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    Disabling mobile payments for lost electronic devices
    22.
    发明授权
    Disabling mobile payments for lost electronic devices 有权

    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.

    Wireless terminal authentication
    23.
    发明授权
    Wireless terminal authentication 有权

    公开(公告)号：US11546174B2

    公开(公告)日：2023-01-03

    申请号：US16708310

    申请日：2019-12-09

    Applicant: Apple Inc.

    Inventor： Xiangying Yang ,  Ahmer A. Khan

    IPC: H04L29/06 ,  H04L9/32 ,  H04L9/08 ,  G06F21/35 ,  H04W4/80 ,  H04L9/40 ,  H04L67/104 ,  G06F21/33

    Abstract: A device for wireless terminal authentication may include at least one processor configured to receive, from a wireless terminal device, a request for user information, the request comprising a certificate corresponding to the wireless terminal device. The at least one processor may be further configured to verify the certificate based at least in part on a public key stored on the electronic device. The at least one processor may be further configured to, when the certificate is verified, determine whether the certificate indicates that the wireless terminal device is authorized to receive the requested user information. The at least one processor may be further configured to transmit, to the wireless terminal device, the requested user information when the certificate indicates that the wireless terminal device is authorized to receive the requested user information.

    Apparatuses and methods for operating a portable electronic device to conduct mobile payment transactions
    25.
    发明授权
    Apparatuses and methods for operating a portable electronic device to conduct mobile payment transactions 有权

    公开(公告)号：US10977642B2

    公开(公告)日：2021-04-13

    申请号：US16394452

    申请日：2019-04-25

    Applicant: Apple Inc.

    Inventor： Ahmer A. Khan ,  Gregory B. Novick ,  Jerrold V. Hauck ,  Saket R. Vora ,  Yehonatan Perez

    IPC: G06Q20/32 ,  G06Q20/38 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q20/36

    Abstract: Methods for operating a portable electronic device to conduct a mobile payment transaction at a merchant terminal are provided. The electronic device may verify that the current user of the device is indeed the authorized owner by requiring the current user to enter a passcode. If the user is able to provide the correct passcode, the device is only partly ready to conduct a mobile payment. In order for the user to fully activate the payment function, the user may have to supply a predetermined payment activation input such as a double button press that notifies the device that the user intends to perform a financial transaction in the immediate future. The device may subsequently activate a payment applet for a predetermined period of time during which the user may hold the device within a field of the merchant terminal to complete a near field communications based mobile payment transaction.

    Apparatuses and Methods for Using a Random Authorization Number to Provide Enhanced Security for a Secure Element
    30.
    发明申请
    Apparatuses and Methods for Using a Random Authorization Number to Provide Enhanced Security for a Secure Element 审中-公开
    使用随机授权号码为安全元素提供增强安全性的设备和方法

    公开(公告)号：US20150348022A1

    公开(公告)日：2015-12-03

    申请号：US14475375

    申请日：2014-09-02

    Applicant: Apple Inc.

    Inventor： Ahmer A. Khan ,  Jerrold V. Hauck ,  George R. Dicker ,  Jeffrey C. Lee ,  Mitchell D. Adler ,  Wade Benson

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

    CPC classification number: G06Q20/385 ,  G06Q20/3226 ,  G06Q20/354 ,  G06Q20/3829

    Abstract: A system for provisioning credentials onto an electronic device is provided. The system may include a payment network subsystem, a service provider subsystem, and one or more user devices that can be used to perform mobile transactions at a merchant terminal. The user device may communicate with the service provider subsystem in order to obtained commerce credentials from the payment network subsystem. The user device may include a secure element and a corresponding trusted processor. The trusted processor may generate a random authorization number and inject that number into the secure element. Mobile payments should only be completed if the random authorization number on the secure element matches the random authorization number at the trusted processor. The trusted processor may be configured to efface the previous random authorization number and generate a new random authorization number when detecting a potential change in ownership at the user device.

    Abstract translation: 提供了一种用于将凭证提供到电子设备上的系统。 系统可以包括支付网络子系统，服务提供商子系统以及可以用于在商家终端执行移动交易的一个或多个用户设备。 用户设备可以与服务提供商子系统通信，以便从支付网络子系统获得商业凭证。 用户设备可以包括安全元件和相应的可信处理器。 可信处理器可以生成随机授权号，并将该号码注入到安全元件中。 仅当安全元素上的随机授权号码与可信处理器上的随机授权号码匹配时，才应完成移动支付。 信任处理器可以被配置为在检测用户设备的所有权的潜在变化时消除先前的随机授权号码并生成新的随机授权号码。

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