User interface for loyalty accounts and private label accounts

• US 10,600,068 B2
• Filed: 09/30/2015
• Issued: 03/24/2020
• Est. Priority Date: 06/05/2015
• Status: Active Grant

• Current Assignee: Apple Inc.
• Original Assignee: Apple Inc.
• Inventors: Van Os, Marcel, Pitschel, Donald W., Suzuki, Gregg, Yang, Lawrence Y., Anton, Peter D., Steele, Glen W., Dicker, George R.
• Primary Examiner(s): Ebersman, Bruce I
• Assistant Examiner(s): Gaw, Mark H
• Application Number:
  US14/871,635
• Publication Number:
  US 20160358167A1
• Time in Patent Office: 1,637 Days
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems

Abstract

The present disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using an electronic device with an electronic wallet. Various accounts are linked to the electronic device. In some examples, the electronic device is NFC-enabled. The electronic device may be used to provide loyalty account information and payment account information to a payment terminal, such as an NFC-enabled payment terminal.

Claims

1. A non-transitory computer-readable storage medium comprising one or more programs for execution by one or more processors of an electronic device with one or more wireless communication antennas, the one or more programs including instructions for:

receiving, from a contactless payment terminal via the one or more wireless communication antennas, a request associated with a payment transaction at the electronic device, wherein the electronic device stores payment account information for a plurality of payment accounts specific to a user of the electronic device; and

in response to receiving the request associated with the payment transaction;

determining, automatically, by the device, whether to use a default payment account or a payment account of a particular payment account type based at least in part on whether the request comprises a request for payment using a particular payment account type;

in accordance with a determination that the request does not comprise the request for payment using the particular payment account type, proceeding with the payment transaction using a default payment account; and

in accordance with a determination that the request comprises the request for payment using the particular payment account type;

determining whether a payment account selection condition is met, wherein the payment account selection condition is not met when;

the contactless payment terminal is of a first type, and

the device has not previously received approval from a user to use the payment account of the particular payment account type at contactless payment terminals of the first type; and

in accordance with a determination that the payment account selection condition is not met, forgoing automatically proceeding with the payment transaction using a payment account of the particular payment account type;

after forgoing automatically proceeding with the payment transaction using the payment account of the particular payment account type in response to receiving the request associated with the payment transaction in accordance with the determination that the request comprises the request for payment using the particular payment account type and in accordance with the determination that the payment account selection condition is not met;

receiving a user input; and

in response to receiving the user input, providing an indication that a second payment account different from the payment account of the particular payment account type will be used for proceeding with the payment transaction.

2. The non-transitory computer-readable storage medium of claim 1, further comprising instructions for:

in accordance with the determination that the request comprises the request for payment using the particular payment account type and in accordance with a determination that the payment account selection condition is met, proceeding with the payment transaction using the payment account of the particular payment account type.

3. The non-transitory computer-readable storage medium of claim 1, further comprising instructions for:

in accordance with the determination that the request comprises the request for payment using the particular payment account type and in accordance with the determination that the payment account selection condition is not met, requesting authorization from user to proceed with the payment transaction using the payment account of the particular payment account type.

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

5. The non-transitory computer-readable storage medium of claim 1, wherein the payment account selection condition includes a criterion that is met when the device receives a verified request from the contactless payment terminal.

6. The non-transitory computer-readable storage medium of claim 1, wherein the payment account selection condition includes a criterion that is met when the device has previously proceeded with one or more payment transactions at the contactless payment terminal using the payment account of the particular payment account type.

7. The non-transitory computer-readable storage medium of claim 1, wherein the payment account selection condition includes a criterion that is met when the device has previously proceeded with one or more payment transactions at a location that is associated with the contactless payment terminal using the payment account of the particular payment account type.

8. The non-transitory computer-readable storage medium of claim 1, wherein the payment account selection condition includes a criterion that is met when the device has previously proceeded with one or more payment transactions at the contactless payment terminal using the payment account of the particular payment account type.

9. The non-transitory computer-readable storage medium of claim 1, further comprising instructions for:

prior to receiving the request associated with the payment transaction;

receiving payment account information for the payment account; and

receiving user input indicating whether the payment account should be used at contactless payment terminals of a first type in the absence of input specifying a different payment account before the device receives authorization to proceed with a payment transaction using the device.

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

11. A method, comprising:

at an electronic device with one or more wireless communication antennas;

receiving, from a contactless payment terminal via the one or more wireless communication antennas, a request associated with a payment transaction at the electronic device, wherein the electronic device stores payment account information for a plurality of payment accounts specific to a user of the electronic device; and

in response to receiving the request associated with the payment transaction;

determining, automatically, by the device, whether to use a default payment account or a payment account of a particular payment account type based at least in part on whether the request comprises a request for payment using a particular payment account type;

in accordance with a determination that the request does not comprise the request for payment using the particular payment account type, proceeding with the payment transaction using a default payment account; and

in accordance with a determination that the request comprises the request for payment using the particular payment account type;

determining whether a payment account selection condition is met, wherein the payment account selection condition is not met when;

 

the contactless payment terminal is of a first type, and

 

the device has not previously received approval from a user to use the payment account of the particular payment account type at contactless payment terminals of the first type; and

in accordance with a determination that the payment account selection condition is not met, forgoing automatically proceeding with the payment transaction using a payment account of the particular payment account type;

after forgoing automatically proceeding with the payment transaction using the payment account of the particular payment account type in response to receiving the request associated with the payment transaction in accordance with the determination that the request comprises the request for payment using the particular payment account type and in accordance with the determination that the payment account selection condition is not met;

receiving a user input; and

in response to receiving the user input, providing an indication that a second payment account different from the payment account of the particular payment account type will be used for proceeding with the payment transaction.

12. The method of claim 11, further comprising:

in accordance with the determination that the request comprises the request for payment using the particular payment account type and in accordance with a determination that the payment account selection condition is met, proceeding with the payment transaction using the payment account of the particular payment account type.

13. The method of claim 11, further comprising:

in accordance with the determination that the request comprises the request for payment using the particular payment account type and in accordance with the determination that the payment account selection condition is not met, requesting authorization from user to proceed with the payment transaction using the payment account of the particular payment account type.

14. The method of claim 11, wherein the second payment account is the default payment account.

15. The method of claim 11, wherein the payment account selection condition includes a criterion that is met when the device receives a verified request from the contactless payment terminal.

16. The method of claim 11, wherein the payment account selection condition includes a criterion that is met when the device has previously proceeded with one or more payment transactions at the contactless payment terminal using the payment account of the particular payment account type.

17. The method of claim 11, wherein the payment account selection condition includes a criterion that is met when the device has previously proceeded with one or more payment transactions at a location that is associated with the contactless payment terminal using the payment account of the particular payment account type.

18. The method of claim 11, wherein the payment account selection condition includes a criterion that is met when the device has previously proceeded with one or more payment transactions at the contactless payment terminal using the payment account of the particular payment account type.

19. The method of claim 11, further comprising:

prior to receiving the request associated with the payment transaction;

receiving payment account information for the payment account; and

receiving user input indicating whether the payment account should be used at contactless payment terminals of a first type in the absence of input specifying a different payment account before the device receives authorization to proceed with a payment transaction using the device.

20. The method of claim 11, wherein an electronic wallet of the electronic device includes one or more different payment accounts associated with a user of the electronic device, the one or more different payment accounts being different from the payment account.

21. An electronic device comprising:

one or more wireless communication antennas;

one or more processors;

memory storing one or more programs, the one or more programs including instructions which, when executed by the one or more processors, cause the electronic device to;

receive, from a contactless payment terminal via the one or more wireless communication antennas, a request associated with a payment transaction at the electronic device, wherein the electronic device stores payment account information for a plurality of payment accounts specific to a user of the electronic device; and

in response to receiving the request associated with the payment transaction;

determine, automatically, by the device, whether to use a default payment account or a payment account of a particular payment account type based at least in part on whether the request comprises a request for payment using a particular payment account type;

in accordance with a determination that the request does not comprise the request for payment using the particular payment account type, proceed with the payment transaction using a default payment account; and

in accordance with a determination that the request comprises the request for payment using the particular payment account type;

determine whether a payment account selection condition is met, wherein the payment account selection condition is not met when;

 

the contactless payment terminal is of a first type, and

 

the device has not previously received approval from a user to use the payment account of the particular payment account type at contactless payment terminals of the first type; and

in accordance with a determination that the payment account selection condition is not met, forgo automatically proceeding with the payment transaction using a payment account of the particular payment account type;

after forgoing automatically proceeding with the payment transaction using the payment account of the particular payment account type in response to receiving the request associated with the payment transaction in accordance with the determination that the request comprises the request for payment using the particular payment account type and in accordance with the determination that the payment account selection condition is not met;

receive a user input and

in response to receiving the user input, provide an indication that a second payment account different from the payment account of the particular payment account type will be used for proceeding with the payment transaction.

22. The electronic device of claim 21, the one or more programs further including instructions to:

in accordance with the determination that the request comprises the request for payment using the particular payment account type and in accordance with a determination that the payment account selection condition is met, proceed with the payment transaction using the payment account of the particular payment account type.

23. The electronic device of claim 21, the one or more programs further including instructions to:

in accordance with the determination that the request comprises the request for payment using the particular payment account type and in accordance with the determination that the payment account selection condition is not met, request authorization from user to proceed with the payment transaction using the payment account of the particular payment account type.

24. The electronic device of claim 21, wherein the second payment account is the default payment account.

25. The electronic device of claim 21, wherein the payment account selection condition includes a criterion that is met when the device receives a verified request from the contactless payment terminal.

26. The electronic device of claim 21, wherein the payment account selection condition includes a criterion that is met when the device has previously proceeded with one or more payment transactions at the contactless payment terminal using the payment account of the particular payment account type.

27. The electronic device of claim 21, wherein the payment account selection condition includes a criterion that is met when the device has previously proceeded with one or more payment transactions at a location that is associated with the contactless payment terminal using the payment account of the particular payment account type.

28. The electronic device of claim 21, wherein the payment account selection condition includes a criterion that is met when the device has previously proceeded with one or more payment transactions at the contactless payment terminal using the payment account of the particular payment account type.

29. The electronic device of claim 21, the one or more programs further including instructions to:

prior to receiving the request associated with the payment transaction;

receive payment account information for the payment account; and

receive user input indicating whether the payment account should be used at contactless payment terminals of a first type in the absence of input specifying a different payment account before the device receives authorization to proceed with a payment transaction using the device.

30. The electronic device of claim 21, wherein an electronic wallet of the electronic device includes one or more different payment accounts associated with a user of the electronic device, the one or more different payment accounts being different from the payment account.