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

US9400977B2 · kind B2 · utility

Assignee

• Apple Inc. · US

Inventors

• Jeremy Brown · San Francisco, US
• Zachary A. Rosen · Cupertino, US
• Morgan Grainger · Sunnyvale, US

Key dates

• Filing date: Sep 2, 2014
• Grant date: Jul 26, 2016
• Expiry date: Sep 2, 2034

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04L9/50
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

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).