User interface for loyalty accounts and private label accounts

• US 9,940,637 B2
• Filed: 09/29/2015
• Issued: 04/10/2018
• Est. Priority Date: 06/05/2015
• Status: Active Grant

• Current Assignee: Apple Inc.
• Original Assignee: Apple Inc.
• Inventors: Van Os, Marcel, Pitschel, Donald W., Suzuki, Gregg, Yang, Lawrence Y., Anton, Peter D., Steele, Glen W., Dicker, George R.
• Primary Examiner(s): Ebersman, Bruce I
• Assistant Examiner(s): GAW, MARK H
• Application Number:
  US14/869,715
• Publication Number:
  US 20160358199A1
• Time in Patent Office: 924 Days
• 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 20/363 with the personal data of a user
• 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 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems

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.

Claims

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

receiving, at the personal electronic device, via the one or more wireless communication antennas, information about a payment transaction for which a loyalty account is available to be used, wherein;

the payment transaction is a transaction between a merchant and a user of the personal electronic device;

the personal electronic device is a personal electronic device of the user and is configured to provide access to private information specific to the user that is stored on the personal electronic device, the private information including information for authorizing payment with a plurality of different payment accounts and the loyalty account; and

the information about the payment transaction is received from a contactless payment terminal that is under the control of a merchant and the information is received at the personal electronic device of the user;

receiving, via the one or more location sensor antennas, location information for the electronic device;

prior to concurrently displaying the graphical indication of the respective payment account and the graphical indication of the loyalty account, automatically selecting at least one of the respective payment account and the loyalty account based on the location information;

in response to receiving the information about the payment transaction that involves communication between the contactless payment terminal under the control of the merchant and the personal electronic device, concurrently displaying, on the display of the personal electronic device;

a graphical indication of a respective payment account, of the plurality of payment accounts stored on the personal electronic device, that has been selected at the personal electronic device for use in conducting the payment transaction, wherein the payment account is not associated with the merchant; and

a graphical indication of the loyalty account, stored on the personal electronic device, that has been selected at the personal electronic device for use in conducting the payment transaction, wherein the graphical indication of the loyalty account is displayed on the display of the personal electronic device while the graphical indication of the payment account is also displayed on the display of the personal electronic device, wherein the loyalty account is different from the payment account and the loyalty account is associated with the merchant;

transmitting payment account information of the payment account and loyalty account information of the loyalty account to the contactless payment terminal, wherein;

transmitting the payment account information corresponds to a transfer of value from the payment account to the merchant, and transmitting the payment account information includes transmitting, via the one or more wireless communication antennas, the payment account information to a near-field-communication antenna of the contactless payment terminal; and

transmitting the loyalty account information includes providing information about the user of the personal electronic device without transferring value from the loyalty account to the merchant, and transmitting the loyalty account information includes transmitting, via the one or more wireless communication antennas, the loyalty account information to a near-field-communication antenna of the contactless payment terminal; and

after transmitting the payment account information to the contactless payment terminal, displaying a description of the payment transaction, wherein;

in accordance with a determination that the loyalty account has been used for the payment transaction, displaying the description of the payment transaction includes displaying the indication or a further indication of the payment account and the indication or a further indication of the loyalty account; and

in accordance with a determination that the loyalty account has not been used for the payment transaction, displaying the description of the payment transaction includes displaying the indication or a further indication of the payment account and forgoing display of the indication or a further indication of the loyalty account.

2. The non-transitory computer-readable storage medium of claim 1, the one or more programs further including instructions for:

prior to receiving, via the one or more wireless communication antennas, information about the payment transaction for which a loyalty account is available;

detecting a field of the contactless payment terminal; and

determining that the electronic device is in a location in which the loyalty account can be used.

3. The non-transitory computer-readable storage medium of claim 1, the one or more programs further including instructions for:

prior to receiving, via the one or more wireless communication antennas, information about the payment transaction for which a loyalty account is available;

receiving, via the one or more wireless communication antennas, information from the contactless payment terminal indicating that loyalty account information has been entered at the contactless payment terminal.

4. The non-transitory computer-readable storage medium of claim 1, the one or more programs further including instructions for:

prior to receiving, via the one or more wireless communication antennas, information about the payment transaction for which a loyalty account is available;

receiving, via the one or more wireless communication antennas, information from the contactless payment terminal indicating that the loyalty account would be accepted.

5. The non-transitory computer-readable storage medium of claim 1, wherein the payment account is an account of an electronic wallet of the electronic device.

6. The non-transitory computer-readable storage medium of claim 1, wherein an electronic wallet of the electronic device includes loyalty account information for one or more different loyalty accounts associated with a user of the electronic device, the one or more different loyalty accounts being different from the loyalty account used for the payment transaction.

7. The non-transitory computer-readable storage medium of claim 1, wherein an electronic wallet of the electronic device includes loyalty account information for the loyalty account and payment account information for the payment account.

8. The non-transitory computer-readable storage medium of claim 1, wherein the payment account is a default payment account.

9. The non-transitory computer-readable storage medium of claim 1, wherein concurrently displaying, on the display, the graphical indication of the payment account for the payment transaction and the graphical indication of the loyalty account for the payment transaction occurs prior to receiving authorization to proceed with the payment transaction.

10. The non-transitory computer-readable storage medium of claim 1, the one or more programs further including instructions for:

receiving, using the one or more wireless communication antennas, confirmation of acceptance of payment account information of the payment account and loyalty account information of the loyalty account; and

in response to receiving confirmation of acceptance of payment account information, displaying, on the display, a confirmation of acceptance of payment account information of the payment account and loyalty account information of the loyalty account.

11. The non-transitory computer-readable storage medium of claim 1, the one or more programs further including instructions for:

determining that the contactless payment terminal has not approved the loyalty account; and

in response to determining that the contactless payment terminal has not approved the loyalty account, displaying the graphical indication of the payment account and forgoing display of the graphical indication of the loyalty account.

12. The non-transitory computer-readable storage medium of claim 1, the one or more programs further including instructions for:

prior to transmitting the payment account information of the payment account to the contactless payment terminal, displaying, on the display, a description of a prospective benefit of using a loyalty program associated with the loyalty account.

13. The non-transitory computer-readable storage medium of claim 1, the one or more programs further including instructions for:

subsequent to transmitting the payment account information of the payment account to the contactless payment terminal, displaying, on the display, a description of savings generated by using a loyalty program associated with the loyalty account.

14. The non-transitory computer-readable storage medium of claim 1, the one or more programs further including instructions for:

subsequent to transmitting the payment account information of the payment account to the contactless payment terminal, displaying, on the display, an indication of progress toward an objective associated with the loyalty account.

15. The non-transitory computer-readable storage medium of claim 1, wherein concurrently displaying the graphical indication of the respective payment account and the graphical indication of the loyalty account includes excluding from display graphical indications of accounts that are not involved in the transaction.

16. A method, comprising:

at a personal electronic device with one or more wireless communication antennas and a display;

receiving, at the personal electronic device, via the one or more wireless communication antennas, information about a payment transaction for which a loyalty account is available to be used, wherein;

the payment transaction is a transaction between a merchant and a user of the personal electronic device;

the personal electronic device is a personal electronic device of the user and is configured to provide access to private information specific to the user that is stored on the personal electronic device, the private information including information for authorizing payment with a plurality of different payment accounts and the loyalty account; and

the information about the payment transaction is received from a contactless payment terminal that is under the control of a merchant and the information is received at the personal electronic device of the user;

receiving, via the one or more location sensor antennas, location information for the electronic device;

prior to concurrently displaying the graphical indication of the respective payment account and the graphical indication of the loyalty account, automatically selecting at least one of the respective payment account and the loyalty account based on the location information;

in response to receiving the information about the payment transaction that involves communication between the contactless payment terminal under the control of the merchant and the personal electronic device, concurrently displaying, on the display of the personal electronic device;

a graphical indication of a respective payment account, of the plurality of payment accounts stored on the personal electronic device, that has been selected at the personal electronic device for use in conducting the payment transaction, wherein the payment account is not associated with the merchant; and

a graphical indication of the loyalty account, stored on the personal electronic device, that has been selected at the personal electronic device for use in conducting the payment transaction, wherein the graphical indication of the loyalty account is displayed on the display of the personal electronic device while the graphical indication of the payment account is also displayed on the display of the personal electronic device, wherein the loyalty account is different from the payment account and the loyalty account is associated with the merchant;

transmitting payment account information of the payment account and loyalty account information of the loyalty account to the contactless payment terminal, wherein;

transmitting the payment account information corresponds to a transfer of value from the payment account to the merchant, and transmitting the payment account information includes transmitting, via the one or more wireless communication antennas, the payment account information to a near-field-communication antenna of the contactless payment terminal; and

transmitting the loyalty account information includes providing information about the user of the personal electronic device without transferring value from the loyalty account to the merchant, and transmitting the loyalty account information includes transmitting, via the one or more wireless communication antennas, the loyalty account information to a near-field-communication antenna of the contactless payment terminal; and

after transmitting the payment account information to the contactless payment terminal, displaying a description of the payment transaction, wherein;

in accordance with a determination that the loyalty account has been used for the payment transaction, displaying the description of the payment transaction includes displaying the indication or a further indication of the payment account and the indication or a further indication of the loyalty account; and

in accordance with a determination that the loyalty account has not been used for the payment transaction, displaying the description of the payment transaction includes displaying the indication or a further indication of the payment account and forgoing display of the indication or a further indication of the loyalty account.

17. The method of claim 16, further comprising:

prior to receiving, via the one or more wireless communication antennas, information about the payment transaction for which a loyalty account is available;

detecting a field of the contactless payment terminal; and

determining that the electronic device is in a location in which the loyalty account can be used.

18. The method of claim 16, further comprising:

prior to receiving, via the one or more wireless communication antennas, information about the payment transaction for which a loyalty account is available;

receiving, via the one or more wireless communication antennas, information from the contactless payment terminal indicating that loyalty account information has been entered at the contactless payment terminal.

19. The method of claim 16, further comprising:

prior to receiving, via the one or more wireless communication antennas, information about the payment transaction for which a loyalty account is available;

receiving, via the one or more wireless communication antennas, information from the contactless payment terminal indicating that the loyalty account would be accepted.

20. The method of claim 16, wherein the payment account is an account of an electronic wallet of the electronic device.

21. The method of claim 16, wherein an electronic wallet of the electronic device includes loyalty account information for one or more different loyalty accounts associated with a user of the electronic device, the one or more different loyalty accounts being different from the loyalty account used for the payment transaction.

22. The method of claim 16, wherein an electronic wallet of the electronic device includes loyalty account information for the loyalty account and payment account information for the payment account.

23. The method of claim 16, wherein the payment account is a default payment account.

24. The method of claim 16, wherein concurrently displaying, on the display, the graphical indication of the payment account for the payment transaction and the graphical indication of the loyalty account for the payment transaction occurs prior to receiving authorization to proceed with the payment transaction.

25. The method of claim 16, further comprising:

receiving, using the one or more wireless communication antennas, confirmation of acceptance of payment account information of the payment account and loyalty account information of the loyalty account; and

in response to receiving confirmation of acceptance of payment account information, displaying, on the display, a confirmation of acceptance of payment account information of the payment account and loyalty account information of the loyalty account.

26. The method of claim 16, further comprising:

determining that the contactless payment terminal has not approved the loyalty account; and

in response to determining that the contactless payment terminal has not approved the loyalty account, displaying the graphical indication of the payment account and forgoing display of the graphical indication of the loyalty account.

27. The method of claim 16, further comprising:

prior to transmitting the payment account information of the payment account to the contactless payment terminal, displaying, on the display, a description of a prospective benefit of using a loyalty program associated with the loyalty account.

28. The method of claim 16, further comprising one or more processors configured to:

subsequent to transmitting the payment account information of the payment account to the contactless payment terminal, displaying, on the display, a description of savings generated by using a loyalty program associated with the loyalty account.

29. The method of claim 16, further comprising:

subsequent to transmitting the payment account information of the payment account to the contactless payment terminal, displaying, on the display, an indication of progress toward an objective associated with the loyalty account.

30. The method of claim 16, wherein concurrently displaying the graphical indication of the respective payment account and the graphical indication of the loyalty account includes excluding from display graphical indications of accounts that are not involved in the transaction.

31. A personal electronic device comprising:

one or more wireless communication antennas;

a display

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 personal electronic device to;

receive, at the personal electronic device, via the one or more wireless communication antennas, information about a payment transaction for which a loyalty account is available to be used, wherein;

the payment transaction is a transaction between a merchant and a user of the personal electronic device;

the personal electronic device is a personal electronic device of the user and is configured to provide access to private information specific to the user that is stored on the personal electronic device, the private information including information for authorizing payment with a plurality of different payment accounts and the loyalty account; and

the information about the payment transaction is received from a contactless payment terminal that is under the control of a merchant and the information is received at the personal electronic device of the user;

receive, via the one or more location sensor antennas, location information for the electronic device;

prior to concurrently displaying the graphical indication of the respective payment account and the graphical indication of the loyalty account, automatically select at least one of the respective payment account and the loyalty account based on the location information;

in response to receiving the information about the payment transaction that involves communication between the contactless payment terminal under the control of the merchant and the personal electronic device, concurrently display, on the display of the personal electronic device;

a graphical indication of a respective payment account, of the plurality of payment accounts stored on the personal electronic device, that has been selected at the personal electronic device for use in conducting the payment transaction, wherein the payment account is not associated with the merchant; and

a graphical indication of the loyalty account, stored on the personal electronic device, that has been selected at the personal electronic device for use in conducting the payment transaction, wherein the graphical indication of the loyalty account is displayed on the display of the personal electronic device while the graphical indication of the payment account is also displayed on the display of the personal electronic device, wherein the loyalty account is different from the payment account and the loyalty account is associated with the merchant;

transmit payment account information of the payment account and loyalty account information of the loyalty account to the contactless payment terminal, wherein;

transmitting the payment account information corresponds to a transfer of value from the payment account to the merchant, and transmitting the payment account information includes transmitting, via the one or more wireless communication antennas, the payment account information to a near-field-communication antenna of the contactless payment terminal; and

transmitting the loyalty account information includes providing information about the user of the personal electronic device without transferring value from the loyalty account to the merchant, and transmitting the loyalty account information includes transmitting, via the one or more wireless communication antennas, the loyalty account information to a near-field-communication antenna of the contactless payment terminal; and

after transmitting the payment account information to the contactless payment terminal, display a description of the payment transaction, wherein;

in accordance with a determination that the loyalty account has been used for the payment transaction, displaying the description of the payment transaction includes displaying the indication or a further indication of the payment account and the indication or a further indication of the loyalty account; and

in accordance with a determination that the loyalty account has not been used for the payment transaction, displaying the description of the payment transaction includes displaying the indication or a further indication of the payment account and forgoing display of the indication or a further indication of the loyalty account.

32. The electronic device of claim 31, the one or more programs further including instructions that cause the electronic device to:

prior to receiving, via the one or more wireless communication antennas, information about the payment transaction for which a loyalty account is available;

detect a field of the contactless payment terminal; and

determine that the electronic device is in a location in which the loyalty account can be used.

33. The electronic device of claim 31, the one or more programs further including instructions that cause the electronic device to:

prior to receiving, via the one or more wireless communication antennas, information about the payment transaction for which a loyalty account is available;

receive, via the one or more wireless communication antennas, information from the contactless payment terminal indicating that loyalty account information has been entered at the contactless payment terminal.

34. The electronic device of claim 31, the one or more programs further including instructions that cause the electronic device to:

prior to receiving, via the one or more wireless communication antennas, information about the payment transaction for which a loyalty account is available;

receive, via the one or more wireless communication antennas, information from the contactless payment terminal indicating that the loyalty account would be accepted.

35. The electronic device of claim 31, wherein the payment account is an account of an electronic wallet of the electronic device.

36. The electronic device of claim 31, wherein an electronic wallet of the electronic device includes loyalty account information for one or more different loyalty accounts associated with a user of the electronic device, the one or more different loyalty accounts being different from the loyalty account used for the payment transaction.

37. The electronic device of claim 31, wherein an electronic wallet of the electronic device includes loyalty account information for the loyalty account and payment account information for the payment account.

38. The electronic device of claim 31, wherein the payment account is a default payment account.

39. The electronic device of claim of claim 31, wherein concurrently displaying, on the display, the graphical indication of the payment account for the payment transaction and the graphical indication of the loyalty account for the payment transaction occurs prior to receiving authorization to proceed with the payment transaction.

40. The electronic device of claim 31, the one or more programs further including instructions that cause the electronic device to:

receive, using the one or more wireless communication antennas, confirmation of acceptance of payment account information of the payment account and loyalty account information of the loyalty account; and

in response to receiving confirmation of acceptance of payment account information, display, on the display, a confirmation of acceptance of payment account information of the payment account and loyalty account information of the loyalty account.

41. The electronic device of claim 31, the one or more programs further including instructions that cause the electronic device to:

determine that the contactless payment terminal has not approved the loyalty account; and

in response to determining that the contactless payment terminal has not approved the loyalty account, display the graphical indication of the payment account and forgoing display of the graphical indication of the loyalty account.

42. The electronic device of claim 31, the one or more programs further including instructions that cause the electronic device to:

prior to transmitting the payment account information of the payment account to the contactless payment terminal, display, on the display, a description of a prospective benefit of using a loyalty program associated with the loyalty account.

43. The electronic device of claim 31, the one or more programs further including instructions that cause the electronic device to:

subsequent to transmitting the payment account information of the payment account to the contactless payment terminal, display, on the display, a description of savings generated by using a loyalty program associated with the loyalty account.

44. The electronic device of claim 31, the one or more programs further including instructions that cause the electronic device to:

subsequent to transmitting the payment account information of the payment account to the contactless payment terminal, display, on the display, an indication of progress toward an objective associated with the loyalty account.

45. The electronic device of claim 31, wherein concurrently displaying the graphical indication of the respective payment account and the graphical indication of the loyalty account includes excluding from display graphical indications of accounts that are not involved in the transaction.