US 11,941,620 B2
Multi-path communication of electronic device secure element data for online payments
Manoj K. Thulaseedharan Pillai, Cupertino, CA (US); Ahmer A. Khan, Cupertino, CA (US); Thomas Elliott, Cupertino, CA (US); Timothy S. Hurley, Cupertino, CA (US); Jennifer J. Bailey, Cupertino, CA (US); and David E. Brudnicki, Cupertino, CA (US)
Assigned to Apple Inc., Cupertino, CA (US)
Filed by Apple Inc., Cupertino, CA (US)
Filed on Dec. 28, 2020, as Appl. No. 17/135,876.
Application 17/135,876 is a division of application No. 15/274,929, filed on Sep. 23, 2016, granted, now 10,878,414.
Application 15/274,929 is a continuation in part of application No. 14/481,526, filed on Sep. 9, 2014, abandoned.
Claims priority of provisional application 62/348,956, filed on Jun. 12, 2016.
Claims priority of provisional application 62/234,929, filed on Sep. 30, 2015.
Claims priority of provisional application 62/004,182, filed on May 28, 2014.
Claims priority of provisional application 62/002,721, filed on May 23, 2014.
Claims priority of provisional application 61/989,107, filed on May 6, 2014.
Claims priority of provisional application 61/884,926, filed on Sep. 30, 2013.
Prior Publication US 2021/0150523 A1, May 20, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/38 (2012.01); G06F 21/45 (2013.01); G06Q 20/10 (2012.01); G06Q 20/12 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01); H04W 12/069 (2021.01)
CPC G06Q 20/3829 (2013.01) [G06F 21/45 (2013.01); G06Q 20/102 (2013.01); G06Q 20/12 (2013.01); G06Q 20/3226 (2013.01); G06Q 20/3227 (2013.01); G06Q 20/325 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/382 (2013.01); G06Q 20/3823 (2013.01); G06Q 20/40 (2013.01); G06Q 20/4016 (2013.01); H04W 12/069 (2021.01); G06Q 2220/00 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
at an electronic device:
generating, on a secure element of the electronic device, credential data operative to identify a funding account of a financial institution subsystem for funding a transaction between the electronic device and a merchant subsystem;
accessing transaction key data;
deriving a transaction key based on the transaction key data;
transmitting merchant payment data to the merchant subsystem to perform the transaction between the electronic device and the merchant subsystem, wherein the merchant payment data comprises:
at least a portion of the credential data; and
the accessed transaction key data; and
sharing commercial payment data with the financial institution subsystem using the transaction key to perform the transaction between the electronic device and the merchant subsystem, wherein the commercial payment data comprises at least one of:
another portion of the credential data; and
enhancer data comprising information to be used by the financial institution subsystem to enhance a risk assessment of the transaction.