Patents by Inventor David T. Haggerty

David T. Haggerty 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).

  • 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
  • Publication number: 20210295280
    Abstract: Techniques for providing optimized digital information including receiving a request for authorization to access a subset of order information that corresponds to a transaction. A account server can generate a first authorization token based at least in part on the request for authorization. The account server can transmit at least the first authorization token to the application of the user device. The account server can receive a verification request comprising a second authorization token. The account server can verify whether the first authorization token matches the second authorization token. In accordance with a determination that the first authorization token matches the second authorization token, the account server can transmit, to the service provider, a verification response that instructs the service provider to provide the subset of the order information that corresponds to the transaction to the application of the user device.
    Type: Application
    Filed: March 22, 2021
    Publication date: September 23, 2021
    Applicant: Apple Inc.
    Inventors: Scott D. Blakesley, Akila Suresh, Brian D. Jett, David T. Haggerty, Richard W. Heard
  • 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: 11051159
    Abstract: Methods and apparatus for managing multiple user access control entities or clients. For example, in one embodiment, a “wallet” of electronic subscriber identity modules (eSIMs) may be stored and used at a user device and/or distributed to other devices for use thereon. In another embodiment, a networked server may store and distribute eSIM to a plurality of user devices in communication therewith. A database of available eSIM is maintained at the wallet entity and/or at the network which enables request for a particular eSIM to be processed and various rules for the distribution thereof to be implemented. Security precautions are implemented to protect both user and network carrier specific data as the data is transmitted between networked entities. Solutions for eSIM backup and restoration are also described.
    Type: Grant
    Filed: February 4, 2019
    Date of Patent: June 29, 2021
    Assignee: Apple Inc.
    Inventors: Stephan V. Schell, David T. Haggerty
  • 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
  • Patent number: 10985926
    Abstract: Embodiments provided herein identify a certificate issuer (CI) to be relied on as a trusted third party by an electronic subscriber identity module (eSIM) server in remote SIM provisioning (RSP) transactions with an embedded universal integrated circuit card (eUICC). In an RSP ecosystem, multiple CIs may exist. Parties rely on public key infrastructure (PKI) techniques for establishment of trust. Trust may be established based on a trusted third party such as a CI. Parties need to agree on the CI in order for some PKI techniques to be useful. Embodiments provided herein describe approaches for an eUICC and an eSIM server to arrive at an agreed-on CI. Candidate or negotiated CIs may be indicated on a public key identifier (PKID) list. A PKID list is distributed, in some embodiments, by means of a discovery server, via an activation code (AC) and/or during the establishment of a profile provisioning session.
    Type: Grant
    Filed: August 30, 2018
    Date of Patent: April 20, 2021
    Assignee: Apple Inc.
    Inventors: Xiangying Yang, Avinash Narasimhan, Li Li, David I. Ahn, Jean-Marc Padova, Clark P. Mueller, David T. Haggerty
  • Publication number: 20210042780
    Abstract: The present technology provides a technological infrastructure that overcomes common problems associated with cash back rewards cards. The present invention integrates a credit card account with cash account through an electronic wallet application such that cash can be transferred directly into a user's cash account after each transaction which cash back is earned. In some embodiments, the user's cash account and a cash account associated with a business associated with a credit card can be provided by the same financial institution. The above infrastructure further allows for more efficient payment of a credit card balance, wherein when cash is transferred from the user's cash account to the business' cash account in association with a credit card balance, an immediate release of open to buy funds is affected.
    Type: Application
    Filed: July 31, 2020
    Publication date: February 11, 2021
    Inventors: Akila Suresh, Corey G. Fugman, David T. Haggerty, Eduardo H. Cue, Jarad M. Fisher, Ashish Nagre, Richard Heard
  • Patent number: 10911944
    Abstract: Methods and apparatus for activating a purchased or previously deployed device by a subscriber. In one embodiment, activation includes authenticating the device to a service provider or carrier, and providing the device with data necessary for enabling the service to the device. In one variant, a user device is activated at a retail store, with the assistance of a carrier representative. In another variant, user equipment is activated via a communications network without the assistance of a representative. In yet another variant, the user equipment is activated via the Internet without the assistance of a representative. The provision of access data includes pre-assigning eSIM from a population of unassigned eSIMs to certain devices for various carrier networks. Alternatively, the eSIM may be assigned on an as-needed basis. Unassigned and/or unused eSIMs can be released (or sold back to the vendor) and/or reused. Solutions for eSIM backup and restoration are also described.
    Type: Grant
    Filed: June 17, 2019
    Date of Patent: February 2, 2021
    Assignee: Apple Inc.
    Inventors: Stephan V. Schell, David T. Haggerty
  • 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: 10856148
    Abstract: Methods and apparatus for user authentication and human intent verification of administrative operations for eSIMs of an eUICC included in a mobile device are disclosed. Certain administrative operations, such as import, modification, and/or export, of an eSIM and/or for an eUICCs firmware can require user authentication and/or human intent verification before execution of the administrative operations are performed or completed by the mobile device. A user of the mobile device provides information to link an external user account to an eSIM upon (or subsequent to) installation on the eUICC. User credentials, such as a user name and password, and/or information generated therefrom, can be used to authenticate the user with an external server. In response to successful user authentication, the administrative operations are performed. Human intent verification can also be performed in conjunction with user authentication to prevent malware from interfering with eSIM and/or eUICC functions of the mobile device.
    Type: Grant
    Filed: August 30, 2019
    Date of Patent: December 1, 2020
    Assignee: Apple Inc.
    Inventors: Li Li, Xiangying Yang, Jerrold Von Hauck, Christopher B. Sharp, Yousuf H. Vaid, Arun G. Mathias, David T. Haggerty, Najeeb M. Abdulrahiman
  • Publication number: 20200302425
    Abstract: The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health—at least as it pertains to a credit account for which the statement was issued.
    Type: Application
    Filed: March 23, 2020
    Publication date: September 24, 2020
    Inventors: Michael Artemiw, Aaron M. Melim, Ashish C. Nagre, Christine A. Franco, David T. Haggerty, Fadi S. Obeid, Glen W. Steele, Katie M. McIndoe, Mischa K. McLachlan, Richard W. Heard, Rima Kakarla, Akila Suresh, Jarad M. Fisher
  • Publication number: 20200177450
    Abstract: Representative embodiments described herein set forth techniques for optimizing large-scale deliveries of electronic Subscriber Identity Modules (eSIMs) to mobile devices. Specifically, instead of generating and assigning eSIMs when mobile devices are being activated—which can require significant processing overhead—eSIMs are pre-generated with a basic set of information, and are later-assigned to the mobile devices when they are activated. This can provide considerable benefits over conventional approaches that involve generating and assigning eSIMs during mobile device activation, especially when new mobile devices (e.g., smartphones, tablets, etc.) are being launched and a large number of eSIM assignment requests are to be fulfilled in an efficient manner.
    Type: Application
    Filed: February 3, 2020
    Publication date: June 4, 2020
    Inventors: Li LI, Yousuf H. VAID, Christopher B. SHARP, Arun G. MATHIAS, David T. HAGGERTY, Jerrold Von HAUCK
  • Patent number: 10574465
    Abstract: Embodiments provided herein determine if an electronic subscriber identity module (eSIM) associated with a requested service can be installed in a secure element (SE) housed in a wireless device. Before requesting deployment of an eSIM suitable for the requested service from an eSIM delivery server, a carrier server asks that an original equipment manufacturer (OEM) server validate that an eSIM corresponding to a customer request should be deployed. The OEM server obtains information about the wireless device and information about the SE. When the carrier server requests validation, the OEM server evaluates the wireless device information and/or the SE information. If the OEM server indicates that deployment of the eSIM should proceed, the OEM server also indicates the eSIM type that is compatible with the wireless device and with the SE housed in the device.
    Type: Grant
    Filed: May 17, 2017
    Date of Patent: February 25, 2020
    Assignee: Apple Inc.
    Inventors: Li Li, Clark P. Mueller, Avinash Narasimhan, Arun G. Mathias, David T. Haggerty, Najeeb M. Abdulrahiman, Jean-Marc Padova
  • Patent number: 10554487
    Abstract: Representative embodiments described herein set forth techniques for optimizing large-scale deliveries of electronic Subscriber Identity Modules (eSIMs) to mobile devices. Specifically, instead of generating and assigning eSIMs when mobile devices are being activated—which can require significant processing overhead—eSIMs are pre-generated with a basic set of information, and are later-assigned to the mobile devices when they are activated. This can provide considerable benefits over conventional approaches that involve generating and assigning eSIMs during mobile device activation, especially when new mobile devices (e.g., smartphones, tablets, etc.) are being launched and a large number of eSIM assignment requests are to be fulfilled in an efficient manner.
    Type: Grant
    Filed: May 17, 2016
    Date of Patent: February 4, 2020
    Assignee: Apple Inc.
    Inventors: Li Li, Yousuf H. Vaid, Christopher B. Sharp, Arun G. Mathias, David T. Haggerty, Jerrold Von Hauck
  • Publication number: 20200037161
    Abstract: Methods and apparatus that allow a device to migrate wireless service across multiple wireless networks. In one exemplary embodiment, the present invention enables storing and switching between multiple Electronic Subscriber Identity Modules (eSIM), where each eSIM is specific to a different carrier network. By loading the appropriate eSIM, the user device can authenticate itself with the selected carrier, rather than roaming. During roaming operation, the user equipment can load one or more of the previously stored eSIMs. Selection of the eSIM can be done manually by the user or can be driven by the user equipment based on desired context; for example, based on carrier signal strength, cost-effectiveness, etc. Support for multiple radio technologies also allows universal connectivity for wireless devices, even spanning previously incompatible technologies such as GSM (Global Standard for Mobile Communications), CDMA (Code Division Multiple Access), etc.
    Type: Application
    Filed: October 7, 2019
    Publication date: January 30, 2020
    Inventors: Stephan V. SCHELL, David T. HAGGERTY
  • Publication number: 20200036695
    Abstract: Systems, methods, and computer-readable media for using an online resource to manage credentials on an electronic device are provided. In one example embodiment, a method, at an electronic device, includes, inter alia, receiving account data via an online resource, accessing commerce credential status data from a secure element of the electronic device, providing initial credential management option data via the online resource based on the received account data and based on the accessed commerce credential status data, in response to the providing, receiving a selection of an initial credential management option via the online resource, and changing the status of a credential on the secure element based on the received selection. Additional embodiments are also provided.
    Type: Application
    Filed: June 10, 2019
    Publication date: January 30, 2020
    Inventors: Christopher Sharp, David T. Haggerty, George R. Dicker, Glen W. Steele, Matthew R. Murphy, Timothy S. Hurley
  • Publication number: 20190387402
    Abstract: Methods and apparatus for user authentication and human intent verification of administrative operations for eSIMs of an eUICC included in a mobile device are disclosed. Certain administrative operations, such as import, modification, and/or export, of an eSIM and/or for an eUICCs firmware can require user authentication and/or human intent verification before execution of the administrative operations are performed or completed by the mobile device. A user of the mobile device provides information to link an external user account to an eSIM upon (or subsequent to) installation on the eUICC. User credentials, such as a user name and password, and/or information generated therefrom, can be used to authenticate the user with an external server. In response to successful user authentication, the administrative operations are performed. Human intent verification can also be performed in conjunction with user authentication to prevent malware from interfering with eSIM and/or eUICC functions of the mobile device.
    Type: Application
    Filed: August 30, 2019
    Publication date: December 19, 2019
    Inventors: Li LI, Xiangying YANG, Jerrold Von HAUCK, Christopher B. SHARP, Yousuf H. VAID, Arun G. MATHIAS, David T. HAGGERTY, Najeeb M. ABDULRAHIMAN
  • Publication number: 20190373457
    Abstract: A device implementing multi-scheme transaction credentials for a mobile transaction system includes a processor configured to transmit, to a mobile transaction system server, a request to provision a transaction credential on a device secure element. The processor is further configured to receive, from the mobile transaction system server, a provisioning script that, when executed by the device secure element, provisions, on the device secure element, a first applet corresponding to a first transaction network for the transaction credential and a second applet corresponding to a second transaction network for the transaction credential, the first and second applets being provisioned as an applet group having a shared life cycle. The processor is configured to, upon execution of the provisioning script, provide, for display, a single representation of the transaction credential corresponding to both the first and second applets.
    Type: Application
    Filed: May 3, 2019
    Publication date: December 5, 2019
    Inventors: Yousuf H. VAID, Christopher SHARP, David T. HAGGERTY