公开(公告)号：US11301835B2

公开(公告)日：2022-04-12

申请号：US16253726

申请日：2019-01-22

Applicant: Apple Inc.

Inventor： Sebastien Fontaine ,  Luc Dolcino ,  Benjamin Du Hays ,  Maxime De Nanclas ,  Xavier Alberti

IPC: G06Q40/00 ,  G06Q20/32 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q20/34 ,  G06Q20/38

Abstract: A device and a secure element for conducting a secured financial transaction are disclosed. The device comprises a central processing unit; a communication interface for establishing a communication between the device and a financial institution related to a financial account; an interface for acquiring data relating to the financial account; the secure element for processing at least a portion of the data relating to the financial account acquired by the interface; and control logic for acquiring a purchase amount to be debited from the financial account and for obtaining a transaction authorization from the financial institution related to the financial account, the transaction authorization being based, at least partially, on data processed solely by the secure element independently of data processed by the central processing unit. A method of conducting the secured financial transaction, and a computer program product for execution by the secure element are also disclosed.

公开(公告)号：US20240303625A1

公开(公告)日：2024-09-12

申请号：US18668079

申请日：2024-05-17

Applicant: Apple Inc.

Inventor： Luc Dolcino ,  Sebastien Fontaine ,  Benjamin Du Hays ,  Maxime De Nanclas ,  Xavier Alberti

IPC: G06Q20/32 ,  G06Q20/20 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q20/40

CPC classification number: G06Q20/3227 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3229 ,  G06Q20/326 ,  G06Q20/327 ,  G06Q20/3278 ,  G06Q20/34 ,  G06Q20/353 ,  G06Q20/3825 ,  G06Q20/3829 ,  G06Q20/388 ,  G06Q20/4012 ,  G06Q20/409

Abstract: A device, an add-on and a secure element for conducting a secured financial transaction are disclosed. The device comprises a central processing unit; a communication interface for establishing a communication between the device and a financial institution related to a financial account; an interface for acquiring data relating to the financial account; the secure element for processing at least a portion of the data relating to the financial account acquired by the interface; and control logic for acquiring a purchase amount to be debited from the financial account and for obtaining a transaction authorization from the financial institution related to the financial account, the transaction authorization being based, at least partially, on data processed solely by the secure element independently of data processed by the central processing unit. A method of conducting the secured financial transaction, and a computer program product for execution by the secure element are also disclosed.

公开(公告)号：US20230015850A1

公开(公告)日：2023-01-19

申请号：US17865258

申请日：2022-07-14

Applicant: Apple Inc.

Inventor： Frank Andries van den Berg ,  Sebastien Fontaine ,  Varun A. Vora

IPC: G06Q20/32 ,  G06Q20/38 ,  H04L9/40

Abstract: Approaches for display of a user input field on a data originating device during a data transfer are disclosed herein. The data originating device can be positioned within a proximity of a data receiving device to initiate a data transfer between the data originating device and the data receiving device. A secure channel may be established between the data originating device and the data receiving device to exchange information related to the user input field in some embodiments.

公开(公告)号：US20240378588A1

公开(公告)日：2024-11-14

申请号：US18781040

申请日：2024-07-23

Applicant: Apple Inc.

Inventor： Eran Hollander ,  Damien Balsan ,  Olivier M. Martin de la Bastide ,  Sebastien Fontaine ,  Frank Andries van den Berg

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

Abstract: There is disclosed a method and system for authorizing payment for a transaction between a buyer and a seller. A payment request may be received from a device associated with the seller. An authentication request comprising transaction information may be transmitted to an authentication service. An indication that the buyer has been authenticated may be received from the authentication service. A transaction request may be transmitted after the buyer has been authenticated.

公开(公告)号：US20240378583A1

公开(公告)日：2024-11-14

申请号：US18781019

申请日：2024-07-23

Applicant: Apple Inc.

Inventor： Frank Andries van den Berg ,  Sebastien Fontaine ,  Olivier M. Martin de la Bastide ,  Eran Hollander

IPC: G06Q20/32 ,  G06Q20/02 ,  H04W4/80

Abstract: There is disclosed a method and system for performing a transaction between a buyer and a seller. A payment request may be received from a first device associated with the seller. An identifier of a second device associated with the buyer may be determined. Data corresponding to the payment request may be transmitted to the second device. The second device may request that the buyer present a payment card to the second device. Payment card data may be received, where the payment card data was read by an NFC interface of the second device communicating with the payment card. After receiving the payment card data, a request may be transmitted to complete the transaction. A notification of the transaction result may be transmitted to the first device.

公开(公告)号：US20230251885A1

公开(公告)日：2023-08-10

申请号：US17952093

申请日：2022-09-23

Applicant: Apple Inc.

Inventor： Raphael Hudon-Voyer ,  Frank Andries van den Berg ,  Sebastien Fontaine ,  Frederic Arnaud ,  Neilson Proulx-Marcil ,  Pradeepa Krishnamoorthy ,  Guilherme Bicalho de Padua ,  Varun A. Vora ,  Jin W. Lee

IPC: G06F9/455 ,  H04L67/06 ,  H04L9/32

CPC classification number: G06F9/45558 ,  H04L9/3213 ,  H04L67/06 ,  G06F2009/45595

Abstract: Techniques for using a virtual terminal on a device to process a data transfer are described herein. These techniques provide the establishing of a virtual terminal for touchless transfer of data, encryption of the data, and rewrapping the data in a way to protect the personal information of a user on the device and in transfer, while still providing the information to a server for further processing.

公开(公告)号：US20230017151A1

公开(公告)日：2023-01-19

申请号：US17865276

申请日：2022-07-14

Applicant: Apple Inc.

Inventor： Frank Andries van den Berg ,  Sebastien Fontaine ,  Varun A. Vora

IPC: G06Q20/32 ,  H04W4/80 ,  H04W36/00 ,  G06Q20/38

Abstract: Approaches for display of a user input field on a data originating device during a data transfer are disclosed herein. The data originating device can be positioned within a proximity of a data receiving device to initiate a data transfer between the data originating device and the data receiving device. A secure channel may be established between the data originating device and the data receiving device to exchange information related to the user input field in some embodiments.

公开(公告)号：US20220036340A1

公开(公告)日：2022-02-03

申请号：US17503125

申请日：2021-10-15

Applicant: Apple Inc.

Inventor： Eran Hollander ,  Damien Balsan ,  Olivier M. Martin de la Bastide ,  Sebastien Fontaine ,  Frank Andries van den Berg

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

Abstract: There is disclosed a method and system for authorizing payment for a transaction between a buyer and a seller. A payment request may be received from a device associated with the seller. An authentication request comprising transaction information may be transmitted to an authentication service. An indication that the buyer has been authenticated may be received from the authentication service. A transaction request may be transmitted after the buyer has been authenticated.

公开(公告)号：US20230410087A1

公开(公告)日：2023-12-21

申请号：US18365155

申请日：2023-08-03

Applicant: Apple Inc.

Inventor： Eran Hollander ,  Damien Balsan ,  Olivier M. Martin de la Bastide ,  Sebastien Fontaine ,  Frank Andries van den Berg

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

CPC classification number: G06Q20/3278 ,  G06Q20/401 ,  G06Q20/3825 ,  G06Q20/3821

Abstract: There is disclosed a method and system for authorizing payment for a transaction between a buyer and a seller. A payment request may be received from a device associated with the seller. An authentication request comprising transaction information may be transmitted to an authentication service. An indication that the buyer has been authenticated may be received from the authentication service. A transaction request may be transmitted after the buyer has been authenticated.

公开(公告)号：US20230254141A1

公开(公告)日：2023-08-10

申请号：US17952094

申请日：2022-09-23

Applicant: Apple Inc.

Inventor： Raphael Hudon-Voyer ,  Frank Andries van den Berg ,  Sebastien Fontaine ,  Frederic Arnaud ,  Neilson Proulx-Marcil ,  Pradeepa Krishnamoorthy ,  Guilherme Bicalho de Padua ,  Varun A. Vora ,  Jin W. Lee

IPC: H04L9/14 ,  G06F9/455 ,  H04L9/08 ,  H04L9/32

CPC classification number: H04L9/14 ,  G06F9/45558 ,  H04L9/0825 ,  H04L9/3213 ,  H04L9/3234 ,  H04L9/0822 ,  G06F2009/45595

Abstract: Techniques for using a virtual terminal on a device to process a data transfer are described herein. These techniques provide the configuring of a virtual terminal for transfer of data, encryption of the data, and rewrapping the data. A server transmits virtual terminal kernel configuration data to the virtual terminal, configuring the terminal with a first public encryption key used to encrypt a second encryption key only known by the terminal. The second encryption key is used to encrypt data for data transfer. The server device is able to decrypt the second encryption key by using a third private encryption key that corresponds to the first public encryption key.