US 11,748,746 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 Sep. 23, 2016, as Appl. No. 15/274,841.
Application 15/274,841 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 2017/0011395 A1, Jan. 12, 2017
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/38 (2012.01); H04L 9/08 (2006.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01); G06Q 20/12 (2012.01)
CPC G06Q 20/3829 (2013.01) [G06Q 20/12 (2013.01); G06Q 20/325 (2013.01); G06Q 20/3227 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/382 (2013.01); G06Q 20/3823 (2013.01); G06Q 20/40 (2013.01); H04L 9/0861 (2013.01); G06Q 2220/00 (2013.01); H04L 2209/24 (2013.01)] 29 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by a commercial entity subsystem, device transaction data from an electronic device performing a transaction with a merchant subsystem, wherein the device transaction data comprises:
token information indicative of a payment credential on the electronic device;
crypto information indicative of the electronic device; and
transaction information indicative of a transaction between the electronic device and a merchant subsystem;
deriving, by the commercial entity subsystem, a transaction key based on transaction key data, wherein the transaction key data comprises:
the token information; and
a first portion of the transaction information;
transmitting, by the commercial entity subsystem, merchant payment data via a first communication path that comprises the merchant subsystem, wherein the merchant payment data comprises:
the token information; and
a second portion of the transaction information; and
communicating, by the commercial entity subsystem, commercial payment data to a financial institution subsystem based at least in part on an association between the commercial payment data and the transaction key and via a second communication path that bypasses the merchant subsystem, wherein the commercial payment data comprises the crypto information, the commercial payment data being different from the merchant payment data, and the commercial entity subsystem is separate from the financial institution subsystem, the electronic device, and the merchant subsystem.