User interface for payments

Patent metadata

Field	Value
Publication number	US-10977651-B2
Application number	US-202016990974-A
Country	US
Kind code	B2
Filing date	Aug 11, 2020
Priority date	May 29, 2014
Publication date	Apr 13, 2021
Grant date	Apr 13, 2021

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 one or more processors;
memory; and
one or more programs, wherein the one or more programs are stored in the memory and 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 information identifying a first retailer;
while displaying the user interface that includes the information identifying the first retailer, receiving a request to initiate a payment transaction with the first retailer;
in response to receiving the request to initiate the payment transaction with the first retailer:
in accordance with a determination that an application of the first retailer is available on the electronic device, invoking the application of the first retailer, wherein the application of the first retailer enables a user to initiate the payment transaction with the first retailer; and
in accordance with a determination that the application of the first retailer is not available on the electronic device, providing the user with an option for proceeding with the payment transaction without invoking the application of the first retailer.

2. The electronic device of claim 1 , the one or more programs further including instructions for:
in accordance with a determination that the application of the first retailer is not available on the electronic device and is available for download, displaying a download affordance associated with the application of the first retailer.

3. The electronic device of claim 1 , wherein the application of the first retailer is not available when it is not installed on the electronic device.

4. The electronic device of claim 1 , the one or more programs further including instructions for:
in accordance with a determination that the application of the first retailer is not available on the electronic device:
determining whether the application of the first retailer is available for download;
in accordance with a determination that the application of the first retailer is available for download, displaying a download affordance associated with the application of the first retailer; and
in accordance with a determination that an application of the first retailer is not available for download, providing the user with the option for proceeding with the payment transaction without invoking an application of the first retailer.

5. The electronic device of claim 1 , wherein:
providing the user with the option for proceeding with the payment transaction without invoking an application of the first retailer comprises:
determining a type of the first retailer;
selecting a first template from among a plurality of templates based on the type of the first retailer; and
displaying one or more items of the first retailer using the selected first template.

6. The electronic device of claim 5 , wherein the first retailer populates the selected first template with the one or more items.

7. The electronic device of claim 5 , wherein publicly available information is used to populate the selected first template with the one or more items.

8. The electronic device of claim 5 , the one or more programs further including instructions for:
providing the user with an option for proceeding with a second payment transaction with a second retailer without invoking an application of the second retailer by:
determining a type of the second retailer;
selecting a second template from among the plurality of templates based on the type of the second retailer; and
displaying one or more items of the second retailer using the selected second template; and
wherein the first template and the second template are the same when the type of the first retailer and the type of the second retailer are the same.

9. The electronic device of claim 8 , wherein the first template and the second template are different when the type of the first retailer and the type of the second retailer are different.

10. The electronic device of claim 1 , wherein:
providing the user with the option for proceeding with the payment transaction without invoking an application of the first retailer comprises invoking a second application; and
the application of the first retailer, and the second application are different applications.

11. The electronic device of claim 10 , wherein the second application includes a payment affordance for proceeding with the payment transaction using a payment account linked to the electronic device.

12. The electronic device of claim 1 , the one or more programs further including instructions for:
receiving a request to authorize the payment transaction; and
in response to receiving the request to authorize the payment transaction, authorizing the payment transaction.

13. The electronic device of claim 1 , wherein the user interface that includes information identifying the first retailer is for one of a maps application or a browser application.

14. A method, comprising:
at an electronic device with a display:
displaying, on the display, a user interface that includes information identifying a first retailer;
while displaying the user interface that includes the information identifying the first retailer, receiving a request to initiate a payment transaction with the first retailer;
in response to receiving the request to initiate the payment transaction with the first retailer:
in accordance with a determination that an application of the first retailer is available on the electronic device, invoking the application of the first retailer, wherein the application of the first retailer enables a user to initiate th payment transaction with the first retailer; and
in accordance with a determination that the application of the first retailer is not available on the electronic device, providing the user with an option for proceeding with the payment transaction without invoking the application of the first retailer.

15. The method of claim 14 , further comprising:
in accordance with a determination that the application of the first retailer is not available on the electronic device and is available for download, displaying a download affordance associated with the application of the first retailer.

16. The method of claim 14 , wherein the application of the first retailer is not available when it is not installed on the electronic device.

17. The method of claim 14 , further comprising:
in accordance with a determination that the application of the first retailer is not available on the electronic device:
determining whether the application of the first retailer is available for download;
in accordance with a determination that the application of the first retailer is available for download, displaying a download affordance associated with the application of the first retailer; and
in accordance with a determination that an application of the first retailer is not available for download, providing the user with the option for proceeding with the payment transaction without invoking an application of the first retailer.

18. The method of claim 14 , wherein:
providing the user with the option for proceeding with the payment transaction without invoking an application of the first retailer comprises:
determining a type of the first retailer;
selecting a first template from among a plurality of templates based on the type of the first retailer; and
displaying one or more items of the first retailer using the selected first template.

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

• G06Q20/3821

  Electronic credentials · CPC title

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title

• G06Q20/40

  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 title