User interfaces for peer-to-peer transfers

Patent metadata

Field	Value
Publication number	US-10796294-B2
Application number	US-201815981817-A
Country	US
Kind code	B2
Filing date	May 16, 2018
Priority date	May 16, 2017
Publication date	Oct 6, 2020
Grant date	Oct 6, 2020

Abstract

The present disclosure generally relates to user interfaces for managing peer-to-peer transfers. In some examples, a device provides user interfaces for initiating and managing transfers. In some examples, a device provides user interfaces corresponding to completed transfers. In some examples, a device provides user interfaces for providing visually distinguishable message object appearances based on message designation. In some examples, a device provides user interfaces for activating accounts for accepting and sending transfers. In some examples, a device provides user interfaces for exchanging accounts for use in a transfer. In some examples, a device provides user interfaces for splitting transfers between two or more accounts. In some examples, a device provides user interfaces for generating and displaying a transfers history list. In some examples, a device provides user interfaces for voice-activation of transfers. In some examples, a device provides visual or haptic feedback corresponding to a transfer operation.

First claim

What is claimed is:

1. An electronic device, comprising:
a display;
one or more input devices;
a wireless communication radio capable of using near-field communication:
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:
detecting, via the wireless communication radio, a presence of a field generated by a second electronic device;
receiving, via the one or more input devices, a request to perform an operation associated with a first transfer account; and
in response to receiving the request to perform the operation associated with the first transfer account:
in accordance with a determination that a balance of the first transfer account is below a balance threshold:
concurrently displaying, on the display, a representation of the first transfer account with an insufficient balance notification;
displaying a selectable graphical user interface object for adding balance to the first transfer account;
detecting, via the one or more input devices, activation of the selectable graphical user interface object for adding balance to the first transfer account; and
in response to detecting the activation of the selectable graphical user interface object, initiating a process for adding balance to the first transfer account; and

in accordance with a determination that the balance of the first transfer account is not below the balance threshold, displaying, on the display, the representation of the first transfer account without displaying the insufficient balance notification.

2. The electronic device of claim 1 , wherein the operation associated with the first transfer account is setting the first transfer account to be ready for use in a transfer operation while the electronic device has not determined a requested transfer amount of the transfer operation, and wherein:
prior to setting the first transfer account to be ready for use in the transfer operation, the electronic device does not transmit credentials of the first transfer account to the second electronic device upon detecting presence of the field generated by the second electronic device, and
subsequent to setting the first transfer account to be ready for use in the transfer operation, the electronic device transmits the credentials of the first transfer account to the second electronic device upon detecting presence of the field generated by the second electronic device.

3. The electronic device of claim 1 , wherein the operation associated with the first transfer account is setting the first transfer account to be ready for use in a transfer operation after the electronic device has determined a requested transfer amount of the transfer operation.

4. The electronic device of claim 1 , the one or more programs further including instructions for:
in accordance with the determination that the balance of the first transfer account is not below the balance threshold, transmitting credentials of the first transfer account to a second electronic device for use in a transfer operation.

5. The electronic device of claim 1 , the one or more programs further including instructions for:
in accordance with the determination that the balance of the first transfer account is below the balance threshold, transmitting credentials of the first transfer account and credentials of a second transfer account different from the first transfer account to a second electronic device for use in a transfer operation.

6. The electronic device of claim 1 , wherein:
the balance of the first transfer account corresponds to a first amount of items, and
the balance threshold corresponds to a predetermined amount of items.

7. The electronic device of claim 1 , wherein:
the balance of the first transfer account corresponds to a first amount of items, and
the balance threshold corresponds to a requested transfer amount.

8. The electronic device of claim 1 , the one or more programs further including instructions for:
detecting, via the one or more input devices, an activation of the insufficient balance notification;
in response to detecting the activation of the insufficient balance notification, concurrently displaying, on the display:
representations of one or more available transfers accounts, including a representation of the first transfer account, and
an add balance affordance;

detecting, via the one or more input devices, an activation of the add balance affordance; and
in response to detecting the activation of the add balance affordance, displaying, on the display, an add balance user interface for adding balance to the first transfer account.

9. The electronic device of claim 1 , wherein displaying the representation of the first transfer account without di splaying the insufficient balance notification comprises di splaying at least a portion of the representation of the first transfer account within a respective region showing a portion of a representation of a second transfer account, wherein the portion of the representation of the first transfer account includes a balance indication corresponding to the balance of the first transfer account.

10. The electronic device of claim 1 , wherein the one or more programs further including instructions for:
in accordance with the determination that the balance of the first transfer account is below the balance threshold, displaying, on the display, an indication that a second transfer account different from the first transfer account can be used for a transfer operation.

11. The electronic device of claim 1 , the one or more programs further including instructions for:
subsequent to receiving the request to perform the operation associated with the first transfer account and while the balance of the first transfer account is below the balance threshold:
transmitting, to a second electronic device, credentials of the first transfer account; and
displaying, on the display, an add balance notification.

12. The electronic device of claim 11 , the one or more programs further including instructions for:
while displaying the add balance notification, detecting, via the one or more input devices, an activation of the add balance notification; and
in response to detecting the activation of the add balance notification, displaying, on the display, an add balance user interface.

13. The electronic device of claim 1 , the one or more programs further including instructions for:
prior to receiving the request to perform an operation associated with a first transfer account, displaying a user interface of a first application, wherein the balance threshold corresponds to a requested transfer amount detected based on the first application.

14. The electronic device of claim 1 , the one or more programs further including instructions for:
while displaying the representation of the first transfer account without displaying the insufficient balance notification, detecting biometric information; and
in accordance with a determination that the detected biometric information corresponds to enrolled biometric information, transmitting, to a second electronic device, credentials of the first transfer account for use in a transfer operation corresponding to a requested amount of items, wherein the requested amount of items is withdrawn from the first transfer account.

15. The electronic device of claim 14 , the one or more programs further including instructions for:
in response to transmitting the credentials of the first transfer account for use in the transfer operation, in accordan

Assignees

• Apple Inc

Inventors

• Van Os Marcel
• Lemmens Cas
• Mclachlan Mischa

Classifications

• G06F3/0484 Primary

  for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range · CPC title

• H04L51/02

  using automatic reactions or user delegation, e.g. automatic replies or chatbot-generated messages · CPC title

• G06F3/0481 Primary

  based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance · CPC title

• G06Q20/40145

  Biometric identity checks · CPC title

• G06Q20/386

  using messaging services or messaging apps (using mobile network messaging services for payment, e.g. SMS G06Q20/3255) · CPC title