2017年4月4日 星期二

APPLY PAY的專利討論

APPLE PAY最近在台灣開通,看來頗為新奇,其實就是一個老技術:行動支付,只是大家各有巧妙,APPLE PAY還不是最厲害的(有空找一下"空付"...),只是將來就比誰方便(設定與支付動作簡化)、安全性(不能被駭)、可倚賴性(不能偶爾失效)、市佔比(多數商店支援,最好夜市也可以),也一定是大者恆大(這廢話)。
果粉的忠誠度與裝置單一性(就iPhone幾隻)來看,APPLE PAY絕對會成功。而且,APPLE這幾年向來只會被自己新產品策略性打敗,少被人打敗。

編按:以上是我的前言,我從沒擁有任何一支iPhone,曾經有過的手機多數是等別人淘汰的手機,這樣,有可能也會等到iPhone。

如果這是Apple的重要戰略,顯然專利等相關智慧財產的佈局不會少,也不用等我找,一定很多人在看了,這裡僅提出一點點筆記。

看了半天的蘋果有關支付的專利,佈局不少,而且多國佈局,專利不脫有幾個特徵:手機、生物特徵、指紋、NFC與使用者介面,雖有早於2010年的專利,但若是針對Apple Pay,大約是2014年開始佈局。



「商標」一定有,然後就是「使用者介面」,UI是蘋果技術的核心之一,可以用實用專利(utility patent)與設計(design)佈局。

舉例:US20160063490
Google Patents: assignee:apple AND cpc:G06Q20/3821 AND fingerprint

請求項1(尚未獲准專利)揭示一種電子裝置,有天線、介面電路與安全元件,安全元件用來:接收交易金額、產生憑證、與另一裝置通訊、建立連線、提供簽章、接收交易的資訊後,傳送相關資訊給伺服器。
1. An electronic device, comprising:
an antenna;
an interface circuit, coupled to the antenna and a secure element, configured to communicate with another electronic device; and
the secure element configured to:
receive a transaction amount associated with a financial transaction;
generate, using an encryption key associated with the secure element, a signed blob based on the transaction amount and a merchant identifier;
communicate, via the interface circuit, connection information between the electronic device and the other electronic device;
establish, via the interface circuit, a connection between the electronic device and the other electronic device based on the connection information;
provide, via the interface circuit, the signed blob to the other electronic device;
receive, via the interface circuit, a signed transaction blob from the other electronic device using the connection, wherein the signed transaction blob includes the transaction amount, the merchant identifier, and financial-account information that specifies a financial account; and
provide, via the interface circuit, information associated with the signed transaction blob to a server to conduct the financial transaction.


以下列舉一些Apple Pay有關且屬於CPC: G06Q20/3821等類的(RFID or NFC payments by means of M-devices)的專利:

EP3108426


EP3108426的專利家族:
WO2015184353 (A1)
WO2015184389 (A1)
TW201610878 (A)
KR20160134627 (A)
KR20150004413 (U)
EP3108427 (A1)
DE202015009089 (U1)
DE202015009088 (U1)
DE202015004267 (U1)
CN205158436 (U)
CN204650596 (U)
CN105303372 (A)
CN105321067 (A)
AU2017201068 (A1)
AU2017201064 (A1)
AU2017100070 (A4)
AU2016100383 (A4)
AU2016100383 (B4)
AU2016100367 (A4)
AU2016100367 (B4)
AU2015266693 (A1)
AU2015266650 (A1)
AU2015100709 (A4)
AU2015100709 (B4)
AU2015100708 (A4)
AU2015100708 (B4)

EP2956825


EP2956825的專利家族:
EP2956825 (A4)
WO2014143916 (A2)
WO2014143916 (A3)
US2016379205 (A1)
HK1214661 (A1)
CN105143996 (A)

US20150046324


US20150178723


US9299072



US20150142644



US20100082444




US9324067



KR20160137640



KR20160082538



CN204650596U(不曉得這有沒有亂搞,CN是新型專利,專利申請範圍主體應該是方法特徵)



還有一些EP的:
EP2993633
EP3053120
EP3066627

Ron

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