Patents by Inventor Richard W. HEARD

Richard W. HEARD 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: 11328352
    Abstract: 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: Grant
    Filed: August 23, 2019
    Date of Patent: May 10, 2022
    Assignee: 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
  • Publication number: 20220114658
    Abstract: 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: Application
    Filed: December 21, 2021
    Publication date: April 14, 2022
    Inventors: Marcel VAN OS, Jae Woo CHANG, Teofila CONNOR, Alan C. DYE, Jarad M. FISCHER, Corey FUGMAN, Richard W. HEARD, Mischa MCLACHLAN, Aaron MELIM, Ashish C. NAGRE, Glen W. STEELE
  • Publication number: 20210374709
    Abstract: A first user device may request a provisioning system to create a restricted mobile payment account on a second user device. The provisioning system may send a registration notification to the second user device to trigger registration of the restricted mobile payment account. The provisioning system may also cause creation of the restricted mobile payment account based on account information received with the request from the first user device.
    Type: Application
    Filed: September 24, 2020
    Publication date: December 2, 2021
    Applicant: Apple Inc.
    Inventors: Akila Suresh, Muhammad Noman, Richard W. Heard, Katie M. McIndoe
  • Patent number: 11164179
    Abstract: Techniques are disclosed relating to securely receiving and storing credentials. In some embodiments, a computing device includes an application executable to supply a credential to an external system. A secure circuit of the computing device is configured to send, to a credential storage, a request for the credential, the request including a first certificate identifying a first public key and a stipulation to perform a user authentication before permitting use of a first private key corresponding to the first public key. The secure circuit receives, from the credential storage, the credential encrypted using the first public key and, based on the stipulation, performs the user authentication prior to decrypting the credential and supplying it to the application. In some embodiments, the secure circuit receives the first certificate by providing information about hardware included in the computing device to a hardware verification service.
    Type: Grant
    Filed: May 31, 2019
    Date of Patent: November 2, 2021
    Assignee: Apple, Inc.
    Inventors: Hubert Greiche, Gianpaolo Fasoli, Stacey R. Abrams, Richard W. Heard
  • 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
  • Publication number: 20210004454
    Abstract: Systems, methods, and computer-readable media for facilitating frictionless credential provisioning on a user electronic device are provided.
    Type: Application
    Filed: July 6, 2020
    Publication date: January 7, 2021
    Inventors: Benjamin D. Chester, Hubert Greiche, Richard W. Heard, Yousuf H. Vaid
  • 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: 20200302517
    Abstract: 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: Application
    Filed: August 23, 2019
    Publication date: September 24, 2020
    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
  • Publication number: 20200302519
    Abstract: 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: Application
    Filed: September 24, 2019
    Publication date: September 24, 2020
    Inventors: Marcel VAN OS, Jennifer BAILEY, Kristin CANAVAN, Jarad FISHER, Corey FUGMAN, Mischa MCLACHLAN, Aaron MELIM, Ashish NAGRE, Akila SURESH, Richard W. HEARD
  • Publication number: 20200234283
    Abstract: Techniques are disclosed relating to securely receiving and storing credentials. In some embodiments, a computing device includes an application executable to supply a credential to an external system. A secure circuit of the computing device is configured to send, to a credential storage, a request for the credential, the request including a first certificate identifying a first public key and a stipulation to perform a user authentication before permitting use of a first private key corresponding to the first public key. The secure circuit receives, from the credential storage, the credential encrypted using the first public key and, based on the stipulation, performs the user authentication prior to decrypting the credential and supplying it to the application. In some embodiments, the secure circuit receives the first certificate by providing information about hardware included in the computing device to a hardware verification service.
    Type: Application
    Filed: May 31, 2019
    Publication date: July 23, 2020
    Inventors: Hubert Greiche, Gianpaolo Fasoli, Stacey R. Abrams, Richard W. Heard
  • Publication number: 20180349881
    Abstract: A device implementing split transactions in a peer transaction system may include at least one processor configured to receive a request to transfer a transaction amount from a first account associated with a first user to a second account associated with a second user and determine that an available amount of the first account is less than the transaction amount. The at least one processor may be further configured to receive an indication of an other transaction resource and a portion of the transaction amount to be transferred from the other transaction resource and to obtain the portion of the transaction amount via the other transaction resource and a remaining portion of the transaction amount from the first account and transfer a combined amount into the second account that includes the portion of the transaction amount and the remaining portion of the transaction amount.
    Type: Application
    Filed: May 11, 2018
    Publication date: December 6, 2018
    Inventors: Glen W. STEELE, Richard W. HEARD, Matthew C. BYINGTON