Patents by Inventor Ahmer A. Khan

Ahmer A. Khan 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).

  • Patent number: 11178124
    Abstract: Systems, methods, and computer-readable media for securely pairing a secure element and a processor of an electronic device are provided. In one example embodiment, a method, at an electronic device, includes, inter alia, deriving a key using a processor of the electronic device, sharing the derived key with a commercial entity subsystem, and receiving the shared key from the commercial entity subsystem at a secure element of the electronic device, where the received key may be leveraged for enabling a secure communication channel between the processor and the secure element. Additional embodiments are also provided.
    Type: Grant
    Filed: September 2, 2014
    Date of Patent: November 16, 2021
    Assignee: Apple Inc.
    Inventors: Ahmer A. Khan, Jerrold V. Hauck
  • Publication number: 20210295282
    Abstract: 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: Application
    Filed: June 8, 2021
    Publication date: September 23, 2021
    Applicant: Apple Inc.
    Inventors: George R. DICKER, Christopher B. SHARP, Ahmer A. KHAN, Yousuf H. VAID, Glen W. STEELE, Christopher D. ADAMS, David T. HAGGERTY
  • Patent number: 11120442
    Abstract: 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: Grant
    Filed: September 30, 2014
    Date of Patent: September 14, 2021
    Assignee: Apple Inc.
    Inventors: Timothy S. Hurley, Ahmer A. Khan, George R. Dicker, Christopher Sharp
  • Patent number: 11068875
    Abstract: Using electronic devices (such as cellular telephones) that communicate wirelessly, two individuals can make person-to-person payments. In particular, an individual using an electronic device may identify another proximate electronic device of a counterparty in a financial transaction, and may provide an encrypted payment packet to the other electronic device that includes: a financial credential for a financial account of the individual, a payment amount, and a payment sign. When the other electronic device receives the encrypted payment applet, the counterparty may accept the payment in the financial transaction specified by the encrypted payment packet. Then, the other electronic device may provide the encrypted payment packet and another encrypted payment packet (with a financial credential for a financial account of the counterparty, the payment amount and the opposite payment sign) to a third party that completes the financial transaction.
    Type: Grant
    Filed: September 30, 2014
    Date of Patent: July 20, 2021
    Assignee: Apple, Inc.
    Inventors: Ahmer A. Khan, Timothy S. Hurley
  • Patent number: 11068883
    Abstract: Methods and apparatus for the deployment of financial instruments and other assets are disclosed. In one embodiment, a security software protocol is disclosed that guarantees that the asset is always securely encrypted, that one and only one copy of an asset exists, and the asset is delivered to an authenticated and/or authorized customer. Additionally, exemplary embodiments of provisioning systems are disclosed that are capable of, among other things, handling large bursts of traffic (such as can occur on a so-called “launch day” of a device).
    Type: Grant
    Filed: April 7, 2017
    Date of Patent: July 20, 2021
    Assignee: Apple Inc.
    Inventors: David T. Haggerty, Ahmer A. Khan, Christopher B. Sharp, Jerrold Von Hauck, Joakim Linde, Kevin P. McLaughlin, Mehdi Ziat, Yousuf H. Vaid
  • Patent number: 11042846
    Abstract: 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: Grant
    Filed: September 2, 2014
    Date of Patent: June 22, 2021
    Assignee: Apple Inc.
    Inventors: George R. Dicker, Christopher B. Sharp, Ahmer A. Khan, Yousuf H. Vaid, Glen W. Steele, Christopher D. Adams, David T. Haggerty
  • Patent number: 11037131
    Abstract: 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: Grant
    Filed: September 2, 2014
    Date of Patent: June 15, 2021
    Assignee: Apple Inc.
    Inventors: Yousuf H. Vaid, George R. Dicker, Ahmer A. Khan, Christopher B. Sharp, Glen W. Steele, Christopher D. Adams, David T. Haggerty
  • Publication number: 20210174358
    Abstract: 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: Application
    Filed: November 9, 2020
    Publication date: June 10, 2021
    Inventors: David T. HAGGERTY, George R. DICKER, Joakim LINDE, Ahmer A. KHAN, Timothy S. HURLEY
  • Publication number: 20210160081
    Abstract: Techniques are disclosed relating to authenticating a user with a mobile device. In various embodiments, a mobile device receives a request to provision the mobile device with identification information from an identification document issued by an authority to a user for establishing an identity of the user. In response to the received request, the mobile device issues a request for verification information signed by the authority and usable to verify the identification information. The issued request identifies multiple public keys of the mobile device, each having a respective corresponding private key for generating a signature usable to verify the identification information. The mobile device receives and stores the signed verification information, the signed verification information including the plurality of public keys. In some embodiments, the mobile device receives a request provide, at least, a portion of the identification information and selects one of the private keys to generate a signature.
    Type: Application
    Filed: September 25, 2020
    Publication date: May 27, 2021
    Inventors: Martijn T. Haring, Ahmer A. Khan, Xiangying Yang
  • Publication number: 20210150523
    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.
    Type: Application
    Filed: December 28, 2020
    Publication date: May 20, 2021
    Inventors: Manoj K. Thulaseedharan PILLAI, Ahmer A. KHAN, Thomas ELLIOTT, Timothy S. HURLEY, Jennifer J. BAILEY, David E. BRUDNICKI
  • Patent number: 10977642
    Abstract: Methods for operating a portable electronic device to conduct a mobile payment transaction at a merchant terminal are provided. The electronic device may verify that the current user of the device is indeed the authorized owner by requiring the current user to enter a passcode. If the user is able to provide the correct passcode, the device is only partly ready to conduct a mobile payment. In order for the user to fully activate the payment function, the user may have to supply a predetermined payment activation input such as a double button press that notifies the device that the user intends to perform a financial transaction in the immediate future. The device may subsequently activate a payment applet for a predetermined period of time during which the user may hold the device within a field of the merchant terminal to complete a near field communications based mobile payment transaction.
    Type: Grant
    Filed: April 25, 2019
    Date of Patent: April 13, 2021
    Assignee: Apple Inc.
    Inventors: Ahmer A. Khan, Gregory B. Novick, Jerrold V. Hauck, Saket R. Vora, Yehonatan Perez
  • Publication number: 20210105265
    Abstract: Techniques are disclosed relating to authenticating a user with a mobile device. In some embodiments, a computing device stores a first signed attestation indicating an ability of the computing device to securely perform a user authentication. The computing device receives a request to store credential information of an identification document issued by an issuing authority to a user for establishing an identity of the user. In response to the request, the computing device sends, to the issuing authority, a request to store the credential information, the sent request including the first signed attestation to indicate an ability to perform a user authentication prior to permitting access to the credential information. In response to an approval of the sent request based on the first signed attestation, the computing device stores the credential information in a secure element of the computing device.
    Type: Application
    Filed: September 25, 2020
    Publication date: April 8, 2021
    Inventors: Xiangying Yang, Ahmer A. Khan, Martijn T. Haring
  • Patent number: 10929843
    Abstract: Systems, methods, and computer-readable media for efficiently storing credential service provider data in a security domain of a secure element of an electronic device are provided. In one example embodiment, an electronic device may include a secure element that, inter alia, receives credential service provider data from a secure element vendor subsystem, and that encrypts a key of the secure element with the received credential service provider data. The electronic device may also include a communications component that transmits the encrypted key to a credential service provider. Additional embodiments are also provided.
    Type: Grant
    Filed: September 2, 2014
    Date of Patent: February 23, 2021
    Assignee: Apple Inc.
    Inventor: Ahmer A. Khan
  • Publication number: 20210026436
    Abstract: Systems, methods, and computer-readable media for managing near field communications during a low power management mode of an electronic device are provided that may make credentials of a near field communication (“NFC”) component appropriately secure and appropriately accessible while also limiting the power consumption of the NFC component and of other components of the electronic device.
    Type: Application
    Filed: October 9, 2020
    Publication date: January 28, 2021
    Inventors: Ahmer A. KHAN, Joakim LINDE, Joseph HAKIM, Zachary A. ROSEN
  • Patent number: 10878414
    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.
    Type: Grant
    Filed: September 23, 2016
    Date of Patent: December 29, 2020
    Assignee: Apple Inc.
    Inventors: Manoj K. Thulaseedharan Pillai, Ahmer A. Khan, Thomas Elliott, Timothy S. Hurley, Jennifer J. Bailey, David E. Brudnicki
  • Patent number: 10861090
    Abstract: 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: Grant
    Filed: September 2, 2014
    Date of Patent: December 8, 2020
    Assignee: Apple Inc.
    Inventors: David T. Haggerty, George R. Dicker, Joakim Linde, Ahmer A. Khan, Timothy S. Hurley
  • Patent number: 10838481
    Abstract: Systems, methods, and computer-readable media for managing near field communications during a low power management mode of an electronic device are provided that may make credentials of a near field communication (“NFC”) component appropriately secure and appropriately accessible while also limiting the power consumption of the NFC component and of other components of the electronic device.
    Type: Grant
    Filed: February 19, 2019
    Date of Patent: November 17, 2020
    Assignee: Apple Inc.
    Inventors: Ahmer A. Khan, Joakim Linde, Joseph Hakim, Zachary A. Rosen
  • Publication number: 20200320188
    Abstract: A device for controlled identity credential release may include at least one processor configured to receive a request to release an identity credential of a user, the identity credential being stored on the device. The at least one processor may be further configured to authenticate the user associated with the identity credential. The at least one processor may be further configured to, responsive to the authentication, provide at least a portion of the identity credential, such as for display and/or to a terminal device over a direct wireless connection. The at least one processor may be further configured to cause the electronic device to enter a locked state and/or to remain in a locked state, responsive to providing the at least the portion of the identity credential.
    Type: Application
    Filed: April 3, 2020
    Publication date: October 8, 2020
    Inventors: Irene M. GRAFF, Ahmer A. KHAN, Christopher SHARP, Libor SYKORA, Lucia E. BALLARD, Rupamay SAHA
  • Patent number: 10685346
    Abstract: To facilitate conducting a secure transaction via wireless communication between a portable electronic device (such as a smartphone) and another electronic device (such as a point-of-sale terminal), the portable electronic device may, after a final command is received from the other electronic device, determine a unique transaction identifier for the secure transaction. In particular, the final command may be specific to an applet, stored in a secure element in the portable electronic device, which conducts the secure transaction. The secure element may generate the unique transaction identifier based on financial-account information associated with the applet, which is communicated to the other electronic device. Next, the secure element may provide, to a processor in the portable electronic device, an end message for the secure transaction with the unique transaction identifier.
    Type: Grant
    Filed: September 24, 2018
    Date of Patent: June 16, 2020
    Assignee: Apple Inc.
    Inventors: Ahmer A. Khan, Zachary A. Rosen, Joakim Linde
  • Publication number: 20200186367
    Abstract: A device for wireless terminal authentication may include at least one processor configured to receive, from a wireless terminal device, a request for user information, the request comprising a certificate corresponding to the wireless terminal device. The at least one processor may be further configured to verify the certificate based at least in part on a public key stored on the electronic device. The at least one processor may be further configured to, when the certificate is verified, determine whether the certificate indicates that the wireless terminal device is authorized to receive the requested user information. The at least one processor may be further configured to transmit, to the wireless terminal device, the requested user information when the certificate indicates that the wireless terminal device is authorized to receive the requested user information.
    Type: Application
    Filed: December 9, 2019
    Publication date: June 11, 2020
    Inventors: Xiangying YANG, Ahmer A. KHAN