USER INTERFACE FOR PAYMENTS

• US 20150348001A1
• Filed: 09/30/2014
• Published: 12/03/2015
• Est. Priority Date: 05/29/2014
• Status: Active Grant

• Current Assignee: Apple Inc.
• Original Assignee: Apple Inc.
• Inventors: VAN OS, Marcel, YANG, Lawrence Y., CARO, Pablo F., LEE, Woo-Ram, DICKER, George R.
• Granted Patent: US 9,483,763 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• 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, cause the device to:

receive a request to link a payment account associated with a credit card to a respective device, wherein the request includes information about the credit card; and

in response to receiving the request;

determine whether further verification is needed to link the payment account to the respective device;

in accordance with a determination that further verification is not needed to link the payment account to the respective device, link the payment account to the respective device and provide an indication that the payment account has been linked to the respective device; and

in accordance with a determination that further verification is needed to link the payment account to the respective device, provide an indication that further verification is needed to link the payment account to the respective device.

2. The non-transitory computer-readable storage medium of claim 1, wherein the indication that further verification is needed to link the payment account to the respective device includes an alphanumeric visual indicator displayed on the display of the electronic device.

3. The non-transitory computer-readable storage medium of claim 1, wherein the indication that further verification is needed to link the payment account to the respective device includes a visual indication of additional steps to be taken by a user to link the payment account to the respective device.

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

in accordance with the determination that further verification is needed to link the payment account to the respective device;

display, on the display, a plurality of communication method affordances, wherein each communication method affordance is associated with a respective communication method for a verification communication; and

wherein the plurality of communication method affordances is based on communication received from a financial institution.

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

in accordance with the determination that further verification is needed to link the payment account to the respective device;

display, on the display, a plurality of communication method affordances, wherein each communication method affordance is associated with a respective communication method for a verification communication; and

wherein the display of the plurality of communication method affordances is based on locally-stored contact information, the locally-stored contact information including the respective communication methods.

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

in accordance with the determination that further verification is needed to link the payment account to the respective device;

receive a selection of a communication method affordance of the plurality of communication method affordances;

in response to receiving the selection of the communication method affordance, transmit, to the financial institution, an indication of the respective communication method of the selected communication method affordance; and

wherein the verification communication is based on the communication method affordance.

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

in accordance with the determination that further verification is needed to link the payment account to the respective device;

receive a verification communication from a financial institution associated with the payment account, the verification communication for verification to link the payment account to the respective device.

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

in accordance with the determination that further verification is needed to link the payment account to the respective device;

receive a request from a user to initiate a verification communication with a financial institution; and

in response to receiving the request, initiate the verification communication with the financial institution associated with the payment account, the verification communication for verification to link the payment account to the respective device.

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

receive a notification at the electronic device, the notification comprising a verification code for linking the payment account to the respective device; and

in response to receiving the notification comprising the verification code at the electronic device, link the payment account to the respective device.

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

display a confirmation on the device indicating that the payment account has been linked to the respective device.

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

receive user input requesting a secondary verification code for linking the payment account to the respective device; and

in response to receiving the input requesting the secondary verification code, transmit a request to a financial institution to request the secondary verification code.

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

receive a secondary notification at the electronic device, the secondary notification comprising the secondary verification code for linking the payment account to the respective device; and

in response to receiving the secondary notification comprising the secondary verification code at the electronic device, link the payment account to the respective device and display a confirmation on the device indicating that the payment account has been linked to the respective device.

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

receive a primary account number from a financial institution for use in authorizing payments from the payment account using the respective device, wherein the primary account number is different than the account number displayed on the credit card.

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

assign the primary account number to the respective device, wherein the primary account number is different than the account number displayed on the credit card.

15. The non-transitory computer-readable storage medium of claim 1, wherein instructions to cause the device to receive the request to link the payment account comprise instructions to cause the device to:

display, on the display, a credit card import affordance for importing, from a remote server, at least partial credit card information;

receive user selection of the credit card import affordance; and

in response to receiving the user selection of the credit card import affordance for importing credit card information from the remote server;

display a credit card details screen, wherein the credit card details screen includes an indication of a credit card number of the credit card associated with the payment account and includes a security code input field for receiving a security code;

receive a respective security code at the security code input field through user input; and

determine validity of the credit card using verification based on the credit card number and the respective security code.

16. The non-transitory computer-readable storage medium of claim 1, wherein instructions to cause the device to receive the request to link the payment account comprise instructions to cause the device to:

display, on the display, a credit card input affordance for receiving credit card information through user input at the electronic device;

receive user selection of the credit card input affordance; and

in response to receiving the user selection of the credit card input affordance for inputting credit card information;

display a credit card details screen, wherein the credit card details screen includes an account input field for receiving a credit card number associated with the payment account and includes a security code input field for receiving a security code;

receive a respective credit card number at the account input field and a respective security code at the security code input field through user input; and

determine validity of the credit card using verification based on the respective credit card number and the respective security code.

17. The non-transitory computer-readable storage medium of claim 16, wherein the credit card details screen includes a displayed visual 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.

18. The non-transitory computer-readable storage medium of claim 1, wherein the respective device is a second electronic device separate from the electronic device.

19. The non-transitory computer-readable storage medium of claim 1, wherein the respective device is the electronic device and the electronic device is a mobile telecommunications device.

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

determine whether the respective device is configured to require an unlock authorization for unlocking the respective device; and

in accordance with a determination that the respective device is not configured to require an unlock authorization, display, on the display, an unlock authorization configurator for configuring the respective device to require unlock authorization for unlocking the respective device.

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

receive a second request to link a second payment account associated with a second credit card to the respective device, wherein the second request includes information about the second credit card;

link the second payment account to the respective device and provide an indication that the second payment account has been linked to the respective device; and

receive a selection from among at least the payment account and the second payment account, the selection specifying the default payment account to be used for payment transactions.

22. A method, comprising:

at an electronic device with a display;

receiving a request to link a payment account associated with a credit card to a respective device, wherein the request includes information about the credit card; and

in response to receiving the request;

determining whether further verification is needed to link the payment account to the respective device;

in accordance with a determination that further verification is not needed to link the payment account to the respective device, linking the payment account to the respective device and providing an indication that the payment account has been linked to the respective device; and

in accordance with a determination that further verification is needed to link the payment account to the respective device, providing an indication that further verification is needed to link the payment account to the respective device.

23. An electronic device, comprising:

a display;

a memory; and

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

receive a request to link a payment account associated with a credit card to a respective device, wherein the request includes information about the credit card; and

in response to receiving the request;

determine whether further verification is needed to link the payment account to the respective device;

in accordance with a determination that further verification is not needed to link the payment account to the respective device, link the payment account to the respective device and provide an indication that the payment account has been linked to the respective device; and

in accordance with a determination that further verification is needed to link the payment account to the respective device, provide an indication that further verification is needed to link the payment account to the respective device.