Patents by Inventor Glen W. STEELE
Glen W. STEELE 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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Patent number: 11922408Abstract: 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: April 23, 2021Date of Patent: March 5, 2024Assignee: Apple Inc.Inventors: Jeremy T. Brown, George R. Dicker, Glen W. Steele, Morgan J. Grainger, Zachary A. Rosen
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Publication number: 20240037533Abstract: A device implementing an express credential transaction system includes at least one processor configured to receive an indication that a payment applet for a service provider has been provisioned on a secure element of the device with a first attribute indicating that the payment applet can be utilized for a transaction without authentication associated with the transaction. The processor is configured to set the first attribute of the payment applet to indicate that authentication is required to utilize the payment applet when another payment applet for the service provider provisioned on the secure element of the device has an attribute that indicates the other payment applet can be utilized for the transaction without user authentication. The at least one processor is configured to control whether the user authentication is requested when utilizing the payment applet or the other payment applet, respectively, in transactions.Type: ApplicationFiled: October 10, 2023Publication date: February 1, 2024Inventors: Najeeb M. ABDULRAHIMAN, Matthias LERCH, George R. DICKER, Oren M. ELRAD, Glen W. STEELE, Charles T. AHN, Onur E. TACKIN, Gordon Y. SCOTT
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Publication number: 20230394464Abstract: 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: ApplicationFiled: August 17, 2023Publication date: December 7, 2023Applicant: Apple Inc.Inventors: Aaron M. Melim, Christine A. Franco, Glen W. Steele, Mischa K. McLachlan, Michael Artemiw, Ashish C. Nagre, David T. Haggerty, Fadi S. Obeid, Katie M. McIndoe, Richard W. Heard, Rima Kakarla, Akila Suresh, Jarad M. Fisher
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Patent number: 11810100Abstract: 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: GrantFiled: May 31, 2022Date of Patent: November 7, 2023Assignee: Apple Inc.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
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Patent number: 11797968Abstract: The present disclosure generally relates to user interfaces for managing peer-to-peer transfers. In some examples, a device provides user interfaces for initiating and managing transfers. In some examples, a device provides user interfaces corresponding to completed transfers. In some examples, a device provides user interfaces for providing visually distinguishable message object appearances based on message designation. In some examples, a device provides user interfaces for activating accounts for accepting and sending transfers. In some examples, a device provides user interfaces for exchanging accounts for use in a transfer. In some examples, a device provides user interfaces for splitting transfers between two or more accounts. In some examples, a device provides user interfaces for generating and displaying a transfers history list. In some examples, a device provides user interfaces for voice-activation of transfers.Type: GrantFiled: May 14, 2021Date of Patent: October 24, 2023Assignee: Apple Inc.Inventors: Marcel Van Os, Peter D. Anton, Jared Crawford, Allison Dryer, Cas Lemmens, Glen W. Steele
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Publication number: 20230334522Abstract: The present disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using an electronic device with an electronic wallet. Various accounts are linked to the electronic device. In some examples, the electronic device is NFC-enabled. The electronic device may be used to provide loyalty account information and payment account information to a payment terminal, such as an NFC-enabled payment terminal.Type: ApplicationFiled: June 16, 2023Publication date: October 19, 2023Inventors: Marcel VAN OS, Donald W. PITSCHEL, Gregg SUZUKI, Lawrence Y. YANG, Peter D. ANTON, Glen W. STEELE, George R. DICKER
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Patent number: 11769141Abstract: 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: GrantFiled: September 19, 2022Date of Patent: September 26, 2023Assignee: Apple Inc.Inventors: Aaron M. Melim, Christine A. Franco, Glen W. Steele, Mischa K. McLachlan, Michael Artemiw, Ashish C. Nagre, David T. Haggerty, Fadi S. Obeid, Katie M. McIndoe, Richard W. Heard, Rima Kakarla, Akila Suresh, Jarad M. Fisher
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Patent number: 11734708Abstract: The present disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using an electronic device with an electronic wallet. Various accounts are linked to the electronic device. In some examples, the electronic device is NFC-enabled. The electronic device may be used to provide loyalty account information and payment account information to a payment terminal, such as an NFC-enabled payment terminal.Type: GrantFiled: January 27, 2022Date of Patent: August 22, 2023Assignee: Apple Inc.Inventors: Marcel Van Os, Donald W. Pitschel, Gregg Suzuki, Lawrence Y. Yang, Peter D. Anton, Glen W. Steele, George R. Dicker
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Patent number: 11669896Abstract: In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.Type: GrantFiled: December 21, 2021Date of Patent: June 6, 2023Assignee: Apple Inc.Inventors: Marcel Van Os, Jae Woo Chang, Teofila Connor, Alan C. Dye, Jarad M. Fisher, Corey Fugman, Richard W. Heard, Mischa McLachlan, Aaron Melim, Ashish C. Nagre, Glen W. Steele
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Publication number: 20230153899Abstract: In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.Type: ApplicationFiled: January 17, 2023Publication date: May 18, 2023Inventors: Marcel VAN OS, Jennifer J. BAILEY, Jae Woo CHANG, Teofila CONNOR, Jarad FISHER, Richard W. HEARD, Ashish NAGRE, Glen W. STEELE, Andrew I. WILLIAMS
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Publication number: 20230081617Abstract: In some implementations, documents can be presented on a display of a computing device based on a context of the computing device. The context can include a current time and/or current location associated with the computing device. The documents can be presented based on a time and/or location associated with the documents. Documents can be downloaded and shared between devices. Documents can be dynamically updated based on document vendor provided information and/or other network based resources. In some implementations, the various graphical interfaces described herein provide access to a variety of document types in an organized and efficient manner.Type: ApplicationFiled: November 22, 2022Publication date: March 16, 2023Inventors: Chanaka G. KARUNAMUNI, Marcel VAN OS, Scott HERZ, Eliza BLOCK, Glen W. STEELE, Ken FERRY, Peter LAURENS
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Patent number: 11562325Abstract: In some implementations, documents can be presented on a display of a computing device based on a context of the computing device. The context can include a current time and/or current location associated with the computing device. The documents can be presented based on a time and/or location associated with the documents. Documents can be downloaded and shared between devices. Documents can be dynamically updated based on document vendor provided information and/or other network based resources. In some implementations, the various graphical interfaces described herein provide access to a variety of document types in an organized and efficient manner.Type: GrantFiled: June 6, 2019Date of Patent: January 24, 2023Assignee: Apple Inc.Inventors: Chanaka G. Karunamuni, Marcel Van Os, Scott Herz, Eliza Block, Glen W. Steele, Ken Ferry, Peter Laurens
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Publication number: 20230018011Abstract: 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: ApplicationFiled: September 19, 2022Publication date: January 19, 2023Applicant: Apple Inc.Inventors: Aaron M. Melim, Christine A. Franco, Glen W. Steele, Mischa K. McLachlan, Michael Artemiw, Ashish C. Nagre, David T. Haggerty, Fadi S. Obeid, Katie M. McIndoe, Richard W. Heard, Rima Kakarla, Akila Suresh, Jarad M. Fisher
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Patent number: 11488136Abstract: 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: GrantFiled: June 10, 2019Date of Patent: November 1, 2022Assignee: Apple Inc.Inventors: Christopher Sharp, David T. Haggerty, George R. Dicker, Glen W. Steele, Matthew R. Murphy, Timothy S. Hurley
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Publication number: 20220343318Abstract: 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: ApplicationFiled: May 31, 2022Publication date: October 27, 2022Applicant: Apple Inc.Inventors: Aaron N. Melim, Christine A. Franco, Glen W. Steele, Mischa K. McLachlan, Michael Artemiw, Ashish C. Nagre, David T. Haggerty, Fadi S. Obeid, Katie M. McIndoe, Richard W. Heard, Rima Kakarla, Akila Suresh, Jarad M. Fisher
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Patent number: 11392937Abstract: 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: July 19, 2022Assignee: 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: 11348092Abstract: 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: GrantFiled: March 23, 2020Date of Patent: May 31, 2022Assignee: Apple Inc.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
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Publication number: 20220148027Abstract: The present disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using an electronic device with an electronic wallet. Various accounts are linked to the electronic device. In some examples, the electronic device is NFC-enabled. The electronic device may be used to provide loyalty account information and payment account information to a payment terminal, such as an NFC-enabled payment terminal.Type: ApplicationFiled: January 27, 2022Publication date: May 12, 2022Inventors: Marcel VAN OS, Donald W. PITSCHEL, Gregg SUZUKI, Lawrence Y. YANG, Peter D. ANTON, Glen W. STEELE, George R. DICKER
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Patent number: 11328352Abstract: In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.Type: GrantFiled: August 23, 2019Date of Patent: May 10, 2022Assignee: Apple Inc.Inventors: Marcel Van Os, Michael Artemiw, Alan C. Dye, Jarad M. Fisher, Richard W. Heard, Christine Franco, Pedro Mari, Mischa McLachlan, Aaron Melim, Ashish C. Nagre, Glen W. Steele, Akila Suresh
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Patent number: 11321731Abstract: The present disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using an electronic device with an electronic wallet. Various accounts are linked to the electronic device. In some examples, the electronic device is NFC-enabled. The electronic device may be used to provide loyalty account information and payment account information to a payment terminal, such as an NFC-enabled payment terminal.Type: GrantFiled: March 10, 2020Date of Patent: May 3, 2022Assignee: Apple Inc.Inventors: Marcel Van Os, Donald W. Pitschel, Gregg Suzuki, Lawrence Y. Yang, Peter D. Anton, Glen W. Steele, George R. Dicker