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

Patent metadata

Field	Value
Publication number	US-2016358133-A1
Application number	US-201514869877-A
Country	US
Kind code	A1
Filing date	Sep 29, 2015
Priority date	Jun 5, 2015
Publication date	Dec 8, 2016
Grant date	—

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

1 . A non-transitory computer-readable storage medium comprising one or more programs for execution by one or more processors of an electronic device with a display and a location sensor, the one or more programs including instructions for:
detecting, using the location sensor, a current location; determining whether the current location is associated with a first account; in accordance with a failure to determine that the current location is associated with an account other than a default payment account, displaying, on the display, a visual indication of a default payment account; in accordance with a determination that the current location is associated with the first account, concurrently displaying, on the display, the visual indication of the default payment account and a visual indication of the first account; and wherein the default payment account and the first account are linked to the electronic device and the default payment account and the first account are different.

2 . The non-transitory computer-readable storage medium of claim 1 , wherein the first account is a payment account.

3 . The non-transitory computer-readable storage medium of claim 1 , wherein the first account is a loyalty account.

4 . The non-transitory computer-readable storage medium of claim 1 , further comprising instructions for:
receiving a request associated with a payment transaction from a contactless payment terminal; determining whether the request includes a request for payment account information using a first account type corresponding to the first account; and in accordance with the determination that the current location is associated with the first account and in accordance with a determination that the request includes a request for payment information using the first account type, transmitting, using one or more wireless communication elements, payment account information of the first account to the contactless payment terminal, wherein the payment account information of the first account enables the contactless payment terminal to engage in the payment transaction.

5 . The non-transitory computer-readable storage medium of claim 1 , further comprising instructions for:
receiving a request associated with a payment transaction from a contactless payment terminal; determining that the request includes a request for payment account information using a first account type corresponding to the first account; and in accordance with the failure to determine that the current location is associated with an account other than the default payment account, transmitting, using one or more wireless communication elements, payment account information of the default payment account to the contactless payment terminal, wherein the payment account information of the default payment account enables the contactless payment terminal to engage in the payment transaction.

6 . The non-transitory computer-readable storage medium of claim 1 , wherein the visual indication of the first account is displayed on the visual indication of the default account, and wherein the visual indication of the first account indicates that the first account is enabled to be selected by the device for use in a payment transaction without requiring additional user input.

7 . The non-transitory computer-readable storage medium of claim 1 , further comprising instructions for:
prior to detecting, using the location sensor, the current location, receiving an input requesting to enable the device for a payment transaction.

8 . The non-transitory computer-readable storage medium of claim 7 , wherein detecting, using the location sensor, the current location is in response to receiving the input requesting to enable the device for a payment transaction.

9 . The non-transitory computer-readable storage medium of claim 1 , wherein determining whether the current location is associated with the first account is in response to receiving an input requesting to enable the device for a payment transaction.

10 . The non-transitory computer-readable storage medium of claim 1 , wherein a failure to determine that the current location is associated with an account other than a default payment account occurs when the device fails to determine that the current location is associated with a first account before the electronic device is enabled to participate in a transaction using the default payment account via one or more wireless communication elements.

11 . The non-transitory computer-readable storage medium of claim 1 , further comprising instructions for:
receiving a request for loyalty account information from a contactless payment terminal, wherein the first account is a loyalty account; and in response to receiving the request for loyalty account information, in accordance with the failure to determine that the current location is associated with an account other than the default payment account and in accordance with a subsequent determination that the current location is associated with the first account:
transmitting, via one or more wireless communication elements, account information for the first account to the contactless payment terminal; and
transmitting, via the one or more wireless communication elements, payment account information of the default payment account to the contactless payment terminal.

12 . The non-transitory computer-readable storage medium of claim 1 , further comprising instructions for:
receiving a request associated with a payment transaction from a contactless payment terminal; determining that the request includes a request for payment account information using a first account type corresponding to the first account, wherein the first account is a payment account that is different from the default payment account; in response to receiving the request for account information in accordance with the failure to determine that the current location is associated with an account other than the default payment account and in accordance with a subsequent determination that the current location is associated with the first account:
forgoing transmitting, via one or more wireless communication elements, account information for the first account to the contactless payment terminal; and
transmitting, via the one or more wireless communication elements, payment account information of the default payment account to the contactless payment terminal.

13 . The non-transitory computer-readable storage medium of claim 1 , further comprising instructions for:
receiving a request associated with a payment transaction from a contactless payment terminal, wherein:
prior to receiving the request associated with the payment transaction from the contactless payment terminal, the visual indication of the default payment account and the visual indication of the first account were concurrently displayed, on the display;
wherein the request includes a request for payment account information using a first account type corresponding to the first account; and
wherein the first account is a payment account of the first account type; and
in response to receiving the request for account information and in accordance with the failure to determine that the current location is associated with an account other than the default payment account and in accordance with a subsequent determination that the current location is associated with the first account:
forgoing transmitting, via one or more wireless communication elements, account information for the default payment account to the contactless payment terminal; and
transmitting, via the one or more wireless communication elements,

Assignees

• Apple Inc

Inventors

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

Classifications

• G07F17/0035

  Participation in a loyalty or discount scheme (data processing for shopping and discounts G06Q30/00) · CPC title

• G06Q20/36

  using electronic wallets or electronic money safes · CPC title

• G06Q20/3278

  RFID or NFC payments by means of M-devices · CPC title

• G06Q20/227 Primary

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

• G06Q20/10 Primary

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title