Patents by Inventor Zachary A. Rosen

Zachary A. Rosen 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: 12223495
    Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for transmitting, as part of a polling loop, a value added services (VAS) command that includes capability data corresponding to a payment terminal. For example, the payment terminal can transmit a VAS command that advertises the payment terminal's capabilities as part of a polling loop. The payment terminal can listen for a response to the VAS command and, after receiving a response, the payment terminal may initiate a VAS protocol. The VAS command can also specify a mode in which the payment terminal is operating, such as a payment-only mode, a VAS mode, a payment-plus-VAS mode, etc.
    Type: Grant
    Filed: June 10, 2022
    Date of Patent: February 11, 2025
    Assignee: Apple Inc.
    Inventors: Ahmer Ali Khan, Brian J. Tucker, Ho Cheung Chung, Joakim Linde, Zachary A. Rosen, Gordon Y. Scott
  • Publication number: 20240185245
    Abstract: Techniques are disclosed relating to secure data storage. In various embodiments, a mobile device includes a wireless interface, a secure element, and a secure circuit. The secure element is configured to store confidential information associated with a plurality of users and to receive a request to communicate the confidential information associated with a particular one of the plurality of users. The secure element is further configured to communicate, via the wireless interface, the confidential information associated with the particular user in response to an authentication of the particular user. The secure circuit is configured to perform the authentication of the particular user. In some embodiments, the mobile device also includes a biosensor configured to collect biometric information from a user of the mobile device. In such an embodiment, the secure circuit is configured to store biometric information collected from the plurality of users by the biosensor.
    Type: Application
    Filed: October 16, 2023
    Publication date: June 6, 2024
    Inventors: Herve Sibert, Oren M. Elrad, Jerrold V. Hauck, Onur E. Tackin, Zachary A. Rosen, Matthias Lerch
  • Patent number: 11922408
    Abstract: 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: Grant
    Filed: April 23, 2021
    Date of Patent: March 5, 2024
    Assignee: Apple Inc.
    Inventors: Jeremy T. Brown, George R. Dicker, Glen W. Steele, Morgan J. Grainger, Zachary A. Rosen
  • Patent number: 11790365
    Abstract: Techniques are disclosed relating to secure data storage. In various embodiments, a mobile device includes a wireless interface, a secure element, and a secure circuit. The secure element is configured to store confidential information associated with a plurality of users and to receive a request to communicate the confidential information associated with a particular one of the plurality of users. The secure element is further configured to communicate, via the wireless interface, the confidential information associated with the particular user in response to an authentication of the particular user. The secure circuit is configured to perform the authentication of the particular user. In some embodiments, the mobile device also includes a biosensor configured to collect biometric information from a user of the mobile device. In such an embodiment, the secure circuit is configured to store biometric information collected from the plurality of users by the biosensor.
    Type: Grant
    Filed: July 23, 2021
    Date of Patent: October 17, 2023
    Assignee: Apple Inc.
    Inventors: Herve Sibert, Oren M. Elrad, Jerrold V. Hauck, Onur E. Tackin, Zachary A. Rosen, Matthias Lerch
  • Publication number: 20230127816
    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: December 23, 2022
    Publication date: April 27, 2023
    Inventors: Ahmer A. KHAN, Joakim LINDE, Joseph HAKIM, Zachary A. ROSEN
  • Patent number: 11556165
    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: October 9, 2020
    Date of Patent: January 17, 2023
    Assignee: Apple Inc.
    Inventors: Ahmer A. Khan, Joakim Linde, Joseph Hakim, Zachary A. Rosen
  • Publication number: 20220374868
    Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for transmitting, as part of a polling loop, a value added services (VAS) command that includes capability data corresponding to a payment terminal. For example, the payment terminal can transmit a VAS command that advertises the payment terminal's capabilities as part of a polling loop. The payment terminal can listen for a response to the VAS command and, after receiving a response, the payment terminal may initiate a VAS protocol. The VAS command can also specify a mode in which the payment terminal is operating, such as a payment-only mode, a VAS mode, a payment-plus-VAS mode, etc.
    Type: Application
    Filed: June 10, 2022
    Publication date: November 24, 2022
    Inventors: Ahmer Ali KHAN, Brian J. TUCKER, Ho Cheung CHUNG, Joakim LINDE, Zachary A. ROSEN, Gordon Y. SCOTT
  • Patent number: 11373168
    Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for transmitting, as part of a polling loop, a value added services (VAS) command that includes capability data corresponding to a payment terminal. For example, the payment terminal can transmit a VAS command that advertises the payment terminal's capabilities as part of a polling loop. The payment terminal can listen for a response to the VAS command and, after receiving a response, the payment terminal may initiate a VAS protocol. The VAS command can also specify a mode in which the payment terminal is operating, such as a payment-only mode, a VAS mode, a payment-plus-VAS mode, etc.
    Type: Grant
    Filed: June 1, 2016
    Date of Patent: June 28, 2022
    Inventors: Ahmer Ali Khan, Brian J. Tucker, Ho Cheung Chung, Joakim Linde, Zachary A. Rosen, Gordon Y. Scott
  • Publication number: 20220051257
    Abstract: Techniques are disclosed relating to secure data storage. In various embodiments, a mobile device includes a wireless interface, a secure element, and a secure circuit. The secure element is configured to store confidential information associated with a plurality of users and to receive a request to communicate the confidential information associated with a particular one of the plurality of users. The secure element is further configured to communicate, via the wireless interface, the confidential information associated with the particular user in response to an authentication of the particular user. The secure circuit is configured to perform the authentication of the particular user. In some embodiments, the mobile device also includes a biosensor configured to collect biometric information from a user of the mobile device. In such an embodiment, the secure circuit is configured to store biometric information collected from the plurality of users by the biosensor.
    Type: Application
    Filed: July 23, 2021
    Publication date: February 17, 2022
    Inventors: Herve Sibert, Oren M. Elrad, Jerrold V. Hauck, Onur E. Tackin, Zachary A. Rosen, Matthias Lerch
  • Publication number: 20210241268
    Abstract: 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: Application
    Filed: April 23, 2021
    Publication date: August 5, 2021
    Inventors: Jeremy T. Brown, George R. Dicker, Glen W. Steele, Morgan J. Grainger, Zachary A. Rosen
  • Patent number: 11074582
    Abstract: Techniques are disclosed relating to secure data storage. In various embodiments, a mobile device includes a wireless interface, a secure element, and a secure circuit. The secure element is configured to store confidential information associated with a plurality of users and to receive a request to communicate the confidential information associated with a particular one of the plurality of users. The secure element is further configured to communicate, via the wireless interface, the confidential information associated with the particular user in response to an authentication of the particular user. The secure circuit is configured to perform the authentication of the particular user. In some embodiments, the mobile device also includes a biosensor configured to collect biometric information from a user of the mobile device. In such an embodiment, the secure circuit is configured to store biometric information collected from the plurality of users by the biosensor.
    Type: Grant
    Filed: September 20, 2017
    Date of Patent: July 27, 2021
    Assignee: Apple Inc.
    Inventors: Herve Sibert, Oren M. Elrad, Jerrold V. Hauck, Onur E. Tackin, Zachary A. Rosen, Matthias Lerch
  • Patent number: 11017384
    Abstract: 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: Grant
    Filed: September 2, 2014
    Date of Patent: May 25, 2021
    Assignee: Apple Inc.
    Inventors: Jeremy T. Brown, George R. Dicker, Glen W. Steele, Morgan J. Grainger, Zachary A. Rosen
  • 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: 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
  • Patent number: 10699262
    Abstract: In certain embodiments, an electronic device can include a secure element that detects a mechanical input. The mechanical input can correspond to an instruction to transmit securely stored payment information to another device and/or to release such information to an application on the device (e.g., for use in an in-app commerce transaction). This feature can inhibit or prevent unauthorized transmission of payment information. When the mechanical input is detected, payment information can be transmitted to a point of sale (POS) terminal (e.g., via near-field communication) or released to an app on the device. Further, a user can either use default payment information or interact with the device (before or after providing the mechanical input) to select appropriate payment information for a transaction. For example, the user can select between credit cards, debit cards and/or stored-value cards (e.g., transit card).
    Type: Grant
    Filed: October 11, 2019
    Date of Patent: June 30, 2020
    Assignee: Apple Inc.
    Inventors: Jeremy T. Brown, Zachary A. Rosen, Morgan J. Grainger
  • 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: 20200042970
    Abstract: In certain embodiments, an electronic device can include a secure element that detects a mechanical input. The mechanical input can correspond to an instruction to transmit securely stored payment information to another device and/or to release such information to an application on the device (e.g., for use in an in-app commerce transaction). This feature can inhibit or prevent unauthorized transmission of payment information. When the mechanical input is detected, payment information can be transmitted to a point of sale (POS) terminal (e.g., via near-field communication) or released to an app on the device. Further, a user can either use default payment information or interact with the device (before or after providing the mechanical input) to select appropriate payment information for a transaction. For example, the user can select between credit cards, debit cards and/or stored-value cards (e.g., transit card).
    Type: Application
    Filed: October 11, 2019
    Publication date: February 6, 2020
    Applicant: Apple Inc.
    Inventors: Jeremy T. Brown, Zachary A. Rosen, Morgan J. Grainger
  • Patent number: 10489769
    Abstract: In certain embodiments, an electronic device can include a secure element that detects a mechanical input. The mechanical input can correspond to an instruction to transmit securely stored payment information to another device and/or to release such information to an application on the device (e.g., for use in an in-app commerce transaction). This feature can inhibit or prevent unauthorized transmission of payment information. When the mechanical input is detected, payment information can be transmitted to a point of sale (POS) terminal (e.g., via near-field communication) or released to an app on the device. Further, a user can either use default payment information or interact with the device (before or after providing the mechanical input) to select appropriate payment information for a transaction. For example, the user can select between credit cards, debit cards and/or stored-value cards (e.g., transit card).
    Type: Grant
    Filed: June 15, 2017
    Date of Patent: November 26, 2019
    Assignee: Apple Inc.
    Inventors: Jeremy T. Brown, Zachary A. Rosen, Morgan J. Grainger
  • Publication number: 20190289542
    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: February 19, 2019
    Publication date: September 19, 2019
    Inventors: Ahmer A. Khan, Joakim Linde, Joseph Hakim, Zachary A. Rosen
  • Patent number: 10346848
    Abstract: Systems, methods, and computer-readable media for provisioning multiple credentials of a multi-scheme card on an electronic device for selective use in a secure transaction are provided.
    Type: Grant
    Filed: June 7, 2016
    Date of Patent: July 9, 2019
    Assignee: APPLE INC.
    Inventors: Mehdi Ziat, Vamshi Krishna Aileni, Yousuf H. Vaid, Ahmer A. Khan, George R. Dicker, Christopher Sharp, Zachary A. Rosen