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    PAYMENT HANDOFF SYSTEM
    3.
    发明申请
    PAYMENT HANDOFF SYSTEM 有权

    公开(公告)号：US20210406886A1

    公开(公告)日：2021-12-30

    申请号：US17473993

    申请日：2021-09-13

    Applicant: Apple Inc.

    Inventor： Bob BRADLEY ,  Marc J. KROCHMAL ,  William M. BUMGARNER ,  Vijay SUNDARAM ,  Margaret A. MOORE ,  Nicholas J. SHEARER ,  Brandon J. KIEFT

    IPC: G06Q20/40 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/08 ,  G06Q30/06

    Abstract: A device in a payment transaction handoff system may include at least one processor configured to receive a request to perform a payment transaction and identify, using a first communication protocol, a respective device identifier of each of a plurality of proximate devices. The at least one processor is configured to select, based at least in part on a payment factor, a default payment device from the plurality of proximate devices. The at least one processor is configured to transmit, via a second communication protocol, a message to perform the payment transaction, the message comprising the device identifier of the default payment device. In one or more implementations, a first device of the plurality of proximate devices may be associated with a first user account and a second device of the plurality of proximate devices may be associated with a second user account, different from the first user account.

    CONDUCTING TRANSACTIONS USING ELECTRONIC DEVICES WITH NON-NATIVE CREDENTIALS
    7.
    发明申请
    CONDUCTING TRANSACTIONS USING ELECTRONIC DEVICES WITH NON-NATIVE CREDENTIALS 有权

    公开(公告)号：US20220318798A1

    公开(公告)日：2022-10-06

    申请号：US17836981

    申请日：2022-06-09

    Applicant: Apple Inc.

    Inventor： George R. DICKER ,  Nicholas J. SHEARER

    IPC: G06Q20/38 ,  G06Q20/32 ,  G06Q20/10 ,  G06Q20/40

    Abstract: Systems, methods, and computer-readable media for conducting a transaction using an electronic device with a non-native credential are provided. In one embodiment, a client electronic device in a system including a credential subsystem, a processing subsystem, and a host electronic device may include an online communications component and a processor that accesses, from the processing subsystem, potential transaction data indicative of a transaction, communicates, to the host electronic device using the online communications component, credential request data based on the potential transaction data, receives, from the host electronic device using the online communications component, host credential data based on the credential request data, and communicates, to the processing subsystem, the host credential data, wherein the host credential data is operative to access funds or other suitable enabling elements from the credential subsystem for funding at least a portion of the transaction. Additional embodiments are also provided.

    PAYMENT HANDOFF SYSTEM
    9.
    发明申请
    PAYMENT HANDOFF SYSTEM 审中-公开

    公开(公告)号：US20180268387A1

    公开(公告)日：2018-09-20

    申请号：US15922795

    申请日：2018-03-15

    Applicant: Apple Inc.

    Inventor： Bob BRADLEY ,  Marc J. KROCHMAL ,  William M. BUMGARNER ,  Vijay SUNDARAM ,  Margaret A. MOORE ,  Nicholas J. SHEARER ,  Brandon J. KIEFT

    IPC: G06Q20/10 ,  G06Q20/40 ,  G06Q20/32

    CPC classification number: G06Q20/102 ,  G06Q20/0855 ,  G06Q20/322 ,  G06Q20/3224 ,  G06Q20/3255 ,  G06Q20/40 ,  G06Q20/405 ,  G06Q30/06

    Abstract: A device in a payment transaction handoff system may include at least one processor configured to receive a request to perform a payment transaction and identify, using a first communication protocol, a respective device identifier of each of a plurality of proximate devices. The at least one processor is configured to select, based at least in part on a payment factor, a default payment device from the plurality of proximate devices. The at least one processor is configured to transmit, via a second communication protocol, a message to perform the payment transaction, the message comprising the device identifier of the default payment device. In one or more implementations, a first device of the plurality of proximate devices may be associated with a first user account and a second device of the plurality of proximate devices may be associated with a second user account, different from the first user account.

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