User interface for payments

• US 10,282,727 B2
• Filed: 10/14/2016
• Issued: 05/07/2019
• 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): Marshall, Christle I
• Application Number:
  US15/294,439
• Publication Number:
  US 20170032375A1
• Time in Patent Office: 935 Days
• Field of Search: None
• 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 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 graphical representation of the user credential and the authentication instructions, detect, 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;

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

display, 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, display, 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;

detect 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

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

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

display, 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.

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

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

receive a selection of a graphical representation of an alternate user credential of a plurality of user credentials; and

responsive to receiving the selection of the graphical representation of the alternate user credential, designate the alternate user credential as the user credential to be transmitted from the first device to the second device.

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

while concurrently displaying, on the display, the graphical representation of the user credential and the authentication instructions, in accordance with a determination that the biometric input that includes the biometric identifier information of the user has not been detected for a predetermined period of time;

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

display, on the display of the first device, a visual indication that the user credential has not been transmitted from the first device to the second device via the short-range communication radio.

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

determine whether the user credential has been successfully transmitted from the first device to the second device; and

responsive to determining that the user credential has been successfully transmitted from the first device to the second device, play, at the first device, a success audio alert, the success audio alert indicating that the user credential has been successfully transmitted.

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

responsive to detecting, via the biometric sensor of the first device, the biometric input that includes the biometric identifier information of the user;

determine whether the detected biometric identifier information is consistent with an enrolled biometric identifier information that is enabled to authorize transmission of the user credential from the first device to the second device;

in accordance with a determination that the detected biometric identifier information of the user is consistent with the enrolled biometric identifier information, authorize the transmission of the user credential from the first device to the second device; and

in accordance with a determination that the detected biometric identifier information of the user is not consistent with the enrolled biometric identifier information, forgo authorizing transmission of the user credential from the first device to the second device.

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

in accordance with the determination that the detected biometric identifier information of the user is not consistent with the enrolled biometric identifier information, play, at the first device, a failure audio alert through a speaker, the failure audio alert indicating that authorization to transmit the user credential has not been provided.

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

in accordance with the determination that the detected biometric identifier information of the user is not consistent with the enrolled biometric identifier information, cause, at the first device, a failure haptic alert indicating that authorization to transmit the user credential has not been provided.

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

determine whether the user credential has been successfully transmitted from the first device to the second device; and

responsive to determining whether the user credential has been successfully transmitted from the first device to the second device, cause, at the first device, a success haptic alert indicating that the user credential has been successfully transmitted.

9. The non-transitory computer-readable storage medium of claim 8, wherein the failure haptic alert and the success haptic alert are different.

10. The non-transitory computer-readable storage medium of claim 8, wherein the failure haptic alert is longer in duration and more intense than the success haptic alert.

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

in accordance with the determination that the detected biometric identifier information of the user is not consistent with the enrolled biometric identifier information, display, on the display, a visual prompt instructing the user to place a finger on the biometric sensor.

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

in accordance with the determination that the detected biometric identifier information of the user is not consistent with the enrolled biometric identifier information, display, on the display, an affordance for receiving authorization to transmit the user credential from the first device to the second device using a passcode.

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

determine whether a predetermined number of attempts to receive authorization to transmit the user credential from the first device to the second device using the biometric 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 transmission of the user credential.

14. The non-transitory computer-readable storage medium of claim 13, wherein instructions to cause the first device to transmit the user credential from the first device to the second device further comprise instructions to cause the first device to:

receive a passcode at the first device;

determine that the received passcode is consistent with an enrolled passcode that is enabled to authorize transmission of the user credential; and

responsive to determining that the received passcode is consistent with the enrolled passcode, authorize the transmission of the user credential.

15. The non-transitory computer-readable storage medium of claim 1, wherein instructions to cause the first device to transmit the user credential from the first device to the second device comprise instructions to cause the first device to transmit a primary account number, the primary account number stored on the first device.

16. The non-transitory computer-readable storage medium of claim 1, wherein an authorization user interface is displayed on the display of the first device responsive to detecting that the first device is within range of the short-range communication radio of the second device.

17. The non-transitory computer-readable storage medium of claim 1, wherein the graphical representation of the user credential is a graphical representation of a credit card associated with the user credential, the graphical representation of the credit card including a background image of the credit card associated with the user credential.

18. A method, comprising:

at a first device with a display, a short-range communication radio, and a biometric sensor;

displaying, 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 graphical 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

responsive 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.

19. The method of claim 18, further comprising:

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

receiving a selection of a graphical representation of an alternate user credential of a plurality of user credentials; and

responsive to receiving the selection of the graphical representation of the alternate user credential, designating the alternate user credential as the user credential to be transmitted from the first device to the second device.

20. The method of claim 18, further comprising:

while concurrently displaying, on the display, the graphical representation of the user credential and the authentication instructions, in accordance with a determination that the biometric input that includes the biometric identifier information of the user has not been detected for a predetermined period of time;

forgoing 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 not been transmitted from the first device to the second device via the short-range communication radio.

21. The method of claim 18, further comprising:

determining whether the user credential has been successfully transmitted from the first device to the second device; and

responsive to determining that the user credential has been successfully transmitted from the first device to the second device, playing, at the first device, a success audio alert, the success audio alert indicating that the user credential has been successfully transmitted.

22. The method of claim 18, further comprising:

responsive to detecting, via the biometric sensor of the first device, the biometric input that includes the biometric identifier information of the user;

determining whether the detected biometric identifier information is consistent with an enrolled biometric identifier information that is enabled to authorize transmission of the user credential from the first device to the second device;

in accordance with a determination that the detected biometric identifier information of the user is consistent with the enrolled biometric identifier information, authorizing the transmission of the user credential from the first device to the second device; and

in accordance with a determination that the detected biometric identifier information of the user is not consistent with the enrolled biometric identifier information, forgoing authorizing transmission of the user credential from the first device to the second device.

23. The method of claim 22, further comprising:

in accordance with the determination that the detected biometric identifier information of the user is not consistent with the enrolled biometric identifier information, playing, at the first device, a failure audio alert through a speaker, the failure audio alert indicating that authorization to transmit the user credential has not been provided.

24. The method of claim 22, further comprising:

in accordance with the determination that the detected biometric identifier information of the user is not consistent with the enrolled biometric identifier information, causing, at the first device, a failure haptic alert indicating that authorization to transmit the user credential has not been provided.

25. The method of claim 24, further comprising:

determining whether the user credential has been successfully transmitted from the first device to the second device; and

responsive to determining whether the user credential has been successfully transmitted from the first device to the second device, causing, at the first device, a success haptic alert indicating that the user credential has been successfully transmitted.

26. The method of claim 25, wherein the failure haptic alert and the success haptic alert are different.

27. The method of claim 25, wherein the failure haptic alert is longer in duration and more intense than the success haptic alert.

28. The method of claim 24, further comprising:

in accordance with the determination that the detected biometric identifier information of the user is not consistent with the enrolled biometric identifier information, displaying, on the display, a visual prompt instructing the user to place a finger on the biometric sensor.

29. The method of claim 22, further comprising:

in accordance with the determination that the detected biometric identifier information of the user is not consistent with the enrolled biometric identifier information, displaying, on the display, an affordance for receiving authorization to transmit the user credential from the first device to the second device using a passcode.

30. The method of claim 18, further comprising:

determining whether a predetermined number of attempts to receive authorization to transmit the user credential from the first device to the second device using the biometric 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 transmission of the user credential.

31. The method of claim 30, wherein transmitting the user credential from the first device to the second device further comprises:

receiving a passcode at the first device;

determining that the received passcode is consistent with an enrolled passcode that is enabled to authorize transmission of the user credential; and

responsive to determining that the received passcode is consistent with the enrolled passcode, authorizing the transmission of the user credential.

32. The method of claim 18, wherein transmitting the user credential from the first device to the second device comprises transmitting a primary account number, the primary account number stored on the first device.

33. The method of claim 18, wherein an authorization user interface is displayed on the display of the first device responsive to detecting that the first device is within range of the short- range communication radio of the second device.

34. The method of claim 18, wherein the graphical representation of the user credential is a graphical representation of a credit card associated with the user credential, the graphical representation of the credit card including a background image of the credit card associated with the user credential.

35. A first device, comprising:

a display;

a short-range communication radio;

a biometric sensor;

one or more processors; and

a memory storing one or more programs configured to be executed by the one or more processors, the one or more programs including instructions for;

displaying, 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 graphical 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

responsive 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.

36. The first device of claim 35, wherein the one or more programs further include instructions for:

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

receiving a selection of a graphical representation of an alternate user credential of a plurality of user credentials; and

responsive to receiving the selection of the graphical representation of the alternate user credential, designating the alternate user credential as the user credential to be transmitted from the first device to the second device.

37. The first device of claim 35, wherein the one or more programs further include instructions for:

while concurrently displaying, on the display, the graphical representation of the user credential and the authentication instructions, in accordance with a determination that the biometric input that includes the biometric identifier information of the user has not been detected for a predetermined period of time;

forgoing 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 not been transmitted from the first device to the second device via the short-range communication radio.

38. The first device of claim 35, wherein the one or more programs further include instructions for:

determining whether the user credential has been successfully transmitted from the first device to the second device; and

responsive to determining that the user credential has been successfully transmitted from the first device to the second device, playing, at the first device, a success audio alert, the success audio alert indicating that the user credential has been successfully transmitted.

39. The first device of claim 35, wherein the one or more programs further include instructions for:

responsive to detecting, via the biometric sensor of the first device, the biometric input that includes the biometric identifier information of the user;

determining whether the detected biometric identifier information is consistent with an enrolled biometric identifier information that is enabled to authorize transmission of the user credential from the first device to the second device;

in accordance with a determination that the detected biometric identifier information of the user is consistent with the enrolled biometric identifier information, authorizing the transmission of the user credential from the first device to the second device; and

in accordance with a determination that the detected biometric identifier information of the user is not consistent with the enrolled biometric identifier information, forgoing authorizing transmission of the user credential from the first device to the second device.

40. The first device of claim 39, wherein the one or more programs further include instructions for:

in accordance with the determination that the detected biometric identifier information of the user is not consistent with the enrolled biometric identifier information, playing, at the first device, a failure audio alert through a speaker, the failure audio alert indicating that authorization to transmit the user credential has not been provided.

41. The first device of claim 39, wherein the one or more programs further include instructions for:

in accordance with the determination that the detected biometric identifier information of the user is not consistent with the enrolled biometric identifier information, causing, at the first device, a failure haptic alert indicating that authorization to transmit the user credential has not been provided.

42. The first device of claim 41, wherein the one or more programs further include instructions for:

determining whether the user credential has been successfully transmitted from the first device to the second device; and

responsive to determining whether the user credential has been successfully transmitted from the first device to the second device, causing, at the first device, a success haptic alert indicating that the user credential has been successfully transmitted.

43. The first device of claim 42, wherein the failure haptic alert and the success haptic alert are different.

44. The first device of claim 42, wherein the failure haptic alert is longer in duration and more intense than the success haptic alert.

45. The first device of claim 41, wherein the one or more programs further include instructions for:

in accordance with the determination that the detected biometric identifier information of the user is not consistent with the enrolled biometric identifier information, displaying, on the display, a visual prompt instructing the user to place a finger on the biometric sensor.

46. The first device of claim 39, wherein the one or more programs further include instructions for:

in accordance with the determination that the detected biometric identifier information of the user is not consistent with the enrolled biometric identifier information, displaying, on the display, an affordance for receiving authorization to transmit the user credential from the first device to the second device using a passcode.

47. The first device of claim 35, wherein the one or more programs further include instructions for:

determining whether a predetermined number of attempts to receive authorization to transmit the user credential from the first device to the second device using the biometric 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 transmission of the user credential.

48. The first device of claim 47, wherein transmitting the user credential from the first device to the second device further comprises:

receiving a passcode at the first device;

determining that the received passcode is consistent with an enrolled passcode that is enabled to authorize transmission of the user credential; and

responsive to determining that the received passcode is consistent with the enrolled passcode, authorizing the transmission of the user credential.

49. The first device of claim 35, wherein transmitting the user credential from the first device to the second device comprises transmitting a primary account number, the primary account number stored on the first device.

50. The first device of claim 35, wherein an authorization user interface is displayed on the display of the first device responsive to detecting that the first device is within range of the short-range communication radio of the second device.

51. The first device of claim 35, wherein the graphical representation of the user credential is a graphical representation of a credit card associated with the user credential, the graphical representation of the credit card including a background image of the credit card associated with the user credential.