User interface for payments

• US 10,482,461 B2
• Filed: 09/30/2014
• Issued: 11/19/2019
• Est. Priority Date: 05/29/2014
• Status: Active Grant

• Current Assignee: Apple Inc.
• Original Assignee: Apple Inc.
• Inventors: Van Os, Marcel, Caro, Pablo F., Dicker, George R., Diederich, Anton K.
• Primary Examiner(s): Oyebisi, Ojo O
• Application Number:
  US14/503,296
• Publication Number:
  US 20150348002A1
• Time in Patent Office: 1,876 Days
• Field of Search: 705 35, 705 44
• 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 fingerprint sensor, cause the device to:

display, on the display, a user interface for a first application, wherein the user interface for the first application includes a payment affordance associated with a payment transaction;

detect selection of the payment affordance;

in response to detecting selection of the payment affordance;

transfer first transaction information about the payment transaction from the first application to a second application; and

display, on the display, a user interface for the second application, wherein displaying the user interface for the second application includes concurrently displaying the first transaction information received from the first application and second transaction information provided by the second application, wherein the second transaction information is not available to the first application, and wherein the user interface for the second application partially covers the user interface for the first application, leaving at least a portion of the user interface for the first application visible on the display;

detect a fingerprint using 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 the fingerprint is consistent with the enrolled fingerprint, proceed with the payment transaction;

display, on the display, a user interface for a third application, wherein the user interface for the third application includes a second payment affordance associated with a second payment transaction;

detect selection of the second payment affordance; and

in response to detecting selection of the second payment affordance;

transfer third transaction information about the second payment transaction from the third application to the second application; and

display, on the display, a second user interface for the second application, wherein displaying the second user interface for the second application includes concurrently displaying the third transaction information received from the third application and fourth transaction information provided by the second application, wherein the second transaction information is not available to the third application.

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

receive a selection of a first purchase detail affordance displayed on the user interface for the second application, the first purchase detail affordance associated with a first purchase detail of the payment transaction;

in response to receiving selection of the first purchase detail affordance, display one or more affordances for selecting alternate values for the first purchase detail of the payment transaction;

receive selection of an alternate value for the first purchase detail of the payment transaction; and

in response to receiving selection of the alternate value, update the second transaction information to include the alternate value as the first purchase detail.

3. The non-transitory computer-readable storage medium of claim 2, wherein the first purchase detail of the payment transaction is part of the first transaction information from the first application.

4. The non-transitory computer-readable storage medium of claim 2, wherein the first purchase detail is part of the second transaction information provided by the second application.

5. The non-transitory computer-readable storage medium of claim 2, wherein the first purchase detail is a shipping address.

6. The non-transitory computer-readable storage medium of claim 2, wherein the first purchase detail is a payment account.

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

in accordance with a determination that the fingerprint is consistent with the enrolled fingerprint, transfer the second transaction information to the first application.

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

in accordance with a determination that the fingerprint is consistent with the enrolled fingerprint, transfer the first transaction information and the second transaction information to the first application.

9. The non-transitory computer-readable storage medium of claim 1, wherein the first application is a third-party application installed on the electronic device.

10. The non-transitory computer-readable storage medium of claim 1, wherein the first application includes a website accessed through a web browser installed on the electronic device.

11. The non-transitory computer-readable storage medium of claim 1, wherein the second application is the operating system of the electronic device, the second application having access to an electronic wallet including the second transaction information.

12. The non-transitory computer-readable storage medium of claim 1, wherein the second application is a first-party application provided by a provider of the operating system of the electronic device, the second application having access to an electronic wallet including the second transaction information.

13. The non-transitory computer-readable storage medium of claim 1, wherein the first transaction information includes an amount and a default shipping method.

14. The non-transitory computer-readable storage medium of claim 1, wherein the second transaction information includes a primary account number associated with a payment account.

15. The non-transitory computer-readable storage medium of claim 1, wherein the second transaction information includes a ship-to address accessed from user contact information, the user contact information stored on the electronic device.

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

determine whether the fingerprint is consistent with an enrolled fingerprint that is enabled to authorize payment transactions prior to transferring the second transaction information to the first application.

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

transfer zip code information from the second application to the first application;

wherein the first transaction information includes an initial shipping cost based on the zip code information; and

receive updated first transaction information, wherein the updated first transaction information includes a shipping cost based on the second transaction information.

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

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

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

in accordance with a determination that the 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.

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

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

determine whether a predetermined number of attempts to receive authorization to proceed with the payment transaction using the 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.

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

in accordance with a determination that the 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.

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

in response to transferring the first transaction information and the second transaction information from the second application to the first application, complete the payment transaction using the first application.

23. The non-transitory computer-readable storage medium of claim 1, wherein a financial institution associated with processing the payment transaction treats the payment transaction as a card-present transaction.

24. The non-transitory computer-readable storage medium of claim 1, wherein displaying the user interface for the second application partially covers the user interface for the first application, leaving at least part of the user interface for the first application visible.

25. The non-transitory computer-readable storage medium of claim 1, wherein instructions to cause the device to display the user interface for the second application comprises instructions to cause the device to vertically slide the user interface for the second application onto the display from the bottom of the display to partially cover the user interface for the first application and leaving at least part of the user interface for the first application visible.

76. The non-transitory computer-readable storage medium of claim 1, wherein displaying the user interface for the second application comprises vertically sliding the user interface for the second application onto the display from the bottom of the display.

77. The non-transitory computer-readable storage medium of claim 1, wherein displaying the user interface for the second application partially covers the user interface for the second application, leaving at least part of the user interface for the first application visible.

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

display, on the display, the user interface for the second application by sliding the user interface for the second application onto the display from an edge of the display.

26. A method, comprising:

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

displaying, on the display, a user interface for a first application, wherein the user interface for the first application includes a payment affordance associated with a payment transaction;

detecting selection of the payment affordance;

in response to detecting selection of the payment affordance;

transferring first transaction information about the payment transaction from the first application to a second application; and

displaying, on the display, a user interface for the second application, wherein displaying the user interface for the second application includes concurrently displaying the first transaction information received from the first application and second transaction information provided by the second application, wherein the second transaction information is not available to the first application, and wherein the user interface for the second application partially covers the user interface for the first application, leaving at least a portion of the user interface for the first application visible on the display;

detecting a fingerprint using 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 the fingerprint is consistent with the enrolled fingerprint, proceeding with the payment transaction;

displaying, on the display, a user interface for a third application, wherein the user interface for the third application includes a second payment affordance associated with a second payment transaction;

detecting selection of the second payment affordance; and

in response to detecting selection of the second payment affordance;

transferring third transaction information about the second payment transaction from the third application to the second application; and

displaying, on the display, a second user interface for the second application, wherein displaying the second user interface for the second application includes concurrently displaying the third transaction information received from the third application and fourth transaction information provided by the second application, wherein the second transaction information is not available to the third application.

28. The method of claim 26, further comprising:

receiving a selection of a first purchase detail affordance displayed on the user interface for the second application, the first purchase detail affordance associated with a first purchase detail of the payment transaction;

in response to receiving selection of the first purchase detail affordance, displaying one or more affordances for selecting alternate values for the first purchase detail of the payment transaction;

receiving selection of an alternate value for the first purchase detail of the payment transaction; and

in response to receiving selection of the alternate value, updating the second transaction information to include the alternate value as the first purchase detail.

29. The method of claim 28, wherein the first purchase detail of the payment transaction is part of the first transaction information from the first application.

30. The method of claim 28, wherein the first purchase detail is part of the second transaction information provided by the second application.

31. The method of claim 28, wherein the first purchase detail is a shipping address.

32. The method of claim 28, wherein the first purchase detail is a payment account.

33. The method of claim 26, further comprising:

in accordance with a determination that the fingerprint is consistent with the enrolled fingerprint, transferring the second transaction information to the first application.

34. The method of claim 26, further comprising:

in accordance with a determination that the fingerprint is consistent with the enrolled fingerprint, transferring the first transaction information and the second transaction information to the first application.

35. The method of claim 26, wherein the first application is a third-party application installed on the electronic device.

36. The method of claim 26, wherein the first application includes a website accessed through a web browser installed on the electronic device.

37. The method of claim 26, wherein the second application is the operating system of the electronic device, the second application having access to an electronic wallet including the second transaction information.

38. The method of claim 26, wherein the second application is a first-party application provided by a provider of the operating system of the electronic device, the second application having access to an electronic wallet including the second transaction information.

39. The method of claim 26, wherein the first transaction information includes an amount and a default shipping method.

40. The method of claim 26, wherein the second transaction information includes a primary account number associated with a payment account.

41. The method of claim 26, wherein the second transaction information includes a ship-to address accessed from user contact information, the user contact information stored on the electronic device.

42. The method of claim 26, further comprising:

determining whether the fingerprint is consistent with an enrolled fingerprint that is enabled to authorize payment transactions prior to transferring the second transaction information to the first application.

43. The method of claim 26, further comprising:

transferring zip code information from the second application to the first application;

wherein the first transaction information includes an initial shipping cost based on the zip code information; and

receiving updated first transaction information, wherein the updated first transaction information includes a shipping cost based on the second transaction information.

44. The method of claim 26, further comprising:

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

45. The method of claim 44, further comprising:

in accordance with a determination that the 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.

46. The method of claim 44, further comprising:

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

determining whether a predetermined number of attempts to receive authorization to proceed with the payment transaction using the 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.

47. The method of claim 44, further comprising:

in accordance with a determination that the 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.

48. The method of claim 34, further comprising:

in response to transferring the first transaction information and the second transaction information from the second application to the first application, complete the payment transaction using the first application.

49. The method of claim 26, wherein a financial institution associated with processing the payment transaction treats the payment transaction as a card-present transaction.

50. The method of claim 26, wherein displaying the user interface for the second application partially covers the user interface for the first application, leaving at least part of the user interface for the first application visible.

51. The method of claim 26, wherein displaying the user interface for the second application comprises vertically sliding the user interface for the second application onto the display from the bottom of the display to partially cover the user interface for the first application and leaving at least part of the user interface for the first application visible.

78. The method of claim 26, wherein displaying the user interface for the second application comprises vertically sliding the user interface for the second application onto the display from the bottom of the display.

79. The method of claim 26, wherein displaying the user interface for the second application partially covers the user interface for the second application, leaving at least part of the user interface for the first application visible.

83. The method of claim 26, further comprising:

displaying, on the display, the user interface for the second application by sliding the user interface for the second application onto the display from an edge of the display.

27. An electronic device, comprising:

a display;

a fingerprint sensor;

a memory; and

one or more processors coupled to the display, the fingerprint sensor, and the memory, the one or more processors configured to;

display, on the display, a user interface for a first application, wherein the user interface for the first application includes a payment affordance associated with a payment transaction;

detect selection of the payment affordance;

in response to detecting selection of the payment affordance;

transfer first transaction information about the payment transaction from the first application to a second application; and

display, on the display, a user interface for the second application, wherein displaying the user interface for the second application includes concurrently displaying the first transaction information received from the first application and second transaction information provided by the second application, wherein the second transaction information is not available to the first application, and wherein the user interface for the second application partially covers the user interface for the first application, leaving at least a portion of the user interface for the first application visible on the display;

detect a fingerprint using 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 the fingerprint is consistent with the enrolled fingerprint, proceed with the payment transaction;

display, on the display, a user interface for a third application, wherein the user interface for the third application includes a second payment affordance associated with a second payment transaction;

detect selection of the second payment affordance; and

in response to detecting selection of the second payment affordance;

transfer third transaction information about the second payment transaction from the third application to the second application; and

display, on the display, a second user interface for the second application, wherein displaying the second user interface for the second application includes concurrently displaying the third transaction information received from the third application and fourth transaction information provided by the second application, wherein the second transaction information is not available to the third application.

52. The device of claim 27, the one or more processors further configured to:

receive a selection of a first purchase detail affordance displayed on the user interface for the second application, the first purchase detail affordance associated with a first purchase detail of the payment transaction;

in response to receiving selection of the first purchase detail affordance, display one or more affordances for selecting alternate values for the first purchase detail of the payment transaction;

receive selection of an alternate value for the first purchase detail of the payment transaction; and

in response to receiving selection of the alternate value, update the second transaction information to include the alternate value as the first purchase detail.

53. The device of claim 52, wherein the first purchase detail of the payment transaction is part of the first transaction information from the first application.

54. The device of claim 52, wherein the first purchase detail is part of the second transaction information provided by the second application.

55. The device of claim 52, wherein the first purchase detail is a shipping address.

56. The device of claim 52, wherein the first purchase detail is a payment account.

57. The device of claim 27, the one or more processors further configured to:

in accordance with a determination that the fingerprint is consistent with the enrolled fingerprint, transfer the second transaction information to the first application.

58. The device of claim 27, the one or more processors further configured to:

in accordance with a determination that the fingerprint is consistent with the enrolled fingerprint, transfer the first transaction information and the second transaction information to the first application.

59. The device of claim 27, wherein the first application is a third-party application installed on the electronic device.

60. The device of claim 27, wherein the first application includes a website accessed through a web browser installed on the electronic device.

61. The device of claim 27, wherein the second application is the operating system of the electronic device, the second application having access to an electronic wallet including the second transaction information.

62. The device of claim 27, wherein the second application is a first-party application provided by a provider of the operating system of the electronic device, the second application having access to an electronic wallet including the second transaction information.

63. The device of claim 27, wherein the first transaction information includes an amount and a default shipping method.

64. The device of claim 27, wherein the second transaction information includes a primary account number associated with a payment account.

65. The device of claim 27, wherein the second transaction information includes a ship-to address accessed from user contact information, the user contact information stored on the electronic device.

66. The device of claim 27, the one or more processors further configured to:

determine whether the fingerprint is consistent with an enrolled fingerprint that is enabled to authorize payment transactions prior to transferring the second transaction information to the first application.

67. The device of claim 27, the one or more processors further configured to:

transfer zip code information from the second application to the first application;

wherein the first transaction information includes an initial shipping cost based on the zip code information; and

receive updated first transaction information, wherein the updated first transaction information includes a shipping cost based on the second transaction information.

68. The device of claim 27, the one or more processors further configured to:

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

69. The device of claim 68, the one or more processors further configured to:

in accordance with a determination that the 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.

70. The device of claim 68, the one or more processors further configured to:

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

determine whether a predetermined number of attempts to receive authorization to proceed with the payment transaction using the 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.

71. The device of claim 68, the one or more processors further configured to:

in accordance with a determination that the 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.

72. The device of claim 58, the one or more processors further configured to:

in response to transferring the first transaction information and the second transaction information from the second application to the first application, complete the payment transaction using the first application.

73. The device of claim 27, wherein a financial institution associated with processing the payment transaction treats the payment transaction as a card-present transaction.

74. The device of claim 27, wherein displaying the user interface for the second application partially covers the user interface for the first application, leaving at least part of the user interface for the first application visible.

75. The device claim 27, wherein to display the user interface for the second application, the one or more processors are configured to:

vertically slide the user interface for the second application onto the display from the bottom of the display to partially cover the user interface for the first application and leaving at least part of the user interface for the first application visible.

80. The device claim 27, wherein displaying the user interface for the second application comprises vertically sliding the user interface for the second application onto the display from the bottom of the display.

81. The device of claim 27, wherein displaying the user interface for the second application partially covers the user interface for the first application, leaving at least part of the user interface for the first application visible.

84. The device of claim 27, the one or more processors further configured to:

display, on the display, the user interface for the second application by sliding the user interface for the second application onto the display from an edge of the display.