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).
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Patent number: 12223495Abstract: 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: GrantFiled: June 10, 2022Date of Patent: February 11, 2025Assignee: Apple Inc.Inventors: Ahmer Ali Khan, Brian J. Tucker, Ho Cheung Chung, Joakim Linde, Zachary A. Rosen, Gordon Y. Scott
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Publication number: 20240185245Abstract: 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: ApplicationFiled: October 16, 2023Publication date: June 6, 2024Inventors: Herve Sibert, Oren M. Elrad, Jerrold V. Hauck, Onur E. Tackin, Zachary A. Rosen, Matthias Lerch
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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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Patent number: 11790365Abstract: 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: GrantFiled: July 23, 2021Date of Patent: October 17, 2023Assignee: Apple Inc.Inventors: Herve Sibert, Oren M. Elrad, Jerrold V. Hauck, Onur E. Tackin, Zachary A. Rosen, Matthias Lerch
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Publication number: 20230127816Abstract: 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: ApplicationFiled: December 23, 2022Publication date: April 27, 2023Inventors: Ahmer A. KHAN, Joakim LINDE, Joseph HAKIM, Zachary A. ROSEN
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Patent number: 11556165Abstract: 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: GrantFiled: October 9, 2020Date of Patent: January 17, 2023Assignee: Apple Inc.Inventors: Ahmer A. Khan, Joakim Linde, Joseph Hakim, Zachary A. Rosen
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Publication number: 20220374868Abstract: 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: ApplicationFiled: June 10, 2022Publication date: November 24, 2022Inventors: Ahmer Ali KHAN, Brian J. TUCKER, Ho Cheung CHUNG, Joakim LINDE, Zachary A. ROSEN, Gordon Y. SCOTT
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Patent number: 11373168Abstract: 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: GrantFiled: June 1, 2016Date of Patent: June 28, 2022Inventors: Ahmer Ali Khan, Brian J. Tucker, Ho Cheung Chung, Joakim Linde, Zachary A. Rosen, Gordon Y. Scott
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Publication number: 20220051257Abstract: 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: ApplicationFiled: July 23, 2021Publication date: February 17, 2022Inventors: Herve Sibert, Oren M. Elrad, Jerrold V. Hauck, Onur E. Tackin, Zachary A. Rosen, Matthias Lerch
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Publication number: 20210241268Abstract: 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: ApplicationFiled: April 23, 2021Publication date: August 5, 2021Inventors: Jeremy T. Brown, George R. Dicker, Glen W. Steele, Morgan J. Grainger, Zachary A. Rosen
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Patent number: 11074582Abstract: 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: GrantFiled: September 20, 2017Date of Patent: July 27, 2021Assignee: Apple Inc.Inventors: Herve Sibert, Oren M. Elrad, Jerrold V. Hauck, Onur E. Tackin, Zachary A. Rosen, Matthias Lerch
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Patent number: 11017384Abstract: 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: September 2, 2014Date of Patent: May 25, 2021Assignee: Apple Inc.Inventors: Jeremy T. Brown, George R. Dicker, Glen W. Steele, Morgan J. Grainger, Zachary A. Rosen
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Publication number: 20210026436Abstract: 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: ApplicationFiled: October 9, 2020Publication date: January 28, 2021Inventors: Ahmer A. KHAN, Joakim LINDE, Joseph HAKIM, Zachary A. ROSEN
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Patent number: 10838481Abstract: 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: GrantFiled: February 19, 2019Date of Patent: November 17, 2020Assignee: Apple Inc.Inventors: Ahmer A. Khan, Joakim Linde, Joseph Hakim, Zachary A. Rosen
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Patent number: 10699262Abstract: 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: GrantFiled: October 11, 2019Date of Patent: June 30, 2020Assignee: Apple Inc.Inventors: Jeremy T. Brown, Zachary A. Rosen, Morgan J. Grainger
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Patent number: 10685346Abstract: 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: GrantFiled: September 24, 2018Date of Patent: June 16, 2020Assignee: Apple Inc.Inventors: Ahmer A. Khan, Zachary A. Rosen, Joakim Linde
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Publication number: 20200042970Abstract: 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: ApplicationFiled: October 11, 2019Publication date: February 6, 2020Applicant: Apple Inc.Inventors: Jeremy T. Brown, Zachary A. Rosen, Morgan J. Grainger
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Patent number: 10489769Abstract: 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: GrantFiled: June 15, 2017Date of Patent: November 26, 2019Assignee: Apple Inc.Inventors: Jeremy T. Brown, Zachary A. Rosen, Morgan J. Grainger
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Publication number: 20190289542Abstract: 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: ApplicationFiled: February 19, 2019Publication date: September 19, 2019Inventors: Ahmer A. Khan, Joakim Linde, Joseph Hakim, Zachary A. Rosen
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Patent number: 10346848Abstract: 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: GrantFiled: June 7, 2016Date of Patent: July 9, 2019Assignee: APPLE INC.Inventors: Mehdi Ziat, Vamshi Krishna Aileni, Yousuf H. Vaid, Ahmer A. Khan, George R. Dicker, Christopher Sharp, Zachary A. Rosen