User interface for payments

• US 10,902,424 B2
• Filed: 05/30/2018
• Issued: 01/26/2021
• 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 S
• Application Number:
  US15/992,722
• Publication Number:
  US 20180276673A1
• Time in Patent Office: 972 Days
• Field of Search: 705 38, 705 35
• 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. An electronic device, comprising:

a display;

a short-range communication radio;

one or more processors; and

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

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, 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;

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;

while the device is no longer in range of the field, receiving authorization to proceed with the payment transaction;

subsequent to receiving the authorization to proceed with the payment transaction, detecting, by the short-range communication radio, that the device is in range of the field generated by the contactless payment transaction terminal;

in response to detecting that the device is in range of the field generated by the contactless payment transaction terminal, transmitting, using the short-range communication radio, the payment credentials to the contactless payment transaction terminal; and

in response to transmitting the payment credentials to the contactless payment transaction terminal, displaying, on the display, the visual indication that the payment credentials have been transmitted from the device to the contactless payment transaction terminal.

2. The electronic device 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 wherein the one or more programs further include instructions for:

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

3. The electronic device of claim 1, wherein the one or more programs further include instructions for:

providing an indication that a default payment card affordance of the plurality of payment card affordances is selected as a default payment account, wherein a default primary account number associated with the default payment card affordance is selected for use in the payment transaction.

4. The electronic device of claim 1, wherein the one or more programs further include instructions for:

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.

5. The electronic device of claim 1, wherein the one or more programs further include instructions for:

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.

6. The electronic device of claim 1, wherein receiving authorization to proceed with the payment transaction comprises:

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; and

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

7. The electronic device of claim 1, wherein receiving the 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 accordance with a determination that the payment passcode is consistent with the enrolled passcode, authorizing the payment transaction.

8. The electronic device of claim 1, wherein the one or more programs further include instructions for:

in response to transmitting the payment credentials to the contactless payment transaction terminal;

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

9. The electronic device of claim 1, wherein the one or more programs further include instructions for:

in response to transmitting the payment credentials to the contactless payment transaction terminal;

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

10. The electronic device of claim 1, wherein the one or more programs further include instructions for:

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.

11. The electronic device of claim 1, wherein the one or more programs further include instructions for:

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.

12. The electronic device of claim 1, wherein transmitting the payment credentials to the contactless payment transaction terminal comprises transmitting the payment credentials of a linked payment account to the contactless payment transaction terminal.

13. The electronic device of claim 1, wherein transmitting the payment credentials to the contactless payment transaction terminal comprises transmitting a primary account number stored on the electronic device to the contactless payment transaction terminal for use in the payment transaction.

14. The electronic device of claim 1, wherein the one or more programs further include instructions for:

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

15. The electronic device of claim 1, wherein displaying the visual indication requesting authorization to proceed with the payment transaction comprises displaying an authorization request screen, 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.

16. The electronic device of claim 1, wherein the visual indication requesting authorization to proceed with the payment transaction includes instructions to provide biometric authentication.

17. The electronic device of claim 16, wherein the one or more programs further include instructions for:

while displaying the visual indication requesting authorization to proceed with the payment transaction;

concurrently displaying, on the display, an affordance for providing passcode authentication to proceed with the payment transaction.

18. The electronic device of claim 1, wherein the one or more programs further include instructions for:

in response to receiving the authorization to proceed with the payment transaction and while the electronic device is no longer in range of the contactless payment transaction terminal;

displaying, on the display, a visual indication requesting that the electronic device be placed within range of the field generated by the contactless payment transaction terminal.

19. The electronic device of claim 18, wherein the visual indication requesting that the electronic device be placed within range of the field generated by the contactless payment transaction terminal comprises an animation of movement of the electronic device.

20. The electronic device of claim 1, wherein the one or more programs further include instructions for:

in response to receiving the authorization to proceed with the payment transaction and while the electronic device is no longer in range of the contactless payment transaction terminal;

displaying, on the display, a visual indication requesting that the electronic device be placed within range of the field generated by the contactless payment transaction terminal, wherein the visual indication requesting that the electronic device be placed within range of the field generated by the contactless payment transaction terminal replaces the visual indication requesting authorization to proceed with the payment transaction on the display; and

in response to transmitting the payment credentials to the contactless payment transaction terminal;

displaying, on the display, the visual indication that the payment credentials have been transmitted from the device to the contactless payment transaction terminal, wherein the visual indication that the payment credentials have been transmitted from the device to the contactless payment transaction terminal replaces the visual indication requesting that the electronic device be placed within range of the field generated by the contactless payment transaction terminal on the display.

21. 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, 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;

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;

while the device is no longer in range of the field, receiving authorization to proceed with the payment transaction;

subsequent to receiving the authorization to proceed with the payment transaction, detecting, by the short-range communication radio, that the device is in range of the field generated by the contactless payment transaction terminal;

in response to detecting that the device is in range of the field generated by the contactless payment transaction terminal, transmitting, using the short-range communication radio, the payment credentials to the contactless payment transaction terminal; and

in response to transmitting the payment credentials to the contactless payment transaction terminal, displaying, on the display, the visual indication that the payment credentials have been transmitted from the device to the contactless payment transaction terminal.

22. The method of claim 21, 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 wherein the method further comprises:

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

23. The method of claim 21, wherein the method further comprises:

providing an indication that a default payment card affordance of the plurality of payment card affordances is selected as a default payment account, wherein a default primary account number associated with the default payment card affordance is selected for use in the payment transaction.

24. The method of claim 21, wherein the method further comprises:

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.

25. The electronic device of claim 21, wherein the method further comprises:

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.

26. The method of claim 21, wherein receiving authorization to proceed with the payment transaction comprises:

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; and

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

27. The method of claim 21, wherein receiving the 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 accordance with a determination that the payment passcode is consistent with the enrolled passcode, authorizing the payment transaction.

28. The method of claim 21, wherein the method further comprises:

in response to transmitting the payment credentials to the contactless payment transaction terminal;

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

29. The method of claim 21, wherein the method further comprises:

in response to transmitting the payment credentials to the contactless payment transaction terminal;

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

30. The method of claim 21, wherein the method further comprises:

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.

31. The method of claim 21, wherein the method further comprises:

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.

32. The method of claim 21, wherein transmitting the payment credentials to the contactless payment transaction terminal comprises transmitting the payment credentials of a linked payment account to the contactless payment transaction terminal.

33. The method of claim 21, wherein transmitting the payment credentials to the contactless payment transaction terminal comprises transmitting a primary account number stored on the electronic device to the contactless payment transaction terminal for use in the payment transaction.

34. The method of claim 21, wherein the one or more programs further include instructions for:

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

35. The method of claim 21, wherein displaying the visual indication requesting authorization to proceed with the payment transaction comprises displaying an authorization request screen, 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.

36. The method of claim 21, wherein the visual indication requesting authorization to proceed with the payment transaction includes instructions to provide biometric authentication.

37. The method of claim 36, wherein the method further comprises:

while displaying the visual indication requesting authorization to proceed with the payment transaction;

concurrently displaying, on the display, an affordance for providing passcode authentication to proceed with the payment transaction.

38. The method of claim 21, wherein the method further comprises:

in response to receiving the authorization to proceed with the payment transaction and while the electronic device is no longer in range of the contactless payment transaction terminal;

displaying, on the display, a visual indication requesting that the electronic device be placed within range of the field generated by the contactless payment transaction terminal.

39. The method of claim 38, wherein the visual indication requesting that the electronic device be placed within range of the field generated by the contactless payment transaction terminal comprises an animation of movement of the electronic device.

40. The method of claim 21, wherein the method further comprises:

in response to receiving the authorization to proceed with the payment transaction and while the electronic device is no longer in range of the contactless payment transaction terminal;

displaying, on the display, a visual indication requesting that the electronic device be placed within range of the field generated by the contactless payment transaction terminal, wherein the visual indication requesting that the electronic device be placed within range of the field generated by the contactless payment transaction terminal replaces the visual indication requesting authorization to proceed with the payment transaction on the display; and

in response to transmitting the payment credentials to the contactless payment transaction terminal;

displaying, on the display, the visual indication that the payment credentials have been transmitted from the device to the contactless payment transaction terminal, wherein the visual indication that the payment credentials have been transmitted from the device to the contactless payment transaction terminal replaces the visual indication requesting that the electronic device be placed within range of the field generated by the contactless payment transaction terminal on the display.

41. An non-transitory computer-readable storage medium storing one or more programs configured to be executed by one or more processors of an electronic device with a display and a short-range communication radio, the one or more programs including instructions for:

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, 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;

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;

while the device is no longer in range of the field, receiving authorization to proceed with the payment transaction;

subsequent to receiving the authorization to proceed with the payment transaction, detecting, by the short-range communication radio, that the device is in range of the field generated by the contactless payment transaction terminal;

in response to detecting that the device is in range of the field generated by the contactless payment transaction terminal, transmitting, using the short-range communication radio, the payment credentials to the contactless payment transaction terminal; and

in response to transmitting the payment credentials to the contactless payment transaction terminal, displaying, on the display, the visual indication that the payment credentials have been transmitted from the device to the contactless payment transaction terminal.

42. The non-transitory computer-readable storage medium of claim 41, 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 wherein the one or more programs further include instructions for:

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

43. The non-transitory computer-readable storage medium of claim 41, wherein the one or more programs further include instructions for:

providing an indication that a default payment card affordance of the plurality of payment card affordances is selected as a default payment account, wherein a default primary account number associated with the default payment card affordance is selected for use in the payment transaction.

44. The non-transitory computer-readable storage medium of claim 41, wherein the one or more programs further include instructions for:

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.

45. The non-transitory computer-readable storage medium of claim 41, wherein the one or more programs further include instructions for:

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.

46. The non-transitory computer-readable storage medium of claim 41, wherein receiving authorization to proceed with the payment transaction comprises:

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; and

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

47. The non-transitory computer-readable storage medium of claim 41, wherein receiving the 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 accordance with a determination that the payment passcode is consistent with the enrolled passcode, authorizing the payment transaction.

48. The non-transitory computer-readable storage medium of claim 41, wherein the one or more programs further include instructions for:

in response to transmitting the payment credentials to the contactless payment transaction terminal;

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

49. The non-transitory computer-readable storage medium of claim 41, wherein the one or more programs further include instructions for:

in response to transmitting the payment credentials to the contactless payment transaction terminal;

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

50. The non-transitory computer-readable storage medium of claim 41, wherein the one or more programs further include instructions for:

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.

51. The non-transitory computer-readable storage medium of claim 41, wherein the one or more programs further include instructions for:

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.

52. The non-transitory computer-readable storage medium of claim 41, wherein transmitting the payment credentials to the contactless payment transaction terminal comprises transmitting the payment credentials of a linked payment account to the contactless payment transaction terminal.

53. The non-transitory computer-readable storage medium of claim 41, wherein transmitting the payment credentials to the contactless payment transaction terminal comprises transmitting a primary account number stored on the electronic device to the contactless payment transaction terminal for use in the payment transaction.

54. The non-transitory computer-readable storage medium of claim 41, wherein the one or more programs further include instructions for:

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

55. The non-transitory computer-readable storage medium of claim 41, wherein displaying the visual indication requesting authorization to proceed with the payment transaction comprises displaying an authorization request screen, 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.

56. The non-transitory computer-readable storage medium of claim 41, wherein the visual indication requesting authorization to proceed with the payment transaction includes instructions to provide biometric authentication.

57. The non-transitory computer-readable storage medium of claim 56, wherein the one or more programs further include instructions for:

while displaying the visual indication requesting authorization to proceed with the payment transaction;

concurrently displaying, on the display, an affordance for providing passcode authentication to proceed with the payment transaction.

58. The non-transitory computer-readable storage medium of claim 41, wherein the one or more programs further include instructions for:

in response to receiving the authorization to proceed with the payment transaction and while the electronic device is no longer in range of the contactless payment transaction terminal;

displaying, on the display, a visual indication requesting that the electronic device be placed within range of the field generated by the contactless payment transaction terminal.

59. The non-transitory computer-readable storage medium of claim 58, wherein the visual indication requesting that the electronic device be placed within range of the field generated by the contactless payment transaction terminal comprises an animation of movement of the electronic device.

60. The non-transitory computer-readable storage medium of claim 41, wherein the one or more programs further include instructions for:

in response to receiving the authorization to proceed with the payment transaction and while the electronic device is no longer in range of the contactless payment transaction terminal;

displaying, on the display, a visual indication requesting that the electronic device be placed within range of the field generated by the contactless payment transaction terminal, wherein the visual indication requesting that the electronic device be placed within range of the field generated by the contactless payment transaction terminal replaces the visual indication requesting authorization to proceed with the payment transaction on the display; and

in response to transmitting the payment credentials to the contactless payment transaction terminal;

displaying, on the display, the visual indication that the payment credentials have been transmitted from the device to the contactless payment transaction terminal, wherein the visual indication that the payment credentials have been transmitted from the device to the contactless payment transaction terminal replaces the visual indication requesting that the electronic device be placed within range of the field generated by the contactless payment transaction terminal on the display.