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Online payments using a secure element of an electronic device

Inactive Publication Date: 2015-04-02
APPLE INC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Benefits of technology

The patent describes a method for accessing a secure element in an electronic device to use it for online purchases. The technical effect of this patent is that it allows for secure and efficient payment transactions using a trusted source of information.

Problems solved by technology

However, secure use of such a commerce credential by the electronic device for an online transaction has heretofore been infeasible.

Method used

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  • Online payments using a secure element of an electronic device
  • Online payments using a secure element of an electronic device
  • Online payments using a secure element of an electronic device

Examples

Experimental program
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Embodiment Construction

[0024]A credential provisioned on a secure element of an electronic device may be used for securely conducting an online financial transaction between the electronic device and a merchant. The credential may be encrypted by the secure element using an access key not available to any non-secure portion of the electronic device. That encrypted credential and information identifying the merchant for a proposed online financial transaction (e.g., merchant information obtained by the device via a merchant application or via a merchant's website) may be transmitted by the electronic device to a commercial entity that may also have access to the access key. The commercial entity may decrypt the received credential data using the access key and may re-encrypt the credential data using a merchant key known by the commercial entity. Such a merchant key may be determined by the commercial entity through use of the merchant identification information received from the electronic device (e.g., u...

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PUM

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Abstract

Systems, methods, and computer-readable media for securely conducting online payments with a secure element of an electronic device are provided. In one example embodiment, a method includes, inter alia, at an electronic device, generating first data that includes payment card data, generating second data by encrypting the first data and merchant information with a first key, transmitting to a commercial entity subsystem the generated second data, receiving third data that includes the first data encrypted with a second key that is associated with the merchant information, and transmitting the received third data to a merchant subsystem that is associated with the merchant information, where the first key is not accessible to the merchant subsystem, and where the second key is not accessible to the electronic device. Additional embodiments are also provided.

Description

CROSS-REFERENCE TO RELATED APPLICATIONS[0001]This application claims the benefit of prior filed U.S. Provisional Patent Application No. 61 / 884,926, filed Sep. 30, 2013, of prior filed U.S. Provisional Patent Application No. 61 / 989,107, filed May 6, 2014, of prior filed U.S. Provisional Patent Application No. 62 / 002,721, filed May 23, 2014, and of prior filed U.S. Provisional Patent Application No. 62 / 004,182, filed May 28, 2014, each of which is hereby incorporated by reference herein in its entirety.TECHNICAL FIELD[0002]This disclosure relates to using a secure element of an electronic device for online payments.BACKGROUND OF THE DISCLOSURE[0003]Portable electronic devices (e.g., cellular telephones) may be provided with near field communication (“NFC”) components for enabling contactless proximity-based communications with another entity. Often times, these communications are associated with financial transactions or other secure data transactions that require the electronic devic...

Claims

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Application Information

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IPC IPC(8): G06Q20/38G06Q20/10
CPCG06Q20/10G06Q20/3829G06Q20/3227G06Q20/3278G06Q20/382G06Q20/40G06Q20/12G06Q20/3823G06Q20/325G06Q20/326
Inventor KHAN, AHMER A.HURLEY, TIMOTHY S.DIEDERICH, ANTON K.DICKER, GEORGE R.HERZ, SCOTT M.SHARP, CHRISTOPHER
Owner APPLE INC
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