Transaction using an electronic device with non-local credentials

By generating and encrypting payment request data on the host electronic device and using non-local credentials for transactions, the problem of low efficiency in online financial transactions using portable electronic devices is solved, achieving a more efficient and secure transaction process.

CN122347422APending Publication Date: 2026-07-07APPLE INC

Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
APPLE INC
Filing Date
2017-01-25
Publication Date
2026-07-07

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Abstract

The present disclosure relates to transactions using electronic devices with non-native credentials. Systems, methods, and computer-readable media for transactions using electronic devices with non-native credentials are provided. A client electronic device in a system including a credential subsystem, a processing subsystem, and a host electronic device can include an online communication component and a processor that accesses potential transaction data indicative of a transaction from the processing subsystem, transmits credential request data based on the potential transaction data to the host electronic device using the online communication component, receives host credential data based on the credential request data from the host electronic device using the online communication component, and transmits the host credential data to the processing subsystem, where the host credential data is used to obtain funding or other appropriate enabling elements from the credential subsystem to fund at least a portion of the transaction.
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