Apple Inc.

Kyle A Diebolt

Mehdi Ziat

Ziat Mehdi

In order to facilitate conducting a financial transaction via wireless communication between an electronic device (such as a smartphone) and another electronic device (such as another smartphone), a secure element in the electronic device may generate, using an encryption key associated with the secure element, a signed blob based on a transaction amount and a merchant identifier. Then, the electronic device communicates connection information between the electronic device and the other electronic device. Moreover, the electronic device may establish a connection between the electronic device and the other electronic device based on the connection information, and may concurrently provide the signed blob to the other electronic device. After receiving a signed transaction blob from the other electronic device using the connection (which includes information needed to conduct the financial transaction), the electronic device provides the information to a server to conduct the financial transaction.

Mobile-merchant proximity solution for financial transactions

Systems, methods, and computer-readable media for logging secure element updates of an electronic device are provided. In one example embodiment, a method, at a secure element including a previously-installed secure element asset, includes, inter alia, receiving an update package, uninstalling the previously-installed secure element asset based on the received update package, installing a new secure element asset based on the received update package, and updating at least one of a counter on the secure element and a log on the secure element based on the installation of the new secure element asset. Additional embodiments are also provided.

Logging operating system updates of a secure element of an electronic device

Mobile merchant proximity solution for financial transactions

An electronic device (such as a cellular telephone) automatically installs and optionally personalizes a purposed application (which is sometimes referred to as an 'applet') on a secure element in the electronic device (which is sometimes referred to as 'applet creation'). In particular, when a digitally signed installation package containing the applet is received from an installing device (such as a server), the secure element verifies the digital signature of the installation package using an encryption key associated with a vendor of the secure element. Then, the secure element installs the applet. In addition, the secure element may optionally export user data from another applet installed on the secure element. Moreover, the secure element may personalize the installed applet using the user data from the other applet. In this way, the electronic device provides a scalable installation solution while allowing personalization from the other applet.

Growing community of inventors

Santa Clara, CA, United States of America

Kyle A Diebolt