User interface for loyalty accounts and private label accounts for a wearable device

Patent metadata

Field	Value
Publication number	US-10990934-B2
Application number	US-201514870793-A
Country	US
Kind code	B2
Filing date	Sep 30, 2015
Priority date	Jun 5, 2015
Publication date	Apr 27, 2021
Grant date	Apr 27, 2021

Abstract

The present disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using a wearable electronic device with an electronic wallet. Various accounts are linked to the electronic device. In some examples, the electronic device is NFC-enabled. The electronic device may be used to provide loyalty account information and payment account information to a payment terminal, such as an NFC-enabled payment terminal.

First claim

What is claimed is:

1. A non-transitory computer-readable storage medium comprising one or more programs for execution by one or more processors of a first electronic device with a display and one or more wireless communication elements, the one or more programs including instructions for:
displaying, on the display, an enrollment user interface for linking payment accounts to the first electronic device that includes displayed instructions for user input that will cause the first electronic device to initiate a process for linking a payment account to the first electronic device;
receiving a sequence of one or more inputs that conforms to the instructions and corresponds to a first request to link the payment account associated with a payment card to the first electronic device;
in response to receiving the sequence of one or more inputs that conforms to the instructions and corresponds to the first request, initiating a process for linking the payment account to the first electronic device;
after successfully linking the payment account to the first electronic device, concurrently displaying, on the display:
an indication that the payment account has been successfully linked to the first electronic device; and
a selectable affordance for linking the payment account to a second electronic device that is different from the first electronic device and is paired to the first electronic device;

receiving activation of the selectable affordance; and
in response to receiving activation of the selectable affordance, initiating a process for linking the payment account to the second electronic device that is different from the first electronic device and is paired to the first electronic device, wherein the process for linking the payment account to the second electronic device includes displaying, on the display of the first electronic device, instructions for user input at the first electronic device to link the payment account to the second electronic device.

2. The non-transitory computer-readable storage medium of claim 1 , wherein the second electronic device is uniquely paired with the first electronic device.

3. The non-transitory computer-readable storage medium of claim 1 , wherein the first electronic device is paired with a third electronic device, and wherein a pairing relationship between the first electronic device and the second electronic device is different than a pairing relationship between the first electronic device and the third electronic device.

4. The non-transitory computer-readable storage medium of claim 1 , wherein initiating the process for linking the payment account to the second electronic device includes:
transmitting, via the one or more wireless communication elements, to a financial institution associated with the payment card an indication that the second electronic device is uniquely paired with the first electronic device.

5. The non-transitory computer-readable storage medium of claim 1 , further including instructions for:
after initiating linking the payment account to the second electronic device, receiving a confirmation from the second electronic device that linking the second electronic device to the payment account was successful; and
wherein a primary account number linked to the second electronic device for the payment account is different from a primary account number linked to the first electronic device for the payment account.

6. The non-transitory computer-readable storage medium of claim 1 , wherein the first request to link the payment account includes an account number of the payment card and wherein initiating the process for linking the payment account to the second electronic device occurs without requiring additional input of the account number of the payment card.

7. The non-transitory computer-readable storage medium of claim 1 , wherein a second request includes a security code of the payment card.

8. The non-transitory computer-readable storage medium of claim 1 , wherein initiating the process linking the payment account to the second electronic device includes:
transmitting, via the one or more wireless communication elements, to a financial institution associated with the payment card:
the account number of the payment card; and
a security token confirming the payment account was previously linked to the first electronic device.

9. The non-transitory computer-readable storage medium of claim 1 , wherein initiating the process for linking the payment account to the second electronic device includes:
determining whether further verification is needed to link the payment account to the second electronic device;
in accordance with a determination that further verification is not needed to link the payment account to the second electronic device, initiating a process for linking the payment account to the second electronic device and providing an indication that the payment account has been linked to the second electronic device; and
in accordance with a determination that further verification is needed to link the payment account to the second electronic device, providing an indication that further verification is needed to link the payment account to the second electronic device.

10. The non-transitory computer-readable storage medium of claim 9 , wherein the indication that further verification is needed to link the payment account to the second electronic device includes a visual indication of additional steps to be taken by a user to link the payment account to the respective device.

11. The non-transitory computer-readable storage medium of claim 1 , further including instructions for:
transmitting account linking information to the second electronic device, wherein the account linking information enables the second electronic device to link the payment account to the second electronic device.

12. The non-transitory computer-readable storage medium of claim 8 , further including instructions for:
in accordance with the determination that further verification is needed to link the payment account to the respective device:
displaying, on the display, a plurality of communication method affordances, wherein each communication method affordance is associated with a respective communication method for a verification communication; and
wherein the plurality of communication method affordances is based on communication received from the financial institution.

13. The non-transitory computer-readable storage medium of claim 8 , further including instructions for:
in accordance with the determination that further verification is needed to link the payment account to the second electronic device:
receiving a selection of a communication method affordance of a plurality of communication method affordances; and
in response to receiving the selection of the communication method affordance, transmitting, to the financial institution, an indication of the respective communication method of the selected communication method affordance.

14. The non-transitory computer-readable storage medium of claim 1 , further including instructions for:
receiving a primary account number from a financial institution for use in authorizing payments from the payment account using the second electronic device, wherein the primary account number is different than the account number of the payment card; and
assigning the primary account number to the respective device.

15. The non-transitory computer-readable storage medium of claim 1 , wherein an electronic wallet of the second electronic device includes payment account information for a second payment a

Assignees

• Apple Inc

Inventors

• Van Os Marcel
• Suzuki Gregg
• Yang Lawrence Y
• Anton Peter
• Pitschel Donald W

Classifications

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title

• G06Q20/3224 Primary

  Transactions dependent on location of M-devices · CPC title

• G06Q20/227 Primary

  characterised in that multiple accounts are available, e.g. to the payer · CPC title

• G06F3/048

  Interaction techniques based on graphical user interfaces [GUI] · CPC title

• G06Q20/321 Primary

  using wearable devices · CPC title