公开(公告)号：EP3149682A1

公开(公告)日：2017-04-05

申请号：EP15725203.2

申请日：2015-05-15

Applicant: Apple Inc.

Inventor： KHAN, Ahmer A. ,  NOVICK, Gregory B. ,  HAUCK, Jerrold V. ,  VORA, Saket R. ,  PEREZ, Yehonatan

IPC: G06Q20/32 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q20/36 ,  H04W52/00

CPC classification number: G06Q20/3227 ,  G06Q20/32 ,  G06Q20/3278 ,  G06Q20/352 ,  G06Q20/353 ,  G06Q20/367 ,  G06Q20/382 ,  G06Q20/4018 ,  G06Q20/4097 ,  G06Q20/40975

Abstract: Methods for operating a portable electronic device to conduct a mobile payment transaction at a merchant terminal are provided. The electronic device may verify that the current user of the device is indeed the authorized owner by requiring the current user to enter a passcode. If the user is able to provide the correct passcode, the device is only partly ready to conduct a mobile payment. In order for the user to fully activate the payment function, the user may have to supply a predetermined payment activation input such as a double button press that notifies the device that the user intends to perform a financial transaction in the immediate future. The device may subsequently activate a payment applet for a predetermined period of time during which the user may hold the device within a field of the merchant terminal to complete a near field communications based mobile payment transaction.

Abstract translation: 是提供一种用于操作便携式电子装置在商家终端进行移动支付交易的方法。 该电子设备可以验证设备的DASS模具currentuser确实通过要求当前用户输入密码的授权的拥有者。 如果用户能够提供正确的密码，设备只是部分准备进行移动支付。 为了充分激活支付功能的用户，用户可能必须提供预定给付激活输入：如双按下按钮没有通知设备所做的用户意图在不久的将来进行金融交易。 该设备可以随后激活支付Java应用程序的时间这期间，用户可容纳商户终端的一个领域内的设备来完成一个基于近场通信移动支付交易的预定时间。

公开(公告)号：EP2795828A1

公开(公告)日：2014-10-29

申请号：EP12859018.9

申请日：2012-09-28

Applicant: Apple Inc.

Inventor： KHAN, Ahmer A.

IPC: H04L9/08 ,  H04L9/32

CPC classification number: H04L63/062 ,  G06F21/72 ,  G06Q20/3229 ,  G06Q20/3829 ,  H04L9/0877 ,  H04L9/0891 ,  H04L9/3234 ,  H04W12/04

Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for key management for Issuer Security Domain (ISD) using GlobalPlatform Specifications. A client receives from a server an authorization to update a first ISD keyset. The client encrypts, via a client-side secure element, a second ISD keyset with a server public key. The client sends the encrypted second ISD keyset to the server for updating the first ISD keyset with the encrypted second ISD keyset. Prior to updating, the client generates the first ISD keyset at a vendor and sends the first ISD keyset to the client-side secure element and sends the first ISD keyset encrypted with the server public key to the server. The disclosed method allows for updating of an ISD keyset of which only the client-side secure element and a server have knowledge.

公开(公告)号：EP3570621A2

公开(公告)日：2019-11-20

申请号：EP19177637.6

申请日：2019-05-31

Applicant: Apple Inc.

Inventor： LERCH, Matthias ,  KHAN, Ahmer A. ,  ELRAD, Oren M. ,  RAKOTOMALALA, Franck

IPC: H04W74/06

Abstract: A device implementing a scalable wireless transaction system includes at least one processor configured to receive, from a wireless transaction system server, a list of wireless transaction group identifiers, and an indication of at least one applet associated with each of the wireless transaction group identifiers. The at least one processor is further configured to receive, from a wireless transaction device, a polling frame that includes one of the wireless transaction device group identifiers. The at least one processor is further configured to select an applet provisioned on a device secure element that is assigned to the wireless transaction group identifier, the assigning being based at least in part on the received list. The at least one processor is further configured to utilize the selected applet to perform a wireless transaction with the wireless transaction device.

公开(公告)号：EP4226338A2

公开(公告)日：2023-08-16

申请号：EP22732745.9

申请日：2022-05-23

Applicant: Apple Inc.

Inventor： VILLANUEVA GAVIOLA, Haya Iris ,  ALLEN, Antonio A. ,  CHUNG, Ho Cheung ,  DESHPANDE, Mayura D. ,  FASOLI, Gianpaolo ,  GANESH, Vinay ,  GRAFF, Irene M. ,  HARING, Martijn Theo ,  KHAN, Ahmer A. ,  MILLER, Thomas John ,  RAKOTOMALALA, Franck Farian ,  SCOTT, Gordon ,  SHARP, Christopher ,  SILVER, David W. ,  WOOD, Policarpo Bonilla, Jr. ,  YANG, Ka

IPC: G06V40/16 ,  G06V40/40 ,  G06F21/00

公开(公告)号：EP3614324A1

公开(公告)日：2020-02-26

申请号：EP19199662.8

申请日：2019-09-25

Applicant: Apple Inc.

Inventor： KHAN, Ahmer A.

IPC: G06Q20/32

Abstract: A device implementing wireless transactions via persistent wireless connections includes a processor configured to establish, via near-field communication, a wireless connection with a wireless transaction device associated with a service provider, receive, from the wireless transaction device via the near-field communication, information for establishing a persistent wireless connection with the wireless transaction device via an other wireless interface, and establish, via the other wireless interface, the persistent wireless connection with the wireless transaction device. The processor is configured to receive, from the wireless transaction device via the persistent wireless connection, information pertaining to a transaction with the service provider and transmit, to the wireless transaction device, an encrypted data item comprising a credential to perform the transaction with the service provider. The processor is configured to receive, via the persistent wireless connection and from the wireless transaction device, confirmation that the transaction was completed with the service provider.

公开(公告)号：EP4152187A1

公开(公告)日：2023-03-22

申请号：EP22205943.8

申请日：2014-06-20

Applicant: Apple Inc.

Inventor： KHAN, Ahmer A. ,  HAGGERTY, David T. ,  DICKER, George R. ,  HAUCK, Jerroid V. ,  LINDE, Joakim ,  ADLER, Mitchell D. ,  ROSEN, Zachary A. ,  VAID, Yousaf H. ,  SHARP, Christopher

IPC: G06F21/35 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/42

Abstract: Systems, methods, and computer-readable media for provisioning credentials on an electronic device are provided. In one example embodiment, a secure platform system may be in communication with an electronic device and a financial institution subsystem. The secure platform system may be configured to, inter alia, receive user account information from the electronic device, authenticate a user account with a commercial entity using the received user account information, detect a commerce credential associated with the authenticated user account, run a commercial entity fraud check on the detected commerce credential, commission the financial institution subsystem to run a financial entity fraud check on the detected commerce credential based on the results of the commercial entity fraud check, and facilitate provisioning of the detected commerce credential on the electronic device based on the results of the financial entity fraud check. Additional embodiments are also provided.

公开(公告)号：EP4022472A1

公开(公告)日：2022-07-06

申请号：EP20797328.0

申请日：2020-10-06

Applicant: Apple Inc.

Inventor： YANG, Xiangying ,  KHAN, Ahmer A. ,  HARING, Martijn T.

IPC: G06F21/30 ,  H04L9/32 ,  H04L29/06 ,  H04W12/06

公开(公告)号：EP3570621A3

公开(公告)日：2019-12-25

申请号：EP19177637.6

申请日：2019-05-31

Applicant: Apple Inc.

Inventor： LERCH, Matthias ,  KHAN, Ahmer A. ,  ELRAD, Oren M. ,  RAKOTOMALALA, Franck

IPC: H04W74/06

Abstract: A device implementing a scalable wireless transaction system includes at least one processor configured to receive, from a wireless transaction system server, a list of wireless transaction group identifiers, and an indication of at least one applet associated with each of the wireless transaction group identifiers. The at least one processor is further configured to receive, from a wireless transaction device, a polling frame that includes one of the wireless transaction device group identifiers. The at least one processor is further configured to select an applet provisioned on a device secure element that is assigned to the wireless transaction group identifier, the assigning being based at least in part on the received list. The at least one processor is further configured to utilize the selected applet to perform a wireless transaction with the wireless transaction device.

公开(公告)号：EP3090394A1

公开(公告)日：2016-11-09

申请号：EP14827956.5

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.

公开(公告)号：EP3053120A1

公开(公告)日：2016-08-10

申请号：EP14782022.9

申请日：2014-09-23

Applicant: Apple Inc.

Inventor： KHAN, Ahmer A. ,  HURLEY, Timothy S. ,  DIEDERICH, Anton K. ,  DICKER, George R. ,  HERZ, Scott M. ,  SHARP, Christopher

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

CPC classification number: G06Q20/325 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/3823 ,  G06Q20/3829 ,  G06Q20/40

Abstract: Systems, methods, and computer-readable media for securely conducting online payments with a secure element of an electronic device are provided. In one example embodiment, a method includes, inter alia, at an electronic device, generating first data that includes payment card data, generating second data by encrypting the first data and merchant information with a first key, transmitting to a commercial entity subsystem the generated second data, receiving third data that includes the first data encrypted with a second key that is associated with the merchant information, and transmitting the received third data to a merchant subsystem that is associated with the merchant information, where the first key is not accessible to the merchant subsystem, and where the second key is not accessible to the electronic device. Additional embodiments are also provided.

Abstract translation: 提供了使用电子设备的安全元件安全地进行在线支付的系统，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电子设备上，生成包括支付卡数据的第一数据，通过用第一密钥加密第一数据和商家信息来生成第二数据，向商业实体子系统发送所产生的 第二数据，接收包括用与所述商家信息相关联的第二密钥加密的所述第一数据的第三数据，以及将所接收的第三数据发送到与所述商家信息相关联的商户子系统，其中所述第一密钥不可访问 商业子系统，以及电子设备不能访问第二密钥的位置。 还提供了另外的实施例。