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。

公开(公告)号：EP3039606A1

公开(公告)日：2016-07-06

申请号：EP14742020.2

申请日：2014-06-20

Applicant: Apple Inc.

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

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

CPC classification number: G06Q20/42 ,  G06F21/35 ,  G06Q20/32 ,  G06Q20/3226 ,  G06Q20/40 ,  G06Q20/4016

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：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.

公开(公告)号：EP3289549A1

公开(公告)日：2018-03-07

申请号：EP16732393.0

申请日：2016-06-07

Applicant: Apple Inc.

Inventor： ZIAT, Mehdi ,  AILENI, Vamshi, Krishna ,  VAID, Yousuf, H. ,  KHAN, Ahmer, A. ,  DICKER, George, R. ,  SHARP, Christopher ,  ROSEN, Zachary, A.

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

CPC classification number: G06Q20/409 ,  G06Q20/227 ,  G06Q20/32 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/357 ,  G06Q20/36 ,  G06Q20/3821 ,  G06Q20/385 ,  H04L63/062 ,  H04L2463/102

Abstract: Systems, methods, and computer-readable media for provisioning multiple credentials of a multi-scheme card on an electronic device for selective use in a secure transaction are provided.

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.

公开(公告)号：EP3291126A1

公开(公告)日：2018-03-07

申请号：EP17183941.8

申请日：2017-07-31

Applicant: Apple Inc.

Inventor： FASOLI, Gianpaolo ,  BYINGTON, Matthew C. ,  SHARP, Christopher ,  DIEDERICH, Anton K. ,  SHEARER, Nicholas J. ,  YEPEZ, Roberto G. ,  KOSTKA, Petr ,  BARBIERI, Gianluca ,  GUPTA, Abhinav

IPC: G06F21/74 ,  G06F21/84

Abstract: A content request communication can be transmitted to a web server using a first processor of a device. A response communication including content identifying a first value can be received from the web server. The first processor can facilitate a first presentation of the content on a first display of the device. A communication can be received at a second processor of the device from a remote server. The communication can include data representing a second value. The communication can include one generated at the remote server in response to receipt of another communication from the web server. A secure verification output representative of the second value can be generated using the second processor. The second processor can facilitate a second presentation of the verification output at a second display on the device concurrently with the first presentation of the content.

Abstract translation: 内容请求通信可以使用设备的第一处理器传输到网络服务器。 可以从网络服务器接收包括标识第一值的内容的响应通信。 第一处理器可以有助于在设备的第一显示器上第一次呈现内容。 可以在设备的第二处理器处从远程服务器接收通信。 通信可以包括表示第二值的数据。 通信可以包括响应于从网络服务器接收到另一通信而在远程服务器处生成的通信。 表示第二值的安全验证输出可以使用第二处理器来生成。 第二处理器可以促进验证输出在设备上的第二显示器上与内容的第一呈现同时的第二次呈现。

公开(公告)号：EP3158520A1

公开(公告)日：2017-04-26

申请号：EP15715017.8

申请日：2015-03-18

Applicant: Apple Inc.

Inventor： HURLEY, Timothy, S. ,  KHAN, Ahmer, A. ,  DICKER, George, R. ,  SHARP, Christopher

IPC: G06Q20/32 ,  G06Q20/36

CPC classification number: G06Q20/40 ,  G06Q20/108 ,  G06Q20/3223 ,  G06Q20/3229 ,  G06Q20/3672 ,  G06Q20/382 ,  H04L63/08

Abstract: Systems, methods, and computer-readable media for using an online resource to manage reloadable credentials on an electronic device are provided. In one example embodiment, a method, at an electronic device, includes, inter alia, receiving selection data via an online resource, where the selection data may be indicative of a particular credential applet stored on a secure element of the electronic device, in response to the receiving the selection data, accessing validation data from the particular credential applet on the secure element, transmitting initialization results comprising the accessed validation data to a remote subsystem associated with the online resource, in response to the transmitting, receiving reload data from the remote subsystem, and adjusting a balance of the particular credential applet based on the received reload data. Additional embodiments are also provided.

Abstract translation: 系统，方法，以及使用在线资源来管理电子设备增值的凭据的计算机可读介质提供。 在一个示例实施例中，一种方法，在以电子设备，包括，除其他外，通过接收关于在线资源，其中，所述选择数据可以指示存储在电子设备的响应的安全元件上的特定小应用程序的凭证的选择数据 于接收所述选择数据，从安全元件上的特定小应用程序的凭证访问验证数据，传输初始化的结果所访问的验证数据包括与所述在线资源相关联的远程子系统，响应于所述发送，从所述远程接收reloadData 子系统，以及基于所接收到的reloadData特定凭证小程序的一个平衡。 因此，提供附加的实施例。

公开(公告)号：EP3072047A1

公开(公告)日：2016-09-28

申请号：EP14816001.3

申请日：2014-11-21

Applicant: Apple Inc.

Inventor： ZIAT, Mehdi ,  SHARP, Christopher ,  MCLAUGHLIN, Kevin P. ,  LI, Li ,  HAUCK, Jerrold V. ,  VAID, Yousuf H.

IPC: G06F9/445 ,  G06F15/177 ,  G06F9/50

CPC classification number: H04W8/22 ,  G06F9/44505 ,  G06F9/5011

Abstract: ABSTRACT Systems and methods for validating and applying modifications to a policy control function (PCF) of a station. The methods include generating a PCF package including a modification to a PCF, and determining whether the PCF package is to be transmitted to the station by a first or second entity. The methods further include when the PCF package is to be transmitted by the first entity, including a first signature of the first entity in a deliverer field of the PCF package, and when the PCF package is to be transmitted by the second entity, including the first signature in an owner field and a second signature of the second entity in the deliverer field. The methods further include receiving the PCF package from the first or second entity, determining whether the PCF package is valid, and applying the modification when it is determined the PCF package is valid.