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公开(公告)号：US12165127B2
公开(公告)日：2024-12-10
申请号：US17200455
申请日：2021-03-12
Applicant: Apple Inc.
Inventor： Marcel Van Os , Oluwatomiwa B. Alabi , Peter D. Anton , George R. Dicker , Donald W. Pitschel , Danvin Ruangchan , Glen W. Steele , Simon Tickner , Shawn T. Webster
Abstract: In some examples, an account is provisioned onto an electronic device. In some examples, the device receives a value to fund the account provisioned on the electronic device. In some examples, the electronic device transacts with a contactless transaction terminal using the provisioned account and displays an indication of the transaction. In some examples, the electronic device transmits information corresponding to the provisioned account without checking for authentication. In some examples, the device receives user input initiating a process for moving the account from a first device to a second device. In some examples, the device receives account payment credentials from a second device when a set of payment criteria are met.
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公开(公告)号：US11797968B2
公开(公告)日：2023-10-24
申请号：US17321006
申请日：2021-05-14
Applicant: Apple Inc.
Inventor： Marcel Van Os , Peter D. Anton , Jared Crawford , Allison Dryer , Cas Lemmens , Glen W. Steele
IPC: G06Q20/22 , G06Q20/10 , G06F3/16 , H04L67/1074 , G06Q20/32 , H04L67/06 , H04L67/104
CPC classification number: G06Q20/223 , G06F3/167 , G06Q20/102 , G06Q20/322 , H04L67/1078 , H04L67/06 , H04L67/104
Abstract: The present disclosure generally relates to user interfaces for managing peer-to-peer transfers. In some examples, a device provides user interfaces for initiating and managing transfers. In some examples, a device provides user interfaces corresponding to completed transfers. In some examples, a device provides user interfaces for providing visually distinguishable message object appearances based on message designation. In some examples, a device provides user interfaces for activating accounts for accepting and sending transfers. In some examples, a device provides user interfaces for exchanging accounts for use in a transfer. In some examples, a device provides user interfaces for splitting transfers between two or more accounts. In some examples, a device provides user interfaces for generating and displaying a transfers history list. In some examples, a device provides user interfaces for voice-activation of transfers. In some examples, a device provides visual or haptic feedback corresponding to a transfer operation.
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公开(公告)号：US11769141B2
公开(公告)日：2023-09-26
申请号：US17947929
申请日：2022-09-19
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 , G06Q20/24 , 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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公开(公告)号：US11017384B2
公开(公告)日：2021-05-25
申请号：US14475268
申请日：2014-09-02
Applicant: Apple inc.
Inventor： Jeremy T. Brown , George R. Dicker , Glen W. Steele , Morgan J. Grainger , Zachary A. Rosen
Abstract: A system for provisioning credentials onto an electronic device is provided. The system may include a payment network subsystem, a service provider subsystem, a primary user device, and a secondary user device. The user may select a particular payment card to provision onto the secondary user device by providing an input at the primary user device. A broker module running on the service provider subsystem may then transfer a disabled pass to the secondary user device. Concurrently, the payment network subsystem may direct a trusted service manager module on the service provider subsystem to write credential information onto a secure element within the secondary user device. Once the secure element has been updated, the broker module may provide an activated pass to the secondary user device so that the secondary user device can be used to perform NFC-based financial transactions at a merchant terminal.
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公开(公告)号：US20190286694A1
公开(公告)日：2019-09-19
申请号：US16434024
申请日：2019-06-06
Applicant: Apple Inc.
Inventor： Chanaka G. Karunamuni , Marcel Van Os , Scott Herz , Eliza Block , Glen W. Steele , Ken Ferry , Peter Laurens
IPC: G06F17/27 , G06F16/487 , G06Q10/10 , G06F16/48
Abstract: In some implementations, documents can be presented on a display of a computing device based on a context of the computing device. The context can include a current time and/or current location associated with the computing device. The documents can be presented based on a time and/or location associated with the documents. Documents can be downloaded and shared between devices. Documents can be dynamically updated based on document vendor provided information and/or other network based resources. In some implementations, the various graphical interfaces described herein provide access to a variety of document types in an organized and efficient manner.
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Patent Agency Ranking
公开(公告)号：US09842330B1
公开(公告)日：2017-12-12
申请号：US15274086
申请日：2016-09-23
Applicant: APPLE INC.
Inventor： Marcel Van Os , Charles Ahn , Oluwatomiwa B. Alabi , Peter D. Anton , George R. Dicker , Donald W. Pitschel , Glen W. Steele , Simon Tickner
CPC classification number: G06Q20/327 , G06F3/0481 , G06Q20/227 , G06Q20/3274 , G06Q20/3278 , G06Q20/342 , G06Q20/36 , G06Q20/367 , G06Q20/3674 , G06Q20/4014 , G07F9/023
Abstract: In some examples, an account is provisioned onto an electronic device. In some examples, the device receives a value to fund the account provisioned on the electronic device. In some examples, the electronic device transacts with a contactless transaction terminal using the provisioned account and displays an indication of the transaction. In some examples, the electronic device transmits information corresponding to the provisioned account without checking for authentication. In some examples, the device receives user input initiating a process for moving the account from a first device to a second device. In some examples, the device receives account payment credentials from a second device when a set of payment criteria are met.
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公开(公告)号：US20150142665A1
公开(公告)日：2015-05-21
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
CPC classification number: G06Q20/0453 , G06Q20/322 , G06Q20/385
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.
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，电子设备基于传送到另一电子设备的金融账户信息确定用于金融交易的唯一交易标识符。 财务账户信息指定用于支付金融交易的金融账户。 此外，唯一交易标识符可能能够由与金融交易相关联的一个或多个其他实体（诸如金融交易中的交易对手或处理金融交易支付的支付网络）独立计算， 由便携式电子设备传送的帐户信息。 电子设备还可以将随后从第三方（例如支付网络）接收到的接收信息与金融交易相关联，通过将确定的唯一交易标识符与所计算的唯一交易标识符进行比较。
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公开(公告)号：US12190309B2
公开(公告)日：2025-01-07
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
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：US12086769B2
公开(公告)日：2024-09-10
申请号：US17341711
申请日：2021-06-08
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
CPC classification number: G06Q20/047 , G06Q20/322 , G06Q20/385
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：US11922408B2
公开(公告)日：2024-03-05
申请号：US17238805
申请日：2021-04-23
Applicant: Apple Inc.
Inventor： Jeremy T. Brown , George R. Dicker , Glen W. Steele , Morgan J. Grainger , Zachary A. Rosen
CPC classification number: G06Q20/3821 , G06Q20/12 , G06Q20/20 , G06Q20/3227 , G06Q20/3278 , G06Q20/351 , G06Q20/354 , G06Q20/367
Abstract: A system for provisioning credentials onto an electronic device is provided. The system may include a payment network subsystem, a service provider subsystem, a primary user device, and a secondary user device. The user may select a particular payment card to provision onto the secondary user device by providing an input at the primary user device. A broker module running on the service provider subsystem may then transfer a disabled pass to the secondary user device. Concurrently, the payment network subsystem may direct a trusted service manager module on the service provider subsystem to write credential information onto a secure element within the secondary user device. Once the secure element has been updated, the broker module may provide an activated pass to the secondary user device so that the secondary user device can be used to perform NFC-based financial transactions at a merchant terminal.
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