User device enabling access to payment information in response to mechanical input detection
First Claim
1. A computer-implemented method comprising:
- storing, at a secure element of a portable electronic device, payment information associated with a payment account, the payment information including an identifier associated with the payment account, wherein the secure element controls access to the payment information and is separate from an app processor of the portable electronic device;
detecting, at the portable electronic device, that a transaction app is executing at the portable electronic device;
displaying, at the portable electronic device and via the transaction app, a representation of a payment card corresponding to the payment account, wherein the representation of the payment card does not include an account number identifying the payment account;
determining, via the transaction app, when a data-release condition is satisfied, wherein satisfaction of the data-release condition comprises detecting;
a fingerprint that corresponds to a fingerprint signature;
ora predetermined passcode;
wirelessly detecting a point-of-service terminal;
upon determining that the data-release condition is satisfied and detecting the point-of-service terminal;
receiving the payment information from the secure element; and
wirelessly transmitting a representation of the payment information to the point-of-service terminal.
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Accused Products
Abstract
In certain embodiments, an electronic device can include a secure element that detects a mechanical input. The mechanical input can correspond to an instruction to transmit securely stored payment information to another device and/or to release such information to an application on the device (e.g., for use in an in-app commerce transaction). This feature can inhibit or prevent unauthorized transmission of payment information. When the mechanical input is detected, payment information can be transmitted to a point of sale (POS) terminal (e.g., via near-field communication) or released to an app on the device. Further, a user can either use default payment information or interact with the device (before or after providing the mechanical input) to select appropriate payment information for a transaction. For example, the user can select between credit cards, debit cards and/or stored-value cards (e.g., transit card).
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Citations
20 Claims
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1. A computer-implemented method comprising:
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storing, at a secure element of a portable electronic device, payment information associated with a payment account, the payment information including an identifier associated with the payment account, wherein the secure element controls access to the payment information and is separate from an app processor of the portable electronic device; detecting, at the portable electronic device, that a transaction app is executing at the portable electronic device; displaying, at the portable electronic device and via the transaction app, a representation of a payment card corresponding to the payment account, wherein the representation of the payment card does not include an account number identifying the payment account; determining, via the transaction app, when a data-release condition is satisfied, wherein satisfaction of the data-release condition comprises detecting; a fingerprint that corresponds to a fingerprint signature;
ora predetermined passcode; wirelessly detecting a point-of-service terminal; upon determining that the data-release condition is satisfied and detecting the point-of-service terminal; receiving the payment information from the secure element; and wirelessly transmitting a representation of the payment information to the point-of-service terminal. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. An electronic device comprising:
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a user interface component configured to output stimulus and receive inputs; one or more processors coupled to the user interface component; and a computer-readable storage medium containing instructions, that, when executed by the one or more processors, cause the one or more processors to perform actions including; detecting that a transaction app is executing at the electronic device; displaying, using the user interface component and via the transaction app, a representation of a card corresponding to a payment account, the representation of the card including a graphic of a payment network associated with the payment account; determining, via the transaction app, whether a data-release condition is satisfied, wherein satisfaction of the data-release condition requires detecting biometric data that corresponds to a biometric signature; wirelessly detecting a point-of-service terminal; and upon determining that the data-release condition is satisfied and detecting the point-of-service terminal; receiving payment information from a secure element wherein the secure element controls access to the payment information and is separate from an app processor of the one or more processors, the payment information including an identifier representative of the payment account; and wirelessly transmitting the payment information to the point-of-service terminal. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A computer-implemented method comprising:
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detecting an image of a card captured by a camera of a portable electronic device; automatically detecting payment information associated with a payment account based on the image, the payment information comprising an identifier associated with the payment account; storing, at a secure element of the portable electronic device, the detected payment information, wherein the secure element controls access to the detected payment information and is separate from an app processor of the portable electronic device; displaying, at the portable electronic device, a card representation corresponding to the payment account, the card representation omitting at least one item of information included in the image of the card; receiving input data at the portable electronic device; determining whether the input data corresponds to a stored user signature; and when it is determined that the received input data corresponds to the stored user signature; wirelessly detecting a point-of-service terminal; facilitating receiving the payment information from the secure element; and wirelessly transmitting the payment information to the point-of-service terminal. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification