USER INTERFACE FOR PAYMENTS

• US 20160253665A1
• Filed: 04/25/2016
• Published: 09/01/2016
• 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., STEELE, Glen W.
• Granted Patent: US 9,911,123 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, cause the device to:

link a plurality of payment accounts to the electronic device, wherein the plurality of payment accounts include a first payment account and a second payment account that is different from the first payment account;

receive a payment transaction request of a payment transaction, wherein the first payment account and the second payment account are both available to provide payment for the payment transaction;

in response to receiving the payment transaction request;

obtain payment account selection information;

in accordance with a determination, based on the payment account selection information, that first payment transaction criteria are met, provide payment in the payment transaction using the first payment account; and

in accordance with a determination, based on the payment account selection information, that second payment transaction criteria are met, provide payment in the payment transaction using the second payment account.

2. The non-transitory computer-readable storage medium of claim 1, wherein:

the first payment account is associated with a first primary account number;

the second payment account is associated with a second primary account number that is different than the first primary account number; and

providing payment in the payment transaction comprises using a respective primary account number to authorize payment.

3. The non-transitory computer-readable storage medium of claim 1, wherein the payment account selection information comprises current location information of the electronic device.

4. The non-transitory computer-readable storage medium of claim 1, wherein the payment account selection information comprises types of acceptable payment accounts.

5. The non-transitory computer-readable storage medium of claim 1, wherein the payment account selection information comprises a time of day or day of week.

6. The non-transitory computer-readable storage medium of claim 1, wherein the payment account selection information comprises a currently scheduled electronic calendar event.

7. The non-transitory computer-readable storage medium of claim 1, wherein the payment account selection information comprises identification of other devices within a defined proximity to the electronic device.

8. The non-transitory computer-readable storage medium of claim 1, wherein the payment account selection information comprises identification of a retailer requesting the payment transaction.

9. The non-transitory computer-readable storage medium of claim 1, wherein the payment account selection information comprises one or more items being purchased as part of the payment transaction.

10. The non-transitory computer-readable storage medium of claim 1, wherein the payment account selection information comprises one or more promotions associated with one or more of the payment accounts.

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

provide a notification at the electronic device based on a met payment transaction criteria, the notification indicating a respective payment account to be used for providing payment in the payment transaction.

12. The non-transitory computer-readable storage medium of claim 1, wherein the first payment account is a default payment account and the second payment account is different from the default payment account.

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

receive identification of the first payment account as a default payment account from an electronic wallet, wherein the electronic wallet comprises representations of the plurality of payment accounts.

14. The non-transitory computer-readable storage medium of claim 1, wherein the first payment account is associated with a first credit card and the second payment account is associated with a second credit card.

15. A method, comprising:

at an electronic device;

linking a plurality of payment accounts to the electronic device, wherein the plurality of payment accounts include a first payment account and a second payment account that is different from the first payment account;

receiving a payment transaction request of a payment transaction, wherein the first payment account and the second payment account are both available to provide payment for the payment transaction;

in response to receiving the payment transaction request;

obtaining payment account selection information;

in accordance with a determination, based on the payment account selection information, that first payment transaction criteria are met, providing payment in the payment transaction using the first payment account; and

in accordance with a determination, based on the payment account selection information, that second payment transaction criteria are met, providing payment in the payment transaction using the second payment account.

16. An electronic device, comprising:

one or more processors; and

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

linking a plurality of payment accounts to the electronic device, wherein the plurality of payment accounts include a first payment account and a second payment account that is different from the first payment account;

receiving a payment transaction request of a payment transaction, wherein the first payment account and the second payment account are both available to provide payment for the payment transaction;

in response to receiving the payment transaction request;

obtaining payment account selection information;

in accordance with a determination, based on the payment account selection information, that first payment transaction criteria are met, providing payment in the payment transaction using the first payment account; and

in accordance with a determination, based on the payment account selection information, that second payment transaction criteria are met, providing payment in the payment transaction using the second payment account.