User interface for payments

• US 10,043,185 B2
• Filed: 09/30/2014
• Issued: 08/07/2018
• Est. Priority Date: 05/29/2014
• Status: Active Grant

• Current Assignee: Apple Inc.
• Original Assignee: Apple Inc.
• Inventors: Van Os, Marcel, Caro, Pablo F., Lee, Woo-Ram, Dicker, George R., Adams, Christopher D., Ahn, Charles, Federighi, Craig M., Tucker, Brian, Yerkes, Giancarlo
• Primary Examiner(s): APPLE, KIRSTEN SACHWITZ
• Application Number:
  US14/503,072
• Publication Number:
  US 20150348029A1
• Time in Patent Office: 1,407 Days
• Field of Search: 705 35, 705 38
• 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 and a short-range communication radio, cause the device to:

detect, by the short-range communication radio, presence of a field generated by a contactless payment transaction terminal;

in response to detecting presence of the field generated by the contactless payment transaction terminal, determine whether authorization to proceed with a payment transaction is provided;

in accordance with a determination that authorization to proceed with the payment transaction has been provided;

transmit, using the short-range communication radio, payment credentials to the contactless payment transaction terminal; and

display, on the display, a visual indication that the payment credentials have been transmitted from the device to the contactless payment transaction terminal;

in accordance with a determination that authorization to proceed with the payment transaction has not been provided, display, on the display, a visual indication requesting authorization to proceed with the payment transaction;

after detecting the presence of the field generated by the contactless payment transaction terminal when authorization to proceed with the payment transaction has not been provided;

detect, by the short-range communication radio, that the device is no longer in range of the field generated by the contactless payment transaction terminal;

in response to detecting that the device is no longer in range of the field, display a plurality of payment card affordances associated with different payment accounts; and

receive authorization to proceed with the payment transaction for a predetermined period of time with one of the payment accounts.

2. The non-transitory computer-readable storage medium of claim 1, wherein a user interface of the electronic device is locked when presence of the field generated is detected and the display of the electronic device is off when presence of the field generated is detected, and further comprising instructions to cause the device to, in response to detecting the presence of the field generated by the contactless payment transaction terminal, turn the display on.

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

provide an indication that a default payment card affordance of the plurality of payment card affordances is selected as a default payment account; and

wherein a default primary account number associated with the default payment card affordance is selected for use in the payment transaction.

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

receive a selection of an alternate payment card affordance of the plurality of payment card affordances, the alternate payment card affordance associated with a respective alternate primary account number; and

in response to receiving the selection of the alternate payment card affordance, select the respective alternate primary account number for use in the payment transaction.

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

prior to detecting presence of the field generated by the contactless payment transaction terminal, receive authorization to proceed with a payment transaction for a predetermined period of time.

6. The non-transitory computer-readable storage medium of claim 1, further comprising instructions to cause the device, while the device is within range of the field generated by the contactless payment transaction terminal, to:

detect a respective fingerprint on a fingerprint sensor of the electronic device;

in response to detecting the respective fingerprint on the fingerprint sensor, determine whether the fingerprint is consistent with an enrolled fingerprint that is enabled to authorize payment transactions;

in accordance with a determination that a respective fingerprint is consistent with the enrolled fingerprint, authorize the payment transaction; and

in accordance with a determination that the respective fingerprint is not consistent with the enrolled fingerprint, forgo authorization of the payment transaction.

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

in accordance with a determination that the respective fingerprint is not consistent with the enrolled fingerprint;

play, at the electronic device, a failure audio alert through a speaker, the failure audio alert indicating that authorization to proceed with the payment transaction has not been provided.

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

in accordance with the determination that authorization to proceed with the payment transaction has been provided, determine whether the payment transaction is successfully completed; and

in response to determining the payment transaction is successfully completed, play, at the electronic device, a success audio alert, the success audio alert indicating that the payment transaction is successfully completed.

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

in accordance with a determination that the respective fingerprint is not consistent with the enrolled fingerprint;

cause, at the electronic device, a failure haptic alert indicating that authorization to proceed with the payment transaction has not been provided.

10. The non-transitory computer-readable storage medium of claim 9, further comprising instructions to cause the device to:

in accordance with the determination that authorization to proceed with the payment transaction has been provided, determine whether the payment transaction is successfully completed; and

in response to determining the payment transaction is successfully completed, cause, at the electronic device, a success haptic alert indicating that the payment transaction is successfully completed.

11. The non-transitory computer-readable storage medium of claim 10, wherein the failure haptic alert and the success haptic alert are different.

12. The non-transitory computer-readable storage medium of claim 11, wherein the failure haptic alert is longer in duration and more intense than the success haptic alert.

13. The non-transitory computer-readable storage medium of claim 9, further comprising instructions to cause the device to:

in accordance with a determination that the respective fingerprint is not consistent with the enrolled fingerprint;

display, on the display, an affordance for receiving authorization to proceed with the payment transaction using a payment passcode.

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

determine whether a predetermined number of attempts to receive authorization to proceed with the payment transaction using a fingerprint sensor has been reached; and

in accordance with a determination that the predetermined number of attempts to receive authorization has been reached, require authorization using a payment passcode to proceed with the payment transaction.

15. The non-transitory computer-readable storage medium of claim 9, further comprising instructions to cause the device to:

in accordance with a determination that the respective fingerprint is not consistent with the enrolled fingerprint, display, on the display, a visual prompt instructing a user to place a finger on the fingerprint sensor.

16. The non-transitory computer-readable storage medium of claim 1, wherein instructions to cause the device to receive authorization to proceed with the payment transaction comprise instructions to cause the device to:

receive a payment passcode at the electronic device;

determine that the payment passcode is consistent with an enrolled passcode that is enabled to authorize payment transactions; and

in response to determining that the payment passcode is consistent with the enrolled passcode, authorize the payment transaction.

17. The non-transitory computer-readable storage medium of claim 1, wherein instructions to cause the device to receive authorization to proceed with the payment transaction comprise instructions to cause the device to:

detect a respective fingerprint on a fingerprint sensor of the electronic device; and

in response to detecting the respective fingerprint on the fingerprint sensor, determine that the fingerprint is consistent with an enrolled fingerprint that is enabled to authorize payment transactions, and in accordance with a determination that a respective fingerprint is consistent with the enrolled fingerprint, authorize the payment transaction.

18. The non-transitory computer-readable storage medium of claim 1, wherein instructions to cause the device to provide the indication requesting authorization to proceed with the payment transaction comprise instructions to cause the device to:

detect, by the short-range communication radio, whether the device continues to be in the presence of the field;

in response to detecting that the device does not continue to be in the presence of the field, display, on the display, a visual indicator indicating that authentication has failed; and

in response to detecting that the device continues to be in the presence of the field, cause, at the electronic device, a non-visual alert indicating that authentication has failed.

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

in response to receiving authorization to proceed with the payment transaction, display, on the display, a graphical indication that authorization to proceed has been provided.

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

in response to receiving authorization to proceed with the payment transaction, transmit the payment credentials from the device to the contactless payment transaction terminal.

21. The non-transitory computer-readable storage medium of claim 1, wherein instructions to cause the device to proceed with the payment transaction with the contactless payment transaction terminal comprise instructions to cause the device to use a linked payment account to complete the payment transaction.

22. The non-transitory computer-readable storage medium of claim 1, wherein instructions to cause the device to proceed with the payment transaction with the contactless payment transaction terminal comprise instructions to cause the device to use a primary account number for use in the payment transaction to complete the payment transaction, the primary account number stored on the electronic device.

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

in response to detecting presence of the field generated by the contactless payment transaction terminal, display, on the display, an electronic wallet.

24. The non-transitory computer-readable storage medium of claim 1, wherein instructions to cause the device to provide the indication requesting authorization to proceed with the payment transaction comprise instructions to cause the device to display an authorization request screen on the display of the electronic device, and wherein the authorization request screen includes a graphical representation of the credit card associated with the payment account, the graphical representation comprising the background image of the credit card associated with the payment account.

25. A method, comprising:

at an electronic device with a display and a short-range communication radio;

detecting, by the short-range communication radio, presence of a field generated by a contactless payment transaction terminal;

in response to detecting presence of the field generated by the contactless payment transaction terminal, determining whether authorization to proceed with a payment transaction is provided;

in accordance with a determination that authorization to proceed with the payment transaction has been provided;

transmitting, using the short-range communication radio, the payment credentials to the contactless payment transaction terminal; and

displaying, on the display, a visual indication that the payment credentials have been transmitted from the device to the contactless payment transaction terminal;

in accordance with a determination that authorization to proceed with the payment transaction has not been provided, displaying, on the display, a visual indication requesting authorization to proceed with the payment transaction;

after detecting the presence of the field generated by the contactless payment transaction terminal when authorization to proceed with the payment transaction has not been provided;

detecting, by the short-range communication radio, that the device is no longer in range of the field generated by the contactless payment transaction terminal;

in response to detecting that the device is no longer in range of the field, displaying a plurality of payment card affordances associated with different payment accounts; and

receiving authorization to proceed with the payment transaction for a predetermined period of time with one of the payment accounts.

27. The method of claim 25, wherein a user interface of the electronic device is locked when presence of the field generated is detected and the display of the electronic device is off when presence of the field generated is detected, and the method further comprising, in response to detecting the presence of the field generated by the contactless payment transaction terminal, turning the display on.

28. The method of claim 25, further comprising:

providing an indication that a default payment card affordance of the plurality of payment card affordances is selected as a default payment account; and

wherein a default primary account number associated with the default payment card affordance is selected for use in the payment transaction.

29. The method of claim 25, further comprising:

receiving a selection of an alternate payment card affordance of the plurality of payment card affordances, the alternate payment card affordance associated with a respective alternate primary account number; and

in response to receiving the selection of the alternate payment card affordance, selecting the respective alternate primary account number for use in the payment transaction.

30. The method of claim 25, further comprising:

prior to detecting presence of the field generated by the contactless payment transaction terminal, receiving authorization to proceed with a payment transaction for a predetermined period of time.

31. The method of claim 25, further comprising, while the device is within range of the field generated by the contactless payment transaction terminal:

detecting a respective fingerprint on a fingerprint sensor of the electronic device;

in response to detecting the respective fingerprint on the fingerprint sensor, determining whether the fingerprint is consistent with an enrolled fingerprint that is enabled to authorize payment transactions;

in accordance with a determination that a respective fingerprint is consistent with the enrolled fingerprint, authorizing the payment transaction; and

in accordance with a determination that the respective fingerprint is not consistent with the enrolled fingerprint, forgoing authorization of the payment transaction.

32. The method of claim 31, further comprising:

in accordance with a determination that the respective fingerprint is not consistent with the enrolled fingerprint;

playing, at the electronic device, a failure audio alert through a speaker, the failure audio alert indicating that authorization to proceed with the payment transaction has not been provided.

33. The method of claim 25, further comprising:

in accordance with the determination that authorization to proceed with the payment transaction has been provided, determining whether the payment transaction is successfully completed; and

in response to determining the payment transaction is successfully completed, playing, at the electronic device, a success audio alert, the success audio alert indicating that the payment transaction is successfully completed.

34. The method of claim 31, further comprising:

in accordance with a determination that the respective fingerprint is not consistent with the enrolled fingerprint;

causing, at the electronic device, a failure haptic alert indicating that authorization to proceed with the payment transaction has not been provided.

35. The method of claim 34, further comprising:

in accordance with the determination that authorization to proceed with the payment transaction has been provided, determining whether the payment transaction is successfully completed; and

in response to determining the payment transaction is successfully completed, causing, at the electronic device, a success haptic alert indicating that the payment transaction is successfully completed.

36. The method of claim 35, wherein the failure haptic alert and the success haptic alert are different.

37. The method of claim 36, wherein the failure haptic alert is longer in duration and more intense than the success haptic alert.

38. The method of claim 34, further comprising:

in accordance with a determination that the respective fingerprint is not consistent with the enrolled fingerprint;

displaying, on the display, an affordance for receiving authorization to proceed with the payment transaction using a payment passcode.

39. The method of claim 25, further comprising:

determining whether a predetermined number of attempts to receive authorization to proceed with the payment transaction using a fingerprint sensor has been reached; and

in accordance with a determination that the predetermined number of attempts to receive authorization has been reached, requiring authorization using a payment passcode to proceed with the payment transaction.

40. The method of claim 34, further comprising:

in accordance with a determination that the respective fingerprint is not consistent with the enrolled fingerprint, displaying, on the display, a visual prompt instructing a user to place a finger on the fingerprint sensor.

41. The method of claim 25, wherein receiving authorization to proceed with the payment transaction comprises:

receiving a payment passcode at the electronic device;

determining that the payment passcode is consistent with an enrolled passcode that is enabled to authorize payment transactions; and

in response to determining that the payment passcode is consistent with the enrolled passcode, authorizing the payment transaction.

42. The method of claim 25, wherein receiving authorization to proceed with the payment transaction comprises:

detecting a respective fingerprint on a fingerprint sensor of the electronic device; and

in response to detecting the respective fingerprint on the fingerprint sensor, determining that the fingerprint is consistent with an enrolled fingerprint that is enabled to authorize payment transactions, and in accordance with a determination that a respective fingerprint is consistent with the enrolled fingerprint, authorizing the payment transaction.

43. The method of claim 25, wherein providing the indication requesting authorization to proceed with the payment transaction comprises:

detecting, by the short-range communication radio, whether the device continues to be in the presence of the field;

in response to detecting that the device does not continue to be in the presence of the field, displaying, on the display, a visual indicator indicating that authentication has failed; and

in response to detecting that the device continues to be in the presence of the field, causing, at the electronic device, a non-visual alert indicating that authentication has failed.

44. The method of claim 25, further comprising:

in response to receiving authorization to proceed with the payment transaction, displaying, on the display, a graphical indication that authorization to proceed has been provided.

45. The method of claim 25, further comprising:

in response to receiving authorization to proceed with the payment transaction, transmitting the payment credentials from the device to the contactless payment transaction terminal.

46. The method of claim 25, wherein proceeding with the payment transaction with the contactless payment transaction terminal comprises using a linked payment account to complete the payment transaction.

47. The method of claim 25, wherein proceeding with the payment transaction with the contactless payment transaction terminal comprises using a primary account number for use in the payment transaction to complete the payment transaction, the primary account number stored on the electronic device.

48. The method of claim 25, further comprising:

in response to detecting presence of the field generated by the contactless payment transaction terminal, displaying, on the display, an electronic wallet.

49. The method of claim 25, wherein providing the indication requesting authorization to proceed with the payment transaction comprises displaying an authorization request screen on the display of the electronic device, and wherein the authorization request screen includes a graphical representation of the credit card associated with the payment account, the graphical representation comprising the background image of the credit card associated with the payment account.

26. A non-transitory computer-readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by a first device with a display, a short-range communication radio, and a biometric sensor, cause the first device to:

display, on the display of the first device, an authorization user interface, wherein displaying the authorization user interface includes concurrently displaying, on the display of the first device;

a graphical representation of a user credential; and

authentication instructions that include a visual indication of one or more steps that the user can take to provide biometric authentication to the device to authorize transmission of the user credential via the short-range communication radio, wherein;

the user credential is used to authenticate the user to a second device that is different from the first device, and

the second device is configured to communicate with the first device via a short-range communication radio of the second device;

while concurrently displaying, on the display of the first device, the visual representation of the user credential and the authentication instructions, detecting, via the biometric sensor of the first device, a biometric input that includes a biometric identifier information of a user;

responsive to detecting the biometric input when the first device is within range of the short-range communication radio of the second device when the biometric input is detected;

transmitting, via the short-range communication radio of the first device, the user credential from the first device to the second device; and

displaying, on the display of the first device, a visual indication that the user credential has been transmitted from the first device to the second device via the short-range communication radio;

responsive to detecting the biometric input when the first device is not within range of the short-range communication radio of the second device when the biometric input is detected, displaying, on the display of the first device without transmitting the user credential from the first device to the second device via the short-range communication radio of the first device, instructions that include a visual indication to place the first device within range of the short-range communication radio of the second device; and

after detecting the biometric input when the biometric input is detected while the first device is not within range of the short-range communication radio;

detecting that the first device has entered into communication range of the short-range communication radio of the second device while the visual indication that includes instructions to place the first device within range of the short-range communication radio of the second device is displayed on the display of the first device; and

in response to detecting that the first device has entered into communication range of the short-range communication radio of the second device;

transmitting, via the short-range communication radio of the first device, the user credential from the first device to the second device; and

displaying, on the display of the first device, a visual indication that the user credential has been transmitted from the first device to the second device via the short-range communication radio of the first device.

50. An electronic device, comprising:

a short-range communication radio;

a display;

a memory; and

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

detect, by the short-range communication radio, presence of a field generated by a contactless payment transaction terminal;

in response to detecting presence of the field generated by the contactless payment transaction terminal, determine whether authorization to proceed with a payment transaction is provided;

in accordance with a determination that authorization to proceed with the payment transaction has been provided;

transmitting, using the short-range communication radio, the payment credentials to the contactless payment transaction terminal; and

display, on the display, a visual indication that the payment credentials have been transmitted from the device to the contactless payment transaction terminal;

in accordance with a determination that authorization to proceed with the payment transaction has not been provided, display, on the display, a visual indication requesting authorization to proceed with the payment transaction;

after detecting the presence of the field generated by the contactless payment transaction terminal when authorization to proceed with the payment transaction has not been provided;

detect, by the short-range communication radio, that the device is no longer in range of the field generated by the contactless payment transaction terminal;

in response to detecting that the device is no longer in range of the field, display a plurality of payment card affordances associated with different payment accounts; and

receive authorization to transmit the payment transaction for a predetermined period of time with one of the payment accounts.

51. The electronic device of claim 50, wherein a user interface of the electronic device is locked when presence of the field generated is detected and the display of the electronic device is off when presence of the field generated is detected, and the processor further configured to, in response to detecting the presence of the field generated by the contactless payment transaction terminal, turn the display on.

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

provide an indication that a default payment card affordance of the plurality of payment card affordances is selected as a default payment account; and

wherein a default primary account number associated with the default payment card affordance is selected for use in the payment transaction.

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

receive a selection of an alternate payment card affordance of the plurality of payment card affordances, the alternate payment card affordance associated with a respective alternate primary account number; and

in response to receiving the selection of the alternate payment card affordance, select the respective alternate primary account number for use in the payment transaction.

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

prior to detecting presence of the field generated by the contactless payment transaction terminal, receive authorization to proceed with a payment transaction for a predetermined period of time.

55. The electronic device of claim 50, the processor further configured, while the device is within range of the field generated by the contactless payment transaction terminal, to:

detect a respective fingerprint on a fingerprint sensor of the electronic device;

in response to detecting the respective fingerprint on the fingerprint sensor, determine whether the fingerprint is consistent with an enrolled fingerprint that is enabled to authorize payment transactions;

in accordance with a determination that a respective fingerprint is consistent with the enrolled fingerprint, authorize the payment transaction; and

in accordance with a determination that the respective fingerprint is not consistent with the enrolled fingerprint, forgo authorization of the payment transaction.

56. The electronic device of claim 55, the processor further configured to:

in accordance with a determination that the respective fingerprint is not consistent with the enrolled fingerprint;

play, at the electronic device, a failure audio alert through a speaker, the failure audio alert indicating that authorization to proceed with the payment transaction has not been provided.

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

in accordance with the determination that authorization to proceed with the payment transaction has been provided, determine whether the payment transaction is successfully completed; and

in response to determining the payment transaction is successfully completed, play, at the electronic device, a success audio alert, the success audio alert indicating that the payment transaction is successfully completed.

58. The electronic device of claim 55, the processor further configured to:

in accordance with a determination that the respective fingerprint is not consistent with the enrolled fingerprint;

cause, at the electronic device, a failure haptic alert indicating that authorization to proceed with the payment transaction has not been provided.

59. The electronic device of claim 58, the processor further configured to:

in accordance with the determination that authorization to proceed with the payment transaction has been provided, determine whether the payment transaction is successfully completed; and

in response to determining the payment transaction is successfully completed, cause, at the electronic device, a success haptic alert indicating that the payment transaction is successfully completed.

60. The electronic device of claim 55, wherein the failure haptic alert and the success haptic alert are different.

61. The electronic device of claim 60, wherein the failure haptic alert is longer in duration and more intense than the success haptic alert.

62. The electronic device of claim 58, the processor further configured to:

in accordance with a determination that the respective fingerprint is not consistent with the enrolled fingerprint;

display, on the display, an affordance for receiving authorization to proceed with the payment transaction using a payment passcode.

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

determine whether a predetermined number of attempts to receive authorization to proceed with the payment transaction using a fingerprint sensor has been reached; and

in accordance with a determination that the predetermined number of attempts to receive authorization has been reached, require authorization using a payment passcode to proceed with the payment transaction.

64. The electronic device of claim 58, the processor further configured to:

in accordance with a determination that the respective fingerprint is not consistent with the enrolled fingerprint, display, on the display, a visual prompt instructing a user to place a finger on the fingerprint sensor.

65. The electronic device of claim 50, wherein the processor configured to receive authorization to proceed with the payment transaction comprises the processor configured to:

receive a payment passcode at the electronic device;

determine that the payment passcode is consistent with an enrolled passcode that is enabled to authorize payment transactions; and

in response to determining that the payment passcode is consistent with the enrolled passcode, authorize the payment transaction.

66. The electronic device of claim 50, wherein the processor configured to receive authorization to proceed with the payment transaction comprises the processor configured to:

detect a respective fingerprint on a fingerprint sensor of the electronic device; and

in response to detecting the respective fingerprint on the fingerprint sensor, determine that the fingerprint is consistent with an enrolled fingerprint that is enabled to authorize payment transactions, and in accordance with a determination that a respective fingerprint is consistent with the enrolled fingerprint, authorize the payment transaction.

67. The electronic device of claim 50, wherein the processor configured to provide the indication requesting authorization to proceed with the payment transaction comprises the processor configured to:

detect, by the short-range communication radio, whether the device continues to be in the presence of the field;

in response to detecting that the device does not continue to be in the presence of the field, display, on the display, a visual indicator indicating that authentication has failed; and

in response to detecting that the device continues to be in the presence of the field, cause, at the electronic device, a non-visual alert indicating that authentication has failed.

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

in response to receiving authorization to proceed with the payment transaction, display, on the display, a graphical indication that authorization to proceed has been provided.

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

in response to receiving authorization to proceed with the payment transaction, transmit the payment credentials from the device to the contactless payment transaction terminal.

70. The electronic device of claim 50, wherein the processor configured to proceed with the payment transaction with the contactless payment transaction terminal comprises the processor configured to use a linked payment account to complete the payment transaction.

71. The electronic device of claim 50, wherein the processor further configured to proceed with the payment transaction with the contactless payment transaction terminal comprises the processor configured to use a primary account number for use in the payment transaction to complete the payment transaction, the primary account number stored on the electronic device.

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

in response to detecting presence of the field generated by the contactless payment transaction terminal, display, on the display, an electronic wallet.

73. The electronic device of claim 50, wherein the processor configured to provide the indication requesting authorization to proceed with the payment transaction comprises the processor configured to display an authorization request screen on the display of the electronic device, and wherein the authorization request screen includes a graphical representation of the credit card associated with the payment account, the graphical representation comprising the background image of the credit card associated with the payment account.