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    GENERATING TRANSACTION IDENTIFIERS
    1.
    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。

    ELECTRONIC RECEIPTS FOR NFC-BASED FINANCIAL TRANSACTIONS
    2.
    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。

    LOCATION-BASED TICKET BOOKS
    3.
    发明申请
    LOCATION-BASED TICKET BOOKS 审中-公开
    基于位置的门票书

    公开(公告)号：WO2014200708A2

    公开(公告)日：2014-12-18

    申请号：PCT/US2014/040062

    申请日：2014-05-29

    Applicant: APPLE INC.

    Inventor： BLOCK, Eliza ,  DICKER, George R. ,  STEELE, Glen W.

    CPC classification number: H04W4/021 ,  G06Q10/02 ,  G06Q30/06 ,  H04M1/72597 ,  H04W4/02 ,  H04W4/80 ,  H04W84/12

    Abstract: Location-based ticket books are described. A mobile device can present a virtual ticket to a service provider based on a location of the mobile device. The mobile device can receive a virtual ticket for accessing a service from a service provider. The virtual ticket can be associated with a signal source. The signal source can be pre-programmed to broadcast a beacon signal that includes an identifier identifying the signal source. The signal source can be placed at a venue where the service is available. The mobile device, upon arriving at the venue, can detect the beacon signal from the signal source. In response, the mobile device can activate a ticket manager. The ticket manager can automatically select, from a ticket book, the virtual ticket associated with the signal source. The mobile device can present content of the selected virtual ticket at the venue where the service is available.

    Abstract translation: 描述了基于位置的票据。 移动设备可以基于移动设备的位置向服务提供商呈现虚拟机票。 移动设备可以接收用于从服务提供商访问服务的虚拟机票。 虚拟票据可以与信号源相关联。 信号源可以被预编程以广播包括识别信号源的标识符的信标信号。 信号源可以放置在可用服务的场所。 移动设备在到达场地时可以从信号源检测信标信号。 作为响应，移动设备可以激活售票管理器。 票务经理可以自动从票单中选择与信号源相关联的虚拟票据。 移动设备可以在可用服务的场所呈现所选虚拟机的内容。

    PEER TRANSACTION SYSTEM
    4.
    发明申请
    PEER TRANSACTION SYSTEM 审中-公开

    公开(公告)号：WO2018222928A1

    公开(公告)日：2018-12-06

    申请号：PCT/US2018/035479

    申请日：2018-05-31

    Applicant: APPLE INC.

    Inventor： STEELE, Glen W. ,  DICKER, George R. ,  BYINGTON, Matthew C. ,  HEARD, Richard William Thomas

    IPC: G06Q20/32 ,  G06Q20/38

    Abstract: A device implementing a peer transaction system may include at least one processor configured to receive, within a messaging application, a request to send a transaction amount from a first user to a second user. The at least one processor may be further configured to transmit, to a mobile transaction system, a request to transfer the transaction amount from a first debit account of the first user to a second debit account of the second user. The at least one processor may be further configured to receive, from the mobile transaction system, a confirmation that the transaction amount has been transferred from the first user to the second user. The at least one processor may be further configured to transmit, via the messaging application, a message to the second user that indicates that the transaction amount has been sent from the first user to the second user.

    EXPRESS CREDENTIAL TRANSACTION SYSTEM
    5.
    发明申请
    EXPRESS CREDENTIAL TRANSACTION SYSTEM 审中-公开
    EXPRESS凭证交易系统

    公开(公告)号：WO2018048730A1

    公开(公告)日：2018-03-15

    申请号：PCT/US2017/049788

    申请日：2017-08-31

    Applicant: APPLE INC.

    Inventor： ABDULRAHIMAN, Najeeb M. ,  LERCH, Matthias ,  DICKER, George R. ,  ELRAD, Oren ,  STEELE, Glen W. ,  AHN, Charles T. ,  TACKIN, Onur E. ,  SCOTT, Gordon Y.

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

    Abstract: A device implementing an express credential transaction system includes at least one processor configured to receive an indication that a payment applet for a service provider has been provisioned on a secure element of the device with a first attribute indicating that the payment applet can be utilized for a transaction without authentication associated with the transaction. The processor is configured to set the first attribute of the payment applet to indicate that authentication is required to utilize the payment applet when another payment applet for the service provider provisioned on the secure element of the device has an attribute that indicates the other payment applet can be utilized for the transaction without user authentication. The at least one processor is configured to control whether the user authentication is requested when utilizing the payment applet or the other payment applet, respectively, in transactions.

    Abstract translation: 实施快递凭证交易系统的设备包括至少一个处理器，该至少一个处理器被配置为接收用于服务提供商的支付小应用程序已经在该设备的安全元件上被供应有第一属性的指示，该第一属性指示 支付小应用程序可用于没有与交易相关的认证的交易。 处理器被配置为设置支付小应用程序的第一属性以指示当设备的安全元件上提供的用于服务提供者的另一支付小应用程序具有指示其他支付小应用程序可以具有的属性时需要认证以利用支付小应用程序 在没有用户认证的情况下用于交易。 该至少一个处理器被配置为控制在交易中分别利用支付小应用程序或其他支付小应用程序时请求用户认证。

    DISABLING MOBILE PAYMENTS FOR LOST ELECTRONIC DEVICES
    6.
    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）。

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