Apple Inc.

Richard W Heard

Ashish C Nagre

Akila Suresh

Jarad M Fisher

Mischa K McLachlan

Aaron M Melim

Marcel Van Os

Christine A Franco

Michael Artemiw

David T Haggerty

Glen W Steele

Fadi S Obeid

Rima Kakarla

Katie M McIndoe

Brian D Jett

Alan C Dye

Nicholas V King

Craig Michael Federighi

Camille Moussette

Jae Woo Chang

Teofila Connor

Gianpaolo Fasoli

Jennifer J Bailey

Hubert Greiche

Christopher G Wilson

Pedro Mari

Lee S Broughton

Peter D Anton

Donald Walter Pitschel

Allison W Dryer

Jean-Pierre M Mouilleseaux

Corey G Fugman

Rachel Reddy

Michael A Minar

Stacey Rebecca Abrams

David Harbige

Steven Eastcott

Julien Barlerin

Anish Doshi

Anuj Chaudhary

Yiran Kang

Yousuf H Vaid

Cas G Lemmens

Thomas John Miller

Kristin Michele Canavan

Jared A Crawford

Haya Iris Villanueva Gaviola

Benjamin D Chester

Mischa Mclachlan

Vinay Venkatesh

Nicole Marie Weaver

Joshua G Olson

Katie Mcindoe

Ashish Chandrakant Nagre

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.

Technique for providing optimized digital information

Transaction data that represents transactions may be associated with one or more generated tags based on characteristics associated with the transactions. A set of suggested payment amounts for paying an account balance may be determined based on the tagged transactions. Information about at least one suggested payment amount may be presented at a user device.

Transaction tags for enhanced suggestions

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.

Payment milestones for improved financial health

Systems, methods, and computer-readable media for facilitating frictionless credential provisioning on a user computing device are provided. Special 'frictionless tokens' (e.g. ownership tokens) may be generated for each existing credential in a user's digital wallet. Such tokens may be stored in a user's AE locker (e.g. iCloud keychain) and synchronized across the user's devices using any suitable security features (e.g. using any suitable secure enclave processor (“SEP”)-based encryption). Such a token, as may be stored in a device's SEP, may be configured only to be read on that physical device. In this manner, the user may no longer need provide further proof of ownership of a credential or be hassled by passing any other challenge, but, instead, the additional security may be achieved using the ownership token, which may use the user's AE or device passcode in association with the user's physical device (and its SEP).

Proof of affinity to a secure event for frictionless credential management

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.

User interfaces for managing an account

Tags for transaction records can be generated to represent characteristics of the transaction records not represented by typical characteristics of the records. Once generated, the transaction records can be modified to include the tags. Responsive to requests for transaction information, a set of transactions can be identified based on tags of the transactions and information about the transactions can be provided to a user interface.

Generation of transaction tags for enhanced searching

The present disclosure generally relates to displaying a user interface for sharing an account associated with a first user identity with a second user identity. The user interface includes a first sharing option and a second sharing option. One or more inputs corresponding to a request to share the account are detected. If the one or more inputs include a selection of the first sharing option, a request to invite the second user identity to become a joint owner of the account is transmitted. If the one or more inputs include a selection of the second sharing option, a request to invite the second user identity to become a participant of the account without becoming a joint owner of the account is transmitted.

User interfaces for sharing an account with another user identity

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&#x2014;at least as it pertains to a credit account for which the statement was issued.

The present technology provides a convenient and secure technology for activating a physical card. For example, a when a physical card is created and send to a user associated with a user account, information pertaining to the physical card, including its activation code can be stored in association with the user account. When the card is received by the user, the user can use a portable computing device to read the card, and the portable computing device can then automatically activate the card using information encoded within the card.

Automatic activation of a physical payment card

Growing community of inventors

San Francisco, CA, United States of America

Richard W Heard