User device enabling access to payment information in response to mechanical input detection

• US 10,223,682 B2
• Filed: 06/17/2016
• Issued: 03/05/2019
• Est. Priority Date: 05/29/2014
• Status: Active Grant

• Current Assignee: Apple Inc.
• Original Assignee: Apple Inc.
• Inventors: Brown, Jeremy T., Rosen, Zachary A., Grainger, Morgan J.
• Primary Examiner(s): St Cyr, Daniel
• Application Number:
  US15/186,114
• Publication Number:
  US 20160300211A1
• Time in Patent Office: 991 Days
• Field of Search: 235379, 235380, 235383
• CPC Class Codes: G06K 7/10831 Arrangement of optical elements, e.g. lenses, mirrors, prisms optical elements per se G02B
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography
• CPC Class Codes: G07F 7/0806 Details of the card record carriers per se G06K
• CPC Class Codes: G07F 7/0833 Card having specific functional components
• CPC Class Codes: H04L 9/50 using hash chains, e.g. blockchains or hash trees

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).

Claims

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;

or

a 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.

2. The method of claim 1, wherein the payment information is wirelessly transmitted to the point-of-service terminal via near-field communication.

3. The method of claim 1, further comprising:

storing, at the secure element, other payment information associated with an other payment account, the other payment information including an identifier associated with the other payment account; and

displaying, at the portable electronic device and via the transaction app, an other representation of an other card corresponding to the other payment account, wherein the other representation is displayed prior to a time at which the representation of the payment card is displayed.

4. The method of claim 3, further comprising:

detecting, at the portable electronic device, an input corresponding to a request to switch the other representation of the other card;

wherein the representation of the payment card is displayed in response to detecting the input.

5. The method of claim 1, further comprising encrypting the payment information stored at the secure element.

6. The method of claim 1, further comprising:

receiving, subsequent to the wireless transmission and at the portable electronic device, receipt data that identifies at least one of an entity associated with the point-of-service terminal, a day, or a payment amount; and

storing the receipt data.

7. The method of claim 1, wherein the portable electronic device comprises a wearable device.

8. An electronic device comprising:

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.

9. The electronic device of claim 8, wherein the payment information is wirelessly transmitted to the point-of-service terminal via near-field communication.

10. The electronic device of claim 8, wherein the actions further include:

storing, at the secure element, other payment information associated with an other payment account, the other payment information including an identifier associated with the other payment account; and

displaying, using the user interface component and via the transaction app, an other representation of an other card corresponding to the other payment account, wherein the other representation is displayed prior to a time at which the representation of the card is displayed.

11. The electronic device of claim 10, wherein the actions further include:

detecting, using the user interface component, an input corresponding to a request to switch the other representation of the other card;

wherein the representation of the card is displayed in response to detecting the input.

12. The electronic device of claim 8, wherein the payment information received from the secure element is encrypted.

13. The electronic device of claim 8, wherein the actions further include:

receiving, subsequent to the wireless transmission, receipt data that identifies an entity associated with the point-of-service terminal, a day, and a payment amount; and

storing the receipt data.

14. The electronic device of claim 8, wherein the electronic device includes a watch.

15. A computer-implemented method comprising:

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.

16. The method of claim 15, wherein the payment information is wirelessly transmitted to the point-of-service terminal via near-field communication.

17. The method of claim 15, further comprising:

displaying, at the portable electronic device, the card representation in response to detecting input to dismiss a representation of an other card.

18. The method of claim 15, wherein the received input data comprises fingerprint data.

19. The method of claim 15, further comprising:

receiving, subsequent to the wireless transmission and at the portable electronic device, receipt data that identifies at least one of an entity associated with the point-of-service terminal, a day, or a payment amount; and

storing the receipt data.

20. The method of claim 15, wherein the portable electronic device comprises a watch.