User interface for loyalty accounts and private label accounts

• US 10,026,094 B2
• Filed: 09/30/2015
• Issued: 07/17/2018
• 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:
  US14/871,654
• Publication Number:
  US 20160358168A1
• Time in Patent Office: 1,021 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 an electronic device with a location sensor, a short-range communication radio, and a display, the one or more programs including instructions for:

detecting, using the location sensor, that a current location is associated with prompting for use of a particular payment account, wherein the current location is based on one or more of received short-range communication signals and received GPS signals;

in response to detecting that the current location is associated with prompting for use of the particular payment account;

determining whether the electronic device has previously received an indication of a user preference associated with using the particular payment account at the current location, wherein the indication of the user preference is based on a prior approval for use of the particular payment account at the current location;

in accordance with a determination that the device has previously received an indication of the user preference associated with using the particular payment account at the current location, displaying, on the display, a visual indication that the particular payment account is available for use at the location;

in accordance with a determination that the device has not previously received an indication of the user preference associated with using the particular payment account at the current location, forgoing displaying, on the display, the visual indication that the particular payment account is available for use at the location; and

subsequent to determining whether the electronic device has previously received an indication of a user preference;

detecting, by the short-range communication radio, presence of a field generated by a contactless payment terminal while authorization to proceed with a payment transaction has not been provided;

in response to detecting presence of the field generated by the contactless payment terminal while authorization to proceed with the payment transaction has not been provided, providing a prompt to authorize payment;

after providing the prompt, receiving user input selecting a second payment account for use in the payment transaction at the current location; and

in response to receiving the user input selecting the second payment account, initiating a process for configuring the electronic device to use the second payment account in the payment transaction.

2. The non-transitory computer-readable storage medium of claim 1, wherein displaying, on the display, the visual indication comprises displaying a visual indication that the particular payment account will be used for a payment transaction conducted at the current location in the absence of input specifying a different payment account before the device receives authorization to proceed with a payment transaction using the device.

3. The non-transitory computer-readable storage medium of claim 1, wherein displaying, on the display, the visual indication comprises displaying a visual indication recommending that the particular payment account be used for a payment transaction conducted at the current location, further including instructions for:

receiving user input accepting the recommendation; and

preparing the particular payment account for use at a contactless payment terminal at the current location.

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

5. A method, comprising:

at an electronic device with a location sensor and a display;

detecting, using the location sensor, that a current location is associated with prompting for use of a particular payment account, wherein the current location is based on one or more of received short-range communication signals and received GPS signals;

in response to detecting that the current location is associated with prompting for use of the particular payment account;

determining whether the electronic device has previously received an indication of a user preference associated with using the particular payment account at the current location, wherein the indication of the user preference is based on a prior approval for use of the particular payment account at the current location;

in accordance with a determination that the device has previously received an indication of the user preference associated with using the particular payment account at the current location, displaying, on the display, a visual indication that the particular payment account is available for use at the location;

in accordance with a determination that the device has not previously received an indication of the user preference associated with using the particular payment account at the current location, forgoing displaying, on the display, the visual indication that the particular payment account is available for use at the location; and

subsequent to determining whether the electronic device has previously received an indication of a user preference;

detecting, by the short-range communication radio, presence of a field generated by a contactless payment terminal while authorization to proceed with a payment transaction has not been provided;

in response to detecting presence of the field generated by the contactless payment terminal while authorization to proceed with the payment transaction has not been provided, providing a prompt to authorize payment;

after providing the prompt, receiving user input selecting a second payment account for use in the payment transaction at the current location; and

in response to receiving the user input selecting the second payment account, initiating a process for configuring the electronic device to use the second payment account in the payment transaction.

6. The method of claim 5, wherein displaying, on the display, the visual indication comprises displaying a visual indication that the particular payment account will be used for a payment transaction conducted at the current location in the absence of input specifying a different payment account before the device receives authorization to proceed with a payment transaction using the device.

7. The method of claim 5, wherein displaying, on the display, the visual indication comprises displaying a visual indication recommending that the particular payment account be used for a payment transaction conducted at the current location, the method further comprising:

receiving user input accepting the recommendation; and

preparing the particular payment account for use at a contactless payment terminal at the current location.

8. The method of claim 5, wherein an electronic wallet of the electronic device includes one or more different payment accounts associated with a user of the electronic device, the one or more different payment accounts being different from the particular payment account.

9. An electronic device comprising:

a location sensor;

a display;

a short-range communication radio;

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;

detect, using the location sensor, that a current location is associated with prompting for use of a particular payment account, wherein the current location is based on one or more of received short-range communication signals and received GPS signals;

in response to detecting that the current location is associated with prompting for use of the particular payment account;

determine whether the electronic device has previously received an indication of a user preference associated with using the particular payment account at the current location, wherein the indication of the user preference is based on a prior approval for use of the particular payment account at the current location;

in accordance with a determination that the device has previously received an indication of the user preference associated with using the particular payment account at the current location, display, on the display, a visual indication that the particular payment account is available for use at the location;

in accordance with a determination that the device has not previously received an indication of the user preference associated with using the particular payment account at the current location, forgo displaying, on the display, the visual indication that the particular payment account is available for use at the location;

subsequent to determining whether the electronic device has previously received an indication of a user preference;

detect, by the short-range communication radio, presence of a field generated by a contactless payment terminal while authorization to proceed with a payment transaction has not been provided;

in response to detecting presence of the field generated by the contactless payment terminal while authorization to proceed with the payment transaction has not been provided, provide a prompt to authorize payment;

after providing the prompt, receive user input selecting a second payment account for use in the payment transaction at the current location; and

in response to receiving the user input selecting the second payment account, initiate a process for configuring the electronic device to use the second payment account in the payment transaction.

10. The electronic device of claim 9, wherein displaying, on the display, the visual indication comprises displaying a visual indication that the particular payment account will be used for a payment transaction conducted at the current location in the absence of input specifying a different payment account before the device receives authorization to proceed with a payment transaction using the device.

11. The electronic device of claim 9, wherein displaying, on the display, the visual indication comprises displaying a visual indication recommending that the particular payment account be used for a payment transaction conducted at the current location, further including instructions to:

receive user input accepting the recommendation; and

prepare the particular payment account for use at a contactless payment terminal at the current location.

12. The electronic device of claim 9, wherein an electronic wallet of the electronic device includes one or more different payment accounts associated with a user of the electronic device, the one or more different payment accounts being different from the particular payment account.