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

摘要

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).

主权项

1. A computer-implemented method comprising:
securely storing, at an electronic device, payment information associated with a payment account; detecting a proximate point-of-sale (POS) terminal; in response to detecting the proximate POS terminal, determining that a mechanical input authorizing a payment transaction has not been locally received at the electronic device within a time period; in response to the determination, presenting a stimulus indicating that the mechanical input has not been locally received; detecting subsequent to the stimulus presentation, at the electronic device, a mechanical input; in response to detecting the mechanical input, enabling, at the electronic device, the payment information to be retrieved from the secure element and accessed; and transmitting, from the electronic device, a communication including the payment information to the POS terminal.