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

• US 10,699,262 B2
• Filed: 10/11/2019
• Issued: 06/30/2020
• 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:
  US16/600,289
• Publication Number:
  US 20200042970A1
• Time in Patent Office: 263 Days
• Field of Search: 235379, 235380, 235383, 235375
• 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 postage metering system using cryptography G06Q2250/05
• 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:

securely storing, at a secure element of an electronic device, payment information associated with an account, wherein the secure element controls access to the payment information and is separate from an app processor of the electronic device;

detecting a biometric input or entry of a passcode;

determining that the biometric input corresponds to a stored biometric signature or that the passcode matches a stored passcode;

detecting a proximate point-of-sale (POS) terminal;

determining, via a transaction app being executed by the app processor, that a payment transaction is to be performed based on;

the detection of the POS terminal; and

the determination that the biometric input corresponds to the stored biometric signature or that the passcode matches a stored passcode;

in response to the determination that the payment transaction is to be performed;

retrieving the payment information from the secure element of the electronic device; and

transmitting, from the electronic device, a communication that includes the payment information to the POS terminal;

receiving an indication that a transaction has been completed; and

outputting a stimulus that is indicative of the transaction having been completed.

2. The method of claim 1, wherein each of the indication that the transaction has been completed and the stimulus includes an identifier of an entity associated with the POS terminal and a paid amount.

3. The method of claim 1, wherein the detecting the biometric input or entry of the passcode includes detecting the biometric input.

4. The method of claim 3, wherein the biometric input includes a fingerprint input.

5. The method of claim 1, wherein the communication is transmitted to the POS terminal via near-field communication.

6. 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, using a user interface of the electronic device and via the transaction app, an other representation of an other card corresponding to the other payment account;

receiving, prior to the retrieval of the payment information, another input that corresponds to a selection of the payment account.

7. The method of claim 1, wherein the biometric input or entry of the passcode is detected prior to detecting the POS terminal.

8. An electronic device comprising:

one or more processors; 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;

securely storing, at a secure element of an electronic device, payment information associated with an account, wherein the secure element controls access to the payment information and is separate from an app processor of the one or more processors;

detecting entry of an authentication credential;

determining the authentication credential matches a stored authentication credential;

detecting a proximate point-of-sale (POS) terminal;

determining, using a transaction app executing at the app processor, that a payment transaction is to be performed based on;

the detection of the POS terminal; and

the determination that the authentication credential matches a stored authentication credential;

in response to the determination that the payment transaction is to be performed;

retrieving the payment information from the secure element of the electronic device; and

transmitting, from the electronic device, a communication that includes the payment information to the POS terminal;

receiving an indication that a transaction has been completed; and

outputting a stimulus that is indicative of the transaction having been completed.

9. The electronic device of claim 8, wherein each of the indication that the transaction has been completed and the stimulus includes an identifier of an entity associated with the POS terminal and a paid amount.

10. The electronic device of claim 8, wherein retrieving the payment information from the secure element can include causing power to be supplied to the secure element.

11. The electronic device of claim 8, wherein the communication is transmitted to the POS terminal via near-field communication.

12. 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 a user interface component of the electronic device and via the transaction app, an other representation of an other card corresponding to the other payment account;

receiving, prior to the retrieval of the payment information, another input that corresponds to a selection of the payment account.

13. The electronic device of claim 8, wherein the entry of the authentication credential is detected prior to detecting the POS terminal.

14. A computer-program product tangibly embodied in a non-transitory machine-readable storage medium, including instructions configured to cause one or more data processors to perform actions including:

initiating securely storing, at a secure element of an electronic device, payment information associated with an account, wherein the secure element controls access to the payment information and is separate from an app processor of the one or more data processors;

detecting input data that includes biometric data or a passcode;

determining that the input data corresponds to stored authorizing-input data;

detecting a proximate point-of-sale (POS) terminal;

determining, by a transaction app executing at the app processor, that a payment transaction is to be performed based on;

the detection of the POS terminal; and

the determination that the input data corresponds to the stored authorizing-input data;

in response to the determination that the payment transaction is to be performed;

retrieving the payment information from the secure element of the electronic device; and

transmitting, from the electronic device, a communication that includes the payment information to the POS terminal;

receiving an indication that a transaction has been completed; and

outputting a stimulus that is indicative of the transaction having been completed.

15. The computer-program product of claim 14, wherein each of the indication that the transaction has been completed and the stimulus includes an identifier of an entity associated with the POS terminal and a paid amount.

16. The computer-program product of claim 14, wherein the input data includes biometric data.

17. The computer-program product of claim 16, wherein the stored authorizing-input data includes biometric data.

18. The computer-program product of claim 14, wherein the communication is transmitted to the POS terminal via near-field communication.

19. The computer-program product of claim 14, 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 a user interface component of the electronic device and via the transaction app, an other representation of an other card corresponding to the other payment account;

receiving, prior to the retrieval of the payment information, another input that corresponds to a selection of the payment account.

20. The computer-program product of claim 14, wherein the input data is detected after detecting the POS terminal.