Patents by Inventor George R. Dicker
George R. Dicker has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20210295282Abstract: To facilitate conducting a financial transaction via wireless communication between an electronic device and another electronic device, the electronic device determines a unique transaction identifier for the financial transaction based on financial-account information communicated to the other electronic device. The financial-account information specifies a financial account that is used to pay for the financial transaction. Moreover, the unique transaction identifier may be capable of being independently computed by one or more other entities associated with the financial transaction (such as a counterparty in the financial transaction or a payment network that processes payment for the financial transaction) based on the financial-account information communicated by the portable electronic device.Type: ApplicationFiled: June 8, 2021Publication date: September 23, 2021Applicant: Apple Inc.Inventors: George R. DICKER, Christopher B. SHARP, Ahmer A. KHAN, Yousuf H. VAID, Glen W. STEELE, Christopher D. ADAMS, David T. HAGGERTY
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Patent number: 11120442Abstract: Systems, methods, and computer-readable media for using an online resource to manage reloadable credentials on an electronic device are provided. In one example embodiment, a method, at an electronic device, includes, inter alia, receiving selection data via an online resource, where the selection data may be indicative of a particular credential applet stored on a secure element of the electronic device, in response to the receiving the selection data, accessing validation data from the particular credential applet on the secure element, transmitting initialization results comprising the accessed validation data to a remote subsystem associated with the online resource, in response to the transmitting, receiving reload data from the remote subsystem, and adjusting a balance of the particular credential applet based on the received reload data. Additional embodiments are also provided.Type: GrantFiled: September 30, 2014Date of Patent: September 14, 2021Assignee: Apple Inc.Inventors: Timothy S. Hurley, Ahmer A. Khan, George R. Dicker, Christopher Sharp
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Publication number: 20210272118Abstract: The present disclosure generally relates to transaction user interfaces. In some examples, a user is notified if there is an error with transaction parameters and the device determines whether potentially compatible transaction parameters are available on the electronic device. In some examples, the user is notified if there is an error with transaction parameters and the user is prompted to use another device to enter new transaction information.Type: ApplicationFiled: May 14, 2021Publication date: September 2, 2021Inventors: Marcel VAN OS, Oluwatomiwa B. ALABI, Peter D. ANTON, Leonardo N. CANTELMO, George R. DICKER, Morgan GRAINGER, Kevin LYNCH, Nicholas J. SHEARER, Simon TICKNER
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Publication number: 20210247898Abstract: An electronic device displays a messaging user interface of a messaging application, including a conversation transcript of a messaging session between a user of the electronic device and another user, a message-input area, and a representation corresponding to the other user. In response to detecting a first user input corresponding to the representation of the other user, a menu is displayed that contains an activatable menu item for initiating a payment action with the other user. While displaying the menu, in response to detecting a second user input corresponding to the activatable menu item for initiating a payment action with the first other user, a user interface configured to initiate sending of payment to, and/or requesting payment from, the first other user is displayed.Type: ApplicationFiled: April 27, 2021Publication date: August 12, 2021Inventors: Imran A. Chaudhri, Freddy A. Anzures, Chanaka G. Karunamuni, Nicholas V. King, Wan Si Wan, Darin B. Adler, Justin N. Wood, Roberto Garcia, Soin Shedlosky, George R. Dicker
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Publication number: 20210241268Abstract: A system for provisioning credentials onto an electronic device is provided. The system may include a payment network subsystem, a service provider subsystem, a primary user device, and a secondary user device. The user may select a particular payment card to provision onto the secondary user device by providing an input at the primary user device. A broker module running on the service provider subsystem may then transfer a disabled pass to the secondary user device. Concurrently, the payment network subsystem may direct a trusted service manager module on the service provider subsystem to write credential information onto a secure element within the secondary user device. Once the secure element has been updated, the broker module may provide an activated pass to the secondary user device so that the secondary user device can be used to perform NFC-based financial transactions at a merchant terminal.Type: ApplicationFiled: April 23, 2021Publication date: August 5, 2021Inventors: Jeremy T. Brown, George R. Dicker, Glen W. Steele, Morgan J. Grainger, Zachary A. Rosen
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Patent number: 11074572Abstract: In some examples, an account is provisioned onto an electronic device. In some examples, the device receives a value to fund the account provisioned on the electronic device. In some examples, the electronic device transacts with a contactless transaction terminal using the provisioned account and displays an indication of the transaction. In some examples, the electronic device transmits information corresponding to the provisioned account without checking for authentication. In some examples, the device receives user input initiating a process for moving the account from a first device to a second device. In some examples, the device receives account payment credentials from a second device when a set of payment criteria are met.Type: GrantFiled: November 27, 2017Date of Patent: July 27, 2021Assignee: Apple Inc.Inventors: Marcel Van Os, Oluwatomiwa B. Alabi, Peter D. Anton, George R. Dicker, Donald W. Pitschel, Danvin Ruangchan, Glen W. Steele, Simon Tickner, Shawn T. Webster
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Publication number: 20210224785Abstract: The present disclosure generally relates selecting an appropriate communication radio mode based on criteria. In one example process, the device detects a fingerprint using the integrated biometric sensor and, in accordance with a determination that the fingerprint is consistent with an enrolled fingerprint and a determination that a set of one or more criteria is met, transitions to a second short-range communication radio mode different from a first short-range communication radio mode. In another example process, the device detects a fingerprint using the integrated biometric sensor and, in accordance with a determination that the fingerprint is consistent with the enrolled fingerprint and a determination that the set of one or more criteria is not met, the device is unlocked.Type: ApplicationFiled: April 5, 2021Publication date: July 22, 2021Inventors: Marcel VAN OS, Christopher D. ADAMS, George R. DICKER, Jack I-Chieh FU, Petr KOSTKA, Daniel KURTZ, Brittany D. PAINE, Balaji A. SARPESHKAR
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Publication number: 20210201288Abstract: In some examples, an account is provisioned onto an electronic device. In some examples, the device receives a value to fund the account provisioned on the electronic device. In some examples, the electronic device transacts with a contactless transaction terminal using the provisioned account and displays an indication of the transaction. In some examples, the electronic device transmits information corresponding to the provisioned account without checking for authentication. In some examples, the device receives user input initiating a process for moving the account from a first device to a second device. In some examples, the device receives account payment credentials from a second device when a set of payment criteria are met.Type: ApplicationFiled: March 12, 2021Publication date: July 1, 2021Inventors: Marcel VAN OS, Oluwatomiwa B. ALABI, Peter D. ANTON, George R. DICKER, Donald W. PITSCHEL, Danvin RUANGCHAN, Glen W. STEELE, Simon TICKNER, Shawn T. WEBSTER
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Publication number: 20210192530Abstract: The present disclosure relates to making payments with a mobile device. In one example process, the mobile device receives and stores information for one or more payment accounts on the mobile device. The mobile device is used to make payments using the payment accounts. In some examples, authorization to proceed with a payment is performed before each purchase made by the user. The authorization process can include receiving a verification of the user, such as a fingerprint scan or passcode. In some examples, a payment account is selected from among available payment accounts. In some examples, an indication is displayed of a digital item associated with a purchased item. In some examples, a payment transaction is initiated with participants of an ongoing communication. In some examples, an application of a retailer is invoked based on the availability of the application. In some examples, a purchase recommendation is provided.Type: ApplicationFiled: March 5, 2021Publication date: June 24, 2021Inventors: Marcel VAN OS, Christopher D. ADAMS, George R. DICKER
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Patent number: 11042846Abstract: To facilitate conducting a financial transaction via wireless communication between an electronic device and another electronic device, the electronic device determines a unique transaction identifier for the financial transaction based on financial-account information communicated to the other electronic device. The financial-account information specifies a financial account that is used to pay for the financial transaction. Moreover, the unique transaction identifier may be capable of being independently computed by one or more other entities associated with the financial transaction (such as a counterparty in the financial transaction or a payment network that processes payment for the financial transaction) based on the financial-account information communicated by the portable electronic device.Type: GrantFiled: September 2, 2014Date of Patent: June 22, 2021Assignee: Apple Inc.Inventors: George R. Dicker, Christopher B. Sharp, Ahmer A. Khan, Yousuf H. Vaid, Glen W. Steele, Christopher D. Adams, David T. Haggerty
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Patent number: 11037131Abstract: To facilitate conducting a financial transaction via wireless communication between an electronic device and another electronic device, a secure element in the electronic device receives, from a third party, a notification associated with a financial transaction. This third party may be independent of a counterparty in the financial transaction, such as: a provider of the electronic device or a payment network that processes payment for the financial transaction. In response to the notification, the secure element requests, from the third party, receipt information associated with the financial transaction, and then receives the receipt information from the third party. This receipt information may include a first-level information, such as payment status. Alternatively or additionally, the receipt information may include a second-level information, such as an itemized list of purchased items, links to information and/or discounts.Type: GrantFiled: September 2, 2014Date of Patent: June 15, 2021Assignee: Apple Inc.Inventors: Yousuf H. Vaid, George R. Dicker, Ahmer A. Khan, Christopher B. Sharp, Glen W. Steele, Christopher D. Adams, David T. Haggerty
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Patent number: 11037150Abstract: The present disclosure generally relates to transaction user interfaces. In some examples, a user is notified if there is an error with transaction parameters and the device determines whether potentially compatible transaction parameters are available on the electronic device. In some examples, the user is notified if there is an error with transaction parameters and the user is prompted to use another device to enter new transaction information.Type: GrantFiled: February 15, 2017Date of Patent: June 15, 2021Assignee: Apple Inc.Inventors: Marcel Van Os, Oluwatomiwa B. Alabi, Peter D. Anton, Leonardo N. Cantelmo, George R. Dicker, Morgan Grainger, Kevin Lynch, Nicholas J. Shearer, Simon Tickner
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Publication number: 20210174358Abstract: Systems, methods, and computer-readable media for provisioning credentials on an electronic device are provided. In one example embodiment, a secure platform system may be in communication with an electronic device and a financial institution subsystem.Type: ApplicationFiled: November 9, 2020Publication date: June 10, 2021Inventors: David T. HAGGERTY, George R. DICKER, Joakim LINDE, Ahmer A. KHAN, Timothy S. HURLEY
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Patent number: 11017384Abstract: A system for provisioning credentials onto an electronic device is provided. The system may include a payment network subsystem, a service provider subsystem, a primary user device, and a secondary user device. The user may select a particular payment card to provision onto the secondary user device by providing an input at the primary user device. A broker module running on the service provider subsystem may then transfer a disabled pass to the secondary user device. Concurrently, the payment network subsystem may direct a trusted service manager module on the service provider subsystem to write credential information onto a secure element within the secondary user device. Once the secure element has been updated, the broker module may provide an activated pass to the secondary user device so that the secondary user device can be used to perform NFC-based financial transactions at a merchant terminal.Type: GrantFiled: September 2, 2014Date of Patent: May 25, 2021Assignee: Apple Inc.Inventors: Jeremy T. Brown, George R. Dicker, Glen W. Steele, Morgan J. Grainger, Zachary A. Rosen
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Patent number: 10977651Abstract: The present disclosure relates to making payments with a mobile device. In one example process, the mobile device receives and stores information for one or more payment accounts on the mobile device. The mobile device is used to make payments using the payment accounts. In some examples, authorization to proceed with a payment is performed before each purchase made by the user. The authorization process can include receiving a verification of the user, such as a fingerprint scan or passcode. In some examples, a payment account is selected from among available payment accounts. In some examples, an indication is displayed of a digital item associated with a purchased item. In some examples, a payment transaction is initiated with participants of an ongoing communication. In some examples, an application of a retailer is invoked based on the availability of the application. In some examples, a purchase recommendation is provided.Type: GrantFiled: August 11, 2020Date of Patent: April 13, 2021Assignee: Apple Inc.Inventors: Marcel Van Os, Christopher D. Adams, Charles Ahn, Pablo F. Caro, George R. Dicker, Craig M. Federighi, Woo-Ram Lee, Brian Tucker, Giancarlo Yerkes
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Patent number: 10902424Abstract: The present disclosure relates to making payments with a mobile device. In one example process, the mobile device receives and stores information for one or more payment accounts on the mobile device. The mobile device is used to make payments using the payment accounts. In some examples, authorization to proceed with a payment is performed before each purchase made by the user. The authorization process can include receiving a verification of the user, such as a fingerprint scan or passcode. In some examples, a payment account is selected from among available payment accounts. In some examples, an indication is displayed of a digital item associated with a purchased item. In some examples, a payment transaction is initiated with participants of an ongoing communication. In some examples, an application of a retailer is invoked based on the availability of the application. In some examples, a purchase recommendation is provided.Type: GrantFiled: May 30, 2018Date of Patent: January 26, 2021Assignee: Apple Inc.Inventors: Marcel Van Os, Pablo F. Caro, Woo-Ram Lee, George R. Dicker, Christopher D. Adams, Charles Ahn, Craig M. Federighi, Brian Tucker, Giancarlo Yerkes
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Patent number: 10861090Abstract: Systems, methods, and computer-readable media for provisioning credentials on an electronic device are provided. In one example embodiment, a secure platform system may be in communication with an electronic device and a financial institution subsystem.Type: GrantFiled: September 2, 2014Date of Patent: December 8, 2020Assignee: Apple Inc.Inventors: David T. Haggerty, George R. Dicker, Joakim Linde, Ahmer A. Khan, Timothy S. Hurley
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Publication number: 20200372514Abstract: The present disclosure relates to making payments with a mobile device. In one example process, the mobile device receives and stores information for one or more payment accounts on the mobile device. The mobile device is used to make payments using the payment accounts. In some examples, authorization to proceed with a payment is performed before each purchase made by the user. The authorization process can include receiving a verification of the user, such as a fingerprint scan or passcode. In some examples, a payment account is selected from among available payment accounts. In some examples, an indication is displayed of a digital item associated with a purchased item. In some examples, a payment transaction is initiated with participants of an ongoing communication. In some examples, an application of a retailer is invoked based on the availability of the application. In some examples, a purchase recommendation is provided.Type: ApplicationFiled: August 11, 2020Publication date: November 26, 2020Inventors: Marcel VAN OS, Christopher D. ADAMS, Charles AHN, Pablo F. CARO, George R. DICKER, Craig M. FEDERIGHI, Woo-Ram LEE, Brian TUCKER, Giancarlo YERKES
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Publication number: 20200366742Abstract: The present disclosure generally relates to techniques for managing a remote authorization to proceed with an action, such as creating a secure network connection. In some examples, a requesting device receives selection of one or more options. The requesting device transmits a request to proceed with an action to an authenticating device. The authenticating device concurrently displays an indication of the request to proceed with the action, information about the selected one or more options, and an indication of the requesting device. The authenticating device receives authorization to proceed with the action and transmits a response to the requesting device regarding the request to proceed with the action.Type: ApplicationFiled: August 6, 2020Publication date: November 19, 2020Inventors: Marcel VAN OS, Oluwatomiwa B. ALABI, Peter D. ANTON, George R. DICKER, Anton K. DIEDERICH, Donald W. PITSCHEL, Nicholas J. SHEARER
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Patent number: 10796309Abstract: An electronic device with a display and a biometric input sensor is described.Type: GrantFiled: October 29, 2019Date of Patent: October 6, 2020Assignee: Apple Inc.Inventors: Marcel Van Os, Pablo F. Caro, George R. Dicker, Anton K. Diederich