User interface for payments

Patent metadata

Field	Value
Publication number	US-10043185-B2
Application number	US-201414503072-A
Country	US
Kind code	B2
Filing date	Sep 30, 2014
Priority date	May 29, 2014
Publication date	Aug 7, 2018
Grant date	Aug 7, 2018

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.

First claim

What is claimed is:

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 and a short-range communication radio, cause the device to:
detect, 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, determine 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:
transmit, using the short-range communication radio, payment credentials to the contactless payment transaction terminal; and
display, 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, display, on the display, a visual indication requesting authorization to proceed with the payment transaction;
after detecting the presence of the field generated by the contactless payment transaction terminal when authorization to proceed with the payment transaction has not been provided:
detect, by the short-range communication radio, that the device is no longer in range of the field generated by the contactless payment transaction terminal;
in response to detecting that the device is no longer in range of the field, display a plurality of payment card affordances associated with different payment accounts; and
receive authorization to proceed with the payment transaction for a predetermined period of time with one of the payment accounts.

2. The non-transitory computer-readable storage medium 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 further comprising instructions to cause the device to, in response to detecting the presence of the field generated by the contactless payment transaction terminal, turn the display on.

3. The non-transitory computer-readable storage medium of claim 1 , further comprising instructions to cause the device to:
provide an indication that a default payment card affordance of the plurality of payment card affordances is selected as a default payment account; and
wherein a default primary account number associated with the default payment card affordance is selected for use in the payment transaction.

4. The non-transitory computer-readable storage medium of claim 1 , further comprising instructions to cause the device to:
receive 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, select the respective alternate primary account number for use in the payment transaction.

5. The non-transitory computer-readable storage medium of claim 1 , further comprising instructions to cause the device to:
prior to detecting presence of the field generated by the contactless payment transaction terminal, receive authorization to proceed with a payment transaction for a predetermined period of time.

6. The non-transitory computer-readable storage medium of claim 1 , further comprising instructions to cause the device, while the device is within range of the field generated by the contactless payment transaction terminal, to:
detect a respective fingerprint on a fingerprint sensor of the electronic device;
in response to detecting the respective fingerprint on the fingerprint sensor, determine whether the fingerprint is consistent with an enrolled fingerprint that is enabled to authorize payment transactions;
in accordance with a determination that a respective fingerprint is consistent with the enrolled fingerprint, authorize the payment transaction; and
in accordance with a determination that the respective fingerprint is not consistent with the enrolled fingerprint, forgo authorization of the payment transaction.

7. The non-transitory computer-readable storage medium of claim 6 , further comprising instructions to cause the device to:
in accordance with a determination that the respective fingerprint is not consistent with the enrolled fingerprint:
play, at the electronic device, a failure audio alert through a speaker, the failure audio alert indicating that authorization to proceed with the payment transaction has not been provided.

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 authorization to proceed with the payment transaction has been provided, determine whether the payment transaction is successfully completed; and
in response to determining the payment transaction is successfully completed, play, at the electronic device, a success audio alert, the success audio alert indicating that the payment transaction is successfully completed.

9. The non-transitory computer-readable storage medium of claim 6 , further comprising instructions to cause the device to:
in accordance with a determination that the respective fingerprint is not consistent with the enrolled fingerprint:
cause, at the electronic device, a failure haptic alert indicating that authorization to proceed with the payment transaction has not been provided.

10. The non-transitory computer-readable storage medium of claim 9 , further comprising instructions to cause the device to:
in accordance with the determination that authorization to proceed with the payment transaction has been provided, determine whether the payment transaction is successfully completed; and
in response to determining the payment transaction is successfully completed, cause, at the electronic device, a success haptic alert indicating that the payment transaction is successfully completed.

11. The non-transitory computer-readable storage medium of claim 10 , wherein the failure haptic alert and the success haptic alert are different.

12. The non-transitory computer-readable storage medium of claim 11 , wherein the failure haptic alert is longer in duration and more intense than the success haptic alert.

13. The non-transitory computer-readable storage medium of claim 9 , further comprising instructions to cause the device to:
in accordance with a determination that the respective fingerprint is not consistent with the enrolled fingerprint:
display, on the display, an affordance for receiving authorization to proceed with the payment transaction using a payment passcode.

14. The non-transitory computer-readable storage medium of claim 1 , further comprising instructions to cause the device to:
determine 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, require authorization using a payment passcode to proceed with the payment transaction.

15. The non-transitory computer-readable storage medium of claim 9 , further comprising instructions to cause the device to:
in accordance with a dete

Assignees

• 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

Classifications

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title

• G06Q20/4014

  Identity check for transactions · CPC title

• G06Q20/3821

  Electronic credentials · CPC title

• G06Q20/40145 Primary

  Biometric identity checks · CPC title