US 12,079,794 B2
System and method of operating a consumer device as a payment device
Frank Andries van den Berg, Valencia (ES); Sebastien Fontaine, Montreal (CA); Olivier M. Martin de la Bastide, Paris (FR); and Eran Hollander, Needham, MA (US)
Assigned to Apple Inc., Cupertino, CA (US)
Filed by Apple Inc., Cupertino, CA (US)
Filed on Nov. 29, 2021, as Appl. No. 17/537,245.
Application 17/537,245 is a continuation of application No. PCT/IB2020/055136, filed on May 29, 2020.
Claims priority of provisional application 62/855,281, filed on May 31, 2019.
Prior Publication US 2022/0084008 A1, Mar. 17, 2022
Int. Cl. G06Q 20/32 (2012.01); G06Q 20/02 (2012.01); H04W 4/80 (2018.01)
CPC G06Q 20/322 (2013.01) [G06Q 20/02 (2013.01); G06Q 20/3278 (2013.01); H04W 4/80 (2018.02)] 17 Claims
OG exemplary drawing
 
1. A method, comprising:
receiving, by a service provider device, a transaction request from a first user device;
transmitting, by the service provider device, a first request for a mobile device identifier of a second user device, the request transmitted to the first user device;
receiving, by the service provider device, the mobile device identifier of the second user device from the first user device;
transmitting, by service provider device, a second request for a communication service device to send a message to the second user device using the mobile device identifier;
receiving, by the second user device, the message from the communication service device, the message comprising executable content for requesting an applet;
transmitting, by the second user device, an applet request to a server to request the applet, the applet request comprising transaction information;
receiving, by the second user device, information to provision the applet on the second user device;
presenting, on a user interface of the second user device, a prompt for account information associated with the transaction;
reading, by a near-field communication (NFC) interface of the second user device, the account information from a payment device, the NFC interface controlled by the applet;
transmitting, by the applet of the second user device, the account information from the payment device to the server;
receiving, from the server, the account information associated with the applet on the second user device;
transmitting, by the service provider device, the transaction information comprising the account information associated with the second user device to a transaction processing service;
receiving, by the service provider device, a transaction result, and
transmitting, by the service provider device, a notification to the first user device indicating the transaction result.