User interface for payments

• US 9,324,067 B2
• Filed: 09/30/2014
• Issued: 04/26/2016
• Est. Priority Date: 05/29/2014
• Status: Active Grant

• Current Assignee: Apple Inc.
• Original Assignee: Apple Inc.
• Inventors: Van Os, Marcel, Dicker, George R., Adams, Christopher D., Steele, Glen W., Caro, Pablo F.
• Primary Examiner(s): VO, TUYEN KIM
• Application Number:
  US14/503,381
• Publication Number:
  US 20150348014A1
• Time in Patent Office: 574 Days
• Field of Search: 235/375, 235379-838
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of 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 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• 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 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0631 Item recommendations
• CPC Class Codes: H04L 67/10 in which an application is distributed across nodes in the network software deployment G06F8/60; multiprogramming arrangements G06F9/46
• CPC Class Codes: H04M 1/72403 with means for local support of applications that increase the functionality
• CPC Class Codes: H04M 1/72445 for supporting Internet browser applications

Abstract

The present disclosure relates to making payments with a mobile device. In one example process, the mobile device receives and stores information for one or more payment accounts on the mobile device. The mobile device is used to make payments using the payment accounts. In some examples, authorization to proceed with a payment is performed before each purchase made by the user. The authorization process can include receiving a verification of the user, such as a fingerprint scan or passcode. In some examples, a payment account is selected from among available payment accounts. In some examples, an indication is displayed of a digital item associated with a purchased item. In some examples, a payment transaction is initiated with participants of an ongoing communication. In some examples, an application of a retailer is invoked based on the availability of the application. In some examples, a purchase recommendation is provided.

Claims

1. A non-transitory computer-readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by an electronic device with a display, cause the device to:

display, on the display, an electronic wallet comprising a respective representation of a payment account, wherein the respective representation of the payment account includes first transaction information for a first payment transaction associated with the payment account;

proceed with a second payment transaction associated with the payment account that was authorized using the electronic device; and

after proceeding with the second payment transaction that was authorized using the electronic device, and prior to receiving information about the second payment transaction from the financial institution involved in the second transaction, display second transaction information for the second payment transaction, the second transaction information based on information locally available to the electronic device.

2. The non-transitory computer-readable storage medium of claim 1, wherein instructions to cause the device to display the second transaction information for the second payment transaction comprise instructions to cause the device to replace display of the first transaction information with display of the second transaction information.

3. The non-transitory computer-readable storage medium of claim 1, wherein information locally available to the electronic device comprises one or more of a date of the second payment transaction, a time of the second payment transaction, or a location of the electronic device when the electronic device proceeded with the second payment transaction.

4. The non-transitory computer-readable storage medium of claim 1, further comprising instructions to cause the device to:

receive first additional information about the second payment transaction from an intermediary institution involved in the second transaction; and

in response to receiving the first additional information about the second payment transaction from the intermediary institution involved in the second transaction, update display of the second transaction information for the second payment transaction to include the first additional information about the second payment transaction.

5. The non-transitory computer-readable storage medium of claim 4, wherein the first additional information comprises a monetary amount of the payment transaction.

6. The non-transitory computer-readable storage medium of claim 4, further comprising instructions to cause the device to:

receive second additional information; and

in response to receiving the second additional information about the second payment transaction from the financial institution involved in the second transaction, update display of the second transaction information for the second payment transaction to include the second additional information about the second payment transaction.

7. The non-transitory computer-readable storage medium of claim 6, wherein the second additional information about the second payment transaction comprises a name of a retailer receiving payment as a result of the second payment transaction.

8. The non-transitory computer-readable storage medium of claim 1, wherein the first payment transaction was completed using the electronic device.

9. The non-transitory computer-readable storage medium of claim 1, wherein the first payment transaction was completed using a physical credit card associated with the payment account.

10. The non-transitory computer-readable storage medium of claim 1, further comprising instructions to cause the device to:

receive a textual message from the financial institution;

display the textual message from the financial institution on the respective representation of the payment account;

receive selection of the displayed textual message; and

in response to receiving selection of the displayed textual message, display a particular application associated with the financial institution.

11. The non-transitory computer-readable storage medium of claim 1, further comprising instructions to cause the device to:

display an available credit amount on the respective representation of the payment account; and

wherein the available credit amount indicates the amount of credit available on the payment account based on a credit limit of the payment account.

12. The non-transitory computer-readable storage medium of claim 1, further comprising instructions to cause the device to:

display an account detail affordance on the respective representation of the payment account;

receive selection of the account detail affordance; and

in response to receiving selection of the account detail affordance, substitute display of the respective representation of the payment account for display of transactions details of the payment account, the transactions details including the first transaction information and the second transaction information.

13. The non-transitory computer-readable storage medium of claim 12, further comprising instructions to cause the device to:

determine whether a particular application for accessing details of the associated payment account is installed on the electronic device; and

in accordance with a determination that the particular application is installed, display on the transactions details an open-application affordance for accessing the particular application.

14. The non-transitory computer-readable storage medium of claim 13, further comprising instructions to cause the device to:

receive selection of the open-application affordance; and

in response to receiving selection of the open-application affordance, completely replace display of the transactions details with display of the particular application.

15. The non-transitory computer-readable storage medium of claim 12, further comprising instructions to cause the device to:

receive selection of the first transaction information of the displayed transactions details;

in response to receiving selection of the first transaction information, completely replace display of the transactions details with display of a particular application; and

wherein display of the particular application includes details about the first payment transaction associated with the payment account.

16. The non-transitory computer-readable storage medium of claim 12, further comprising instructions to cause the device to:

wherein the transactions details includes a more-transactions affordance;

receive selection of the more-transactions affordance; and

in response to receiving selection of the more-transactions affordance, display a third transaction information associated with a third payment transaction associated with the payment account as part of the displayed transactions details.

17. The non-transitory computer-readable storage medium of claim 12, further comprising instructions to cause the device to:

wherein the transactions details includes a remove-card affordance;

receive selection of the remove-card affordance;

in response to receiving selection of the remove-card affordance, display a confirmation request for removing the respective representation of the payment account from the electronic wallet;

receive a confirmation to remove the respective representation of the payment account from the electronic wallet; and

remove the respective representation of the payment account from the electronic wallet.

18. The non-transitory computer-readable storage medium of claim 1, further comprising instructions to cause the device to:

wherein the displayed electronic wallet comprises display of a first stack of card objects and a second stack of card objects, the first stack of card objects visually separated from the second stack of card objects;

wherein the first stack of card objects comprises the respective representation of the payment account and a second respective representation of a second payment account; and

wherein the second stack of card objects comprises a membership card object associated with a non-financial institution.

19. The non-transitory computer-readable storage medium of claim 1, wherein proceeding with the second payment transaction includes transmitting an identifier of the payment account to a payment terminal for use in completing the payment transaction.

20. A method, comprising:

at an electronic device with a display;

displaying, on the display, an electronic wallet comprising a respective representation of a payment account, wherein the respective representation of the payment account includes first transaction information for a first payment transaction associated with the payment account;

proceeding with a second payment transaction associated with the payment account that was authorized using the electronic device; and

after proceeding with the second payment transaction that was authorized using the electronic device, and prior to receiving information about the second payment transaction from the financial institution involved in the second transaction, displaying second transaction information for the second payment transaction, the second transaction information based on information locally available to the electronic device.

21. The method of claim 20, wherein proceeding with the second payment transaction includes transmitting an identifier of the payment account to a payment terminal for use in completing the payment transaction.

22. The method of claim 20, wherein displaying the second transaction information for the second payment transaction comprises replacing display of the first transaction information with display of the second transaction information.

23. The method of claim 20, wherein information locally available to the electronic device comprises one or more of a date of the second payment transaction, a time of the second payment transaction, or a location of the electronic device when the electronic device proceeded with the second payment transaction.

24. The method of claim 20, further comprising:

receiving first additional information about the second payment transaction from an intermediary institution involved in the second transaction; and

in response to receiving the first additional information about the second payment transaction from the intermediary institution involved in the second transaction, updating display of the second transaction information for the second payment transaction to include the first additional information about the second payment transaction.

25. The method of claim 24, wherein the first additional information comprises a monetary amount of the payment transaction.

26. The method of claim 24, further comprising:

receiving second additional information; and

in response to receiving the second additional information about the second payment transaction from the financial institution involved in the second transaction, updating display of the second transaction information for the second payment transaction to include the second additional information about the second payment transaction.

27. The method of claim 26, wherein the second additional information about the second payment transaction comprises a name of a retailer receiving payment as a result of the second payment transaction.

28. The method of claim 20, wherein the first payment transaction was completed using the electronic device.

29. The method of claim 20, wherein the first payment transaction was completed using a physical credit card associated with the payment account.

30. The method of claim 20, further comprising:

receiving a textual message from the financial institution;

displaying the textual message from the financial institution on the respective representation of the payment account;

receiving selection of the displayed textual message; and

in response to receiving selection of the displayed textual message, displaying a particular application associated with the financial institution.

31. The method of claim 20, further comprising:

displaying an available credit amount on the respective representation of the payment account; and

wherein the available credit amount indicates the amount of credit available on the payment account based on a credit limit of the payment account.

32. The method of claim 20, further comprising:

displaying an account detail affordance on the respective representation of the payment account;

receiving selection of the account detail affordance; and

in response to receiving selection of the account detail affordance, substituting display of the respective representation of the payment account for display of transactions details of the payment account, the transactions details including the first transaction information and the second transaction information.

33. The method of claim 32, further comprising:

determining whether a particular application for accessing details of the associated payment account is installed on the electronic device; and

in accordance with a determination that the particular application is installed, displaying on the transactions details an open-application affordance for accessing the particular application.

34. The method of claim 32, further comprising:

receiving selection of the first transaction information of the displayed transactions details;

in response to receiving selection of the first transaction information, completely replacing display of the transactions details with display of a particular application; and

wherein display of the particular application includes details about the first payment transaction associated with the payment account.

35. The method of claim 32, further comprising:

wherein the transactions details includes a more-transactions affordance;

receiving selection of the more-transactions affordance; and

in response to receiving selection of the more-transactions affordance, displaying a third transaction information associated with a third payment transaction associated with the payment account as part of the displayed transactions details.

36. The method of claim 32, further comprising:

wherein the transactions details includes a remove-card affordance;

receiving selection of the remove-card affordance;

in response to receiving selection of the remove-card affordance, displaying a confirmation request for removing the respective representation of the payment account from the electronic wallet;

receiving a confirmation to remove the respective representation of the payment account from the electronic wallet; and

removing the respective representation of the payment account from the electronic wallet.

37. The method of claim 33, further comprising:

receiving selection of the open-application affordance; and

in response to receiving selection of the open-application affordance, completely replacing display of the transactions details with display of the particular application.

38. The method of claim 20, wherein:

the displayed electronic wallet comprises display of a first stack of card objects and a second stack of card objects, the first stack of card objects visually separated from the second stack of card objects;

the first stack of card objects comprises the respective representation of the payment account and a second respective representation of a second payment account; and

the second stack of card objects comprises a membership card object associated with a non- financial institution.

39. An electronic device, comprising:

a display;

a memory; and

a processor coupled to the display and the memory, the processor configured to;

display, on the display, an electronic wallet comprising a respective representation of a payment account, wherein the respective representation of the payment account includes first transaction information for a first payment transaction associated with the payment account;

proceed with a second payment transaction associated with the payment account that was authorized using the electronic device; and

after proceeding with the second payment transaction that was authorized using the electronic device, and prior to receiving information about the second payment transaction from the financial institution involved in the second transaction, display second transaction information for the second payment transaction, the second transaction information based on information locally available to the electronic device.

40. The electronic device of claim 39, wherein proceeding with the second payment transaction includes transmitting an identifier of the payment account to a payment terminal for use in completing the payment transaction.

41. The electronic device of claim 39, wherein displaying the second transaction information for the second payment transaction comprises replacing display of the first transaction information with display of the second transaction information.

42. The electronic device of claim 39, wherein information locally available to the electronic device comprises one or more of a date of the second payment transaction, a time of the second payment transaction, or a location of the electronic device when the electronic device proceeded with the second payment transaction.

43. The electronic device of claim 39, the processor further configured to:

receive first additional information about the second payment transaction from an intermediary institution involved in the second transaction; and

in response to receiving the first additional information about the second payment transaction from the intermediary institution involved in the second transaction, update display of the second transaction information for the second payment transaction to include the first additional information about the second payment transaction.

44. The electronic device of claim 43, wherein the first additional information comprises a monetary amount of the payment transaction.

45. The electronic device of claim 43, the processor further configured to:

receive second additional information; and

in response to receiving the second additional information about the second payment transaction from the financial institution involved in the second transaction, update display of the second transaction information for the second payment transaction to include the second additional information about the second payment transaction.

46. The electronic device of claim 45, wherein the second additional information about the second payment transaction comprises a name of a retailer receiving payment as a result of the second payment transaction.

47. The electronic device of claim 39, wherein the first payment transaction was completed using the electronic device.

48. The electronic device of claim 39, wherein the first payment transaction was completed using a physical credit card associated with the payment account.

49. The electronic device of claim 39, the processor further configured to:

receive a textual message from the financial institution;

display the textual message from the financial institution on the respective representation of the payment account;

receive selection of the displayed textual message; and

in response to receiving selection of the displayed textual message, display a particular application associated with the financial institution.

50. The electronic device of claim 39, the processor further configured to:

display an available credit amount on the respective representation of the payment account;

and

wherein the available credit amount indicates the amount of credit available on the payment account based on a credit limit of the payment account.

51. The electronic device of claim 39, the processor further configured to:

display an account detail affordance on the respective representation of the payment account;

receive selection of the account detail affordance; and

in response to receiving selection of the account detail affordance, substituting display of the respective representation of the payment account for display of transactions details of the payment account, the transactions details including the first transaction information and the second transaction information.

52. The electronic device of claim 51, the processor further configured to:

determine whether a particular application for accessing details of the associated payment account is installed on the electronic device; and

in accordance with a determination that the particular application is installed, display on the transactions details an open-application affordance for accessing the particular application.

53. The electronic device of claim 52, the processor further configured to:

receive selection of the open-application affordance; and

in response to receiving selection of the open-application affordance, completely replace display of the transactions details with display of the particular application.

54. The electronic device of claim 51, the processor further configured to:

receive selection of the first transaction information of the displayed transactions details;

in response to receiving selection of the first transaction information, completely replace display of the transactions details with display of a particular application; and

wherein display of the particular application includes details about the first payment transaction associated with the payment account.

55. The electronic device of claim 51, wherein the transactions details includes a more-transactions affordance, the processor further configured to:

receive selection of the more-transactions affordance; and

in response to receiving selection of the more-transactions affordance, display a third transaction information associated with a third payment transaction associated with the payment account as part of the displayed transactions details.

56. The electronic device of claim 51, wherein the transactions details includes a remove-card affordance, the processor further configured to:

receive selection of the remove-card affordance;

in response to receiving selection of the remove-card affordance, display a confirmation request for removing the respective representation of the payment account from the electronic wallet;

receive a confirmation to remove the respective representation of the payment account from the electronic wallet; and

remove the respective representation of the payment account from the electronic wallet.

57. The electronic device of claim 39, wherein:

the displayed electronic wallet comprises display of a first stack of card objects and a second stack of card objects, the first stack of card objects visually separated from the second stack of card objects;

the first stack of card objects comprises the respective representation of the payment account and a second respective representation of a second payment account; and

the second stack of card objects comprises a membership card object associated with a non-financial institution.