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    PROVISIONING AND AUTHENTICATING CREDENTIALS ON AN ELECTRONIC DEVICE
    2.
    发明申请
    PROVISIONING AND AUTHENTICATING CREDENTIALS ON AN ELECTRONIC DEVICE 审中-公开
    在电子设备上提供和认证证书

    公开(公告)号：WO2015084486A1

    公开(公告)日：2015-06-11

    申请号：PCT/US2014/059621

    申请日：2014-10-08

    Applicant: APPLE INC.

    Inventor： KHAN, Ahmer, A. ,  LINDE, Joakim ,  ROSEN, Zachary, A. ,  HURLEY, Timothy, S.

    IPC: G06Q20/02 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/38

    CPC classification number: G06Q20/3226 ,  G06Q20/02 ,  G06Q20/20 ,  G06Q20/3223 ,  G06Q20/3278 ,  G06Q20/352 ,  G06Q20/385 ,  G06Q20/40

    Abstract: Systems, methods, and computer-readable media for provisioning and/or authenticating credentials are provided. In one example embodiment, a financial institution system may be in communication with an electronic device and a merchant subsystem. The financial institution system may be configured to, inter alia , create a link between an actual commerce credential and a virtual commerce credential, provision the virtual commerce credential on the electronic device, after the virtual commerce credential is provisioned on the electronic device, receive a transaction request from the merchant subsystem, identify the virtual commerce credential from the received transaction request, and, in response to the identification of the virtual commerce credential, determine if the link between the actual commerce credential and the virtual commerce credential is authenticated for use in a financial transaction. Additional embodiments are also provided.

    Abstract translation: 提供用于供应和/或验证凭证的系统，方法和计算机可读介质。 在一个示例性实施例中，金融机构系统可以与电子设备和商务子系统通信。 金融机构系统可以被配置为除了在电子设备上提供虚拟商业凭证之后，在实际的商业凭证和虚拟商业凭证之间建立链接，在电子设备上提供虚拟商业凭证， 来自商务子系统的交易请求，从接收的交易请求中识别虚拟商业凭证，并且响应于虚拟商业凭证的识别，确定实际商业凭证与虚拟商业凭证之间的链接是否被认证用于 金融交易。 还提供了另外的实施例。

    APPARATUSES AND METHODS FOR USING A PRIMARY USER DEVICE TO PROVISION CREDENTIALS ONTO A SECONDARY USER DEVICE
    4.
    发明申请
    APPARATUSES AND METHODS FOR USING A PRIMARY USER DEVICE TO PROVISION CREDENTIALS ONTO A SECONDARY USER DEVICE 审中-公开
    使用主要用户设备向第二用户设备提供证书的装置和方法

    公开(公告)号：WO2015183574A1

    公开(公告)日：2015-12-03

    申请号：PCT/US2015/030802

    申请日：2015-05-14

    Applicant: APPLE INC.

    Inventor： BROWN, Jeremy, T. ,  DICKER, George, R. ,  STEELE, Glen, W. ,  GRAINGER, Morgan, J. ,  ROSEN, Zachary, A.

    IPC: G06Q20/00

    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.

    Abstract translation: 提供了一种用于将凭证提供到电子设备上的系统。 系统可以包括支付网络子系统，服务提供者子系统，主用户设备和辅助用户设备。 用户可以通过在主用户设备处提供输入来选择特定的支付卡来提供到次用户设备上。 运行在服务提供商子系统上的代理模块然后可以将禁用的传递传送到次用户设备。 同时，支付网络子系统可以指示服务提供商子系统上的可信服务管理器模块将凭证信息写入次用户设备内的安全元件。 一旦安全元件被更新，代理模块可以向次要用户设备提供激活的通过，使得辅助用户设备可以用于在商家终端上执行基于NFC的金融交易。

    FINANCIAL-TRANSACTION NOTIFICATIONS
    5.
    发明申请
    FINANCIAL-TRANSACTION NOTIFICATIONS 审中-公开
    财务交易通知

    公开(公告)号：WO2015183402A1

    公开(公告)日：2015-12-03

    申请号：PCT/US2015/023696

    申请日：2015-03-31

    Applicant: APPLE INC.

    Inventor： KHAN, Ahmer, A. ,  ROSEN, Zachary, A. ,  LINDE, Joakim

    IPC: G06Q20/32 ,  G06Q20/04 ,  G06Q20/42 ,  G06Q20/20 ,  G06Q20/38

    CPC classification number: G06Q20/325 ,  G06Q20/0453 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/322 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/36 ,  G06Q20/3821 ,  G06Q20/385 ,  G06Q20/425

    Abstract: To facilitate conducting a financial transaction via wireless communication between a portable electronic device and another electronic device (such as a point-of-sale terminal), the portable electronic device may, after a final command is received from the other electronic device, determine a unique transaction identifier for the financial transaction. In particular, the final command may be specific to a payment applet, stored in a secure element in the portable electronic device, which conducts the financial transaction. The secure element may generate the unique transaction identifier based on financial-account information associated with the payment applet, which is communicated to the other electronic device. Moreover, the financial-account information may specify a financial account that is used to pay for the financial transaction. Next, the secure element may provide, to a processor in the portable electronic device, an end message for the financial transaction with the unique transaction identifier.

    Abstract translation: 为了便于通过便携式电子设备和另一电子设备（例如销售点终端）之间的无线通信进行金融交易，便携式电子设备可以在从另一电子设备接收到最终命令之后，确定 金融交易的唯一交易标识符。 特别地，最终命令可以特定于存储在便携式电子设备中的执行金融交易的安全元件中的支付小应用程序。 安全元件可以基于与支付小应用程序相关联的财务帐户信息生成唯一的交易标识符，该信息被传送到另一电子设备。 此外，金融账户信息可以指定用于支付金融交易的金融账户。 接下来，安全元件可以向便携式电子设备中的处理器提供具有唯一事务标识符的用于金融交易的结束消息。

    SECURE PROVISIONING OF CREDENTIALS ON AN ELECTRONIC DEVICE
    6.
    发明申请
    SECURE PROVISIONING OF CREDENTIALS ON AN ELECTRONIC DEVICE 审中-公开
    在电子设备上安全提供证书

    公开(公告)号：WO2015030912A1

    公开(公告)日：2015-03-05

    申请号：PCT/US2014/043382

    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.

    Abstract translation: 提供了用于在电子设备上提供凭证的系统，方法和计算机可读介质。 在一个示例性实施例中，安全平台系统可以与电子设备和金融机构子系统通信。 安全平台系统可以被配置为特别地从电子设备接收用户帐户信息，使用接收到的用户帐户信息向商业实体验证用户帐户，检测与经认证的用户帐户相关联的商业凭证，运行商业广告 实体欺诈检查检测到的商业凭证，委托金融机构子系统根据商业实体欺诈检查的结果对检测到的商业凭证进行金融实体欺诈检查，并促进在电子设备上提供检测到的商业凭证 关于金融实体欺诈检查的结果。 还提供了另外的实施例。

    PROVISIONING AND AUTHENTICATING CREDENTIALS ON AN ELECTRONIC DEVICE
    8.
    发明公开
    PROVISIONING AND AUTHENTICATING CREDENTIALS ON AN ELECTRONIC DEVICE 审中-公开
    提供和证书认证上的电子设备

    公开(公告)号：EP3077968A1

    公开(公告)日：2016-10-12

    申请号：EP14806753.1

    申请日：2014-10-08

    Applicant: Apple Inc.

    Inventor： KHAN, Ahmer, A. ,  LINDE, Joakim ,  ROSEN, Zachary, A. ,  HURLEY, Timothy, S.

    IPC: G06Q20/02 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/38

    CPC classification number: G06Q20/3226 ,  G06Q20/02 ,  G06Q20/20 ,  G06Q20/3223 ,  G06Q20/3278 ,  G06Q20/352 ,  G06Q20/385 ,  G06Q20/40

    Abstract: Systems, methods, and computer-readable media for provisioning and/or authenticating credentials are provided. In one example embodiment, a financial institution system may be in communication with an electronic device and a merchant subsystem. The financial institution system may be configured to,
    inter
    alia , create a link between an actual commerce credential and a virtual commerce credential, provision the virtual commerce credential on the electronic device, after the virtual commerce credential is provisioned on the electronic device, receive a transaction request from the merchant subsystem, identify the virtual commerce credential from the received transaction request, and, in response to the identification of the virtual commerce credential, determine if the link between the actual commerce credential and the virtual commerce credential is authenticated for use in a financial transaction. Additional embodiments are also provided.

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