USER INTERFACE FOR PAYMENTS

• US 20190050867A1
• Filed: 10/18/2018
• Published: 02/14/2019
• Est. Priority Date: 05/29/2014
• Status: Active Grant

• Current Assignee: Apple Inc.
• Original Assignee: Apple Inc.
• Inventors: VAN OS, Marcel, ADAMS, Christopher D., AHN, Charles, CARO, Pablo F., DICKER, George R., FEDERIGHI, Craig M., LEE, Woo-Ram, TUCKER, Brian, YERKES, Giancarlo
• Granted Patent: US 10,748,153 B2
• Time in Patent Office: Days
• 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 touch-sensitive surface;

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;

displaying, on the display, a user interface that concurrently displays content and a transaction affordance associated with a secure transaction related to the content;

while displaying the user interface, detecting, via the touch-sensitive surface, an activation of the transaction affordance;

in response to detecting the activation of the transaction affordance, displaying, on the display, a transaction overlay that covers the transaction affordance and at least a first portion of the content without covering a second portion of the content, wherein the transaction overlay includes a representation of an account for use in the secure transaction; and

while displaying the transaction overlay, displaying, in the transaction overlay, instructions for authenticating the secure transaction.

2. The electronic device of claim 1, wherein the electronic device includes a biometric sensor, and wherein the instructions for authenticating the secure transaction include instructions for providing biometric authentication, via the biometric sensor, to authenticate the secure transaction.

3. The electronic device of claim 2, wherein the biometric sensor is a fingerprint sensor, and wherein the instructions for authenticating the secure transaction include a graphical representation of a simulated fingerprint.

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

while displaying, in the transaction overlay, the instructions for providing biometric authentication, receiving, via the biometric sensor, biometric information; and

in response to receiving the biometric information, in accordance with a determination that the biometric information is consistent with registered biometric information, displaying, on the display, confirmation information associated with the secure transaction, wherein the displayed confirmation information replaces display of the transaction overlay.

5. The electronic device of claim 4, wherein the displayed confirmation information further replaces display of the second portion of the content of the user interface.

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

in response to receiving the biometric information, in accordance with a determination that the biometric information is inconsistent with the registered biometric information, maintaining display of the transaction overlay without displaying the confirmation information.

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

in response to receiving the biometric information, in accordance with a determination that the biometric information is inconsistent with the registered biometric information;

maintaining display of the transaction overlay; and

displaying, in the transaction overlay, an affordance for authenticating the secure transaction using passcode authentication.

8. The electronic device of claim 1, wherein the instructions for authenticating the secure transaction include a graphic representation indicative of a method of biometric authentication.

9. The electronic device of claim 1, wherein the instructions for authenticating the secure transaction include text instructions for providing biometric authentication.

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

while displaying, in the transaction overlay, the instructions for authenticating the secure transaction, wherein the instructions for authenticating the secure transaction include instructions for providing biometric authentication, concurrently displaying, in the transaction overlay;

shipping information related to the secure transaction, and

account information associated with the account for use in the secure transaction.

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

while displaying, in the transaction overlay, the shipping information and the account information, concurrently displaying, in the transaction overlay, a first affordance for changing the shipping information and a second affordance for changing the account information.

12. A 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 touch-sensitive surface, the one or more programs including instructions for:

displaying, on the display, a user interface that concurrently displays content and a transaction affordance associated with a secure transaction related to the content;

while displaying the user interface, detecting, via the touch-sensitive surface, an activation of the transaction affordance;

in response to detecting the activation of the transaction affordance, displaying, on the display, a transaction overlay that covers the transaction affordance and at least a first portion of the content without covering a second portion of the content, wherein the transaction overlay includes a representation of an account for use in the secure transaction; and

while displaying the transaction overlay, displaying, in the transaction overlay, instructions for authenticating the secure transaction.

13. A method, comprising:

at an electronic device with a display and a touch-sensitive surface;

displaying, on the display, a user interface that concurrently displays content and a transaction affordance associated with a secure transaction related to the content;

while displaying the user interface, detecting, via the touch-sensitive surface, an activation of the transaction affordance;

in response to detecting the activation of the transaction affordance, displaying, on the display, a transaction overlay that covers the transaction affordance and at least a first portion of the content without covering a second portion of the content, wherein the transaction overlay includes a representation of an account for use in the secure transaction; and

while displaying the transaction overlay, displaying, in the transaction overlay, instructions for authenticating the secure transaction.