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    ELECTRONIC RECEIPTS FOR NFC-BASED FINANCIAL TRANSACTIONS
    1.
    发明申请
    ELECTRONIC RECEIPTS FOR NFC-BASED FINANCIAL TRANSACTIONS 审中-公开
    基于NFC的金融交易的电子收款

    公开(公告)号：WO2015073264A1

    公开(公告)日：2015-05-21

    申请号：PCT/US2014/063944

    申请日：2014-11-04

    Applicant: APPLE INC.

    Inventor： VAID, Yousuf H. ,  DICKER, George R. ,  KHAN, Ahmer A. ,  SHARP, Christopher B. ,  STEELE, Glen W. ,  ADAMS, Christopher D. ,  HAGGERTY, David T.

    IPC: G06Q20/02 ,  G06Q20/04 ,  G06Q20/32

    CPC classification number: G06Q20/3278 ,  G06Q20/02 ,  G06Q20/0453 ,  G06Q20/10 ,  G06Q20/327

    Abstract: To facilitate conducting a financial transaction via wireless communication between an electronic device and another electronic device, a secure element in the electronic device receives, from a third party, a notification associated with a financial transaction. This third party may be independent of a counterparty in the financial transaction, such as: a provider of the electronic device or a payment network that processes payment for the financial transaction. In response to the notification, the secure element requests, from the third party, receipt information associated with the financial transaction, and then receives the receipt information from the third party. This receipt information may include a first-level information, such as payment status. Alternatively or additionally, the receipt information may include a second-level information, such as an itemized list of purchased items, links to information and/or discounts.

    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，电子设备中的安全元件从第三方接收与金融交易相关联的通知。 该第三方可能独立于金融交易中的交易对手，例如：电子设备的提供商或处理金融交易支付的支付网络。 响应于通知，安全元件从第三方请求与金融交易相关联的收据信息，然后从第三方接收收据信息。 该收据信息可以包括诸如付款状态的第一级信息。 或者或另外，收据信息可以包括第二级信息，诸如所购项目的逐项列表，到信息和/或折扣的链接。

    PRE-PERSONALIZATION OF eSIMs TO SUPPORT LARGE-SCALE eSIM DELIVERY
    2.
    发明申请
    PRE-PERSONALIZATION OF eSIMs TO SUPPORT LARGE-SCALE eSIM DELIVERY 审中-公开
    电子商务的预先个性化支持大规模的eSIM交付

    公开(公告)号：WO2016186901A1

    公开(公告)日：2016-11-24

    申请号：PCT/US2016/031670

    申请日：2016-05-10

    Applicant: APPLE INC.

    Inventor： LI, Li ,  HAUCK, Jerrold Von ,  VAID, Yousuf H. ,  SHARP, Christopher B. ,  MATHIAS, Arun G. ,  HAGGERTY, David T.

    IPC: H04W8/20 ,  H04W4/00 ,  H04W88/02

    CPC classification number: H04L41/0806 ,  H04B1/3816 ,  H04B1/3827 ,  H04L63/0853 ,  H04L63/20 ,  H04W8/18 ,  H04W8/205

    Abstract: Representative embodiments described herein set forth techniques for optimizing large-scale deliveries of electronic Subscriber Identity Modules (eSIMs) to mobile devices. Specifically, instead of generating and assigning eSIMs when mobile devices are being activated-which can require significant processing overhead-eSIMs are pre-generated with a basic set of information, and are later-assigned to the mobile devices when they are activated. This can provide considerable benefits over conventional approaches that involve generating and assigning eSIMs during mobile device activation, especially when new mobile devices (e.g., smartphones, tablets, etc.) are being launched and a large number of eSIM assignment requests are to be fulfilled in an efficient manner.

    Abstract translation: 本文描述的代表性实施例阐述了用于优化向移动设备大规模地递送电子订户身份模块（eSIM）的技术。 具体而言，代替在移动设备被激活时生成和分配eSIM，这可能需要很大的处理开销 - eSIM是用一组基本信息预先生成的，并且在激活时被分配给移动设备。 这可以提供相当于在移动设备激活期间生成和分配eSIM的传统方法的显着优点，特别是当新的移动设备（例如，智能电话，平板电脑等）正在启动并且大量的eSIM分配请求将被满足时 有效的方式。

    GENERATING TRANSACTION IDENTIFIERS
    3.
    发明申请
    GENERATING TRANSACTION IDENTIFIERS 审中-公开
    生成交易标识符

    公开(公告)号：WO2015073263A1

    公开(公告)日：2015-05-21

    申请号：PCT/US2014/063939

    申请日：2014-11-04

    Applicant: APPLE INC.

    Inventor： DICKER, George R. ,  SHARP, Christopher B. ,  KHAN, Ahmer A. ,  VAID, Yousuf H. ,  STEELE, Glen W. ,  ADAMS, Christopher D. ,  HAGGERTY, David T.

    IPC: G06Q20/02 ,  G06Q20/04 ,  G06Q20/32 ,  G06Q20/38

    CPC classification number: G06Q20/382 ,  G06Q20/02 ,  G06Q20/0453 ,  G06Q20/327 ,  G06Q20/3827 ,  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。

    DISABLING MOBILE PAYMENTS FOR LOST ELECTRONIC DEVICES
    5.
    发明申请
    DISABLING MOBILE PAYMENTS FOR LOST ELECTRONIC DEVICES 审中-公开
    停止电子设备的移动支付

    公开(公告)号：WO2015102943A1

    公开(公告)日：2015-07-09

    申请号：PCT/US2014/071477

    申请日：2014-12-19

    Applicant: APPLE INC.

    Inventor： HAGGERTY, David T. ,  DICKER, George R. ,  KHAN, Ahmer A. ,  SHARP, Christopher B. ,  HURLEY, Timothy S. ,  CHADHA, Vineet

    IPC: G06Q20/32 ,  G06Q20/40

    CPC classification number: G06Q20/3226 ,  G06Q20/322 ,  G06Q20/40 ,  G06Q20/4014 ,  H04W8/22

    Abstract: If a user loses an electronic device that has the capability to conduct financial transactions, the user may report that the electronic device is lost using a lost-device software application to a management electronic device associated with a provider of the electronic device. In response to receiving this information, a disabling command is sent to a payment network associated with the financial account of the user to temporarily disable use of the electronic device to conduct the financial transactions. In particular, the electronic device may include a secure element that stores a payment applet for a financial account, and the disabling command may disable a mapping from a virtual identifier for the financial account to a financial primary account number. Subsequently, if the user finds the electronic device, the user may re-enable the capability (and, thus, the mapping) by providing authentication information to the electronic device.

    Abstract translation: 如果用户丢失了具有进行金融交易能力的电子设备，则用户可以使用丢失的设备软件应用向与电子设备的提供商相关联的管理电子设备报告电子设备丢失。 响应于接收到该信息，禁用命令被发送到与用户的财务帐户相关联的支付网络，以暂时禁止使用电子设备进行金融交易。 特别地，电子设备可以包括存储用于金融帐户的支付小应用程序的安全元件，并且禁用命令可以禁用从财务帐户的虚拟标识符到财务主帐号的映射。 随后，如果用户发现电子设备，则用户可以通过向电子设备提供认证信息来重新启用能力（并且因此映射）。

    APPARATUS AND METHODS FOR SECURE ELEMENT TRANSACTIONS AND MANAGEMENT OF ASSETS
    6.
    发明申请
    APPARATUS AND METHODS FOR SECURE ELEMENT TRANSACTIONS AND MANAGEMENT OF ASSETS 审中-公开
    安全资产交易和资产管理的手段和方法

    公开(公告)号：WO2014124108A1

    公开(公告)日：2014-08-14

    申请号：PCT/US2014/015050

    申请日：2014-02-06

    Applicant: APPLE INC.

    Inventor： HAGGERTY, David T. ,  KHAN, Ahmer A. ,  SHARP, Christopher ,  HAUCK, Jerrold Von ,  LINDE, Joakim ,  MCLAUGHLIN, Kevin P. ,  ZIAT, Mehdi ,  VAID, Yousuf H.

    IPC: G06Q20/40

    CPC classification number: G06Q20/36 ,  G06Q20/1235 ,  G06Q20/3227 ,  G06Q20/3552 ,  G06Q20/382

    Abstract: Methods and apparatus for the deployment of financial instruments and other assets are disclosed. In one embodiment, a security software protocol is disclosed that guarantees that the asset is always securely encrypted, that one and only one copy of an asset exists, and the asset is delivered to an authenticated and/or authorized customer. Additionally, exemplary embodiments of provisioning systems are disclosed that are capable of, among other things, handling large bursts of traffic (such as can occur on a so-called "launch day" of a device).

    Abstract translation: 披露部署金融工具和其他资产的方法和手段。 在一个实施例中，公开了一种安全软件协议，其保证资产始终被安全地加密，存在资产的一个且仅一个副本，并且该资产被传递给认证的和/或授权的客户。 此外，公开了供应系统的示例性实施例，其能够处理大量业务突发（例如可能发生在设备的所谓“启动日”）。

    MULTI-SCHEME TRANSACTION CREDENTIALS
    7.
    发明公开
    MULTI-SCHEME TRANSACTION CREDENTIALS 审中-公开

    公开(公告)号：EP3570236A3

    公开(公告)日：2019-12-11

    申请号：EP19177602.0

    申请日：2019-05-31

    Applicant: Apple Inc.

    Inventor： VAID, Yousuf H. ,  SHARP, Christopher ,  HAGGERTY, David T.

    IPC: G06Q20/32

    Abstract: A device implementing multi-scheme transaction credentials for a mobile transaction system includes a processor configured to transmit, to a mobile transaction system server, a request to provision a transaction credential on a device secure element. The processor is further configured to receive, from the mobile transaction system server, a provisioning script that, when executed by the device secure element, provisions, on the device secure element, a first applet corresponding to a first transaction network for the transaction credential and a second applet corresponding to a second transaction network for the transaction credential, the first and second applets being provisioned as an applet group having a shared life cycle. The processor is configured to, upon execution of the provisioning script, provide, for display, a single representation of the transaction credential corresponding to both the first and second applets.

    MULTI-SCHEME TRANSACTION CREDENTIALS
    8.
    发明公开
    MULTI-SCHEME TRANSACTION CREDENTIALS 审中-公开

    公开(公告)号：EP3570236A2

    公开(公告)日：2019-11-20

    申请号：EP19177602.0

    申请日：2019-05-31

    Applicant: Apple Inc.

    Inventor： VAID, Yousuf H. ,  SHARP, Christopher ,  HAGGERTY, David T.

    IPC: G06Q20/32

    Abstract: A device implementing multi-scheme transaction credentials for a mobile transaction system includes a processor configured to transmit, to a mobile transaction system server, a request to provision a transaction credential on a device secure element. The processor is further configured to receive, from the mobile transaction system server, a provisioning script that, when executed by the device secure element, provisions, on the device secure element, a first applet corresponding to a first transaction network for the transaction credential and a second applet corresponding to a second transaction network for the transaction credential, the first and second applets being provisioned as an applet group having a shared life cycle. The processor is configured to, upon execution of the provisioning script, provide, for display, a single representation of the transaction credential corresponding to both the first and second applets.

    MULTI-SCHEME TRANSACTION CREDENTIALS
    10.
    发明公开
    MULTI-SCHEME TRANSACTION CREDENTIALS 审中-公开

    公开(公告)号：EP3905169A1

    公开(公告)日：2021-11-03

    申请号：EP21180385.3

    申请日：2019-05-31

    Applicant: Apple Inc.

    Inventor： VAID, Yousuf H. ,  SHARP, Christopher ,  HAGGERTY, David T.

    IPC: G06Q20/32 ,  G06Q20/34 ,  G06Q20/36 ,  G06Q20/38

    Abstract: A device implementing multi-scheme transaction credentials for a mobile transaction system includes a processor configured to transmit, to a mobile transaction system server, a request to provision a transaction credential on a device secure element. The processor is further configured to receive, from the mobile transaction system server, a provisioning script that, when executed by the device secure element, provisions, on the device secure element, a first applet corresponding to a first transaction network for the transaction credential and a second applet corresponding to a second transaction network for the transaction credential, the first and second applets being provisioned as an applet group having a shared life cycle. The processor is configured to, upon execution of the provisioning script, provide, for display, a single representation of the transaction credential corresponding to both the first and second applets.

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