US 12,282,950 B2
Credential provisioning for an electronic device
David T. Haggerty, Cupertino, CA (US); George R. Dicker, Sunnyvale, CA (US); Joakim Linde, Cupertino, CA (US); Ahmer A. Khan, Cupertino, CA (US); and Timothy S. Hurley, Cupertino, CA (US)
Assigned to Apple Inc., Cupertino, CA (US)
Filed by Apple Inc., Cupertino, CA (US)
Filed on Nov. 9, 2020, as Appl. No. 17/093,497.
Application 17/093,497 is a division of application No. 14/475,273, filed on Sep. 2, 2014, granted, now 10,861,090, issued on Dec. 8, 2020.
Claims priority of provisional application 61/909,717, filed on Nov. 27, 2013.
Prior Publication US 2021/0174358 A1, Jun. 10, 2021
Int. Cl. G06Q 40/02 (2023.01); G06F 21/42 (2013.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/38 (2012.01); G06Q 20/42 (2012.01); G06Q 30/018 (2023.01); H04L 9/32 (2006.01); H04L 9/40 (2022.01); H04L 101/37 (2022.01)
CPC G06Q 40/02 (2013.01) [G06F 21/42 (2013.01); G06Q 20/3255 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/354 (2013.01); G06Q 20/3821 (2013.01); G06Q 20/425 (2013.01); G06Q 30/0185 (2013.01); H04L 9/3215 (2013.01); H04L 63/0876 (2013.01); G06Q 2220/00 (2013.01); H04L 2101/37 (2022.05); H04L 2209/56 (2013.01); H04L 2209/80 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
a memory; and
at least one processor configured to:
detect a selection of a particular commerce credential to be enabled on an electronic device, the particular commerce credential corresponding to a financial institution subsystem;
access communication mechanism data indicative of at least two communication techniques of the electronic device, wherein each of the at least two communication techniques is configured to receive a communication on the electronic device;
generate a ranking of the at least two communication techniques;
transmit information to the financial institution subsystem, wherein the information comprises the communication mechanism data and the selection of the particular commerce credential, and the generated ranking;
instruct the financial institution subsystem to provision the particular commerce credential in a disabled state as an applet of a supplemental security domain (“SSD”) on a secure element of the electronic device;
responsive to the instructing, obtain credential enablement data associated with the particular commerce credential; and
communicate the credential enablement data via an out-of-band communication channel to the electronic device using a particular communication technique of the at least two communication techniques indicated by the communication mechanism data, wherein the communicated credential enablement data is configured to cause the secure element of the electronic device to execute a script to update the applet of the SSD for the provisioned particular commerce credential from the disabled state on the secure element of the electronic device to an enabled state on the secure element of the electronic device.