Multi-path communication of electronic device secure element data for online payments

US10878414B2 · kind B2 · utility

Assignee

• Apple Inc. · US

Inventors

• Manoj K. Thulaseedharan Pillai · Cupertino, US
• Ahmer A. Khan · Milpitas, US
• Thomas Elliott · Redwood City, US
• Timothy S. Hurley · Los Gatos, US
• Jennifer J. BAILEY · Los Altos Hills, US
• David Brudnicki · Duvall, US

Key dates

• Filing date: Sep 23, 2016
• Grant date: Dec 29, 2020
• Expiry date: Jul 30, 2039

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q2220/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

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.