18378627. EXPRESS CREDENTIAL TRANSACTION SYSTEM simplified abstract (Apple Inc.)

EXPRESS CREDENTIAL TRANSACTION SYSTEM

Organization Name

Apple Inc.

Inventor(s)

Najeeb M. Abdulrahiman of Fremont CA (US)

Matthias Lerch of San Francisco CA (US)

George R. Dicker of Sunnyvale CA (US)

Oren M. Elrad of San Francisco CA (US)

Glen W. Steele of San Jose CA (US)

Charles T. Ahn of Portola Valley CA (US)

Onur E. Tackin of Saratoga CA (US)

Gordon Y. Scott of Cupertino CA (US)

EXPRESS CREDENTIAL TRANSACTION SYSTEM - A simplified explanation of the abstract

This abstract first appeared for US patent application 18378627 titled 'EXPRESS CREDENTIAL TRANSACTION SYSTEM

Simplified Explanation

The patent application describes a device that implements a transaction system for payment applets. The device has a processor that can receive an indication when a payment applet for a service provider is provisioned on a secure element of the device. The applet can be used for a transaction without authentication. The processor can set an attribute of the payment applet to indicate that authentication is required for its use when another payment applet for the same service provider can be used without authentication. The processor controls whether user authentication is requested when using the payment applet or the other payment applet in transactions.

• The device has a processor that receives an indication when a payment applet for a service provider is provisioned on a secure element.
• The payment applet can be used for a transaction without authentication.
• The processor can set an attribute of the payment applet to require authentication when another payment applet for the same service provider can be used without authentication.
• The processor controls whether user authentication is requested when using the payment applet or the other payment applet in transactions.

Potential applications of this technology:

• Secure mobile payments: The device can ensure that authentication is required for certain payment applets, providing an added layer of security for mobile transactions.
• Multi-applet management: The device can manage multiple payment applets for different service providers, allowing for flexibility in choosing the authentication requirements for each applet.

Problems solved by this technology:

• Security concerns: By allowing the device to control authentication requirements for payment applets, the technology addresses security concerns related to unauthorized use of payment applets.
• User convenience: The technology allows for different authentication requirements for different payment applets, providing a balance between security and user convenience.

Benefits of this technology:

• Enhanced security: By requiring authentication for certain payment applets, the technology improves the security of transactions and reduces the risk of unauthorized use.
• Flexibility and customization: The device can adapt to different authentication requirements for different payment applets, providing flexibility and customization options for users.
• Improved user experience: The technology allows for a seamless and convenient user experience by managing authentication requirements based on the specific payment applet being used.

Original Abstract Submitted

A device implementing an express credential transaction system includes at least one processor configured to receive an indication that a payment applet for a service provider has been provisioned on a secure element of the device with a first attribute indicating that the payment applet can be utilized for a transaction without authentication associated with the transaction. The processor is configured to set the first attribute of the payment applet to indicate that authentication is required to utilize the payment applet when another payment applet for the service provider provisioned on the secure element of the device has an attribute that indicates the other payment applet can be utilized for the transaction without user authentication. The at least one processor is configured to control whether the user authentication is requested when utilizing the payment applet or the other payment applet, respectively, in transactions.