USER INTERFACE FOR PAYMENTS

• US 20200065821A1
• Filed: 10/29/2019
• Published: 02/27/2020
• 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., DIEDERICH, Anton K.
• Granted Patent: US 10,796,309 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

An electronic device with a display and a biometric input sensor is described. In some embodiments, the electronic device displays a user interface for a first application that includes an affordance; in response to detecting selection of the affordance, the electronic device transfers first transaction information about a transaction from the first application to a second application and displays a user interface for the second application; in accordance with a determination that detected biometric input is consistent with enrolled biometric input information, the electronic device proceeds with the transaction; after proceeding with the transaction, the electronic device displays a user interface for a third application that includes a second affordance; in response to detecting selection of the second affordance, the electronic device transfers third transaction information about a second transaction from the third application to the second application and displays a second user interface for the second application.

Claims

1. An electronic device, comprising:

a display;

a biometric sensor;

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 for a first application, wherein the user interface for the first application includes a payment affordance associated with a payment transaction;

detecting selection of the payment affordance;

in response to detecting selection of the payment affordance;

transferring first transaction information about the payment transaction from the first application to a second application; and

displaying, on the display, a user interface for the second application, wherein displaying the user interface for the second application includes concurrently displaying the first transaction information received from the first application and second transaction information provided by the second application, wherein the second transaction information is not available to the first application, and wherein the user interface for the second application partially covers the user interface for the first application, leaving at least a portion of the user interface for the first application visible on the display;

while displaying, on the display, the user interface for the second application, detecting a biometric input using the biometric sensor;

determining whether the detected biometric input is consistent with an enrolled biometric input information that is enabled to authorize payment transactions;

in accordance with a determination that the detected biometric input is consistent with the enrolled biometric input information, proceeding with the payment transaction;

after proceeding with the payment transaction, displaying, on the display, a user interface for a third application, wherein the user interface for the third application includes a second payment affordance associated with a second payment transaction;

detecting selection of the second payment affordance; and

in response to detecting selection of the second payment affordance;

transferring third transaction information about the second payment transaction from the third application to the second application; and

displaying, on the display, a second user interface for the second application, wherein displaying the second user interface for the second application includes concurrently displaying the third transaction information received from the third application and fourth transaction information provided by the second application, wherein the second transaction information is not available to the third application.

2. The electronic device of claim 1, the one or more programs further including instructions for:

receive a selection of a first purchase detail affordance displayed on the user interface for the second application, the first purchase detail affordance associated with a first purchase detail of the payment transaction;

in response to receiving selection of the first purchase detail affordance, displaying one or more affordances for selecting alternate values for the first purchase detail of the payment transaction;

receiving selection of an alternate value for the first purchase detail of the payment transaction; and

in response to receiving selection of the alternate value, updating the second transaction information to include the alternate value as the first purchase detail.

3. The electronic device of claim 2, wherein the first purchase detail of the payment transaction is part of the first transaction information from the first application.

4. The electronic device of claim 2, wherein the first purchase detail is part of the second transaction information provided by the second application.

5. The electronic device of claim 2, wherein the first purchase detail is a shipping address.

6. The electronic device of claim 2, wherein the first purchase detail is a payment account.

7. The electronic device of claim 1, the one or more programs further including instructions for:

in accordance with the determination that the biometric input is consistent with the enrolled biometric input information, transferring the second transaction information to the first application.

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

in accordance with the determination that the biometric input is consistent with the enrolled biometric input information, transferring the first transaction information and the second transaction information to the first application.

9. The electronic device of claim 8, the one or more programs further including instructions for:

in response to transferring the first transaction information and the second transaction information from the second application to the first application, completing the payment transaction using the first application.

10. The electronic device of claim 1, wherein the first application is a third-party application installed on the electronic device.

11. The electronic device of claim 1, wherein the first application includes a website accessed through a web browser installed on the electronic device.

12. The electronic device of claim 1, wherein the second application is the operating system of the electronic device, the second application having access to an electronic wallet including the second transaction information.

13. The electronic device of claim 1, wherein the second application is a first-party application provided by a provider of the operating system of the electronic device, the second application having access to an electronic wallet including the second transaction information.

14. The electronic device of claim 1, wherein the first transaction information includes an amount and a default shipping method.

15. The electronic device of claim 1, wherein the second transaction information includes a primary account number associated with a payment account.

16. The electronic device of claim 1, wherein the second transaction information includes a ship-to address accessed from user contact information, the user contact information stored on the electronic device.

17. The electronic device of claim 1, the one or more programs further including instructions for:

determining whether the biometric input is consistent with the enrolled biometric information prior to transferring the second transaction information to the first application.

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

transferring zip code information from the second application to the first application;

wherein the first transaction information includes an initial shipping cost based on the zip code information; and

receiving updated first transaction information, wherein the updated first transaction information includes a shipping cost based on the second transaction information.

19. The electronic device of claim 1, the one or more programs further including instructions for:

in accordance with the determination that the biometric input is not consistent with the enrolled biometric input information, forgoing authorization of the payment transaction.

20. The electronic device of claim 19, the one or more programs further including instructions for:

in accordance with the determination that the biometric input is not consistent with the enrolled biometric input information, displaying, on the display, an affordance for receiving authorization to proceed with the payment transaction using a payment passcode.

21. The electronic device of claim 19, the one or more programs further including instructions for:

in accordance with the determination that the biometric input is not consistent with the enrolled biometric input information;

determining whether a predetermined number of attempts to receive authorization to proceed with the payment transaction using the biometric input 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.

22. The electronic device of claim 19, the one or more programs further including instructions for:

in accordance with the determination that the biometric input is not consistent with the enrolled biometric input information, displaying, on the display, a visual prompt instructing a user to direct the biometric input towards the biometric input sensor.

23. The electronic device of claim 1, wherein a financial institution associated with processing the payment transaction treats the payment transaction as a card-present transaction.

24. The electronic device of claim 1, wherein displaying the user interface for the second application partially covers the user interface for the first application, leaving at least part of the user interface for the first application visible.

25. The electronic device of claim 1, wherein displaying, on the display, the user interface for the second application comprises vertically sliding the user interface for the second application onto the display from the bottom of the display.

26. The electronic device of claim 1, wherein:

the biometric input sensor corresponds to a fingerprint sensor,

the biometric input corresponds to a fingerprint, and

the enrolled biometric input information corresponds to an enrolled fingerprint that is enabled to authorize payment transactions.

27. 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 biometric input sensor, the one or more programs including instructions for:

displaying, on the display, a user interface for a first application, wherein the user interface for the first application includes a payment affordance associated with a payment transaction;

detecting selection of the payment affordance;

in response to detecting selection of the payment affordance;

transferring first transaction information about the payment transaction from the first application to a second application; and

displaying, on the display, a user interface for the second application, wherein displaying the user interface for the second application includes concurrently displaying the first transaction information received from the first application and second transaction information provided by the second application, wherein the second transaction information is not available to the first application, and wherein the user interface for the second application partially covers the user interface for the first application, leaving at least a portion of the user interface for the first application visible on the display;

while displaying, on the display, the user interface for the second application, detecting a biometric input using the biometric sensor;

determining whether the detected biometric input is consistent with an enrolled biometric input information that is enabled to authorize payment transactions;

in accordance with a determination that the detected biometric input is consistent with the enrolled biometric input information, proceeding with the payment transaction;

after proceeding with the payment transaction, displaying, on the display, a user interface for a third application, wherein the user interface for the third application includes a second payment affordance associated with a second payment transaction;

detecting selection of the second payment affordance; and

in response to detecting selection of the second payment affordance;

transferring third transaction information about the second payment transaction from the third application to the second application; and

displaying, on the display, a second user interface for the second application, wherein displaying the second user interface for the second application includes concurrently displaying the third transaction information received from the third application and fourth transaction information provided by the second application, wherein the second transaction information is not available to the third application.

28. A method, comprising:

at an electronic device with a display and a biometric input sensor;

displaying, on the display, a user interface for a first application, wherein the user interface for the first application includes a payment affordance associated with a payment transaction;

detecting selection of the payment affordance;

in response to detecting selection of the payment affordance;

transferring first transaction information about the payment transaction from the first application to a second application; and

displaying, on the display, a user interface for the second application, wherein displaying the user interface for the second application includes concurrently displaying the first transaction information received from the first application and second transaction information provided by the second application, wherein the second transaction information is not available to the first application, and wherein the user interface for the second application partially covers the user interface for the first application, leaving at least a portion of the user interface for the first application visible on the display;

while displaying, on the display, the user interface for the second application, detecting a biometric input using the biometric sensor;

determining whether the detected biometric input is consistent with an enrolled biometric input information that is enabled to authorize payment transactions;

in accordance with a determination that the detected biometric input is consistent with the enrolled biometric input information, proceeding with the payment transaction;

after proceeding with the payment transaction, displaying, on the display, a user interface for a third application, wherein the user interface for the third application includes a second payment affordance associated with a second payment transaction;

detecting selection of the second payment affordance; and

in response to detecting selection of the second payment affordance;

transferring third transaction information about the second payment transaction from the third application to the second application; and

displaying, on the display, a second user interface for the second application, wherein displaying the second user interface for the second application includes concurrently displaying the third transaction information received from the third application and fourth transaction information provided by the second application, wherein the second transaction information is not available to the third application.