User interface for payments

Patent metadata

Field	Value
Publication number	US-10748153-B2
Application number	US-201816164561-A
Country	US
Kind code	B2
Filing date	Oct 18, 2018
Priority date	May 29, 2014
Publication date	Aug 18, 2020
Grant date	Aug 18, 2020

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. 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 includes a first activatable user interface object that, when activated, initiates a process for authenticating a secure transaction related to content included in the user interface;
while displaying the user interface, detecting, via the touch-sensitive surface, an activation of the first activatable user interface object;
in response to detecting the activation of the first activatable user interface object, displaying, on the display, a transaction overlay, wherein:
the transaction overlay covers a first portion of the user interface, including the first activatable user interface object, such that the first portion of the user interface and the first activatable user interface object are no longer visible on the display,
the transaction overlay does not cover a second portion of the user interface such that the second portion of the user interface remains visible on the display, and
the transaction overlay includes a representation of an account for use in the secure transaction;
the transaction overlay includes shipping information related to the secure transaction and a second activatable user interface object which, when activated, initiates a process for modifying the shipping information; and

while concurrently displaying the transaction overlay and the second portion of the user interface that was displayed prior to detecting the activation of the first activatable user interface object, displaying, in the transaction overlay, instructions for authenticating the secure transaction related to the content included in the user interface.

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 activatable user interface object 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 graphical 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 transaction overlay further includes account information associated with the account for use in the secure transaction.

11. The electronic device of claim 1 , wherein the transaction overlay further includes a third activatable user interface object which, when activated, initiates a process for changing the account for use in the secure transaction.

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 includes a first activatable user interface object that, when activated, initiates a process for authenticating a secure transaction related to content included in the user interface;
while displaying the user interface, detecting, via the touch-sensitive surface, an activation of the first activatable user interface object;
in response to detecting the activation of the first activatable user interface object, displaying, on the display, a transaction overlay, wherein:
the transaction overlay covers a first portion of the user interface, including the first activatable user interface object, such that the first portion of the user interface and the first activatable user interface object are no longer visible on the display,
the transaction overlay does not cover a second portion of the user interface such that the second portion of the user interface remains visible on the display, and
the transaction overlay includes a representation of an account for use in the secure transaction;
the transaction overlay includes shipping information related to the secure transaction and a second activatable user interface object which, when activated, initiates a process for modifying the shipping information; and

while concurrently displaying the transaction overlay and the second portion of the user interface that was displayed prior to detecting the activation of the first activatable user interface object, displaying, in the transaction overlay, instructions for authenticating the secure transaction related to the content included in the user interface.

13. The non-transitory computer-readable storage medium of claim 12 , 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.

14. The non-transitory computer-readable storage medium of claim 13 , 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.

15. The non-transitory computer-readable storage medium of claim 13 , 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 receiv

Assignees

• 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

Classifications

• G06Q20/401

  Transaction verification · CPC title

• G06Q20/32

  using wireless devices · CPC title

• H04M1/72445

  for supporting Internet browser applications · CPC title

• H04M1/72403

  with means for local support of applications that increase the functionality · CPC title

• G06Q20/405

  Establishing or using transaction specific rules · CPC title