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    PERSON-TO-PERSON PAYMENTS USING ELECTRONIC DEVICES
    31.
    发明申请
    PERSON-TO-PERSON PAYMENTS USING ELECTRONIC DEVICES 审中-公开
    使用电子设备的个人到人员付款

    公开(公告)号：US20150186887A1

    公开(公告)日：2015-07-02

    申请号：US14502135

    申请日：2014-09-30

    Applicant: Apple Inc.

    Inventor： Ahmer A. Khan ,  Timothy S. Hurley

    IPC: G06Q20/40 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q20/38

    CPC classification number: G06Q20/32 ,  G06Q20/223 ,  G06Q20/3226 ,  G06Q20/3278 ,  G06Q20/3821

    Abstract: Using electronic devices (such as cellular telephones) that communicate wirelessly, two individuals can make person-to-person payments. In particular, an individual using an electronic device may identify another proximate electronic device of a counterparty in a financial transaction, and may provide an encrypted payment packet to the other electronic device that includes: a financial credential for a financial account of the individual, a payment amount, and a payment sign. When the other electronic device receives the encrypted payment applet, the counterparty may accept the payment in the financial transaction specified by the encrypted payment packet. Then, the other electronic device may provide the encrypted payment packet and another encrypted payment packet (with a financial credential for a financial account of the counterparty, the payment amount and the opposite payment sign) to a third party that completes the financial transaction.

    Abstract translation: 使用无线通信的电子设备（如蜂窝电话），两个人可以进行个人对人的付款。 特别地，使用电子设备的个人可以识别金融交易中对方方的另一邻近的电子设备，并且可以向另一电子设备提供加密的支付分组，其包括：用于个人的金融账户的财务凭证， 付款金额和付款标志。 当另一电子设备接收到加密的支付小程序时，对方可以接受由加密的支付分组指定的金融交易中的支付。 然后，另一个电子设备可以向完成金融交易的第三方提供加密的支付分组和另一个加密的支付分组（具有对方方的金融账户的财务凭证，支付金额和相反的支付符号）。

    INITIATION OF ONLINE PAYMENTS USING AN ELECTRONIC DEVICE IDENTIFIER
    32.
    发明申请
    INITIATION OF ONLINE PAYMENTS USING AN ELECTRONIC DEVICE IDENTIFIER 审中-公开
    使用电子设备识别器启动在线支付

    公开(公告)号：US20150095219A1

    公开(公告)日：2015-04-02

    申请号：US14503246

    申请日：2014-09-30

    Applicant: Apple Inc.

    Inventor： Timothy S. Hurley

    IPC: G06Q20/32

    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 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.

    Abstract translation: 提供了用于进行付款的系统，方法和计算机可读介质。 在一个示例实施例中，与商家子系统和支付电子设备通信的商业实体系统包括至少一个处理器组件，至少一个存储器组件和至少一个通信组件，其中商业实体系统被配置为 从所述商户子系统接收交易请求数据，其中所述交易请求数据包括所述支付电子设备的支付设备标识符和与交易相关的交易信息，向所述支付电子设备发送支付请求数据，其中所述支付请求数据至少包括 接收到的交易请求数据的交易信息的一部分，基于所发送的支付请求数据从支付电子设备接收支付卡数据，并将所接收的支付卡数据的至少一部分发送到商家子系统。 还提供了另外的实施例。

    Identifying and Locating Users on a Mobile Network
    36.
    发明申请
    Identifying and Locating Users on a Mobile Network 审中-公开

    公开(公告)号：US20200008010A1

    公开(公告)日：2020-01-02

    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: H04W4/02 ,  G01S5/00 ,  H04W64/00

    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.

    Credential modification notifications
    38.
    发明授权
    Credential modification notifications 有权

    公开(公告)号：US10218719B2

    公开(公告)日：2019-02-26

    申请号：US15271943

    申请日：2016-09-21

    Applicant: Apple Inc.

    Inventor： Timothy S. Hurley ,  David E. Brudnicki ,  Manoj K. Thulaseedharan Pillai

    IPC: H04L29/06 ,  G06F17/30 ,  H04W12/06 ,  G06Q20/36

    Abstract: Disclosed are systems and methods for providing protection against alteration of data, such as a credential, associated with a transaction. A first communication is received from a requesting system. The first communication includes a credential and corresponds to an indication that an extended-duration task is being initiated and a request to listen to a status of the credential. A device-listening data store is updated to associate the credential with an identifier associated with the requesting system. When an event is detected that indicates that the credential has been modified or cancelled, the device-listening data store is queried based on the credential. In response to the query, the identifier associated with the requesting device is received. A second communication is generated that corresponds to an alert that identifies a status of the credential as having been modified or cancelled. The second communication is transmitted to the requesting system.

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