Apple Inc.

Glen W Steele

George R Dicker

Marcel Van Os

Peter D Anton

Donald Walter Pitschel

David T Haggerty

Lawrence Yuan Yang

Mischa K McLachlan

Eliza Carey Block

Ashish C Nagre

Jarad M Fisher

Christopher Brooke Sharp

Gregg S Suzuki

Aaron M Melim

Richard W Heard

Christopher D Adams

Yousuf H Vaid

Akila Suresh

Christine A Franco

Michael Artemiw

Chanaka G Karunamuni

Scott M Herz

Pablo F Caro

Ahmer Ali Khan

Ken Ferry

Fadi S Obeid

Peter Allan Laurens

Rima Kakarla

Katie M McIndoe

Alan C Dye

Oluwatomiwa B Alabi

Jae Woo Chang

Cas G Lemmens

Jeremy Brown

Danvin Ruangchan

Charles T Ahn

Benjamin D Chester

Jeff W Lin

Vineet Chadha

Matthew R Murphy

Nicholas V King

Craig Michael Federighi

Camille Moussette

Christopher G Wilson

Simon Tickner

Pedro Mari

Lee S Broughton

Teofila Connor

Allison W Dryer

Jean-Pierre M Mouilleseaux

Timothy S Hurley

Zachary A Rosen

Morgan J Grainger

Corey G Fugman

Jared A Crawford

Pritesh Mukeshbhai Dave

Shawn T Webster

Katherine B Skinner

Scott D Blakesley

Joshua G Olson

Mischa Mclachlan

Jack K Chung

Chrispher D Adams

In some implementations, documents can be presented on a display of a computing device based on a context of the computing device. The context can include a current time and/or current location associated with the computing device. The documents can be presented based on a time and/or location associated with the documents. Documents can be downloaded and shared between devices. Documents can be dynamically updated based on document vendor provided information and/or other network based resources. In some implementations, the various graphical interfaces described herein provide access to a variety of document types in an organized and efficient manner.

Intelligent presentation of documents

The present disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using an 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.

User interface for loyalty accounts and private label accounts

The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health—at least as it pertains to a credit account for which the statement was issued.

Payment milestones for improved financial health

In some examples, an account is provisioned onto an electronic device. In some examples, the device receives a value to fund the account provisioned on the electronic device. In some examples, the electronic device transacts with a contactless transaction terminal using the provisioned account and displays an indication of the transaction. In some examples, the electronic device transmits information corresponding to the provisioned account without checking for authentication. In some examples, the device receives user input initiating a process for moving the account from a first device to a second device. In some examples, the device receives account payment credentials from a second device when a set of payment criteria are met.

User interfaces for stored-value accounts

To facilitate conducting a financial transaction via wireless communication between an electronic device and another electronic device, the electronic device determines a unique transaction identifier for the financial transaction based on financial-account information communicated to the other electronic device. The financial-account information specifies a financial account that is used to pay for the financial transaction. Moreover, the unique transaction identifier may be capable of being independently computed by one or more other entities associated with the financial transaction (such as a counterparty in the financial transaction or a payment network that processes payment for the financial transaction) based on the financial-account information communicated by the portable electronic device. The electronic device may also associate receipt information, which is subsequently received from a third party (such as the payment network), with the financial transaction by comparing the determined unique transaction identifier to the computed unique transaction identifier.

Generating transaction identifiers

A system for provisioning credentials onto an electronic device is provided. The system may include a payment network subsystem, a service provider subsystem, a primary user device, and a secondary user device. The user may select a particular payment card to provision onto the secondary user device by providing an input at the primary user device. A broker module running on the service provider subsystem may then transfer a disabled pass to the secondary user device. Concurrently, the payment network subsystem may direct a trusted service manager module on the service provider subsystem to write credential information onto a secure element within the secondary user device. Once the secure element has been updated, the broker module may provide an activated pass to the secondary user device so that the secondary user device can be used to perform NFC-based financial transactions at a merchant terminal.

Apparatuses and methods for using a primary user device to provision credentials onto a secondary user device

The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health&#x2014;at least as it pertains to a credit account for which the statement was issued.

The present disclosure generally relates to user interfaces for managing peer-to-peer transfers. In some examples, a device provides user interfaces for initiating and managing transfers. In some examples, a device provides user interfaces corresponding to completed transfers. In some examples, a device provides user interfaces for providing visually distinguishable message object appearances based on message designation. In some examples, a device provides user interfaces for activating accounts for accepting and sending transfers. In some examples, a device provides user interfaces for exchanging accounts for use in a transfer. In some examples, a device provides user interfaces for splitting transfers between two or more accounts. In some examples, a device provides user interfaces for generating and displaying a transfers history list. In some examples, a device provides user interfaces for voice-activation of transfers. In some examples, a device provides visual or haptic feedback corresponding to a transfer operation.

User interfaces for peer-to-peer transfers

In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.

User interfaces for managing an account

Systems, methods, and computer-readable media for using an online resource to manage credentials on an electronic device are provided. In one example embodiment, a method, at an electronic device, includes, inter alia, receiving account data via an online resource, accessing commerce credential status data from a secure element of the electronic device, providing initial credential management option data via the online resource based on the received account data and based on the accessed commerce credential status data, in response to the providing, receiving a selection of an initial credential management option via the online resource, and changing the status of a credential on the secure element based on the received selection. Additional embodiments are also provided.

Management of credentials on an electronic device using an online resource

Growing community of inventors

San Jose, CA, United States of America

Glen W Steele