Apple Pay

Three Key Apple Patents Detail Apple Pay and Touch ID Systems

1AF - COVER TOUCH ID 3 PATENTS
On January 15, 2015, the US Patent & Trademark Office published a series of three patent applications from Apple that detail the specifics behind Apple Pay via Touch ID. The patent filings meticulously detail how the system will work with making future banking transactions or at current participating retailers and for purchasing apps and other digital media online via the App Store, iTunes and future online stores. The sole inventor behind all three patents that were originally filed in 2013 is Apple's software engineer Greg Kerr who came to Apple via the Authentec acquisition. Greg was VP of Software Development at Authentec.

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Apple Pay: The Digital Wallet that will Rule the World

1AF COVER  -  APPLE PAY
Apple's first electronic wallet patent application surfaced in May 2010. Our first report covering this important new development was titled "Transaction: Apple's e-Wallet App Finally Surfaces in a Patent." For Patently Apple fans, today was a very satisfying day as one of Apple's most important long-term projects finally come to life almost 4.5 years after it first came to light. It didn't come via rumors or from a self-created theories; it came from investigative work that we do week in and week out. And in the last 4.5 years we've covered every major Apple invention on this subject matter. In fact we're the only Apple site that created a special archive to cover this very important project. Today, Apple blew us away with their new digital wallet solution and service that they simply call
Apple Pay.

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Apple Reveals their New Fraud Detection Identity System

1AF APPLE FRAUD DETECTION SYSTEM PATENT APPLICAITON AUG 2014
An Internet-facing identity management system is vulnerable to a variety of attacks, including account take over, fraudulent activities, creation of fraudulent accounts and denial of service attacks. As hackers and fraudsters are getting better and more sophisticated in online transaction attacks, there is a need to detect and remediate fraud in real-time to protect consumers and businesses. Today the US Patent & Trademark Office published a patent application from Apple that reveals a new fraud detection ID management system. To a certain degree Apple is already using it context with their iTunes online store. As Apple moves into the ecommerce world with a future iWallet, such a system is going to be a huge benefit to users. So with Apple testing out their new fraud detection system out now, it will ensure that the system is in place once they introduce their iWallet application which, from many accounts, could debut in the next year or two.

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Apple reveals new Security Control Features for Future iWallet

1AF - COVER - APPLE IWALLET SECURITY CONTROLS FOR IWALLET
On July 31, 2014, the US Patent & Trademark Office published a patent application from Apple that reveals new security control features for their future iWallet application. The new security system will work with an iPhone and Apple's iTunes Store on a Mac. The controls will allow parents to set boundaries for spending and track all purchases. Apple's patent also introduces us to the digital wallet processing engine. Last week a new rumor surfaced that discussed Apple's iWallet working with Visa's Digital Solutions sometime in the next year. Whether Apple's iWallet will make it to the iPhone 6 is unknown at this time.

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Apple invents a new Robotic Arm Testing System for the iPhone and introduces a new iPhone Antenna that Adds NFC

30a patent application
On May 22, 2014, the US Patent & Trademark Office published a patent application from Apple that reveals a new robotic arm system for testing iPhones. Before devices are sold to customers, extensive wireless tests are performed. Testing allows designers to optimize antenna and wireless transceiver performance. Testing also ensures that regulatory limits on emitted radiation levels are satisfied. As smartphones are now being designed with the capability to operate in a large number of frequency bands and using multiple antennas, conventional testing systems are becoming overburdened leading to potential delays. Apple has designed a new testing system that uses a new robotic arm. And while we're on the topic of multiple antennas, another Apple patent surfacing today reveals a new antenna structure that will combine NFC with Non-NFC communications to the same antenna. With Apple recently signing an e-Wallet deal with China UnionPay requiring NFC, Apple's latest NFC invention may very well be making its way to the iPhone 6.

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Apple Invents Secure Touchscreen SIM Card Tray Ejection System

1. COVER - NEW SIM CARD TRAY EJECTION SYSTEM - APPLE INVENTION APR 2014
On April 03, 2014, the US Patent & Trademark Office published a patent application from Apple that reveals a simple yet sophisticated next generation SIM card tray ejection system. The system is activated on a future iOS touchscreen UI virtual button. The new system adds a new level of security for SIM cards which will be important as future iDevices may support bank related SIM cards for credit and/or debit.

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Apple Patent Reveals Secure iWallet System with iBeacon

1. Cover - Apple invents secure iWallet System
On January 16, 2014, the US Patent & Trademark Office published a patent application from Apple that reveals a secure iWallet system that goes beyond NFC to include new Air Interfaces including a form of Bluetooth, such as iBeacon. Apple began to roll out iBeacon for Apple stores in December and so we're getting closer to Apple's iWallet application. Apple's invention generally relates to methods and apparatuses for conducting a wireless commercial transaction that is both user friendly and secure.

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Apple Reveals new secure iWallet Transaction System

1. Cover - Apple - New iWallet invention from Apple
Apple has been working on an iWallet or electronic wallet since 2010 if not earlier. They've built quite the body of intellectual property to support their future iWallet which you could view in our iWallet Archives. Today, a new in-depth iWallet patent was published by the US Patent & Trademark Office. Apple's latest invention generally relates to systems and methods for carrying out secure transactions. More specifically, the present technology relates to systems and methods for performing secure transactions using optical codes and optical code readers.

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Apple Granted a Key iWallet Patent for Mobile Pay Service

1. Cover Apple granted patent for iWallet Controls, parental, employee

On June 11, 2013, the US Patent and Trademark Office officially published a series of 37 newly granted patents for Apple Inc. In this particular report we cover a key iWallet patent that relates to setting financial rules for controlling a subsidiary account such as one for a child, employee or spouse that an account holder will be able to control via a new iTunes "Mobile Pay" Service.

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Apple Advances their Future Shopping App Again & More

1A. Cover, Apple patent Advances their Shopping App, Again

On May 16, 2013, the US Patent & Trademark Office published a patent application from Apple that reveals their ongoing work with their future "Shopping App." Apple first revealed an extensive patent filing for NFC as it related to "Shopping" back in 2010 as a companion app to their future iWallet. Just like Apple's Passbook keeps gift cards, coupons, tickets and passes into an organized app, Apple's iWallet is likely to contain another round of things that relate to their financial app and the "Shopping" feature is just one. Last week's update to the Shopping app focused on methods of setting payment option preferences and more. Today's patent application adds at least five major aspects to the "Shopping" apps patent claims. The base of the patent doesn't change much if any. It's all about securing key aspects of the invention that Apple wants to protect, just in case they have to go court over it in the future.

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Apple Advances their Future e-Commerce Shopping App

1A. Cover, Apple patent re Shopping App
On May 2, 2013, the US Patent & Trademark Office published a patent application from Apple that reveals that they're once again advancing their NFC project which began back in 2008. Apple has established a firm foundation for future NFC applications ranging from shopping, banking and everyday interconnectivity with other devices in the home, with a friend or retailer. Today's patent application relates to methods for setting payment option preferences in Apple's future e-commerce app that they've temporarily dubbed as the "Shopping" app.

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Apple Files New Patent for Establishing NFC Sessions

1. Apple patent appllication for establishing an NFC Session

On May 2, 2013, the US Patent & Trademark Office published a patent application from Apple that reveals that they're once again advancing their NFC project which began back in 2008. Apple has established a firm foundation for future NFC applications ranging from shopping, banking and everyday interconnectivity with other devices in the home, with a friend or retailer. Today's patent application relates to establishing an NFC session. Our report also provides a list of eight other patent filings for the techies in our community.

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Apple Granted a Patent for Samsung-Like Beam eDoc Transfers

1. Cover, Apple Granted Patent for transfering info into eDocs
On April 9, 2013, the US Patent & Trademark Office published a new granted patent from Apple that reveals a new feature that has yet to come to market. As such, Patently Apple will present this granted patent in the form a new patent application report that goes deeper into the technology presented. Apple has been razzed for a while now for not having a technology for the iPhone that is similar to Samsung's Beam that lets users share large files from one smartphone to another using NFC. Apple's newly granted patent provides such an interactions and so much more. Apple's solution works between a Mac and iPhone and provides editing software to crop, scale and adjust images. Apple had the technology mapped out in January 2010, or about 30 months prior to Samsung's public release of this feature for the Galaxy SIII.  

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Apple Files a New iWallet Financial Transaction Patent

1A. Cover, Other Apple Patents, iWallet & More
On April 4, 2013, the US Patent & Trademark Office published a patent application from Apple that reveals a new iWallet transaction patent covering a method for conducting a financial transaction. In February we posted a report asking the question could this be the year that Apple introduces their iWallet. Apple's latest patent application revelations reveal that they're still working on new specifics of this future application. Apple is closer to finalizing their iWallet project but the timing of its debut remains a mystery.

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Apple Thinks Outside the Box with Cash Dispensing Network

1. Cover. Apple's Ad Hoc Cash Despensing Network System
On January 31, 2013, the US Patent & Trademark Office published a patent application from Apple that reveals that out of the box thinking is still alive and well at Apple. In a way, Apple's latest invention could be considered one of many apps associated with a future master iWallet App. Under today's Passbook App we see a series of services within it such as handling gift cards, coupons, passes and tickets. Apple's iWallet App will likewise carry a number of sub categories for credit, debit and a new one related to a proposed ad-hoc cash dispensing network using iTunes and Maps. Apple states that there are times when you just need cash and with no ATM's in sight their new network will be able to bring a cash requester together with a cash provider using a new App that make the processes somewhat painless. If you love nightlife, this could very well come in handy. But it's not for everyone, that's for sure.

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