US 12,321,916 B2
Recommendation of payment credential to be used based on merchant information
Michael Giles, San Jose, CA (US); Craig P. Dooley, Cupertino, CA (US); Anjali S. Sandesara, Cupertino, CA (US); and Abuzar Amini, San Jose, CA (US)
Assigned to Apple Inc., Cupertino, CA (US)
Filed by APPLE INC., Cupertino, CA (US)
Filed on Sep. 30, 2015, as Appl. No. 14/870,837.
Claims priority of provisional application 62/058,098, filed on Sep. 30, 2014.
Prior Publication US 2016/0092858 A1, Mar. 31, 2016
Int. Cl. G06Q 20/22 (2012.01); G06Q 20/32 (2012.01); G06Q 20/38 (2012.01); G06Q 30/0207 (2023.01)
CPC G06Q 20/227 (2013.01) [G06Q 20/3224 (2013.01); G06Q 20/3227 (2013.01); G06Q 20/3265 (2020.05); G06Q 20/327 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/382 (2013.01); G06Q 30/0207 (2013.01)] 21 Claims
OG exemplary drawing
 
1. A method comprising:
at an electronic device comprising a memory, a separate secure element that comprises at least one payment credential, a communication component, and a near-field communication antenna:
accessing credential availability data indicative of the at least one payment credential;
receiving, responsive to the electronic device being located within a particular distance of a beacon device associated with a merchant subsystem and via a broadcast message from the beacon device associated with the merchant subsystem, merchant context data associated with the merchant subsystem, wherein the merchant context data is indicative of a merchant subsystem preference that the merchant subsystem has for a first type of payment credential accepted by the merchant subsystem over a second type of payment credential accepted by the merchant subsystem, the broadcast message being received via the communication component;
automatically switching, at the electronic device, a default payment credential stored for transactions with a wireless terminal of the merchant subsystem to be the first or second type of payment credential based at least in part on the accessed credential availability data and the received merchant context data;
presenting the default payment credential as a recommended payment credential for a transaction with the wireless terminal of the merchant subsystem;
receiving, at the electronic device and responsive to presenting the default payment credential as the recommended payment credential for the transaction, a user selection of the presented default payment credential;
in response to receiving the user selection, sending, using the secure element and by the near-field communication antenna, the default payment credential to the merchant subsystem; and
storing the default payment credential in the secure element.