US 12,073,377 B2
Facilitating payments using wearable devices
Joel P. Yarbrough, Oakland, CA (US); Richard Joseph Mercille, San Jose, CA (US); William RaDue Clarke, San Jose, CA (US); Priyadarshini Rajendran, Los Altos, CA (US); George Michael Kurtyka, San Francsico, CA (US); and Valerie Chun, Palo Alto, CA (US)
Assigned to PAYPAL, INC., San Jose, CA (US)
Filed by PAYPAL, INC., San Jose, CA (US)
Filed on Dec. 31, 2020, as Appl. No. 17/139,502.
Application 17/139,502 is a continuation of application No. 14/586,932, filed on Dec. 30, 2014, granted, now 10,885,510.
Claims priority of provisional application 61/943,268, filed on Feb. 21, 2014.
Claims priority of provisional application 61/978,695, filed on Apr. 11, 2014.
Prior Publication US 2021/0125168 A1, Apr. 29, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/327 (2013.01) [G06Q 20/322 (2013.01); G06Q 20/40 (2013.01); G06Q 20/40145 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computing device comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the computing device to perform operations comprising:
detecting, via a software application running on the computing device of a user, that a wearable device is communicatively coupled with the computing device via a short range wireless communication protocol;
determining, for the wearable device, a subset of account activities available for a user account associated with the user of the computing device, wherein the subset of account activities are determined based on a risk level of the account activities when being executed on the wearable device for data processing using the user account with a point-of-sale (POS) device;
establishing a session that links the wearable device with the computing device;
activating, during the session via the short range wireless communication protocol, functionalities for the data processing on the wearable device, wherein the functionalities are activated in an application running on the wearable device that is associated with the user account, and wherein the functionalities are activated in the application based on one or more authentication credentials received by the computing device;
establishing, in the application, a first limitation on the functionalities for the data processing requested via the wearable device based on the subset of account activities, wherein the establishing causes certain ones of the functionalities to be prevented from being used in the application for the data processing;
causing to be displayed, in a first interface of the wearable device, an option for commands associated with processing electronic transactions using available ones of the functionalities, wherein the first interface comprises one of a plurality of interfaces displayable on the wearable device;
authenticating the user at the wearable device using a biometric sensor of the wearable device;
based on the first limitation, configuring the available ones of the functionalities of the wearable device for the data processing with the POS device;
receiving, at a time after the configuring and via a command at the wearable device via the first interface of the wearable device, a request to process a first electronic transaction with the POS device using one of the available ones of the functionalities of the wearable device, wherein the request includes a biometric captured by the biometric sensor at the time after the configuring;
determining a confidence level that the user inputted the command on the wearable device based on the biometric captured;
processing the first electronic transaction with the POS device via the wearable device using the user account based on the one or more authentication credentials received by the computing device;
causing the first interface of the wearable device to be transitioned to a second interface of the plurality of interfaces, wherein the second interface comprises a notification indicating the processing of the first electronic transaction with the POS device via the wearable device; and
extending the session with the wearable device based on the biometric captured and the confidence level, wherein the extending enables the available ones of the functionalities to be utilized in the application based on the first limitation on the functionalities.