Apple Inc.

Manoj K Thulaseedharan Pillai

Timothy S Hurley

David E Brudnicki

Ahmer Ali Khan

Thomas Elliott

Jennifer J Bailey

Sunil Nair

Anish Bhatt

Matthew W Strampe

Rupa B Vazirani

Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data. Additional embodiments are also provided.

Multi-path communication of electronic device secure element data for online payments

Systems, methods, and computer-readable media for facilitating a fund transfer between user accounts are provided.

Facilitating a fund transfer between user accounts

Disclosed are systems and methods for providing protection against alteration of data, such as a credential, associated with a transaction. A first communication is received from a requesting system. The first communication includes a credential and corresponds to an indication that an extended-duration task is being initiated and a request to listen to a status of the credential. A device-listening data store is updated to associate the credential with an identifier associated with the requesting system. When an event is detected that indicates that the credential has been modified or cancelled, the device-listening data store is queried based on the credential. In response to the query, the identifier associated with the requesting device is received. A second communication is generated that corresponds to an alert that identifies a status of the credential as having been modified or cancelled. The second communication is transmitted to the requesting system.

Credential modification notifications

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Cupertino, CA, United States of America

Manoj K Thulaseedharan Pillai