US 2017/0286938 A1 · USER DEVICE ENABLING ACCESS TO PAYMENT INFORMATION IN RESPONSE TO MECHANICAL INPUT DETECTION

Abstract

In certain embodiments, an electronic device can include a secure element that detects a mechanical input. The mechanical input can correspond to an instruction to transmit securely stored payment information to another device and/or to release such information to an application on the device (e.g., for use in an in-app commerce transaction). This feature can inhibit or prevent unauthorized transmission of payment information. When the mechanical input is detected, payment information can be transmitted to a point of sale (POS) terminal (e.g., via near-field communication) or released to an app on the device. Further, a user can either use default payment information or interact with the device (before or after providing the mechanical input) to select appropriate payment information for a transaction. For example, the user can select between credit cards, debit cards and/or stored-value cards (e.g., transit card).

Claims20

Dependent claims

A computer-implemented method comprising:

securely storing, at an electronic device, payment information associated with a payment account;
detecting, at the electronic device, a payment operation associated with a commerce application program;
in response to the detected payment operation, determining that a mechanical input corresponding to an authorization of a payment transaction has not been locally received at the electronic device within a time period;
presenting, in response to the determination, a stimulus indicating that the mechanical input corresponding to an authorization of a payment transaction has not been locally received;
detecting subsequent to the stimulus presentation a mechanical authorization input, the mechanical authorization input corresponding to an authorization of a payment transaction;
enabling, in response to detecting the mechanical authorization input, the payment information to be retrieved;
and
releasing the payment information to the commerce application program.

5 more elements

An electronic device comprising:

a user interface component configured to output stimuli and receive inputs;
one or more processors coupled to the user interface component;
and
a computer-readable storage medium containing instructions, that, when executed by the one or more processors, cause the one or more processors to perform actions including:
securely storing, at the electronic device, payment information associated with a payment account;
detecting that a commerce application program is executing at the electronic device and that a payment operation has occurred in association with the execution of the commerce application program;
in response to the detection, determining that a non-virtual input of one or more particular input types and corresponding to an authorization of a payment transaction has not been locally received at the electronic device within a time period;
presenting, in response to the determination, a stimulus via the user interface component;
detecting, subsequent to the stimulus presentation, a non-virtual authorization input, the non-virtual authorization input corresponding to an authorization of a payment transaction, and the non-virtual authorization input being of a type of the one or more particular input types;
retrieving, in response to detecting the non-virtual authorization input, the payment information;
and
releasing the payment information to the commerce application program.

9 more elements

A computer-program product tangibly embodied in a non-transitory machine-readable storage medium, including instructions configured to cause one or more data processors to perform actions including:

securely storing, at an electronic device, payment information associated with a payment account;
detecting, at the electronic device, a payment operation associated with a commerce application program;
in response to the detected payment operation:
determining whether a mechanical input corresponding to an authorization of a payment transaction has been locally received at the electronic device within a predefined time period;
when the mechanical input corresponding to an authorization of a payment transaction has not been locally received at the electronic device within the predefined time period:
presenting a stimulus indicating that the mechanical input corresponding to an authorization of a payment transaction has not been locally received;
and
when the mechanical input corresponding to an authorization of a payment transaction has been locally received at the electronic device within the predefined time period:
enabling the payment information to be retrieved;
and
releasing the payment information to the commerce application program.

8 more elements

Dependencies are inferred from the claim text.

User device enabling access to payment information in response to mechanical input detection

Life of this patent

User device enabling access to payment information in response to mechanical input detection

Life of this patent

Abstract

Claims20