Facilitating transactions with a user account using a wireless device

Patent metadata

Field	Value
Publication number	US-2016379205-A1
Application number	US-201414775349-A
Country	US
Kind code	A1
Filing date	Mar 14, 2014
Priority date	Mar 15, 2013
Publication date	Dec 29, 2016
Grant date	—

Abstract

A wireless device can store account identifiers and facilitate transactions. The wireless device can be loaded with user account identifiers and can be presented to various checkpoint devices. When presented, the wireless device can transmit a selected account identifier to the checkpoint device. In the context of a purchase transaction, the checkpoint device can be a point-of-sale terminal and the account data can be financial account data. In some instances, the wireless device can also facilitate a purchase transaction, e.g., by obtaining information about products to be purchased, constructing a purchase order from the product information, and transmitting the purchase order to a point-of-sale terminal.

First claim

1 .- 21 . (canceled)

22 . A method of managing user account data, the method comprising:
establishing, by a wearable device, a verified communication session with a host device, the verified communication session being established while the wearable device is being worn; receiving, by the wearable device, user account data from the host device during the verified communication session; storing, by the wearable device, the received user account data in a storage medium of the wearable device; providing a subset of the received user account data to a checkpoint terminal; and in the event that the wearable device ceases to be worn, deleting, by the wearable device, the stored user account data from the storage medium.

23 . The method of claim 22 wherein the user account data comprises identifying information for a financial account of the user.

24 . The method of claim 23 wherein the identifying information is sufficient to perform a financial transaction using the financial account of the user.

25 . The method of claim 22 wherein establishing the verified communication session comprises establishing a session key and wherein the user account data is received in an encrypted form, the method further comprising:
decrypting the received user account data using the session key.

26 . The method of claim 22 further comprising:
subsequently to storing the received user account data, receiving, by the wearable device, a request from the checkpoint terminal for account data; and
selecting the subset of the stored account data to be transmitted to the checkpoint terminal based at least in part on the request.

27 . The method of claim 26 wherein the checkpoint terminal comprises a point-of-sale terminal and the account data comprises account identifying information that is usable by the point-of-sale terminal to perform a purchase transaction with a payment processor.

28 . The method of claim 26 wherein the checkpoint terminal comprises at a security barrier and the account data comprises an authorization credential of the user.

29 . The method of claim 26 wherein the wearable device transmits account data to the checkpoint terminal using a near-field communication channel.

30 . The method of claim 22 further comprising:
subsequently to storing the received user account data, receiving, by the wearable device, a user selection of an account for which account data is to be sent to the checkpoint terminal; and
selecting the subset of the stored account data to be transmitted to the checkpoint terminal based at least in part on the user selection.

31 . The method of claim 22 further comprising:
receiving, by the wearable device, a user request to load account data onto the wearable device; and
transmitting, by the wearable device, a request for user account data to the host device in response to the user request, wherein the wearable device transmits the request during the verified communication session.

32 . A wearable device comprising:
a communication interface; a storage medium; a sensor to detect whether the wearable device is being worn; and a processor coupled to the communication interface, the storage medium, and the sensor, the processor configured to:
establish a verified communication session with a host device, the verified communication session being established while the wearable device is being worn;
receive user account data from the host device during the verified communication session;
store the received user account data in the storage medium;
provide a subset of the received user account data to a checkpoint terminal; and
delete the stored user account data from the storage medium in the event that the wearable device ceases to be worn.

33 . The wearable device of claim 32 wherein the user account data comprises identifying information for a financial account of the user and the identifying information is sufficient to perform a financial transaction using the financial account of the user.

34 . The wearable device of claim 32 wherein the processor is further configured to:
receive a request from the checkpoint terminal for account data; and
select the subset of the stored account data to be transmitted to the checkpoint terminal based at least in part on the request.

35 . The wearable device of claim 34 wherein the checkpoint terminal comprises a point-of-sale terminal and the account data comprises account identifying information that is usable by the point-of-sale terminal to perform a purchase transaction with a payment processor.

36 . The wearable device of claim 34 wherein the checkpoint terminal is at a security barrier and the account data comprises an authorization credential of the user.

37 . The wearable device of claim 34 wherein the communication interface comprises a near-field communication interface and the account data is sent to the checkpoint via using a near-field communication interface.

38 . The wearable device of claim 32 further comprising a user interface, wherein the processor is further configured to select the subset of the stored account data to be transmitted to the checkpoint terminal based at least in part on user input received at the user interface.

39 . A computer-readable storage medium having stored thereon program instructions that, when executed by a processor in a wearable device, cause the wearable device to execute a method comprising:
establishing a verified communication session with a host device, the verified communication session being established while the wearable device is being worn; receiving user account data from the host device during the verified communication session; storing the received user account data in a storage medium of the wearable device; providing a subset of the received user account data to a checkpoint terminal; and in the event that the wearable device ceases to be worn, deleting the stored user account data from the storage medium.

40 . The computer-readable storage medium of claim 39 wherein the user account data comprises identifying information for a financial account of the user and the identifying information is sufficient to perform a financial transaction using the financial account of the user.

41 . The computer-readable storage medium of claim 39 wherein establishing the verified communication session comprises establishing a session key and wherein the user account data is received in an encrypted form, the method further comprising:
decrypting the received user account data using the session key.

42 . The computer-readable storage medium of claim 39 wherein the method further comprises:
subsequently to storing the received user account data, receiving a request from the checkpoint terminal for account data; and
selecting the subset of the stored account data to be transmitted to the checkpoint terminal based at least in part on the request.

43 . The computer-readable storage medium of claim 42 wherein the checkpoint terminal comprises a point-of-sale terminal and the account data comprises account identifying information that is usable by the point-of-sale terminal to perform a purchase transaction with a payment processor.

44 . The computer-readable storage medium of claim 39 wherein the method further comprises:
subsequently to storing the received user account data, receiving a user selection of an account for which account data is to be sent to the

Assignees

• Apple Inc
• Apple Inc

Inventors

• Margadoudakis Zachary

Classifications

• G06Q30/0601

  Electronic shopping [e-shopping] · CPC title

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title

• G06Q20/352

  Contactless payments by cards · CPC title

• G06Q20/20

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

• G06Q20/102

  Bill distribution or payments · CPC title