18241844. MULTI-PATH COMMUNICATION OF ELECTRONIC DEVICE SECURE ELEMENT DATA FOR ONLINE PAYMENTS simplified abstract (Apple Inc.)

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MULTI-PATH COMMUNICATION OF ELECTRONIC DEVICE SECURE ELEMENT DATA FOR ONLINE PAYMENTS

Organization Name

Apple Inc.

Inventor(s)

Manoj K. Thulaseedharan Pillai of Cupertino CA (US)

Ahmer A. Khan of Cupertino CA (US)

Thomas Elliott of Cupertino CA (US)

Timothy S. Hurley of Cupertino CA (US)

Jennifer J. Bailey of Cupertino CA (US)

David E. Brudnicki of Cupertino CA (US)

MULTI-PATH COMMUNICATION OF ELECTRONIC DEVICE SECURE ELEMENT DATA FOR ONLINE PAYMENTS - A simplified explanation of the abstract

This abstract first appeared for US patent application 18241844 titled 'MULTI-PATH COMMUNICATION OF ELECTRONIC DEVICE SECURE ELEMENT DATA FOR ONLINE PAYMENTS

Simplified Explanation

The patent application describes a method for securely transmitting payment data from an electronic device to a merchant and a financial institution for online payments.

  • The method involves receiving device transaction data from an electronic device, which includes payment credential data.
  • A transaction identifier is accessed and used to derive a transaction key.
  • Merchant payment data, including a portion of the payment credential data and the transaction identifier, is transmitted to either the merchant or the electronic device.
  • Commercial payment data, including a different portion of the payment credential data, is shared with a financial institution using the transaction key.

Potential applications of this technology include:

  • Online payment systems
  • Mobile payment applications
  • E-commerce platforms

Problems solved by this technology include:

  • Ensuring secure transmission of payment data
  • Protecting payment credentials from unauthorized access
  • Simplifying the payment process for users

Benefits of this technology include:

  • Enhanced security for online payments
  • Improved user experience with simplified payment process
  • Efficient and reliable communication of payment data between different subsystems


Original Abstract Submitted

Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data. Additional embodiments are also provided.

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