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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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42.发明授权公开(公告)号：US08966262B2
公开(公告)日：2015-02-24
申请号：US14049185
申请日：2013-10-08
Applicant: Apple Inc.
Inventor： Stephan V. Schell , Arun G. Mathias , Jerrold Von Hauck , David T. Haggerty , Kevin McLaughlin , Ben-Heng Juang , Li Li
CPC classification number: H04W12/06 , G06F21/45 , G06F21/57 , H04L63/08 , H04L63/0853 , H04L63/123 , H04L63/20 , H04L67/34 , H04W4/50 , H04W4/60 , H04W8/205 , H04W12/04 , H04W12/08
Abstract: Methods and apparatus enabling programming of electronic identification information of a wireless apparatus. In one embodiment, a previously purchased or deployed wireless apparatus is activated by a cellular network. The wireless apparatus connects to the cellular network using an access module to download operating system components and/or access control client components. The described methods and apparatus enable updates, additions and replacement of various components including Electronic Subscriber Identity Module (eSIM) data, OS components. One exemplary implementation of the invention utilizes a trusted key exchange between the device and the cellular network to maintain security.
Abstract translation: 能够对无线装置的电子识别信息进行编程的方法和装置。 在一个实施例中，先前购买或部署的无线设备由蜂窝网络激活。 无线设备使用访问模块连接到蜂窝网络，以下载操作系统组件和/或访问控制客户端组件。 所描述的方法和装置能够更新，添加和替换各种组件，包括电子订户身份模块（eSIM）数据，OS组件。 本发明的一个示例性实施方式利用设备和蜂窝网络之间的可信密钥交换来维护安全性。
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43.发明申请METHOD TO SEND PAYMENT DATA THROUGH VARIOUS AIR INTERFACES WITHOUT COMPROMISING USER DATA 审中-公开通过各种空气界面发送支付数据的方法，而不会影响用户数据公开(公告)号：US20140019367A1
公开(公告)日：2014-01-16
申请号：US13631838
申请日：2012-09-28
Applicant: APPLE INC.
Inventor： Ahmer A. KHAN , Brian J. Tucker , David T. Haggerty , Scott M. Herz
CPC classification number: G06Q30/06 , G06Q20/204 , G06Q20/322 , G06Q20/3227 , G06Q20/3278 , G06Q20/3829 , G06Q20/425 , G06Q30/02
Abstract: A commercial transaction method is disclosed. The method first establishes a secure link over a first air interface by a purchasing device. This secure link is between the purchasing device and a point of sale device. The method further identifies a second air interface, which is different from the first air interface, and the second air interface is used to conduct a secure commercial transaction.
Abstract translation: 公开了商业交易方法。 该方法首先通过购买设备在第一空中接口上建立安全链路。 此安全链接位于采购设备和销售点设备之间。 该方法还识别与第一空中接口不同的第二空中接口，并且第二空中接口用于进行安全商业交易。
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公开(公告)号：US20230394464A1
公开(公告)日：2023-12-07
申请号：US18234984
申请日：2023-08-17
Applicant: Apple Inc.
Inventor： Aaron M. Melim , Christine A. Franco , Glen W. Steele , Mischa K. McLachlan , Michael Artemiw , Ashish C. Nagre , David T. Haggerty , Fadi S. Obeid , Katie M. McIndoe , Richard W. Heard , Rima Kakarla , Akila Suresh , Jarad M. Fisher
CPC classification number: G06Q20/343 , G06Q20/389 , G06Q20/24
Abstract: The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health—at least as it pertains to a credit account for which the statement was issued.
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公开(公告)号：US11810100B2
公开(公告)日：2023-11-07
申请号：US17828954
申请日：2022-05-31
Applicant: Apple Inc.
Inventor： Michael Artemiw , Aaron M. Melim , Ashish C. Nagre , Christine A. Franco , David T. Haggerty , Fadi S. Obeid , Glen W. Steele , Katie M. McIndoe , Mischa K. McLachlan , Richard W. Heard , Rima Kakarla , Akila Suresh , Jarad M. Fisher
CPC classification number: G06Q20/343 , G06Q20/24 , G06Q20/389
Abstract: The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health—at least as it pertains to a credit account for which the statement was issued.
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Patent Agency Ranking
公开(公告)号：US11348092B2
公开(公告)日：2022-05-31
申请号：US16827202
申请日：2020-03-23
Applicant: Apple Inc.
Inventor： Michael Artemiw , Aaron M. Melim , Ashish C. Nagre , Christine A. Franco , David T. Haggerty , Fadi S. Obeid , Glen W. Steele , Katie M. McIndoe , Mischa K. McLachlan , Richard W. Heard , Rima Kakarla , Akila Suresh , Jarad M. Fisher
Abstract: The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health—at least as it pertains to a credit account for which the statement was issued.
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公开(公告)号：US11042846B2
公开(公告)日：2021-06-22
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
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.
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公开(公告)号：US11037131B2
公开(公告)日：2021-06-15
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
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.
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公开(公告)号：US10985926B2
公开(公告)日：2021-04-20
申请号：US16117642
申请日：2018-08-30
Applicant: Apple Inc.
Inventor： Xiangying Yang , Avinash Narasimhan , Li Li , David I. Ahn , Jean-Marc Padova , Clark P. Mueller , David T. Haggerty
Abstract: Embodiments provided herein identify a certificate issuer (CI) to be relied on as a trusted third party by an electronic subscriber identity module (eSIM) server in remote SIM provisioning (RSP) transactions with an embedded universal integrated circuit card (eUICC). In an RSP ecosystem, multiple CIs may exist. Parties rely on public key infrastructure (PKI) techniques for establishment of trust. Trust may be established based on a trusted third party such as a CI. Parties need to agree on the CI in order for some PKI techniques to be useful. Embodiments provided herein describe approaches for an eUICC and an eSIM server to arrive at an agreed-on CI. Candidate or negotiated CIs may be indicated on a public key identifier (PKID) list. A PKID list is distributed, in some embodiments, by means of a discovery server, via an activation code (AC) and/or during the establishment of a profile provisioning session.
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公开(公告)号：US20210042780A1
公开(公告)日：2021-02-11
申请号：US16944976
申请日：2020-07-31
Applicant: Apple Inc.
Inventor： Akila Suresh , Corey G. Fugman , David T. Haggerty , Eduardo H. Cue , Jarad M. Fisher , Ashish Nagre , Richard Heard
Abstract: The present technology provides a technological infrastructure that overcomes common problems associated with cash back rewards cards. The present invention integrates a credit card account with cash account through an electronic wallet application such that cash can be transferred directly into a user's cash account after each transaction which cash back is earned. In some embodiments, the user's cash account and a cash account associated with a business associated with a credit card can be provided by the same financial institution. The above infrastructure further allows for more efficient payment of a credit card balance, wherein when cash is transferred from the user's cash account to the business' cash account in association with a credit card balance, an immediate release of open to buy funds is affected.
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