User interface for loyalty accounts and private label accounts for a wearable device

• US 10,332,079 B2
• Filed: 09/30/2015
• Issued: 06/25/2019
• Est. Priority Date: 06/05/2015
• Status: Active Grant

• Current Assignee: Apple Inc.
• Original Assignee: Apple Inc.
• Inventors: Van Os, Marcel, Suzuki, Gregg, Yang, Lawrence Y., Anton, Peter, Pitschel, Donald W.
• Primary Examiner(s): Niquette, Robert R
• Assistant Examiner(s): Jacob, William J
• Application Number:
  US14/870,726
• Publication Number:
  US 20160358134A1
• Time in Patent Office: 1,364 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/08 Payment architectures
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4018 using the card verification value [CVV] associated with the card
• CPC Class Codes: G07F 17/0035 Participation in a loyalty or discount scheme data processing for shopping and discounts G06Q30/00

Abstract

The present disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using a wearable electronic device with an electronic wallet. Various accounts are linked to the electronic device. In some examples, the electronic device is NFC-enabled. The electronic device may be used to provide loyalty account information and payment account information to a payment terminal, such as an NFC-enabled payment terminal.

Claims

1. A non-transitory computer-readable storage medium comprising one or more programs for execution by one or more processors of an electronic device with a display and one or more wireless communication elements, the one or more programs including instructions for:

receiving an input requesting to enable the device for a payment transaction with a wireless payment terminal, wherein the request to enable the device for the payment transaction is an authorization from a user associated with a first payment account and a second payment account to use either the first payment account or the second payment account for the payment transaction with the wireless payment terminal;

in response to receiving the input, displaying, on the display, a payment indication that represents a plurality of payment accounts including the first payment account that was authorized for use for the payment transaction and the second payment account that was authorized for use for the payment transaction, wherein the payment indication was not displayed on the display prior to receiving the input requesting to enable the device for the payment transaction;

while displaying the payment indication that represents the plurality of payment accounts that have been authorized for use for the payment transaction, receiving, from the wireless payment terminal, via the one or more wireless communication elements, a request for account information corresponding to the payment transaction;

in response to receiving the request for account information corresponding to the payment transaction and without receiving further user input, automatically selecting and transmitting respective account information from the electronic device to the wireless payment terminal, including;

in accordance with a determination, by the electronic device, that payment criteria for the first payment account have been met, transmitting to the wireless payment terminal, via the one or more wireless communication elements, account information for the first payment account without transmitting account information for the second payment account; and

in accordance with a determination, by the electronic device, that payment criteria for the second payment account have been met, transmitting to the wireless payment terminal, via the one or more wireless communication elements, account information for the second payment account without transmitting account information for the first payment account; and

after automatically selecting and transmitting the respective account information to the wireless payment terminal, displaying, on the display, a graphical indication that the respective account information has been successfully transmitted to the wireless payment terminal.

2. The non-transitory computer-readable storage medium of claim 1, wherein the electronic device is configured to enable payment using one of a default payment account and a plurality of non-default payment accounts and further including instructions for:

in accordance with a determination, by the electronic device, that payment criteria have not been met for any of the non-default payment accounts, transmitting to the wireless payment terminal, via the one or more wireless communication elements, account information for the default payment account without transmitting account information for the non-default payment accounts.

3. The non-transitory computer-readable storage medium of claim 1, wherein the payment criteria includes a criterion based on a determination associated with a current location of the electronic device.

4. The non-transitory computer-readable storage medium of claim 1, wherein the payment criteria includes a criterion based on the request for account information corresponding to the payment transaction.

5. The non-transitory computer-readable storage medium of claim 1, wherein the payment indication that represents the plurality of payment accounts does not include an indication of the first payment account that was authorized for use for the payment transaction and does not include an indication of the second payment account that was authorized for use for the payment transaction.

6. The non-transitory computer-readable storage medium of claim 1, wherein the plurality of payment accounts only include payment accounts for which the electronic device has received user input activating selection based on location without requiring user input.

7. The non-transitory computer-readable storage medium of claim 1, wherein the plurality of payment accounts only include payment accounts for which a financial institution associated with the payment account has authorized the respective payment account for selection based on location without requiring user input.

8. The non-transitory computer-readable storage medium of claim 1, wherein a contextual-selection mode of operation in which the electronic device selects, based on context, which of the plurality of payment accounts to use for a payment transaction is represented as a selectable payment option.

9. The non-transitory computer-readable storage medium of claim 1, wherein the electronic device includes a touch-sensitive surface and further including instructions for:

receiving one or more inputs in a first direction;

in response to receiving the one or more inputs;

replacing, on the display, the payment indication that represents the plurality of payment accounts with a second visual indicator different from the payment indication that represents the plurality of payment accounts, wherein the second visual indicator identifies a third payment account that was authorized for use for the payment transaction different from the first payment account and the second payment account; and

enabling the electronic device to participate in a transaction with a wireless payment terminal using the third payment account via the one or more wireless communication elements.

10. The non-transitory computer-readable storage medium of claim 1, wherein the payment indication that represents the plurality of payment accounts is different from visual indicators of individual payment accounts of the plurality of payment accounts.

13. The non-transitory computer-readable storage medium of claim 1, wherein the authorization from the user is authenticated by the electronic device.

14. The non-transitory computer-readable storage medium of claim 1, wherein the authorization from the user is biometrically authenticated by the electronic device.

15. The non-transitory computer-readable storage medium of claim 1, wherein the electronic device includes a secure element and the account information corresponding to the payment transaction is retrieved from the secure element.

11. A method, comprising:

at an electronic device with a display and one or more wireless communication elements;

receiving an input requesting to enable the device for a payment transaction with a wireless payment terminal, wherein the request to enable the device for the payment transaction is an authorization from a user associated with a first payment account and a second payment account to use either the first payment account or the second payment account for the payment transaction with the wireless payment terminal;

in response to receiving the input, displaying, on the display, a payment indication that represents a plurality of payment accounts including the first payment account that was authorized for use for the payment transaction and the second payment account that was authorized for use for the payment transaction, wherein the payment indication was not displayed on the display prior to receiving the input requesting to enable the device for the payment transaction;

while displaying the payment indication that represents the plurality of payment accounts that have been authorized for use for the payment transaction, receiving from the wireless payment terminal, via the one or more wireless communication elements, a request for account information corresponding to the payment transaction ;

in response to receiving the request for account information corresponding to the payment transaction and without receiving further user input, automatically selecting and transmitting respective account information from the electronic device to the wireless payment terminal, including;

in accordance with a determination, by the electronic device, that payment criteria for the first payment account have been met, transmitting to the wireless payment terminal, via the one or more wireless communication elements, account information for the first payment account without transmitting account information for the second payment account; and

in accordance with a determination, by the electronic device, that payment criteria for the second payment account have been met, transmitting to the wireless payment terminal, via the one or more wireless communication elements, account information for the second payment account without transmitting account information for the first payment account; and

after automatically selecting and transmitting the respective account information to the wireless payment terminal, displaying, on the display, a graphical indication that the respective account information has been successfully transmitted to the wireless payment terminal.

16. The method of claim 11, wherein the electronic device is configured to enable payment using one of a default payment account and a plurality of non-default payment accounts, the method further comprising:

in accordance with a determination, by the electronic device, that payment criteria have not been met for any of the non-default payment accounts, transmitting to the wireless payment terminal, via the one or more wireless communication elements, account information for the default payment account without transmitting account information for the non-default payment accounts.

17. The method of claim 11, wherein the payment criteria includes a criterion based on a determination associated with a current location of the electronic device.

18. The method of claim 11, wherein the payment criteria includes a criterion based on the request for account information corresponding to the payment transaction.

19. The method of claim 11, wherein the payment indication that represents the plurality of payment accounts does not include an indication of the first payment account that was authorized for use for the payment transaction and does not include an indication of the second payment account that was authorized for use for the payment transaction.

20. The method of claim 11, wherein the plurality of payment accounts only include payment accounts for which the electronic device has received user input activating selection based on location without requiring user input.

21. The method of claim 11, wherein the plurality of payment accounts only include payment accounts for which a financial institution associated with the payment account has authorized the respective payment account for selection based on location without requiring user input.

22. The method of claim 11, wherein a contextual-selection mode of operation in which the electronic device selects, based on context, which of the plurality of payment accounts to use for a payment transaction is represented as a selectable payment option.

23. The method of claim 11, wherein the electronic device includes a touch-sensitive surface and further comprising:

receiving one or more inputs in a first direction;

in response to receiving the one or more inputs;

replacing, on the display, the payment indication that represents the plurality of payment accounts with a second visual indicator different from the payment indication that represents the plurality of payment accounts, wherein the second visual indicator identifies a third payment account that was authorized for use for the payment transaction different from the first payment account and the second payment account; and

enabling the electronic device to participate in a transaction with a wireless payment terminal using the third payment account via the one or more wireless communication elements.

24. The method of claim 11, wherein the payment indication that represents the plurality of payment accounts is different from visual indicators of individual payment accounts of the plurality of payment accounts.

25. The method of claim 11, wherein the authorization from the user is authenticated by the electronic device.

26. The method of claim 11, wherein the authorization from the user is biometrically authenticated by the electronic device.

27. The method of claim 11, wherein the electronic device includes a secure element and the account information corresponding to the payment transaction is retrieved from the secure element.

12. An electronic device comprising:

a display;

one or more wireless communication elements;

one or more processors; and

memory storing one or more programs, the one or more programs including instructions which, when executed by the one or more processors, cause the electronic device to;

receive an input requesting to enable the device for a payment transaction with a wireless payment terminal, wherein the request to enable the device for the payment transaction is an authorization from a user associated with a first payment account and a second payment account to use either the first payment account or the second payment account for the payment transaction with the wireless payment terminal;

in response to receiving the input, display, on the display, a payment indication that represents a plurality of payment accounts including the first payment account that was authorized for use for the payment transaction and the second payment account that was authorized for use for the payment transaction, wherein the payment indication was not displayed on the display prior to receiving the input requesting to enable the device for the payment transaction;

while causing the display of the payment indication that represents the plurality of payment accounts that have been authorized for user for the payment transaction, receive from the wireless payment terminal, via the one or more wireless communication elements, a request for account information corresponding to the payment transaction;

in response to receiving the request for account information corresponding to the payment transaction and without receiving further user input, automatically select and transmit respective account information from the electronic device to the wireless payment terminal, including;

in accordance with a determination, by the electronic device, that payment criteria for the first payment account have been met, transmit to the wireless payment terminal, via the one or more wireless communication elements, account information for the first payment account without transmitting account information for the second payment account; and

in accordance with a determination, by the electronic device, that payment criteria for the second payment account have been met, transmit to the wireless payment terminal, via the one or more wireless communication elements, account information for the second payment account without transmitting account information for the first payment account; and

after automatically selecting and transmitting the respective account information to the wireless payment terminal, display, on the display, a graphical indication that the respective account information has been successfully transmitted to the wireless payment terminal.

28. The electronic device of claim 12, wherein the electronic device is configured to enable payment using one of a default payment account and a plurality of non-default payment accounts, the one or more processors further configured to:

in accordance with a determination, by the electronic device, that payment criteria have not been met for any of the non-default payment accounts, transmit to the wireless payment terminal, via the one or more wireless communication elements, account information for the default payment account without transmitting account information for the non-default payment accounts.

29. The electronic device of claim 12, wherein the payment criteria includes a criterion based on a determination associated with a current location of the electronic device.

30. The electronic device of claim 12, wherein the payment criteria includes a criterion based on the request for account information corresponding to the payment transaction.

31. The electronic device of claim 12, wherein the payment indication that represents the plurality of payment accounts does not include an indication of the first payment account that was authorized for use for the payment transaction and does not include an indication of the second payment account that was authorized for use for the payment transaction.

32. The electronic device of claim 12, wherein the plurality of payment accounts only include payment accounts for which the electronic device has received user input activating selection based on location without requiring user input.

33. The electronic device of claim 12, wherein the plurality of payment accounts only include payment accounts for which a financial institution associated with the payment account has authorized the respective payment account for selection based on location without requiring user input.

34. The electronic device of claim 12, wherein a contextual-selection mode of operation in which the electronic device selects, based on context, which of the plurality of payment accounts to use for a payment transaction is represented as a selectable payment option.

35. The electronic device of claim 12, wherein the electronic device includes a touch- sensitive surface and the one or more processors further configured to:

receive one or more inputs in a first direction;

in response to receiving the one or more inputs;

replace, on the display, the payment indication that represents the plurality of payment accounts with a second visual indicator different from the payment indication that represents the plurality of payment accounts, wherein the second visual indicator identifies a third payment account that was authorized for use for the payment transaction different from the first payment account and the second payment account; and

enable the electronic device to participate in a transaction with a wireless payment terminal using the third payment account via the one or more wireless communication elements.

36. The electronic device of claim 12, wherein the payment indication that represents the plurality of payment accounts is different from visual indicators of individual payment accounts of the plurality of payment accounts.

37. The electronic device of claim 12, wherein the authorization from the user is authenticated by the electronic device.

38. The electronic device of claim 12, wherein the authorization from the user is biometrically authenticated by the electronic device.

39. The electronic device of claim 12, wherein the electronic device includes a secure element and the account information corresponding to the payment transaction is retrieved from the secure element.