公开(公告)号：US20170011395A1

公开(公告)日：2017-01-12

申请号：US15274841

申请日：2016-09-23

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 ,  G06Q20/32 ,  H04L9/08

CPC classification number: G06Q20/3829 ,  G06Q20/12 ,  G06Q20/3227 ,  G06Q20/325 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/3823 ,  G06Q20/40 ,  G06Q2220/00 ,  H04L9/0861 ,  H04L2209/24

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.

Abstract translation: 提供了用于在多个路径上传送电子设备安全元件数据以用于在线支付的系统，方法和计算机可读介质。 在一个示例实施例中，一种方法尤其包括在商业实体子系统处，从电子设备接收设备交易数据，该交易数据包括在电子设备上指示支付凭证的凭证数据，用于资助与商家子系统的交易， 访问交易标识符，基于包括所访问的交易标识符的交易密钥数据导出交易密钥，向所述商家子系统和所述电子设备之一发送包括所述证书数据的第一部分和所访问的交易的商家支付数据 标识符和共享，与使用交易密钥的金融机构子系统相结合，商业支付数据包括不同于证书数据的第一部分的证书数据的第二部分。 还提供了另外的实施例。

公开(公告)号：US11941620B2

公开(公告)日：2024-03-26

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 ,  G06Q20/12 ,  G06Q20/32 ,  G06Q20/40 ,  H04W12/069

CPC classification number: G06Q20/3829 ,  G06F21/45 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q20/3226 ,  G06Q20/3227 ,  G06Q20/325 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/3823 ,  G06Q20/40 ,  G06Q20/4016 ,  H04W12/069 ,  G06Q2220/00

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.

公开(公告)号：US11748746B2

公开(公告)日：2023-09-05

申请号：US15274841

申请日：2016-09-23

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 ,  H04L9/08 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/12

CPC classification number: G06Q20/3829 ,  G06Q20/12 ,  G06Q20/325 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/3823 ,  G06Q20/40 ,  H04L9/0861 ,  G06Q2220/00 ,  H04L2209/24

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.

公开(公告)号：US20170103388A1

公开(公告)日：2017-04-13

申请号：US15274929

申请日：2016-09-23

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 ,  G06Q20/10 ,  H04W12/06 ,  G06Q20/40 ,  H04W4/02 ,  G06F21/45 ,  G06Q20/32

CPC classification number: G06Q20/3829 ,  G06F21/45 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q20/3226 ,  G06Q20/3227 ,  G06Q20/325 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/3823 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q2220/00 ,  H04W12/06

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.