User interface for loyalty accounts and private label accounts
First Claim
Patent Images
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 one or more wireless communication antennas, the one or more programs including instructions for:
- receiving, from a contactless payment terminal via the one or more wireless communication antennas, a request associated with a payment transaction at the electronic device, wherein the electronic device stores payment account information for a plurality of payment accounts specific to a user of the electronic device; and
in response to receiving the request associated with the payment transaction;
determining, automatically, by the device, whether to use a default payment account or a payment account of a particular payment account type based at least in part on whether the request comprises a request for payment using a particular payment account type;
in accordance with a determination that the request does not comprise the request for payment using the particular payment account type, proceeding with the payment transaction using a default payment account; and
in accordance with a determination that the request comprises the request for payment using the particular payment account type;
determining whether a payment account selection condition is met, wherein the payment account selection condition is not met when;
the contactless payment terminal is of a first type, andthe device has not previously received approval from a user to use the payment account of the particular payment account type at contactless payment terminals of the first type; and
in accordance with a determination that the payment account selection condition is not met, forgoing automatically proceeding with the payment transaction using a payment account of the particular payment account type;
after forgoing automatically proceeding with the payment transaction using the payment account of the particular payment account type in response to receiving the request associated with the payment transaction in accordance with the determination that the request comprises the request for payment using the particular payment account type and in accordance with the determination that the payment account selection condition is not met;
receiving a user input; and
in response to receiving the user input, providing an indication that a second payment account different from the payment account of the particular payment account type will be used for proceeding with the payment transaction.
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Abstract
The present disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using an 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.
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Citations
30 Claims
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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 one or more wireless communication antennas, the one or more programs including instructions for:
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receiving, from a contactless payment terminal via the one or more wireless communication antennas, a request associated with a payment transaction at the electronic device, wherein the electronic device stores payment account information for a plurality of payment accounts specific to a user of the electronic device; and in response to receiving the request associated with the payment transaction; determining, automatically, by the device, whether to use a default payment account or a payment account of a particular payment account type based at least in part on whether the request comprises a request for payment using a particular payment account type; in accordance with a determination that the request does not comprise the request for payment using the particular payment account type, proceeding with the payment transaction using a default payment account; and in accordance with a determination that the request comprises the request for payment using the particular payment account type; determining whether a payment account selection condition is met, wherein the payment account selection condition is not met when; the contactless payment terminal is of a first type, and the device has not previously received approval from a user to use the payment account of the particular payment account type at contactless payment terminals of the first type; and in accordance with a determination that the payment account selection condition is not met, forgoing automatically proceeding with the payment transaction using a payment account of the particular payment account type; after forgoing automatically proceeding with the payment transaction using the payment account of the particular payment account type in response to receiving the request associated with the payment transaction in accordance with the determination that the request comprises the request for payment using the particular payment account type and in accordance with the determination that the payment account selection condition is not met; receiving a user input; and in response to receiving the user input, providing an indication that a second payment account different from the payment account of the particular payment account type will be used for proceeding with the payment transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method, comprising:
at an electronic device with one or more wireless communication antennas; receiving, from a contactless payment terminal via the one or more wireless communication antennas, a request associated with a payment transaction at the electronic device, wherein the electronic device stores payment account information for a plurality of payment accounts specific to a user of the electronic device; and in response to receiving the request associated with the payment transaction; determining, automatically, by the device, whether to use a default payment account or a payment account of a particular payment account type based at least in part on whether the request comprises a request for payment using a particular payment account type; in accordance with a determination that the request does not comprise the request for payment using the particular payment account type, proceeding with the payment transaction using a default payment account; and in accordance with a determination that the request comprises the request for payment using the particular payment account type; determining whether a payment account selection condition is met, wherein the payment account selection condition is not met when;
the contactless payment terminal is of a first type, and
the device has not previously received approval from a user to use the payment account of the particular payment account type at contactless payment terminals of the first type; andin accordance with a determination that the payment account selection condition is not met, forgoing automatically proceeding with the payment transaction using a payment account of the particular payment account type; after forgoing automatically proceeding with the payment transaction using the payment account of the particular payment account type in response to receiving the request associated with the payment transaction in accordance with the determination that the request comprises the request for payment using the particular payment account type and in accordance with the determination that the payment account selection condition is not met; receiving a user input; and in response to receiving the user input, providing an indication that a second payment account different from the payment account of the particular payment account type will be used for proceeding with the payment transaction. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. An electronic device comprising:
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one or more wireless communication antennas; one or more processors; 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, from a contactless payment terminal via the one or more wireless communication antennas, a request associated with a payment transaction at the electronic device, wherein the electronic device stores payment account information for a plurality of payment accounts specific to a user of the electronic device; and in response to receiving the request associated with the payment transaction; determine, automatically, by the device, whether to use a default payment account or a payment account of a particular payment account type based at least in part on whether the request comprises a request for payment using a particular payment account type; in accordance with a determination that the request does not comprise the request for payment using the particular payment account type, proceed with the payment transaction using a default payment account; and in accordance with a determination that the request comprises the request for payment using the particular payment account type; determine whether a payment account selection condition is met, wherein the payment account selection condition is not met when;
the contactless payment terminal is of a first type, and
the device has not previously received approval from a user to use the payment account of the particular payment account type at contactless payment terminals of the first type; andin accordance with a determination that the payment account selection condition is not met, forgo automatically proceeding with the payment transaction using a payment account of the particular payment account type; after forgoing automatically proceeding with the payment transaction using the payment account of the particular payment account type in response to receiving the request associated with the payment transaction in accordance with the determination that the request comprises the request for payment using the particular payment account type and in accordance with the determination that the payment account selection condition is not met; receive a user input and in response to receiving the user input, provide an indication that a second payment account different from the payment account of the particular payment account type will be used for proceeding with the payment transaction. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30)
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Specification