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    SYSTEM AND METHOD FOR PAYMENTS USING BIOMETRIC AUTHENTICATION
    1.
    发明申请
    SYSTEM AND METHOD FOR PAYMENTS USING BIOMETRIC AUTHENTICATION 审中-公开

    公开(公告)号：US20190139040A1

    公开(公告)日：2019-05-09

    申请号：US16146706

    申请日：2018-09-28

    Applicant: Apple Inc.

    Inventor： Ahmer A. KHAN

    IPC: G06Q20/38 ,  G06Q20/32 ,  G06Q20/20 ,  G06Q20/40

    Abstract: In order to validate a user to facilitate conducting a high-valued financial transaction via wireless communication between an electronic device (such as a smartphone) and another electronic device (such as a point-of-sale terminal), the electronic device may authenticate the user prior to the onset of the high-valued financial transaction. In particular, a secure enclave processor in a processor may provide local validation information that is specific to the electronic device to a secure element in the electronic device when received local authentication information that is specific to the electronic device (such as a biometric identifier of the user) matches stored authentication information. Moreover, an authentication applet in the secure element may provide the local validation information to an activated payment applet in the secure element. This may enable the payment applet to conduct the high-valued financial transaction via wireless communication, such as near-field communication.

    CONTROLLED IDENTITY CREDENTIAL RELEASE
    2.
    发明公开
    CONTROLLED IDENTITY CREDENTIAL RELEASE 审中-公开

    公开(公告)号：US20240184879A1

    公开(公告)日：2024-06-06

    申请号：US18528764

    申请日：2023-12-04

    Applicant: Apple Inc.

    Inventor： Irene M. GRAFF ,  Ahmer A. KHAN ,  Christopher SHARP ,  Libor SYKORA ,  Lucia E. BALLARD ,  Rupamay SAHA

    IPC: G06F21/45 ,  H04L9/40 ,  H04W12/06

    CPC classification number: G06F21/45 ,  H04L63/0861 ,  H04W12/068 ,  G06F2221/2149

    Abstract: A device for controlled identity credential release may include at least one processor configured to receive a request to release an identity credential of a user, the identity credential being stored on the device. The at least one processor may be further configured to authenticate the user associated with the identity credential. The at least one processor may be further configured to, responsive to the authentication, provide at least a portion of the identity credential, such as for display and/or to a terminal device over a direct wireless connection. The at least one processor may be further configured to cause the electronic device to enter a locked state and/or to remain in a locked state, responsive to providing the at least the portion of the identity credential.

    CREDENTIAL PROVISIONING FOR AN ELECTRONIC DEVICE
    3.
    发明申请
    CREDENTIAL PROVISIONING FOR AN ELECTRONIC DEVICE 有权

    公开(公告)号：US20210174358A1

    公开(公告)日：2021-06-10

    申请号：US17093497

    申请日：2020-11-09

    Applicant: Apple Inc.

    Inventor： David T. HAGGERTY ,  George R. DICKER ,  Joakim LINDE ,  Ahmer A. KHAN ,  Timothy S. HURLEY

    IPC: G06Q20/38 ,  H04L29/06 ,  G06Q40/02 ,  G06Q20/32 ,  G06Q30/00 ,  G06Q20/34

    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.

    COUNTERSIGNING UPDATES FOR MULTI-CHIP DEVICES
    6.
    发明申请
    COUNTERSIGNING UPDATES FOR MULTI-CHIP DEVICES 审中-公开

    公开(公告)号：US20180082065A1

    公开(公告)日：2018-03-22

    申请号：US15588547

    申请日：2017-05-05

    Applicant: Apple Inc.

    Inventor： Peng LIU ,  Ahmer A. KHAN ,  Onur E. TACKIN ,  Oren M. ELRAD

    IPC: G06F21/57 ,  H04L29/06 ,  H04L9/32 ,  G06F9/44

    CPC classification number: G06F21/572 ,  H04L9/3247 ,  H04L63/0823 ,  H04L63/123

    Abstract: A device facilitating countersigning updates for multi-chip devices includes at least one processor configured to receive, from a collocated chip, a data item and a software update, the data item being signed using a private key corresponding to a primary entity associated with the collocated chip and the data item comprising an authentication code generated using a symmetric key corresponding to a secondary entity associated with the software update. At least one processor is further configured to verify the data item using a public key associated with the primary entity. At least one processor is further configured to verify the software update based at least in part on the authentication code and using the symmetric key corresponding to the primary entity. At least one processor is further configured to install the software update when both the data item and the software update are verified, otherwise discard the software update.

    MULTI-PATH COMMUNICATION OF ELECTRONIC DEVICE SECURE ELEMENT DATA FOR ONLINE PAYMENTS
    9.
    发明申请
    MULTI-PATH COMMUNICATION OF ELECTRONIC DEVICE SECURE ELEMENT DATA FOR ONLINE PAYMENTS 有权

    公开(公告)号：US20210150523A1

    公开(公告)日：2021-05-20

    申请号：US17135876

    申请日：2020-12-28

    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 ,  G06F21/45 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/12 ,  H04W12/069

    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.

    WIRELESS TERMINAL AUTHENTICATION
    10.
    发明申请
    WIRELESS TERMINAL AUTHENTICATION 审中-公开

    公开(公告)号：US20200186367A1

    公开(公告)日：2020-06-11

    申请号：US16708310

    申请日：2019-12-09

    Applicant: Apple Inc.

    Inventor： Xiangying YANG ,  Ahmer A. KHAN

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

    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.

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