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

Patent metadata

Field	Value
Publication number	US-2016358134-A1
Application number	US-201514870726-A
Country	US
Kind code	A1
Filing date	Sep 30, 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

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 an electronic device with a display and one or more wireless communication elements, the one or more programs including instructions for:
receiving an input requesting to enable the device for a payment transaction; in response to receiving the input, displaying, on the display, a payment indication that represents a plurality of payment accounts including a first payment account and a second payment account; receiving, via the one or more wireless communication elements, a request for account information corresponding to the payment transaction; in response to receiving the request for account information corresponding to the payment transaction:
in accordance with a determination that payment criteria for the first payment account have been met, transmitting, via the one or more wireless communication elements, account information for the first payment account without transmitting account information for the second payment account; and
in accordance with a determination that payment criteria for the second payment account have been met, transmitting, via the one or more wireless communication elements, account information for the second payment account without transmitting account information for the first payment account.

2 . The non-transitory computer-readable storage medium of claim 1 , wherein the electronic device is configured to enable payment using one of a default payment account and a plurality of non-default payment accounts and further including instructions for:
in accordance with a determination that payment criteria have not been met for any of the non-default payment accounts, transmitting, via the one or more wireless communication elements, account information for the default payment account without transmitting account information for the non-default payment accounts.

3 . The non-transitory computer-readable storage medium of claim 1 , wherein the payment criteria includes a criterion based on a determination associated with a current location of the electronic device.

4 . The non-transitory computer-readable storage medium of claim 1 , wherein the payment criteria includes a criterion based on the request for account information corresponding to the payment transaction.

5 . The non-transitory computer-readable storage medium of claim 1 , wherein the payment indication that represents the plurality of payment accounts does not include an indication of the first payment account and does not include an indication of the second payment account.

6 . The non-transitory computer-readable storage medium of claim 1 , wherein the plurality of payment accounts only include payment accounts for which the electronic device has received user input activating selection based on location without requiring user input.

7 . The non-transitory computer-readable storage medium of claim 1 , wherein the plurality of payment accounts only include payment accounts for which a financial institution associated with the payment account has authorized the respective payment account for selection based on location without requiring user input.

8 . The non-transitory computer-readable storage medium of claim 1 , wherein a contextual-selection mode of operation in which the device selects, based on context, which of the plurality of payment accounts to use for a payment transaction is represented as a selectable payment option.

9 . The non-transitory computer-readable storage medium of claim 1 , wherein the electronic device includes a touch-sensitive surface and further including instructions for:
receiving one or more inputs in a first direction; in response to receiving the one or more inputs:
replacing, on the display, the payment indication that represents the plurality of payment accounts with a second visual indicator different from the payment indication that represents the plurality of payment accounts, wherein the second visual indicator identifies a third payment account different from the first payment account and the second payment account; and
enabling the electronic device to participate in a transaction using the third payment account via the one or more wireless communication elements.

10 . The non-transitory computer-readable storage medium of claim 1 , wherein the payment indication that represents the plurality of payment accounts is different from visual indicators of individual payment accounts of the plurality of payment accounts.

11 . A method, comprising:
at an electronic device with a display and one or more wireless communication elements:
receiving an input requesting to enable the device for a payment transaction;
in response to receiving the input, displaying, on the display, a payment indication that represents a plurality of payment accounts including a first payment account and a second payment account;
receiving, via the one or more wireless communication elements, a request for account information corresponding to the payment transaction;
in response to receiving the request for account information corresponding to the payment transaction:
in accordance with a determination that payment criteria for the first payment account have been met, transmitting, via the one or more wireless communication elements, account information for the first payment account without transmitting account information for the second payment account; and
in accordance with a determination that payment criteria for the second payment account have been met, transmitting, via the one or more wireless communication elements, account information for the second payment account without transmitting account information for the first payment account.

12 . An electronic device comprising:
a display; one or more wireless communication elements; one or more processors; and memory storing one or more programs, the one or more programs including instructions which, when executed by the one or more processors, cause the electronic device to:
receive an input requesting to enable the device for a payment transaction;
in response to receiving the input, display, on the display, a payment indication that represents a plurality of payment accounts including a first payment account and a second payment account;
receive, via the one or more wireless communication elements, a request for account information corresponding to the payment transaction;
in response to receiving the request for account information corresponding to the payment transaction:
in accordance with a determination that payment criteria for the first payment account have been met, transmit, via the one or more wireless communication elements, account information for the first payment account without transmitting account information for the second payment account; and

in accordance with a determination that payment criteria for the second payment account have been met, transmit, via the one or more wireless communication elements, account information for the second payment account without transmitting account information for the first payment account.

Assignees

• Apple Inc

Inventors

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

Classifications

• G06Q20/322

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

• G06Q20/20

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

• G06Q20/227 Primary

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

• G06Q20/3278

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

• G06Q20/363

  with the personal data of a user · CPC title