
公开(公告)日：2015-05-21
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
CPC classification number: G06Q20/0453 , G06Q20/322 , G06Q20/385
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.
Abstract translation: 为了通过电子设备和另一电子设备之间的无线通信进行金融交易，电子设备基于传送到另一电子设备的金融账户信息确定用于金融交易的唯一交易标识符。 财务账户信息指定用于支付金融交易的金融账户。 此外，唯一交易标识符可能能够由与金融交易相关联的一个或多个其他实体（诸如金融交易中的交易对手或处理金融交易支付的支付网络）独立计算， 由便携式电子设备传送的帐户信息。 电子设备还可以将随后从第三方（例如支付网络）接收到的接收信息与金融交易相关联，通过将确定的唯一交易标识符与所计算的唯一交易标识符进行比较。
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18.发明申请公开(公告)号：US20140222688A1
公开(公告)日：2014-08-07
申请号：US14174791
申请日：2014-02-06
Applicant: APPLE INC.
Inventor： David T. Haggerty , Ahmer A. Khan , Christopher B. Sharp , Jerrold Von Hauck , Joakim Linde , Kevin P. McLaughlin , Mehdi Ziat , Yousuf H. Vaid
CPC classification number: G06Q20/36 , G06Q20/1235 , G06Q20/3227 , G06Q20/3552 , G06Q20/382
Abstract: Methods and apparatus for the deployment of financial instruments and other assets are disclosed. In one embodiment, a security software protocol is disclosed that guarantees that the asset is always securely encrypted, that one and only one copy of an asset exists, and the asset is delivered to an authenticated and/or authorized customer. Additionally, exemplary embodiments of provisioning systems are disclosed that are capable of, among other things, handling large bursts of traffic (such as can occur on a so-called “launch day” of a device).
Abstract translation: 披露部署金融工具和其他资产的方法和手段。 在一个实施例中，公开了一种安全软件协议，其保证资产始终被安全地加密，存在资产的仅一个和仅一个副本，并且该资产被传递给认证的和/或授权的客户。 此外，公开供应系统的示例性实施例，其能够处理大量业务突发（例如可能发生在设备的所谓“启动日”）。
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公开(公告)号：US12056672B2
公开(公告)日：2024-08-06
申请号：US17707924
申请日：2022-03-29
Applicant: Apple Inc.
Inventor： Matthew C. Byington , Yousuf H. Vaid , Jenna Yi , Christopher Sharp , Richard William Thomas Heard
CPC classification number: G06Q20/10 , G06Q20/385 , G06Q20/40
Abstract: A device implementing a user configurable direct transfer system may include at least one processor configured to receive, from an electronic device associated with a user account, a request to establish a type of transfer between a first account associated with an entity and a second account associated with the user account, the request including an entity identifier and a transfer type identifier. The at least one processor may be further configured to generate a transfer alias that is stored in association with the entity identifier, a second account identifier, and the transfer type identifier, and provide the transfer alias to the electronic device and a server associated with the entity to facilitate the type of transfer between the first account associated with the entity and the second account associated with the user account.
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公开(公告)号：US20230098097A1
公开(公告)日：2023-03-30
申请号：US17952118
申请日：2022-09-23
Applicant: Apple Inc.
Inventor： Yousuf H. Vaid , Christopher Sharp , Matthew C. Byington , Sunil Nair
IPC: H04L9/40
Abstract: The present application relates to devices and components including apparatus, systems, and methods to share a credential for accessing a secured entity between an origination device and a recipient device. In some embodiments, the sharing may be cross platform where the recipient device executes a different platform than the origination device.
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