User interface for stored value account

Abstract

To provide an electronic device with a faster, more efficient method and interface for managing accounts and transactions.SOLUTION: An electronic device for provisioning accounts, is configured to: receive value to deposit into a provisioned account on the electronic device; use the provisioned account to transact with a contactless transaction terminal; display indications of the transaction; transmit information corresponding to the provisioned account without checking authentication; receive a user input that initiates a process to transfer the account from a first device to a second device; and receive an account payment authentication information from the second device when a set of payment criteria is satisfied.SELECTED DRAWING: Figure 20A

Description

[Technical Field]

[0001] [CROSS-REFERENCE TO RELATED APPLICATIONS] This application claims priority to U.S. Provisional Patent Application No. 62 / 384,043, filed September 6, 2016, entitled "USER INTERFACES FOR STORED-VALUE ACCOUNTS," which is incorporated herein by reference in its entirety for all purposes.

[0002] This application is related to U.S. Provisional Patent Application No. 61 / 912,727, filed December 6, 2013, entitled "PROVISIONING AND AUTHENTICATING CREDENTIALS ON AN ELECTRONIC DEVICE," and U.S. Provisional Patent Application No. 62 / 004,837, filed May 29, 2014, entitled "METHODS FOR MANAGING PAYMENT APPLETS ON A SECURE ELEMENT TO CONDUCT MOBILE PAYMENT TRANSACTIONS," the contents of which are incorporated herein by reference.

[0003] [Technical field] The present disclosure relates generally to computer user interfaces, and more particularly to techniques for managing transactions and accounts. [Background technology]

[0004] The use of electronic devices to manage transactions and accounts has increased significantly in recent years. Exemplary techniques for managing transactions include participating in the trading of information. Exemplary techniques for managing accounts include adding and removing accounts from smartphone devices. Summary of the Invention

[0005] However, some techniques for managing transactions and accounts using electronic devices are generally cumbersome and inadequate. For example, some existing techniques use complex and time-consuming user interfaces that may involve multiple key presses or keystrokes. In other examples, some existing techniques for participating in transactions require the user to provide input specifying an account, unlock the device, or provide authentication during the transaction. Existing techniques require more time than necessary, wasting the user's time and the device's power. This latter consideration is particularly important in battery-operated devices.

[0006] The present technology thus provides electronic devices with faster, more efficient methods and interfaces for managing accounts and transactions. Such methods and interfaces optionally complement or replace other methods of managing accounts and transactions. Such methods and interfaces reduce cognitive burden on users and create a more efficient human-machine interface. For battery-operated devices, such methods and interfaces conserve power and increase the time between charges. Furthermore, such methods and interfaces reduce the number of inputs required in electronic devices such as smartphones and smartwatches.

[0007] According to some embodiments, a method is described that is executed in an electronic device having one or more input devices and one or more short-range communications radios. The method includes receiving, by the one or more short-range communications radios, a card account number of a card having stored value, requesting verification information to verify ownership of the card, receiving input from a user of the electronic device via the one or more input devices including the verification information to verify ownership of the card, verifying ownership of the card by comparing the verification information with separate information about the card that is received separately from the verification information, generating a prompt to perform a transfer value operation to transfer the value in accordance with a determination that the ownership verification is successful, and transferring at least some of the stored value from the card to a virtual card stored in the electronic device along with the transfer value operation.

[0008] According to some embodiments, a non-transitory computer-readable storage medium is described. The non-transitory computer-readable storage medium stores one or more programs configured to be executed by one or more processors of an electronic device having one or more input devices and one or more short-range communications radios, the one or more programs including instructions to receive, via the one or more short-range communications radios, a card account number for a card having stored value, request verification information to verify ownership of the card, receive input from a user of the electronic device via the one or more input devices including the verification information to verify ownership of the card, verify ownership of the card by comparing the verification information with separate information about the card received separately from the verification information, generate a prompt to perform a transfer value operation to transfer the value in accordance with a determination that the ownership verification is successful, and transfer at least some of the stored value from the card to a virtual card stored in the electronic device along with the transfer value operation.

[0009] According to some embodiments, a temporary computer-readable storage medium is described. The temporary computer-readable storage medium stores one or more programs configured to be executed by one or more processors of an electronic device having one or more input devices and one or more short-range communications radios, the one or more programs including instructions to receive, via the one or more short-range communications radios, a card account number for a card having stored value, request verification information to verify ownership of the card, receive input from a user of the electronic device via the one or more input devices including the verification information to verify ownership of the card, verify ownership of the card by comparing the verification information with separate information about the card received separately from the verification information, generate a prompt to perform a value transfer operation to transfer the value in accordance with a determination that the ownership verification is successful, and transfer at least some of the stored value from the card to a virtual card stored on the electronic device along with the value transfer operation.

[0010] According to some embodiments, an electronic device is described, the electronic device comprising: one or more input devices, one or more short-range communications radios, one or more processors, and a memory storing one or more programs configured to be executed by the one or more processors, the one or more programs including instructions to: receive, via the one or more short-range communications radios, a card account number for a card having value stored thereon; request verification information to verify ownership of the card; receive, via the one or more input devices, input from a user of the electronic device including the verification information to verify ownership of the card; verify ownership of the card by comparing the verification information with separate information about the card received separately from the verification information; pursuant to a determination that the ownership verification is successful, generate a prompt to perform a transfer value operation to transfer the value; and transfer at least some of the stored value from the card to a virtual card stored in the electronic device along with the transfer value operation.

[0011] According to some embodiments, an electronic device is described that includes one or more input devices, one or more short-range communications radios, means for receiving, via the one or more short-range communications radios, a card account number for a card having stored value, means for requesting verification information for verifying ownership of the card, means for receiving, via the one or more input devices, input from a user of the electronic device including the verification information for verifying ownership of the card, means for verifying ownership of the card by comparing the verification information with separate information about the card that is received separately from the verification information, and means for generating, in accordance with a determination that the ownership verification is successful, a prompt for performing a transfer value operation for transferring value, and transferring at least some of the stored value from the card to a virtual card stored in the electronic device along with the transfer value operation.

[0012] According to some embodiments, a method is described that is executed on an electronic device having a display, one or more input devices, and one or more short-range communication radios. The method includes requesting verification information to verify ownership of a stored value card, the stored value card having stored value, receiving input from a user of the electronic device via the one or more input devices including verification information to verify ownership of the card, the verification information including information not shown on the card, displaying a prompt on a display of the electronic device to place the electronic device within communication range of the stored value card, receiving identification information from the stored value card via the one or more short-range communication radios, verifying ownership of the stored value card by comparing the verification information to the identification information, and, pursuant to a determination that the ownership verification is successful, transferring at least some of the stored value from the stored value card to a virtual card stored on the electronic device.

[0013] According to some embodiments, a non-transitory computer-readable storage medium is described, wherein the non-transitory computer-readable storage medium stores one or more programs configured to be executed by one or more processors of an electronic device having a display, one or more short-range communications radios, and one or more input devices, the one or more programs including instructions for receiving input from a user of the electronic device including a stored value card, the stored value card having stored value, requesting verification information for verifying ownership of the stored value card via the one or more input devices, the verification information for verifying ownership of the card, the verification information including information not shown on the card, displaying a prompt on a display of the electronic device to place the electronic device within communication range of the stored value card, receiving identification information from the stored value card via the one or more short-range communications radios, verifying ownership of the stored value card by comparing the verification information to the identification information, and, pursuant to a determination that the ownership verification is successful, transferring at least some of the stored value from the stored value card to a virtual card stored on the electronic device.

[0014] According to some embodiments, a temporary computer-readable storage medium is described. The temporary computer-readable storage medium stores one or more programs configured to be executed by one or more processors of an electronic device having a display, one or more short-range communications radios, and one or more input devices, the one or more programs including instructions for requesting verification information to verify ownership of a stored-value card, the stored-value card having stored value, receiving input from a user of the electronic device via the one or more input devices including the verification information to verify ownership of the card, the verification information including information not shown on the card, displaying a prompt on a display of the electronic device to place the electronic device within communication range of the stored-value card, receiving, via the one or more short-range communications radios, identification information from the stored-value card, verifying ownership of the stored-value card by comparing the verification information to the identification information, and, pursuant to a determination that the ownership verification is successful, transferring at least some of the stored value from the stored-value card to a virtual card stored on the electronic device.

[0015] According to some embodiments, an electronic device is described, the electronic device comprising: a display, one or more short-range communications radios, one or more input devices, one or more processors, and a memory storing one or more programs configured to be executed by the one or more processors, the one or more programs including instructions to: request verification information for verifying ownership of a stored value card, the stored value card having stored value; receive input from a user of the electronic device via the one or more input devices, the verification information for verifying ownership of the card, the verification information including information not shown on the card; display on a display of the electronic device a prompt to place the electronic device within communication range of the stored value card; receive, via the one or more short-range communications radios, identification information from the stored value card; verify ownership of the stored value card by comparing the verification information to the identification information; and, pursuant to a determination that the ownership verification is successful, transfer at least some of the stored value from the stored value card to a virtual card stored on the electronic device.

[0016] According to some embodiments, an electronic device is described that includes a display, one or more short-range communication radios, one or more input devices, means for requesting verification information to verify ownership of a stored value card, the stored value card having stored value, means for receiving input from a user of the electronic device via the one or more input devices, the input including verification information to verify ownership of the card, the verification information including information not shown on the card, means for displaying a prompt on a display of the electronic device to place the electronic device within communication range of the stored value card, means for receiving identification information from the stored value card via the one or more short-range communication radios, means for verifying ownership of the stored value card by comparing the verification information to the identification information, and means for transferring at least some of the stored value from the stored value card to a virtual card stored on the electronic device pursuant to a determination that the ownership verification is successful.

[0017] According to some embodiments, a method is described that is executed on an electronic device having a display and one or more input devices. The method includes: displaying on the display a representation of a stored-value account including an activatable add-value option, the electronic device having an electronic wallet application including the stored-value account and a payment account; detecting activation of the add-value option via the one or more input devices while displaying the representation of the stored-value account; detecting activation of a fund-account option via the one or more input devices for adding value to the stored-value account using the payment account of the electronic wallet application; receiving authentication information at the electronic device while displaying a proposed transaction for adding assets from the payment account to the stored-value account; and adding value to the stored-value account using the payment account in response to receiving the authentication information and in accordance with a determination that the authentication information matches registered authentication information for performing a payment transaction using the payment account.

[0018] According to some embodiments, a non-transitory computer-readable storage medium is described. The non-transitory computer-readable storage medium stores one or more programs configured to be executed by one or more processors of an electronic device having a display and one or more input devices, the one or more programs including instructions for: displaying on the display a representation of a stored-value account with an activatable add-value option, the electronic device having an electronic wallet application including the stored-value account and a payment account; detecting, via the one or more input devices, activation of the add-value option while displaying the representation of the stored-value account; detecting, via the one or more input devices, activation of a fund-account option for adding value to the stored-value account using the payment account of the electronic wallet application; receiving authentication information at the electronic device while displaying a proposed transaction for adding assets from the payment account to the stored-value account; and, in response to receiving the authentication information and in accordance with a determination that the authentication information matches registered authentication information for performing a payment transaction using the payment account, adding value to the stored-value account using the payment account.

[0019] According to some embodiments, a temporary computer-readable storage medium is described that stores one or more programs configured to be executed by one or more processors of an electronic device having a display and one or more input devices, the one or more programs including instructions for: displaying on the display a representation of a stored-value account including an activatable add-value option, the electronic device having an electronic wallet application including the stored-value account and a payment account; detecting, while displaying the representation of the stored-value account, activation of the add-value option via the one or more input devices; detecting, while displaying a proposed transaction to add assets from the payment account to the stored-value account; receiving authentication information at the electronic device; and, in response to receiving the authentication information and in accordance with a determination that the authentication information matches registered authentication information for performing a payment transaction using the payment account, adding value to the stored-value account using the payment account.

[0020] According to some embodiments, an electronic device is described, the electronic device comprising: a display; one or more input devices; one or more processors; and a memory storing one or more programs configured to be executed by the one or more processors, the one or more programs displaying on the display a representation of a stored-value account including an activatable add-value option, the electronic device having an electronic wallet application including the stored-value account and a payment account; detecting, while displaying the representation of the stored-value account, activation of the add-value option via the one or more input devices; detecting, while displaying a proposed transaction to add assets from the payment account to the stored-value account; receiving authentication information at the electronic device; and, in response to receiving the authentication information and in accordance with a determination that the authentication information matches registered authentication information for performing a payment transaction using the payment account, adding value to the stored-value account using the payment account.

[0021] According to some embodiments, an electronic device is described comprising: a display; one or more input devices; means for displaying on the display a representation of a stored-value account including an activatable add-value option, the electronic device having an electronic wallet application including a stored-value account and a payment account; means for detecting activation of the add-value option via the one or more input devices while displaying the representation of the stored-value account; means for detecting activation of a fund-account option via the one or more input devices for adding value to the stored-value account using the payment account of the electronic wallet application; means for receiving authentication information at the electronic device while displaying a proposed transaction for adding assets from the payment account to the stored-value account; and means for adding value to the stored-value account using the payment account in response to receiving the authentication information and in accordance with a determination that the authentication information matches registered authentication information for performing a payment transaction using the payment account.

[0022] According to some embodiments, a method is described that is executed on an electronic device having an electronic wallet application that includes a display, one or more short-range communications radios, and a stored-value account. The method includes displaying, on the display, an indication of available credit for the stored-value account, transferring authentication information for the stored-value account using the one or more short-range communications radios to a contactless transaction terminal separate from the electronic device, and, based on a transaction with the contactless transaction terminal performed using the authentication information for the stored-value account transferred to the contactless transaction terminal using the one or more short-range communications radios, replacing the display of the indication of available credit with a display of an indication of a transaction corresponding to the transfer of the authentication information to the contactless transaction terminal.

[0023] According to some embodiments, a non-transitory computer-readable storage medium is described. The non-transitory computer-readable storage medium stores one or more programs configured to be executed by one or more processors of an electronic device having an electronic wallet application including a display, one or more short-range communications radios, and a stored-value account, the one or more programs including instructions to display, on the display, an indication of available credit for the stored-value account, transfer, using the one or more short-range communications radios, authentication information for the stored-value account to a contactless transaction terminal separate from the electronic device, and, based on a transaction with the contactless transaction terminal performed using the authentication information for the stored-value account transferred to the contactless transaction terminal using the one or more short-range communications radios, replace the display of the indication of available credit with a display of an indication of a transaction corresponding to the transfer of the authentication information to the contactless transaction terminal.

[0024] According to some embodiments, a temporary computer-readable storage medium is described. The temporary computer-readable storage medium stores one or more programs configured to be executed by one or more processors of an electronic device having an electronic wallet application including a display, one or more short-range communications radios, and a stored-value account, the one or more programs including instructions to display, on the display, an indication of available credit for the stored-value account, transfer, using the one or more short-range communications radios, authentication information for the stored-value account to a contactless transaction terminal separate from the electronic device, and, based on a transaction with the contactless transaction terminal performed using the authentication information for the stored-value account transferred to the contactless transaction terminal using the one or more short-range communications radios, replace the display of the indication of available credit with a display of an indication of a transaction corresponding to the transfer of the authentication information to the contactless transaction terminal.

[0025] According to some embodiments, an electronic device is described that includes a display, one or more short-range communications radios, an electronic wallet application that includes a stored-value account, one or more processors, and a memory storing one or more programs configured to be executed by the one or more processors, the one or more programs including instructions to display on the display an indication of available credit for the stored-value account, transfer authentication information for the stored-value account using the one or more short-range communications radios to a contactless transaction terminal separate from the electronic device, and based on a transaction with the contactless transaction terminal performed using the stored-value account authentication information transferred to the contactless transaction terminal using the one or more short-range communications radios, replace the display of the indication of available credit with a display of an indication of a transaction corresponding to the transfer of the authentication information to the contactless transaction terminal.

[0026] According to some embodiments, an electronic device is described that includes a display, one or more short-range communications radios, an electronic wallet application including a stored-value account, means for displaying on the display an indication of available credit for the stored-value account, means for transferring authentication information for the stored-value account using the one or more short-range communications radios to a contactless transaction terminal separate from the electronic device, and means for replacing the display of the indication of available credit with a display of an indication of a transaction corresponding to the transfer of the authentication information to the contactless transaction terminal based on a transaction with the contactless transaction terminal performed using the authentication information for the stored-value account transferred to the contactless transaction terminal using the one or more short-range communications radios.

[0027] According to some embodiments, a method is described that is executed on an electronic device having one or more short-range communications radios and an account information application that includes a first account. The method includes detecting, by the one or more short-range communications radios, a wireless signal; in accordance with a determination that the wireless signal corresponds to a first type of request, transmitting information corresponding to the first account without checking authorization; and in accordance with a determination that the wireless signal corresponds to a second type of request, checking authorization before proceeding with a transaction corresponding to the wireless signal.

[0028] According to some embodiments, a non-transitory computer-readable storage medium is described, the non-transitory computer-readable storage medium storing one or more programs configured to be executed by one or more processors of an electronic device having one or more short-range communications radios and an account information application including a first account, the one or more programs including instructions to detect, by the one or more short-range communications radios, a wireless signal; in accordance with a determination that the wireless signal corresponds to a first type of request, transmit information corresponding to the first account without checking authentication; and in accordance with a determination that the wireless signal corresponds to a second type of request, check authentication before proceeding with a transaction corresponding to the wireless signal.

[0029] According to some embodiments, a temporary computer-readable storage medium is described, the temporary computer-readable storage medium storing one or more programs configured to be executed by one or more processors of an electronic device having one or more short-range communications radios and an account information application including a first account, the one or more programs including instructions to detect, by the one or more short-range communications radios, a wireless signal; in accordance with a determination that the wireless signal corresponds to a first type of request, transmit information corresponding to the first account without checking authentication; and in accordance with a determination that the wireless signal corresponds to a second type of request, check authentication before proceeding with a transaction corresponding to the wireless signal.

[0030] According to some embodiments, an electronic device is described that includes one or more short-range communications radios, an account information application that includes a first account, one or more processors, and a memory storing one or more programs configured to be executed by the one or more processors, the one or more programs including instructions to: detect, by the one or more short-range communications radios, a wireless signal; and, in accordance with a determination that the wireless signal corresponds to a first type of request, transmit information corresponding to the first account without checking authorization; and, in accordance with a determination that the wireless signal corresponds to a second type of request, check authorization before proceeding with a transaction corresponding to the wireless signal.

[0031] According to some embodiments, an electronic device is described that includes one or more short-range communications radios, an account information application that includes a first account, means for detecting a wireless signal by the one or more short-range communications radios, means for transmitting information corresponding to the first account without checking authorization in accordance with a determination that the wireless signal corresponds to a first type of request, and means for checking authorization before proceeding with a transaction corresponding to the wireless signal in accordance with a determination that the wireless signal corresponds to a second type of request.

[0032] According to some embodiments, a method is described that is executed on an electronic device having a display and one or more input devices. The method includes: displaying, on the display, a representation of a plurality of devices associated with a user account, the representation of the plurality of devices including a first representation of a first device and a second representation of a second device, where the first device is associated with the trading account and the second device is not associated with the trading account; receiving, via the one or more input devices, a selection corresponding to the displayed representation of the second device; and associating the trading account with the second device and unlocking the trading account from the first device in accordance with receiving the selection corresponding to the displayed representation of the second device.

[0033] According to some embodiments, a non-transitory computer-readable storage medium is described, wherein the non-transitory computer-readable storage medium stores one or more programs configured to be executed by one or more processors of an electronic device having a display and one or more input devices, the one or more programs including instructions for displaying on the display a representation of a plurality of devices associated with a user account, the representation of the plurality of devices including a first representation of a first device and a second representation of a second device, the first device being associated with the trading account and the second device not being associated with the trading account, receiving via the one or more input devices a selection corresponding to the displayed representation of the second device, and associating the trading account with the second device and associating and unlocking the trading account from the first device in accordance with receiving the selection corresponding to the displayed representation of the second device.

[0034] According to some embodiments, a temporary computer-readable storage medium is described, the temporary computer-readable storage medium storing one or more programs configured to be executed by one or more processors of an electronic device having a display and one or more input devices, the one or more programs including instructions for displaying on the display a representation of a plurality of devices associated with a user account, the representation of the plurality of devices including a first representation of a first device and a second representation of a second device, the first device being associated with the trading account and the second device not being associated with the trading account, receiving via the one or more input devices a selection corresponding to the displayed representation of the second device, and associating the trading account with the second device and associating and unlocking the trading account from the first device in accordance with receiving the selection corresponding to the displayed representation of the second device.

[0035] According to some embodiments, an electronic device is described, the electronic device comprising: a display, one or more input devices, one or more processors, and a memory storing one or more programs configured to be executed by the one or more processors, the one or more programs including instructions for displaying on the display a representation of a plurality of devices associated with a user account, the representation of the plurality of devices including a first representation of a first device and a second representation of a second device, the first device being associated with the trading account and the second device not being associated with the trading account, receiving via the one or more input devices a selection corresponding to the displayed representation of the second device, and associating the trading account with the second device and unlocking the trading account from the first device in accordance with receiving the selection corresponding to the displayed representation of the second device.

[0036] According to some embodiments, an electronic device is described comprising: a display; one or more input devices; means for displaying on the display a representation of a plurality of devices associated with a user account, the representation of the plurality of devices including a first representation of a first device and a second representation of a second device, the first device being associated with the trading account and the second device not being associated with the trading account; means for receiving, via the one or more input devices, a selection corresponding to the displayed representation of the second device; and means for associating the trading account with the second device and associating and unlocking the trading account from the first device in accordance with receiving the selection corresponding to the displayed representation of the second device.

[0037] According to some embodiments, a method is described that is executed on an electronic device having an electronic wallet application, the method including: detecting that a set of one or more payment criteria for making a payment using a stored value account has been met; in response to detecting that the set of one or more payment criteria for making a payment using the stored value account has been met and in accordance with determining that payment credentials for the stored value account are not available in the electronic wallet application of the electronic device, requesting payment credentials for the stored value account from a second device different from the electronic device; and, following requesting the payment credentials for the stored value account from the second device, receiving payment credentials for the stored value account from the second device at the electronic device when the payment credentials for the stored value account are available at the second device.

[0038] According to some embodiments, a non-transitory computer-readable storage medium is described. The non-transitory computer-readable storage medium stores one or more programs configured to be executed by one or more processors of an electronic device having an electronic wallet application, the one or more programs including instructions for detecting that a set of one or more payment criteria for making a payment using a stored value account has been met, requesting payment credentials for the stored value account from a second device different from the electronic device in response to detecting that the set of one or more payment criteria for making a payment using the stored value account has been met and in accordance with determining that payment credentials for the stored value account are not available in the electronic wallet application of the electronic device, and receiving payment credentials for the stored value account from the second device at the electronic device when payment credentials for the stored value account are available at the second device following requesting the payment credentials for the stored value account from the second device.

[0039] According to some embodiments, a temporary computer-readable storage medium is described. The temporary computer-readable storage medium stores one or more programs configured to be executed by one or more processors of an electronic device having an electronic wallet application, the one or more programs including instructions for detecting that a set of one or more payment criteria for making a payment using a stored value account has been met, requesting payment credentials for the stored value account from a second device different from the electronic device in response to detecting that the set of one or more payment criteria for making a payment using the stored value account has been met and in accordance with determining that payment credentials for the stored value account are not available in the electronic wallet application of the electronic device, and receiving payment credentials for the stored value account from the second device at the electronic device when payment credentials for the stored value account are available at the second device following requesting the payment credentials for the stored value account from the second device.

[0040] According to some embodiments, an electronic device is described that includes an electronic wallet application, one or more processors, and a memory storing one or more programs configured to be executed by the one or more processors, the one or more programs including instructions to: detect that a set of one or more payment criteria for making a payment using a stored value account has been met; in response to detecting that the set of one or more payment criteria for making a payment using the stored value account has been met and in accordance with a determination that payment credentials for the stored value account are not available in the electronic wallet application of the electronic device, request payment credentials for the stored value account from a second device different from the electronic device; and, following requesting the payment credentials for the stored value account from the second device, receive payment credentials for the stored value account from the second device at the electronic device when payment credentials for the stored value account are available at the second device.

[0041] According to some embodiments, an electronic device is described that includes an electronic wallet application, means for detecting that a set of one or more payment criteria for making a payment using a stored value account has been met, means for requesting payment credentials for the stored value account from a second device different from the electronic device in response to detecting that the set of one or more payment criteria for making a payment using the stored value account has been met and in accordance with determining that payment credentials for the stored value account are not available in the electronic wallet application of the electronic device, and means for receiving payment credentials for the stored value account from the second device at the electronic device when payment credentials for the stored value account are available at the second device following requesting the payment credentials for the stored value account from the second device.

[0042] According to some embodiments, an electronic device is described, the electronic device comprising: one or more input device units, one or more short-range communication radio units, and a processing unit coupled to the one or more input device units and the one or more short-range communication radio units, the processing unit being configured to: receive, via the one or more short-range communication radio units, a card account number of a card having stored value; request verification information to verify ownership of the card; receive, via the one or more input device units, input from a user of the electronic device including the verification information to verify ownership of the card; verify ownership of the card by comparing the verification information with separate information about the card received separately from the verification information; generate, following a determination that the ownership verification is successful, a prompt to perform a value transfer operation for transferring the value; and transfer at least some of the stored value from the card to a virtual card stored in the electronic device along with the value transfer operation.

[0043] According to some embodiments, an electronic device is described, the electronic device comprising: a display unit, one or more input device units, one or more short-range communication radio units, and a processing unit coupled to the display unit, one or more short-range communication radio units, and one or more input device units, the processing unit configured to: request verification information to verify ownership of a stored value card, the stored value card having stored value; receive input from a user of the electronic device via the one or more input device units, the verification information to verify ownership of the card, the verification information including information not shown on the card; enable display on the display unit of the electronic device of a prompt to place the electronic device within communication range of the stored value card; receive, via the one or more short-range communication radio units, identification information from the stored value card; verify ownership of the stored value card by comparing the verification information with the identification information; and, pursuant to a determination that the ownership verification is successful, transfer at least some of the stored value from the stored value card to a virtual card stored on the electronic device.

[0044] According to some embodiments, an electronic device is described, the electronic device comprising: a display unit; one or more input device units; and a processing unit coupled to the display unit and the one or more input device units, the processing unit being configured to: enable display on the display unit of a representation of a stored-value account including an activatable add-value option, the electronic device having an electronic wallet application including the stored-value account and a payment account; detect activation of the add-value option via the one or more input device units while enabling display of the representation of the stored-value account; detect activation of a fund-account option via the one or more input device units for adding value to the stored-value account using the payment account of the electronic wallet application; receive authentication information at the electronic device while enabling display of a proposed transaction for adding assets from the payment account to the stored-value account; and, in response to receiving the authentication information and in accordance with a determination that the authentication information matches registered authentication information for performing a payment transaction using the payment account, add value to the stored-value account using the payment account.

[0045] According to some embodiments, an electronic device is described, the electronic device comprising: a display unit, one or more short-range communications radio units, an electronic wallet application unit including a stored-value account, and a processing unit coupled to the display unit, the one or more short-range communications radio units, and the electronic wallet application unit including the stored-value account, the processing unit being configured to: enable display of an indication of available credit for the stored-value account on the display unit; transfer authentication information for the stored-value account using the one or more short-range communications radio units to a contactless transaction terminal separate from the electronic device; and, based on a transaction with the contactless transaction terminal performed using the authentication information for the stored-value account transferred to the contactless transaction terminal using the one or more short-range communications radio units, replace the display of the indication of available credit with a display of an indication of a transaction corresponding to the transfer of the authentication information to the contactless transaction terminal.

[0046] According to some embodiments, an electronic device is described, the electronic device comprising: one or more short-range communication radio units; an account information application unit including a first account; and a processing unit coupled to the one or more short-range communication units and the account information application unit including the first account, the processing unit being configured to: detect a wireless signal by the one or more short-range communication radio units; and, in accordance with a determination that the wireless signal corresponds to a first type of request, transmit information corresponding to the first account without checking authentication; and, in accordance with a determination that the wireless signal corresponds to a second type of request, check authentication before proceeding with a transaction corresponding to the wireless signal.

[0047] According to some embodiments, an electronic device is described, the electronic device comprising: a display unit, one or more input device units; and a processing unit coupled to the display unit and the one or more input device units, the processing unit being configured to: enable, on the display unit, a display of representations of a plurality of devices associated with a user account, the representations of the plurality of devices including a first representation of a first device and a second representation of a second device, the first device being associated with the trading account and the second device not being associated with the trading account; receive, via the one or more input device units, a selection corresponding to the displayed representation of the second device; and, in accordance with receiving the selection corresponding to the displayed representation of the second device, associate the trading account with the second device and associate and unlock the trading account from the first device.

[0048] According to some embodiments, an electronic device is described, the electronic device comprising: an electronic wallet application unit; and a processing unit, the processing unit configured to: detect that a set of one or more payment criteria for making a payment using a stored value account has been met; in response to detecting that the set of one or more payment criteria for making a payment using the stored value account has been met and in accordance with determining that payment credentials for the stored value account are not available in an electronic wallet application of the electronic device, request payment credentials for the stored value account from a second device different from the electronic device; and, following requesting the payment credentials for the stored value account from the second device, receive payment credentials for the stored value account from the second device at the electronic device when the payment credentials for the stored value account are available at the second device.

[0049] Executable instructions to perform these functions are optionally contained in a non-transitory computer-readable storage medium or other computer program product configured to be executed by one or more processors. Executable instructions to perform these functions are optionally contained in a transitory computer-readable storage medium or other computer program product configured to be executed by one or more processors.

[0050] Thus, faster devices and more efficient methods and interfaces for managing transactions are provided, thereby increasing the effectiveness, efficiency, and user satisfaction of such devices, which methods and interfaces can complement or replace other methods for managing transactions. [Brief explanation of the drawings]

[0051] For a better understanding of the various described embodiments, please refer to the following detailed description in conjunction with the following drawings, in which like reference numerals refer to corresponding parts throughout the drawings, in which:

[0052] [Figure 1A] 1 is a block diagram illustrating a portable multifunction device having a touch-sensitive display in accordance with some embodiments.

[0053] [Figure 1B] FIG. 1 is a block diagram illustrating exemplary components for event processing according to some embodiments.

[0054] [Figure 2] 1 illustrates a portable multifunction device with a touch screen in accordance with some embodiments.

[0055] [Figure 3] 1 is a block diagram of an exemplary multifunction device having a display and a touch-sensitive surface in accordance with some embodiments. FIG.

[0056] [Figure 4A] 1 illustrates an exemplary user interface for an applications menu on a portable multifunction device in accordance with some embodiments.

[0057] [Figure 4B] 1 illustrates an exemplary user interface for a multifunction device having a touch-sensitive surface separate from a display in accordance with some embodiments.

[0058] [Figure 5A] 1 illustrates a personal electronic device according to some embodiments.

[0059] [Figure 5B] 1 is a block diagram illustrating a personal electronic device according to some embodiments.

[0060] [Figure 5C] FIG. 1 illustrates exemplary components of a personal electronic device having a touch-sensitive display and an intensity sensor in accordance with some embodiments. [Figure 5D] FIG. 1 illustrates exemplary components of a personal electronic device having a touch-sensitive display and an intensity sensor in accordance with some embodiments.

[0061] [Figure 5E] FIG. 1 illustrates exemplary components and a user interface of a personal electronic device according to some embodiments. [Figure 5F] FIG. 1 illustrates exemplary components and a user interface of a personal electronic device according to some embodiments. [Figure 5G] FIG. 1 illustrates exemplary components and a user interface of a personal electronic device according to some embodiments. [Figure 5H] FIG. 1 illustrates exemplary components and a user interface of a personal electronic device according to some embodiments.

[0062] [Figure 6] 1 illustrates exemplary devices connected via one or more communication channels, according to some embodiments.

[0063] [Figure 7A] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 7B] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 7C] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 7D] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 7E] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 7F] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 7G] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 7H] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 7I] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 7J] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 7K] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 7L] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 7M] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 7N] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 7O] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 7P] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments.

[0064] [Figure 8A] 1 is a flowchart illustrating a method for provisioning a card on an electronic device according to some embodiments. [Figure 8B] 1 is a flowchart illustrating a method for provisioning a card on an electronic device according to some embodiments.

[0065] [Figure 9A] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 9B] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 9C] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 9D] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 9E]1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 9F] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 9G] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 9H] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 9I] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 9J] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 9K] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 9L] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 9M] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments. [Figure 9N] 1 illustrates an exemplary user interface for provisioning a card on an electronic device according to some embodiments.

[0066] [Figure 10] 1 is a flowchart illustrating a method for provisioning a card on an electronic device according to some embodiments.

[0067] [Figure 11A]1 illustrates an exemplary user interface for adding value to a provisioned stored-value account on an electronic device according to some embodiments. [Figure 11B] 1 illustrates an exemplary user interface for adding value to a provisioned stored-value account on an electronic device according to some embodiments. [Figure 11C] 1 illustrates an exemplary user interface for adding value to a provisioned stored-value account on an electronic device according to some embodiments. [Figure 11D] 1 illustrates an exemplary user interface for adding value to a provisioned stored-value account on an electronic device according to some embodiments. [Figure 11E] 1 illustrates an exemplary user interface for adding value to a provisioned stored-value account on an electronic device according to some embodiments. [Figure 11F] 1 illustrates an exemplary user interface for adding value to a provisioned stored-value account on an electronic device according to some embodiments. [Figure 11G] 1 illustrates an exemplary user interface for adding value to a provisioned stored-value account on an electronic device according to some embodiments. [Figure 11H] 1 illustrates an exemplary user interface for adding value to a provisioned stored-value account on an electronic device according to some embodiments. [Figure 11I] 1 illustrates an exemplary user interface for adding value to a provisioned stored-value account on an electronic device according to some embodiments. [Figure 11J] 1 illustrates an exemplary user interface for adding value to a provisioned stored-value account on an electronic device according to some embodiments. [Figure 11K]1 illustrates an exemplary user interface for adding value to a provisioned stored-value account on an electronic device according to some embodiments. [Figure 11L] 1 illustrates an exemplary user interface for adding value to a provisioned stored-value account on an electronic device according to some embodiments. [Figure 11M] 1 illustrates an exemplary user interface for adding value to a provisioned stored-value account on an electronic device according to some embodiments. [Figure 11N] 1 illustrates an exemplary user interface for adding value to a provisioned stored-value account on an electronic device according to some embodiments.

[0068] [Figure 12A] 1 is a flowchart illustrating a method of adding value to a stored-value account provisioned on an electronic device according to some embodiments. [Figure 12B] 1 is a flowchart illustrating a method of adding value to a stored-value account provisioned on an electronic device according to some embodiments.

[0069] [Figure 13A] 10 illustrates an exemplary user interface for transferring stored value account authentication information to a terminal. [Figure 13B] 10 illustrates an exemplary user interface for transferring stored value account authentication information to a terminal. [Figure 13C] 10 illustrates an exemplary user interface for transferring stored value account authentication information to a terminal. [Figure 13D] 10 illustrates an exemplary user interface for transferring stored value account authentication information to a terminal. [Figure 13E] 10 illustrates an exemplary user interface for transferring stored value account authentication information to a terminal. [Figure 13F]10 illustrates an exemplary user interface for transferring stored value account authentication information to a terminal. [Figure 13G] 10 illustrates an exemplary user interface for transferring stored value account authentication information to a terminal. [Figure 13H] 10 illustrates an exemplary user interface for transferring stored value account authentication information to a terminal. [Figure 13I] 10 illustrates an exemplary user interface for transferring stored value account authentication information to a terminal. [Figure 13J] 10 illustrates an exemplary user interface for transferring stored value account authentication information to a terminal. [Figure 13K] 10 illustrates an exemplary user interface for transferring stored value account authentication information to a terminal. [Figure 13L] 10 illustrates an exemplary user interface for transferring stored value account authentication information to a terminal. [Figure 13M] 10 illustrates an exemplary user interface for transferring stored value account authentication information to a terminal. [Figure 13N] 10 illustrates an exemplary user interface for transferring stored value account authentication information to a terminal.

[0070] [Figure 14A] 10 is a flowchart illustrating a method for transferring stored-value account authentication information to a terminal according to some embodiments. [Figure 14B] 10 is a flowchart illustrating a method for transferring stored-value account authentication information to a terminal according to some embodiments.

[0071] [Figure 15A] 10 illustrates an exemplary user interface for making an account available for use without checking authentication, according to some embodiments. [Figure 15B]10 illustrates an exemplary user interface for making an account available for use without checking authentication, according to some embodiments. [Figure 15C] 10 illustrates an exemplary user interface for making an account available for use without checking authentication, according to some embodiments. [Figure 15D] 10 illustrates an exemplary user interface for making an account available for use without checking authentication, according to some embodiments. [Figure 15E] 10 illustrates an exemplary user interface for making an account available for use without checking authentication, according to some embodiments. [Figure 15F] 10 illustrates an exemplary user interface for making an account available for use without checking authentication, according to some embodiments. [Figure 15G] 10 illustrates an exemplary user interface for making an account available for use without checking authentication, according to some embodiments. [Figure 15H] 10 illustrates an exemplary user interface for making an account available for use without checking authentication, according to some embodiments. [Figure 15I] 10 illustrates an exemplary user interface for making an account available for use without checking authentication, according to some embodiments. [Figure 15J] 10 illustrates an exemplary user interface for making an account available for use without checking authentication, according to some embodiments. [Figure 15K] 10 illustrates an exemplary user interface for making an account available for use without checking authentication, according to some embodiments. [Figure 15L] 10 illustrates an exemplary user interface for making an account available for use without checking authentication, according to some embodiments. [Figure 15M]10 illustrates an exemplary user interface for making an account available for use without checking authentication, according to some embodiments.

[0072] [Figure 16A] 1 is a flowchart illustrating a method for making an account available for use without checking authentication, according to some embodiments. [Figure 16B] 1 is a flowchart illustrating a method for making an account available for use without checking authentication, according to some embodiments.

[0073] [Figure 17A] 1 illustrates an exemplary user interface for transferring a trading account from one device to another, according to some embodiments. [Figure 17B] 1 illustrates an exemplary user interface for transferring a trading account from one device to another, according to some embodiments. [Figure 17C] 1 illustrates an exemplary user interface for transferring a trading account from one device to another, according to some embodiments. [Figure 17D] 1 illustrates an exemplary user interface for transferring a trading account from one device to another, according to some embodiments. [Figure 17E] 1 illustrates an exemplary user interface for transferring a trading account from one device to another, according to some embodiments. [Figure 17F] 1 illustrates an exemplary user interface for transferring a trading account from one device to another, according to some embodiments. [Figure 17G] 1 illustrates an exemplary user interface for transferring a trading account from one device to another, according to some embodiments. [Figure 17H] 1 illustrates an exemplary user interface for transferring a trading account from one device to another, according to some embodiments.

[0074] [Figure 18] 1 is a flowchart illustrating a method for transferring a trading account from one device to another according to some embodiments.

[0075] [Figure 19A] 1 illustrates an exemplary user interface for an account available for use on one or more devices of a plurality of devices, according to some embodiments. [Figure 19B] 1 illustrates an exemplary user interface for an account available for use on one or more devices of a plurality of devices, according to some embodiments. [Figure 19C] 1 illustrates an exemplary user interface for an account available for use on one or more devices of a plurality of devices, according to some embodiments. [Figure 19D] 1 illustrates an exemplary user interface for an account available for use on one or more devices of a plurality of devices, according to some embodiments. [Figure 19E] 1 illustrates an exemplary user interface for an account available for use on one or more devices of a plurality of devices, according to some embodiments. [Figure 19F] 1 illustrates an exemplary user interface for an account available for use on one or more devices of a plurality of devices, according to some embodiments. [Figure 19G] 1 illustrates an exemplary user interface for an account available for use on one or more devices of a plurality of devices, according to some embodiments. [Figure 19H] 1 illustrates an exemplary user interface for an account available for use on one or more devices of a plurality of devices, according to some embodiments.

[0076] [Figure 20A]1 is a flowchart illustrating a method for managing accounts available for use on one or more devices of a plurality of devices, according to some embodiments. [Figure 20B] 1 is a flowchart illustrating a method for managing accounts available for use on one or more devices of a plurality of devices, according to some embodiments.

[0077] [Figure 21] 1 illustrates a functional block diagram according to some embodiments. [Figure 22] 1 illustrates a functional block diagram according to some embodiments. [Figure 23] 1 illustrates a functional block diagram according to some embodiments. [Figure 24] 1 illustrates a functional block diagram according to some embodiments. [Figure 25] 1 illustrates a functional block diagram according to some embodiments. [Figure 26] 1 illustrates a functional block diagram according to some embodiments. [Figure 27] 1 illustrates a functional block diagram according to some embodiments. DETAILED DESCRIPTION OF THE INVENTION

[0078] In the following description, example methods, parameters, etc. are set forth. However, it should be recognized that such description is not intended as a limitation on the scope of the present disclosure, but is provided as a description of example embodiments.

[0079] A need exists for electronic devices that provide efficient methods and interfaces for managing accounts and transactions. Such technology can reduce the cognitive burden on users accessing transactions, thereby increasing productivity. Furthermore, such techniques can reduce processor and battery power wasted on otherwise redundant user input.

[0080] 1A-1B, 2, 3, 4A-4B, and 5A-5H provide descriptions of exemplary devices for implementing techniques for managing accounts and transactions. FIG. 6 illustrates exemplary devices connected via one or more communication channels, according to some embodiments. FIGS. 7A-7P illustrate exemplary user interfaces for provisioning a card on an electronic device, according to some embodiments. FIGS. 8A-8B are flowcharts illustrating a method for provisioning a card on an electronic device, according to some embodiments. The user interfaces in FIGS. 7A-7P are used to illustrate processes described below, including the processes in FIGS. 8A-8B. FIGS. 9A-9N illustrate exemplary user interfaces for provisioning a card on an electronic device, according to some embodiments. FIG. 10 is a flowchart illustrating a method for provisioning a card on an electronic device, according to some embodiments. The user interfaces in FIGS. 9A-9N are used to illustrate processes described below, including the process in FIG. 10. FIGS. 11A-11N illustrate exemplary user interfaces for adding value to a stored-value account provisioned on an electronic device, according to some embodiments. Figures 12A-12B are flowcharts illustrating a method of adding value to a provisioned stored-value account on an electronic device, according to some embodiments. User interfaces in Figures 11A-11N are used to illustrate processes described below, including the processes in Figures 12A-12B. Figures 13A-13N show exemplary user interfaces for transferring stored-value account authentication information to a terminal. Figures 14A-14B are flowcharts illustrating a method of transferring stored-value account authentication information to a terminal. User interfaces in Figures 13A-13N are used to illustrate processes described below, including the processes in Figures 14A-14B. Figures 15A-15M show exemplary user interfaces for making an account available for use without checking authentication, according to some embodiments.16A-16B are flowcharts illustrating a method for making an account available for use without checking authentication, according to some embodiments. User interfaces in FIGS. 15A-15M are used to illustrate processes described below, including the processes in FIGS. 16A-16B. FIGS. 17A-17H show exemplary user interfaces for transferring a trading account from one device to another, according to some embodiments. FIG. 18 is a flowchart illustrating a method for transferring a trading account from one device to another, according to some embodiments. User interfaces in FIGS. 17A-17H are used to illustrate processes described below, including the process in FIG. 18. FIGS. 19A-19H show exemplary user interfaces for accounts available for use on one or more devices of a plurality of devices, according to some embodiments. FIGS. 20A-20B are flowcharts illustrating a method for managing accounts available for use on one or more devices of a plurality of devices, according to some embodiments. User interfaces in FIGS. 19A-19H are used to illustrate processes described below, including the processes in FIGS. 20A-20B. 21-27 show functional block diagrams according to some embodiments.

[0081] In the following description, terms such as "first" and "second" are used to describe various elements, but these elements should not be limited by these terms. These terms are used only to distinguish one element from another. For example, a first touch may be referred to as a second touch, and similarly, a second touch may be referred to as a first touch, without departing from the scope of various described embodiments. A first touch and a second touch are both touches, but are not the same touch.

[0082] The terminology used in the description of the various embodiments set forth herein is for the purpose of describing particular embodiments only and is not intended to be limiting. As used in the description of the various embodiments set forth and in the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly dictates otherwise. As used herein, it should also be understood that the term "and / or" refers to and includes all possible combinations of one or more of the associated listed items. It should be further understood that the terms "includes," "including," "comprises," and / or "comprising," as used herein, specify the presence of stated features, integers, steps, operations, elements, and / or components, but do not exclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and / or groups thereof.

[0083] Optionally, the term "if" is interpreted to mean "when," "upon," "in response to determining," or "in response to detecting," depending on the context. Similarly, the phrases "if it is determined" or "if (a stated condition or event) is detected" are optionally interpreted to mean "upon determining," or "in response to determining," or "upon detecting (the stated condition or event)," or "in response to detecting (the stated condition or event)," depending on the context.

[0084] Embodiments of electronic devices, user interfaces for such devices, and associated processes for using such devices are described. In some embodiments, the device is a portable communication device, such as a mobile telephone, that also includes other functions, such as PDA and / or music player functions. Exemplary embodiments of portable multifunction devices include, without limitation, the iPhone®, iPod Touch®, and iPad® devices from Apple Inc. of Cupertino, California. Other portable electronic devices, such as laptops or tablet computers with touch-sensitive surfaces (e.g., touchscreen displays and / or touchpads), are also optionally used. It should also be understood that in some embodiments, the device is not a portable communication device, but rather a desktop computer with a touch-sensitive surface (e.g., touchscreen displays and / or touchpads).

[0085] The following discussion describes an electronic device with a display and a touch-sensitive surface, however, it should be understood that the electronic device optionally includes one or more other physical user-interface devices, such as a physical keyboard, a mouse, and / or a joystick.

[0086] The device typically supports a variety of applications such as one or more of a drawing application, a presentation application, a word processing application, a website creation application, a disc authoring application, a spreadsheet application, a gaming application, a telephone application, a video conferencing application, an email application, an instant messaging application, a training support application, a photo management application, a digital camera application, a digital video camera application, a web browsing application, a digital music playback application, and / or a digital video playback application.

[0087] Various applications running on the device optionally use at least one common physical user-interface device, such as a touch-sensitive surface. One or more features of the touch-sensitive surface and corresponding information displayed on the device are optionally adjusted and / or changed for each application and / or within the corresponding application. In this way, the common physical architecture of the device (such as the touch-sensitive surface) optionally supports various applications with user interfaces that are intuitive and transparent to the user.

[0088] Attention is now directed to embodiments of portable devices with touch-sensitive displays. FIG. 1A is a block diagram illustrating portable multifunction device 100 with touch-sensitive display system 112, according to some embodiments. Touch-sensitive display 112 may conveniently be referred to as a "touch screen," and may also be known or referred to as a "touch-sensitive display system." Device 100 includes memory 102 (optionally including one or more computer-readable storage media), memory controller 122, one or more processing units (CPUs) 120, peripherals interface 118, RF circuitry 108, audio circuitry 110, speaker 111, microphone 113, input / output (I / O) subsystem 106, other input control devices 116, and external port 124. Device 100 optionally includes one or more light sensors 164. Device 100 optionally includes one or more contact intensity sensors 165 for detecting the intensity of a contact on device 100 (e.g., a touch-sensitive surface such as touch-sensitive display system 112 of device 100). Device 100 optionally includes one or more tactile output generators 167 for generating a tactile output on device 100 (e.g., generating a tactile output on a touch-sensitive surface such as touch-sensitive display system 112 of device 100 or touchpad 355 of device 300). These components optionally communicate via one or more communication buses or signal lines 103.

[0089] As used herein and in the claims, the term “intensity” of a contact on a touch-sensitive surface refers to the force or pressure (force per unit area) of a contact (e.g., a finger contact) on the touch-sensitive surface, or a surrogate (proxy) for the force or pressure of a contact on the touch-sensitive surface. The intensity of a contact has a range of values ​​that includes at least four distinct values ​​and more typically includes hundreds of different values ​​(e.g., at least 256). The intensity of a contact is optionally determined (or measured) using various approaches and various sensors or combinations of sensors. For example, one or more force sensors beneath or adjacent to the touch-sensitive surface are optionally used to measure force at various points on the touch-sensitive surface. In some implementations, force measurements from multiple force sensors are combined (e.g., weighted average) to determine an estimated force of the contact. Similarly, a pressure-sensitive tip of a stylus is optionally used to determine the pressure of the stylus on the touch-sensitive surface. Alternatively, the size and / or change in the contact area detected on the touch-sensitive surface, the capacitance and / or change in the capacitance of the touch-sensitive surface proximate the contact, and / or the resistance and / or change in the capacitance of the touch-sensitive surface proximate the contact are optionally used as surrogates for the force or pressure of the contact on the touch-sensitive surface. In some implementations, the surrogate measurements for the force or pressure of the contact are used directly to determine whether an intensity threshold has been exceeded (e.g., the intensity threshold is described in units corresponding to the surrogate measurements). In some implementations, the surrogate measurements for the force or pressure of the contact are converted to an estimated force or pressure, and the estimated force or pressure is used to determine whether an intensity threshold has been exceeded (e.g., the intensity threshold is a pressure threshold measured in units of pressure). Using contact intensity as an attribute of user input enables users to access additional device functionality that may otherwise be inaccessible to users on reduced-size devices with limited area for displaying affordances (e.g., on a touch-sensitive display) and / or receiving user input (e.g., via a touch-sensitive display, touch-sensitive surface, or physical / mechanical controls such as knobs or buttons).

[0090] As used in the specification and claims, the term “tactile output” refers to the physical displacement of a device relative to its previous position, the physical displacement of a component of a device (e.g., a touch-sensitive surface) relative to another component of the device (e.g., a housing), or the displacement of a component relative to a center of mass of devices, detected by the user by the user sensing touch. For example, in a situation where a device or a component of a device is in contact with a touch-sensitive user surface (e.g., the fingers, palm, or other part of the user's hand), the tactile output produced by the physical displacement is interpreted by the user as a tactile sensation corresponding to a perceived change in a physical property of the device or component of the device. For example, movement of a touch-sensitive surface (e.g., a touch-sensitive display or trackpad) is optionally interpreted by the user as a “downclick” or “upclick” of a physical actuator button. In some cases, the user will feel a tactile sensation such as a “downclick” or “upclick” even when no movement of a physical actuator button associated with the touch-sensitive surface has been physically pressed (e.g., displaced) by the user's action. As another example, movement of the touch-sensitive surface is optionally interpreted or perceived by a user as "roughness" of the touch-sensitive surface, even when there is no change in the smoothness of the touch-sensitive surface. While such interpretation of touch by a user depends on the user's personal sensory perception, there are many sensory perceptions of touch that are common to most users. Thus, when a tactile output is described as corresponding to a particular user perception (e.g., "upclick," "downclick," "roughness"), unless otherwise stated, the generated tactile output corresponds to a physical displacement of the device or its components that produces the described perception for a typical (or average) user.

[0091] It should be understood that device 100 is only one example of a portable multifunction device, and that device 100 optionally has more or fewer components than those shown, optionally combines two or more components, or optionally has a different configuration or arrangement of components. The various components shown in Figure 1A may be implemented in hardware, software, or a combination of both hardware and software, including one or more signal processing circuits and / or application specific integrated circuits.

[0092] Memory 102 optionally includes high-speed random access memory, and optionally also includes non-volatile memory, such as one or more magnetic disk storage devices, flash memory devices, or other non-volatile solid-state memory devices. Memory controller 122 optionally controls access to memory 102 by other components of device 100.

[0093] Peripheral interface 118 may be used to couple input and output peripherals of the device to CPU 120 and memory 102. One or more processors 120 operate or execute various software programs and / or instruction sets stored in memory 102 to perform various functions for device 100 and to process data. In some embodiments, peripheral interface 118, CPU 120, and memory controller 122 are optionally implemented on a single chip, such as chip 104. In some other embodiments, they are optionally implemented on separate chips.

[0094] The RF (radio frequency) circuitry 108 transmits and receives RF signals, also known as electromagnetic signals. The RF circuitry 108 converts electrical signals to and from electromagnetic signals and communicates with communication networks and other communication devices via electromagnetic signals. The RF circuitry 108 optionally includes well-known circuitry for performing these functions, including, but not limited to, an antenna system, an RF transceiver, one or more amplifiers, a tuner, one or more oscillators, a digital signal processor, a CODEC chipset, a subscriber identity module (SIM) card, memory, etc. The RF circuitry 108 optionally communicates with the Internet, also known as the World Wide Web (WWW), an intranet, and / or a wireless network, such as a cellular network, a wireless local area network (LAN), and / or a metropolitan area network (MAN), and communicates with other devices via wireless communications. The RF circuitry 108 optionally includes well-known circuitry for detecting near field communication (NFC) fields, such as via near field communication radio. The wireless communication optionally uses any of a plurality of communication standards, protocols, and technologies, including Global System for Mobile Communications (GSM), Enhanced Data GSM Environment (EDGE), high-speed downlink packet access (HSDPA), high-speed uplink packet access (HSUPA), Evolution, Data-Only (EV-DO), HSPA, HSPA+, Dual-Cell HSPA (DC-HSPA), long term evolution (LTE), near field communication (NFC), wideband code division multiple access (W-CDMA), code division multiple access (CDMA), and the like.access (CDMA), time division multiple access (TDMA), Bluetooth®, Bluetooth Low Energy (BTLE), Wireless Fidelity (Wi-Fi)® (e.g., IEEE 802.11a, IEEE 802.11b, IEEE 802.11g, IEEE 802.11n, and / or IEEE 802.11ac), voice over Internet Protocol (VoIP), Wi-MAX, protocols for email (e.g., Internet message access protocol (IMAP) and / or post office protocol (POP)), instant messaging (e.g., extensible messaging and presence protocol (XMPP)), Session Initiation Protocol for Instant Messaging and Presence Leveraging Extensions (SIMPLE), Instant Messaging and Presence Services (IMP), and This includes, but is not limited to, Intermediate Message Service (IMPS), and / or Short Message Service (SMS), or any other suitable communication protocol, including communication protocols not yet developed as of the filing date of this document.

[0095] Audio circuit 110, speaker 111, and microphone 113 provide an audio interface between a user and device 100. Audio circuit 110 receives audio data from peripherals interface 118, converts the audio data into electrical signals, and transmits the electrical signals to speaker 111. Speaker 111 converts the electrical signals into sound waves audible to humans. Audio circuit 110 also receives electrical signals converted from sound waves by microphone 113. Audio circuit 110 converts the electrical signals into audio data and transmits the audio data to peripherals interface 118 for processing. The audio data is optionally retrieved from and transmitted to memory 102 and / or RF circuit 108 by peripherals interface 118. In some embodiments, audio circuit 110 further comprises a headset jack (e.g., 212 in FIG. 2 ). The headset jack provides an interface between audio circuitry 110 and a removable audio input / output peripheral, such as an output-only headphone or a headset with both an output (e.g., single or double ear headphones) and an input (e.g., a microphone).

[0096] I / O subsystem 106 connects input / output peripherals of device 100, such as touchscreen 112 and other input control devices 116, to peripheral interface 118. I / O subsystem 106 optionally includes display controller 156, light sensor controller 158, intensity sensor controller 159, haptic feedback controller 161, and one or more input controllers 160 for other input or control devices. One or more input controllers 160 receive / send electrical signals to / from other input control devices 116. Other input control devices 116 optionally include physical buttons (e.g., push buttons, rocker buttons, etc.), dials, slider switches, joysticks, click wheels, etc. In some alternative embodiments, input controller(s) 160 are optionally connected to any (or none) of a keyboard, infrared port, USB port, and pointer device such as a mouse. The one or more buttons (e.g., 208 in FIG. 2) optionally include up / down buttons for adjusting the volume of the speaker 111 and / or microphone 113. The one or more buttons optionally include a push button (e.g., 206 in FIG. 2).

[0097] A quick press of the push button optionally unlocks the touchscreen 112 or optionally initiates a process of using gestures on the touchscreen to unlock the device, as described in U.S. Patent Application No. 11 / 322,549, "Unlocking a Device by Performing Gestures on an Unlock Image," filed December 23, 2005, U.S. Patent No. 7,657,849, which is incorporated herein by reference in its entirety. A longer press of the push button (e.g., 206) optionally powers the device 100 on or off. The functions of one or more of the buttons are optionally user-customizable. The touchscreen 112 is used to implement virtual or soft buttons and one or more soft keyboards.

[0098] Touch-sensitive display 112 provides an input and output interface between the device and a user. Display controller 156 receives and / or sends electrical signals to / from touchscreen 112. Touchscreen 112 displays visual output to the user. The visual output optionally includes graphics, text, icons, video, and any combination thereof (collectively referred to as "graphics"). In some embodiments, optionally, some or all of the visual output corresponds to user-interface objects.

[0099] Touchscreen 112 has a touch-sensitive surface, sensor, or set of sensors that accepts input from a user based on tactile and / or haptic contact. Touchscreen 112 and display controller 156 (along with any associated modules and / or sets of instructions in memory 102) detect contacts (and any movement or cessation of contacts) on touchscreen 112 and translate the detected contacts into interactions with user interface objects (e.g., one or more softkeys, icons, web pages, or images) displayed on touchscreen 112. In an exemplary embodiment, the point of contact between touchscreen 112 and the user corresponds to the user's finger.

[0100] Touchscreen 112 optionally uses LCD (liquid crystal display), LPD (light emitting polymer display), or LED (light emitting diode) technology, although other display technologies are used in other embodiments. Touchscreen 112 and display controller 156 optionally detect contact and any movement or cessation thereof using any of a number of now known or later developed touch sensing technologies, including, but not limited to, capacitive, resistive, infrared, and surface acoustic wave technologies, as well as other proximity sensor arrays or other elements for determining one or more points of contact with touchscreen 112. In an exemplary embodiment, projected mutual capacitance sensing technology is used, such as that found in the iPhone® and iPod Touch® by Apple Inc. of Cupertino, California.

[0101] The touch-sensitive display in some embodiments of touchscreen 112 is optionally similar to the multi-touch-sensing touchpads described in the following U.S. Patents: 6,323,846 (Westerman et al.), 6,570,557 (Westerman et al.), and / or 6,677,932 (Westerman), and / or U.S. Patent Application Publication No. 2002 / 0015024 A1, each of which is incorporated by reference in its entirety herein, except that touchscreen 112 displays visual output from device 100, whereas touch-sensitive touchpads do not provide visual output.

[0102] Touch-sensitive displays in some embodiments of touchscreen 112 are described in the following applications: (1) U.S. Patent Application No. 11 / 381,313, filed May 2, 2006, entitled "Multipoint Touch Surface Controller"; (2) U.S. Patent Application No. 10 / 840,862, filed May 6, 2004, entitled "Multipoint Touchscreen"; (3) U.S. Patent Application No. 10 / 903,964, filed July 30, 2004, entitled "Gestures For Touch Sensitive Input Devices"; (4) U.S. Patent Application No. 11 / 048,264, filed January 31, 2005, entitled "Gestures For Touch Sensitive Input Devices"; (5) U.S. Patent Application No. 11 / 038,590, filed January 18, 2005, entitled "Mode-Based Graphical User Interfaces For Touch Sensitive Input Devices"; (6) U.S. Patent Application No. 11 / 228,758, filed September 16, 2005, entitled "Virtual Input Device Placement On A Touch Screen User Interface"; (7) US Patent No. 11 / 228,700, filed September 16, 2005, entitled "Operation Of A Computer With A Touch Screen Interface," (8) US Patent No. 11 / 228,737, filed September 16, 2005, entitled "Activating Virtual Keys Of A Touch-Screen Virtual Keyboard," and (9) US Patent No. 11 / 367,749, filed March 3, 2006, entitled "Multi-Functional Hand-Held Device," all of which are incorporated herein by reference in their entirety.

[0103] Touchscreen 112 optionally has a video resolution greater than 100 dpi. In some embodiments, the touchscreen has a video resolution of approximately 160 dpi. A user optionally contacts touchscreen 112 using any suitable object or appendage, such as a stylus, a finger, or the like. In some embodiments, the user interface is designed to function primarily through finger-based contact and gestures, which may be less precise than stylus-based input due to the large contact area of ​​a finger on the touchscreen. In some embodiments, the device translates coarse finger-based input into precise pointer / cursor position or commands to perform the user's desired action.

[0104] In some embodiments, in addition to the touchscreen, device 100 optionally includes a touchpad (not shown) for activating or deactivating certain functions. In some embodiments, the touchpad is a touch-sensitive area of ​​the device that, unlike the touchscreen, does not display visual output. The touchpad is optionally a touch-sensitive surface separate from touchscreen 112 or an extension of the touch-sensitive surface formed by the touchscreen.

[0105] Device 100 also includes a power system 162 for providing power to the various components. Power system 162 optionally includes a power management system, one or more power sources (e.g., battery, alternating current (AC)), a recharging system, power failure detection circuitry, power converters or inverters, power status indicators (e.g., light emitting diodes (LEDs)), and any other components associated with generating, managing, and distributing electrical power within a portable device.

[0106] Device 100 also optionally includes one or more light sensors 164. FIG. 1A shows a light sensor connected to light sensor controller 158 in I / O subsystem 106. Light sensor 164 optionally includes a charge-coupled device (CCD) or a complementary metal-oxide semiconductor (CMOS) phototransistor. Light sensor 164 receives light from the environment, projected through one or more lenses, and converts the light into data representing an image. In conjunction with imaging module 143 (also referred to as a camera module), light sensor 164 optionally captures still images or video. In some embodiments, the light sensor is located on the back of device 100, opposite touchscreen display 112 on the front of the device, to enable the touchscreen display as a viewfinder for still image and / or video capture. In some embodiments, the light sensor is optionally located on the front of the device to obtain an image of the user for a videoconference while the user simultaneously views other videoconference participants on the touchscreen display. In some embodiments, the position of the light sensor 164 can be changed by the user (e.g., by rotating the lens and sensor within the device housing), thereby using a single light sensor 164 in conjunction with a touchscreen display for both video conferencing and capturing still and / or video images.

[0107] Device 100 also optionally includes one or more contact intensity sensors 165. FIG. 1A shows contact intensity sensors connected to intensity sensor controller 159 in I / O subsystem 106. Contact intensity sensors 165 optionally include one or more piezoresistive strain gauges, capacitive force sensors, electric force sensors, piezoelectric force sensors, optical force sensors, capacitive touch-sensitive surfaces, or other intensity sensors (e.g., sensors used to measure the force (or pressure) of a contact on a touch-sensitive surface). Contact intensity sensors 165 receive contact intensity information (e.g., pressure information or a proxy for pressure information) from the environment. In some embodiments, at least one contact intensity sensor is co-located with or proximate to the touch-sensitive surface (e.g., touch-sensitive display system 112). In some embodiments, at least one contact intensity sensor is located on the back of device 100, opposite touchscreen display 112, which is located on the front of device 100.

[0108] Device 100 also optionally includes one or more proximity sensors 166. Figure 1A shows proximity sensor 166 connected to peripherals interface 118. Alternatively, proximity sensor 166 is optionally connected to input controller 160 in I / O subsystem 106. Proximity sensor 166 optionally functions as described in U.S. patent application Ser. No. 11 / 241,839, "Proximity Detector In Handheld Device," Ser. No. 11 / 240,788, "Proximity Detector In Handheld Device," Ser. No. 11 / 620,702, "Using Ambient Light Sensor To Augment Proximity Sensor Output," Ser. No. 11 / 586,862, "Automated Response To And Sensing Of User Activity In Portable Devices," and Ser. No. 11 / 638,251, "Methods And Systems For Automatic Configuration Of Peripherals," which are incorporated herein by reference in their entireties. In some embodiments, when the multifunction device is placed near the user's ear (e.g., when the user is on a phone call), the proximity sensor is turned off and touchscreen 112 is disabled.

[0109] Device 100 also optionally includes one or more tactile output generators 167. FIG. 1A shows tactile output generators coupled to haptic feedback controller 161 in I / O subsystem 106. Tactile output generator 167 optionally includes one or more electroacoustic devices, such as speakers or other audio components, and / or electromechanical devices that convert energy into linear motion, such as motors, solenoids, electroactive polymers, piezoelectric actuators, electrostatic actuators, or other tactile output generating components (e.g., components that convert electrical signals into tactile output on the device). Contact intensity sensor 165 receives haptic feedback generation instructions from haptic feedback module 133 and generates a tactile output on device 100 that can be sensed by a user of device 100. In some embodiments, at least one tactile output generator is located on or proximate to a touch-sensitive surface (e.g., touch-sensitive display system 112) and, optionally, generates a tactile output by moving the touch-sensitive surface vertically (e.g., in / out of the surface of device 100) or laterally (e.g., back and forth in the same plane as the surface of device 100). In some embodiments, at least one tactile output generator sensor is located on the back of device 100, opposite touchscreen display 112, which is located on the front of device 100.

[0110] Device 100 also optionally includes one or more accelerometers 168. FIG. 1A shows accelerometer 168 connected to peripherals interface 118. Alternatively, accelerometer 168 is optionally connected to input controller 160 in I / O subsystem 106. Accelerometer 168 optionally functions as described in U.S. Patent Application Publication Nos. 20050190059, "Acceleration-based Theft Detection System for Portable Electronic Devices," and 20060017692, "Methods And Apparatuses For Operating A Portable Device Based On An Accelerometer," both of which are incorporated herein by reference in their entireties. In some embodiments, information is displayed on a touchscreen display in portrait or landscape orientation based on an analysis of data received from one or more accelerometers. In addition to accelerometer(s) 168, device 100 optionally includes a magnetometer (not shown) and a GPS (or GLONASS or other global navigation system) receiver (not shown) for obtaining information regarding the location and orientation (e.g., portrait or landscape) of device 100.

[0111] In some embodiments, the software components stored in memory 102 include an operating system 126, a communications module (or instruction set) 128, a touch / motion module (or instruction set) 130, a graphics module (or instruction set) 132, a text input module (or instruction set) 134, a global positioning system (GPS) module (or instruction set) 135, and applications (or instruction sets) 136. Additionally, in some embodiments, as shown in FIGS. 1A and 3, memory 102 (FIG. 1A) or memory 370 (FIG. 3) stores device / global internal state 157. Device / global internal state 157 includes one or more of the following: an active application state, indicating which applications, if any, are currently active; a display state, indicating which applications, views, or other information occupy various regions of touchscreen display 112; a sensor state, including information obtained from the device's various sensors and input control devices 116; and location information regarding device position and / or orientation.

[0112] Operating system 126 (e.g., an embedded operating system such as Darwin, RTXC, LINUX, UNIX, OS X, iOS, WINDOWS, or VxWorks) includes various software components and / or drivers that control and manage general system tasks (e.g., memory management, storage control, power management, etc.) and facilitate communication between various hardware and software components.

[0113] Communications module 128 facilitates communication with other devices via one or more external ports 124 and includes various software components for processing data received by RF circuitry 108 and / or external port 124. External port 124 (e.g., Universal Serial Bus (USB), FIREWIRE®, etc.) is adapted to connect to other devices directly or indirectly through a network (e.g., the Internet, wireless LAN, etc.). In some embodiments, the external port is a multi-pin (e.g., 30-pin) connector the same as or similar to, and / or compatible with, the 30-pin connector used on iPod® (trademark of Apple Inc.) devices.

[0114] Contact / motion module 130, optionally in cooperation with display controller 156, detects contact with touch screen 112 and other touch-sensing devices (e.g., a touchpad or physical click wheel). Contact / motion module 130 includes various software components for performing various operations related to contact detection, such as determining whether contact occurs (e.g., detecting a finger-down event), determining the intensity of the contact (e.g., the force or pressure of the contact, or a surrogate for the force or pressure of the contact), determining whether there is contact movement and tracking the movement across the touch-sensitive surface (e.g., detecting one or more finger-drag events), and determining whether the contact has stopped (e.g., detecting a finger-up event or an interruption of the contact). Contact / motion module 130 receives contact data from the touch-sensitive surface. Determining the movement of the contact point represented by the series of contact data optionally includes determining the speed (magnitude), velocity (magnitude and direction), and / or acceleration (change in magnitude and / or direction) of the contact point. These actions are optionally applied to a single contact (e.g., a single finger contact) or multiple simultaneous contacts (e.g., "multi-touch" / multiple finger contacts). In some embodiments, contact / motion module 130 and display controller 156 detect contacts on the touchpad.

[0115] In some embodiments, contact / motion module 130 uses a set of one or more intensity thresholds for determining whether an action has been performed by a user (e.g., for determining whether a user has “clicked” on an icon). In some embodiments, at least a subset of the intensity thresholds are determined according to software parameters (e.g., the intensity thresholds are not determined by the activation threshold of a particular physical actuator and may be adjusted without modifying the physical hardware of device 100). For example, the mouse “click” threshold of a trackpad or touchscreen display may be set to any of a wide range of pre-defined thresholds without modifying the trackpad or touchscreen display hardware. Furthermore, in some implementations, a user of the device is provided with a software setting for adjusting one or more of the set of intensity thresholds (e.g., by adjusting individual intensity thresholds and / or by adjusting multiple intensity thresholds at once via a system-level click “intensity” parameter).

[0116] Contact / motion module 130 optionally detects gesture input by a user. Different gestures on the touch-sensitive surface have different contact patterns (e.g., different movements, timing, and / or intensity of detected contact). Thus, gestures are optionally detected by detecting particular contact patterns. For example, detecting a finger tap gesture includes detecting a finger down event (e.g., at an icon location), followed by detecting a finger lift (lift-off) event at the same location (or substantially the same location) as the finger down event. As another example, detecting a finger swipe gesture on the touch-sensitive surface includes detecting a finger down event, followed by detecting one or more finger drag events, followed by detecting a finger lift (lift-off) event.

[0117] Graphics module 132 includes various known software components for rendering and displaying graphics on touchscreen 112 or other display, including components for modifying the visual effects (e.g., brightness, transparency, saturation, contrast, or other visual characteristics) of the displayed graphics. As used herein, the term "graphics" includes any object that can be displayed to a user, including, but not limited to, text, web pages, icons (such as user interface objects including soft keys), digital images, video, animation, etc.

[0118] In some embodiments, graphics module 132 stores data representing the graphics to be used. Each graphic is optionally assigned a corresponding code. Graphics module 132 receives one or more codes specifying the graphics to be displayed, including coordinate data and other graphic characteristic data, as needed, from an application or the like, and then generates screen image data to output to display controller 156.

[0119] The tactile feedback module 133 includes various software components for generating instructions used by the tactile output generator(s) 167 to generate tactile outputs at one or more locations on the device 100 in response to user interaction with the device 100.

[0120] Text input module 134 is optionally a component of graphics module 132 and provides a soft keyboard for entering text in various applications (e.g., contacts 137, email 140, IM 141, browser 147, and any other application requiring text input).

[0121] The GPS module 135 determines the location of the device and provides this information for use in various applications (e.g., to the phone 138 for location-based telephony use, to the camera 143 as photo / video metadata, and to applications that provide location-based services such as weather widgets, local yellow pages widgets, and maps / navigation widgets).

[0122] Application 136 optionally includes the following modules (or sets of instructions), or a subset or superset thereof: a contacts module 137 (sometimes called an address book or contact list); Telephone module 138, Videoconferencing module 139, an email client module 140; an instant messaging (IM) module 141; Training Support Module 142, a camera module 143 for still and / or video images; an image management module 144; Video playback module, Music playback module, Browser module 147, a calendar module 148; a widget module 149, optionally including one or more of a weather widget 149-1, a stock price widget 149-2, a calculator widget 149-3, an alarm clock widget 149-4, a dictionary widget 149-5, and other widgets obtained by the user, and a user-created widget 149-6; a widget creation module 150 for creating user-created widgets 149-6; Search module 151, a video and music playback module 152, which integrates a video playback module and a music playback module; Memo module 153, Map module 154, and / or Online Video Module 155.

[0123] Examples of other applications 136 optionally stored in memory 102 include other word processing applications, other image editing applications, drawing applications, presentation applications, JAVA® enabled applications, encryption, digital rights management, voice recognition, and voice duplication.

[0124] The contacts module 137, along with the touch screen 112, the display controller 156, the touch module 130, the graphics module 132, and the text input module 134, is optionally used to manage an address book or contact list (e.g., stored in the memory 102 or in the application internal state 192 of the contacts module 137 in the memory 370), including adding a name(s) to the address book, deleting a name(s) from the address book, associating phone number(s), email address(es), street address(es), or other information with a name, associating an image with a name, categorizing and sorting names, providing phone numbers or email addresses to initiate and / or facilitate communication by telephone 138, video conferencing module 139, email 140, or IM 141, etc.

[0125] In conjunction with RF circuitry 108, audio circuitry 110, speaker 111, microphone 113, touchscreen 112, display controller 156, contact / motion module 130, graphics module 132, and text input module 134, telephone module 138 is optionally used to enter a series of characters corresponding to a telephone number, access one or more telephone numbers in contacts module 137, modify an entered telephone number, dial the corresponding telephone number, conduct a conversation, and disconnect or hang up when the conversation is completed. As noted above, wireless communication optionally uses any of a number of communication standards, protocols, and technologies.

[0126] In conjunction with RF circuitry 108, audio circuitry 110, speaker 111, microphone 113, touch screen 112, display controller 156, light sensor 164, light sensor controller 158, touch / motion module 130, graphics module 132, text input module 134, contacts module 137, and telephone module 138, videoconferencing module 139 includes executable instructions for initiating, conducting, and terminating videoconferences between a user and one or more other participants in accordance with the user's commands.

[0127] In cooperation with RF circuitry 108, touch screen 112, display controller 156, contact / motion module 130, graphics module 132, and text input module 134, email client module 140 contains executable instructions for creating, sending, receiving, and managing emails in response to user commands. In cooperation with image management module 144, email client module 140 greatly facilitates creating and sending emails with attached still or video images captured by camera module 143.

[0128] In cooperation with RF circuitry 108, touchscreen 112, display controller 156, contact / motion module 130, graphics module 132, and text input module 134, instant messaging module 141 includes executable instructions for entering text corresponding to an instant message, modifying previously entered text, sending the corresponding instant message (e.g., using Short Message Service (SMS) or Multimedia Message Service (MMS) protocols for telephone-based instant messaging, or using XMPP, SIMPLE, or IMPS for Internet-based instant messaging), receiving instant messages, and viewing received instant messages. In some embodiments, sent and / or received instant messages optionally include graphics, photos, audio files, video files, and / or other attachments, such as those supported by MMS and / or Enhanced Messaging Service (EMS). As used herein, "instant messaging" refers to both telephone-based messages (e.g., messages sent using SMS or MMS) and Internet-based messages (e.g., messages sent using XMPP, SIMPLE, or IMPS).

[0129] In conjunction with the RF circuitry 108, touchscreen 112, display controller 156, contact / motion module 130, graphics module 132, text input module 134, GPS module 135, map module 154, and music playback module, the training support module 142 includes executable instructions for: creating workouts (e.g., with time, distance, and / or calorie burn goals), communicating with training sensors (sports devices), receiving training sensor data, calibrating sensors used to monitor the workout, selecting and playing music for the workout, and displaying, storing, and transmitting the workout data.

[0130] In conjunction with touch screen 112, display controller 156, light sensor(s) 164, light sensor controller 158, contact / motion module 130, graphics module 132, and image management module 144, camera module 143 contains executable instructions to capture still images or video (including video streams) and store them in memory 102, change the characteristics of the still images or video, or delete the still images or video from memory 102.

[0131] In conjunction with touchscreen 112, display controller 156, contact / motion module 130, graphics module 132, text input module 134, and camera module 143, image management module 144 includes executable instructions for arranging, modifying (e.g., editing) or otherwise manipulating, labeling, deleting, presenting (e.g., in a digital slideshow or album), and storing still and / or video images.

[0132] In conjunction with RF circuitry 108, touch screen 112, display controller 156, contact / motion module 130, graphics module 132, and text input module 134, browser module 147 contains executable instructions for browsing the Internet according to user commands, including retrieving, linking to, receiving, and displaying web pages or portions thereof, as well as attachments and other files linked to web pages.

[0133] In conjunction with RF circuitry 108, touch screen 112, display controller 156, contact / motion module 130, graphics module 132, text input module 134, email client module 140, and browser module 147, calendar module 148 contains executable instructions to create, display, modify, and store calendars and data associated with calendars (e.g., calendar entries, to-do lists, etc.) in accordance with user commands.

[0134] In conjunction with RF circuitry 108, touch screen 112, display controller 156, touch / motion module 130, graphics module 132, text input module 134, and browser module 147, widget module 149 is a mini-application optionally downloaded and used by a user (e.g., weather widget 149-1, stock price widget 149-2, calculator widget 149-3, alarm clock widget 149-4, and dictionary widget 149-5), or a mini-application created by a user (e.g., user-created widget 149-6). In some embodiments, a widget includes an HTML (HyperText Markup Language) file, a CSS (Cascading Style Sheets) file, and a JavaScript file. In some embodiments, a widget includes an XML (Extensible Markup Language) file and a JavaScript file (e.g., Yahoo! Widget).

[0135] In conjunction with RF circuitry 108, touch screen 112, display controller 156, touch / motion module 130, graphics module 132, text input module 134, and browser module 147, widget creation module 150 is optionally used by a user to create widgets (e.g., turn user-specified portions of a web page into widgets).

[0136] In cooperation with touch screen 112, display controller 156, contact / motion module 130, graphics module 132, and text input module 134, search module 151 contains executable instructions for searching memory 102 for text, music, sound, images, video, and / or other files that match one or more search criteria (e.g., one or more user-specified search terms) in accordance with a user's commands.

[0137] In cooperation with touchscreen 112, display controller 156, contact / motion module 130, graphics module 132, audio circuitry 110, speaker 111, RF circuitry 108, and browser module 147, video and music playback module 152 contains executable instructions that enable a user to download and play pre-recorded music and other sound files stored in one or more file formats, such as MP3 or AAC files, as well as executable instructions to display, present, or otherwise play videos (on touchscreen 112 or on an external display connected via external port 124). In some embodiments, device 100 optionally includes the functionality of an MP3 player, such as an iPod (a trademark of Apple Inc.).

[0138] In conjunction with touch screen 112, display controller 156, contact / motion module 130, graphics module 132, and text input module 134, notes module 153 contains executable instructions for creating and managing notes, to-do lists, and the like according to user commands.

[0139] In conjunction with RF circuitry 108, touchscreen 112, display controller 156, touch / motion module 130, graphics module 132, text input module 134, GPS module 135, and browser module 147, map module 154 is optionally used to receive, display, modify, and store maps and data associated with maps (e.g., driving directions, data about stores and other points of interest at or near a particular location, and other location-based data) in accordance with user instructions.

[0140] In cooperation with touchscreen 112, display controller 156, contact / motion module 130, graphics module 132, audio circuitry 110, speaker 111, RF circuitry 108, text input module 134, email client module 140, and browser module 147, online video module 155 contains instructions that enable a user to access, view, receive (e.g., by streaming and / or downloading), play (e.g., on the touchscreen or on an external display connected via external port 124), and send and otherwise manage emails containing links to particular online videos in one or more file formats, such as H.264. In some embodiments, instant messaging module 141 is used to send links to particular online videos, rather than email client module 140. Additional description of online video applications can be found in U.S. Provisional Patent Application No. 60 / 936,562, filed June 20, 2007, entitled "Portable Multifunction Device, Method, and Graphical User Interface for Playing Online Videos," and U.S. Patent Application No. 11 / 968,067, filed December 31, 2007, entitled "Portable Multifunction Device, Method, and Graphical User Interface for Playing Online Videos," the contents of which are incorporated by reference herein in their entireties.

[0141] Each of the above-identified modules and applications corresponds to an executable instruction set and method described herein (e.g., a computer-implemented method and other information processing method described herein) that performs one or more of the above functions. These modules (e.g., instruction sets) need not be implemented as separate software programs, procedures, or modules; thus, various embodiments optionally combine or otherwise rearrange various subsets of these modules. For example, a video playback module is optionally combined with a music playback module into a single module (e.g., video and music playback module 152 of FIG. 1A ). In some embodiments, memory 102 optionally stores a subset of the above-identified modules and data structures. Additionally, memory 102 optionally stores additional modules and data structures not described above.

[0142] In some embodiments, device 100 is a device in which operation of a predetermined set of functions on the device is performed exclusively via a touchscreen and / or touchpad. Using the touchscreen and / or touchpad as the primary input control device for operation of device 100 optionally reduces the number of physical input control devices (pushbuttons, dials, etc.) on device 100.

[0143] The set of predetermined functions performed exclusively via the touchscreen and / or touchpad optionally includes navigation between user interfaces. In some embodiments, the touchpad, when touched by a user, navigates device 100 to a main menu, home menu, or root menu from any user interface displayed on device 100. In such embodiments, a "menu button" is implemented using the touchpad. In some other embodiments, the menu button is a physical push button or other physical input control device instead of a touchpad.

[0144] 1B is a block diagram illustrating exemplary components for event processing, according to some embodiments. In some embodiments, memory 102 (FIG. 1A) or memory 370 (FIG. 3) includes an event sorter 170 (e.g., in operating system 126) and a corresponding application 136-1 (e.g., any of applications 137-151, 155, 380-390 described above).

[0145] Event sorter 170 receives the event information and determines the application 136-1 and application view 191 of application 136-1 to which the event information should be delivered. Event sorter 170 includes an event monitor 171 and an event dispatcher module 174. In some embodiments, application 136-1 includes application internal state 192 that indicates the current application view(s) that are displayed on touch-sensitive display 112 when the application is active or running. In some embodiments, device / global internal state 157 is used by event sorter 170 to determine which application(s) are currently active, and application internal state 192 is used by event sorter 170 to determine the application view 191 to which the event information should be delivered.

[0146] In some embodiments, application internal state 192 includes additional information such as one or more of resume information used when application 136-1 resumes execution, user interface state information indicating information being displayed or ready to be displayed by application 136-1, a state queue to allow the user to return to a previous state or view of application 136-1, and a redo / undo queue of actions previously performed by the user.

[0147] Event monitor 171 receives event information from peripherals interface 118. The event information includes information about sub-events (e.g., a user's touch on touch-sensitive display 112 as part of a multi-touch gesture). Peripherals interface 118 transmits information it receives from I / O subsystem 106 or sensors such as proximity sensor 166, accelerometer(s) 168, and / or microphone 113 (via audio circuitry 110). Information that peripherals interface 118 receives from I / O subsystem 106 includes information from touch-sensitive display 112 or the touch-sensitive surface.

[0148] In some embodiments, event monitor 171 sends requests to peripherals interface 118 at predetermined intervals. In response, peripherals interface 118 transmits event information. In other embodiments, peripherals interface 118 transmits event information only when there is a significant event (e.g., receiving an input that exceeds a predetermined noise threshold and / or exceeds a predetermined duration).

[0149] In some embodiments, the event sorter 170 also includes a hit view determination module 172 and / or an active event recognizer determination module 173 .

[0150] Hit view determination module 172 provides software procedures for determining where a sub-event occurred within one or more views when touch-sensitive display 112 displays more than one view. A view consists of controls and other elements that a user can see on the display.

[0151] Another aspect of a user interface associated with an application is the set of views, sometimes referred to herein as application views or user interface windows, in which information is displayed and touch-based gestures are made. The application view (of the respective application) in which a touch is detected optionally corresponds to a programmatic level within the application's programmatic or view hierarchy. For example, the lowest-level view in which a touch is detected is optionally referred to as the hit view, and the set of events that are recognized as suitable inputs is optionally determined based, at least in part, on the hit view of the initial touch that initiates the touch-based gesture.

[0152] Hit view determination module 172 receives information associated with sub-events of a touch-based gesture. If an application has multiple views organized as a hierarchy, hit view determination module 172 identifies the hit view as the lowest view in the hierarchy that should process the sub-event. In most situations, the hit view is the lowest-level view in which the first sub-event occurs (e.g., the first sub-event in a sequence of sub-events that form an event or potential event). Once a hit view is identified by hit view determination module 172, the hit view typically receives all sub-events related to the same touch or input source for which it was identified as the hit view.

[0153] Active event recognizer determination module 173 determines which view(s) in the view hierarchy should receive the particular sequence of sub-events. In some embodiments, active event recognizer determination module 173 determines that only the hit view should receive the particular sequence of sub-events. In other embodiments, active event recognizer determination module 173 determines that all views that contain the physical location of the sub-events are actively participating views, and therefore determines that all actively participating views should receive the particular sequence of sub-events. In other embodiments, even if the touch sub-event is completely confined to the area associated with a particular view, views higher in the hierarchy still remain actively participating views.

[0154] Event dispatcher module 174 sends the event information to an event recognizer (e.g., event recognizer 180). In embodiments that include active event recognizer determination module 173, event dispatcher module 174 delivers the event information to the event recognizer determined by active event recognizer determination module 173. In some embodiments, event dispatcher module 174 stores event information obtained by a corresponding event receiver 182 in an event queue.

[0155] In some embodiments, operating system 126 includes event sorter 170. Alternatively, application 136-1 includes event sorter 170. In still other embodiments, event sorter 170 is a stand-alone module or part of another module stored in memory 102, such as contact / motion module 130.

[0156] In some embodiments, application 136-1 includes multiple event handlers 190 and one or more application views 191, each containing instructions for processing touch events occurring within a respective view of the application's user interface. Each application view 191 of application 136-1 includes one or more event recognizers 180. Typically, each application view 191 includes multiple event recognizers 180. In other embodiments, one or more of the event recognizers 180 are part of a separate module, such as a user interface kit (not shown) or a higher-level object from which application 136-1 inherits methods and other properties. In some embodiments, each event handler 190 includes one or more of a data updater 176, an object updater 177, a GUI updater 178, and / or event data 179 received from event sorter 170. Event handler 190 optionally utilizes or invokes data updater 176, object updater 177, or GUI updater 178 to update application internal state 192. Alternatively, one or more of the application views 191 includes one or more corresponding event handlers 190. Also, in some embodiments, one or more of the data updater 176, the object updater 177, and the GUI updater 178 are included in the corresponding application view 191.

[0157] Each event recognizer 180 receives event information (e.g., event data 179) from event sorter 170 and identifies an event from the event information. Event recognizer 180 includes an event receiver 182 and an event comparator 184. In some embodiments, event recognizer 180 further includes metadata 183 and at least a subset of event delivery instructions 188 (optionally including sub-event delivery instructions).

[0158] The event receiver 182 receives event information from the event sorter 170. This event information includes information about sub-events, such as information about a touch or touch movement. Depending on the sub-event, the event information also includes additional information, such as the position of the sub-event. When the sub-event involves touch movement, the event information optionally further includes the speed and direction of the sub-event. In some embodiments, the event includes a device rotation from one orientation to another (e.g., from portrait to landscape or vice versa), and the event information includes corresponding information about the device's current orientation (also called the device's attitude).

[0159] The event comparator 184 compares the event information with predefined event or sub-event definitions and determines the event or sub-event, or determines or updates the state of the event or sub-event, based on the comparison. In some embodiments, the event comparator 184 includes an event definition 186. The event definition 186 includes a definition of an event (e.g., a predefined sequence of sub-events), such as Event 1 (187-1), Event 2 (187-2), etc. In some embodiments, sub-events within an event (187) include, for example, touch start, touch end, touch movement, touch cancellation, and multiple touches. In one example, the definition of Event 1 (187-1) is a double tap on a displayed object. This double tap includes, for example, a first touch on a displayed object for a predetermined stage (touch start), a first lift-off (touch end) for the predetermined stage, a second touch on a displayed object for the predetermined stage (touch start), and a second lift-off (touch end) for the predetermined stage. In another example, the definition of event 2 (187-2) is a drag operation on a displayed object, including, for example, a touch (or contact) on the displayed object for a predetermined step, a movement of the touch across the touch-sensitive display 112, and a lift-off of the touch (end of the touch). In some embodiments, the event also includes information about one or more associated event handlers 190.

[0160] In some embodiments, event definitions 187 include definitions of events for each user interface object. In some embodiments, event comparator 184 performs a hit test to determine which user interface objects are associated with the sub-event. For example, in an application view in which three user interface objects are displayed on touch-sensitive display 112, if a touch is detected on touch-sensitive display 112, event comparator 184 performs a hit test to determine which of the three user interface objects is associated with the touch (sub-event). If each displayed object is associated with a corresponding event handler 190, event comparator 184 uses the results of the hit test to determine which event handler 190 to activate. For example, event comparator 184 selects the event handler associated with the sub-event and the object that triggers the hit test.

[0161] In some embodiments, each event 187 definition also includes a delay action that delays delivery of the event information until it is determined whether the sequence of sub-events corresponds or does not correspond to the event type of the event recognizer.

[0162] If the respective event recognizer 180 determines that the sequence of sub-events does not match any of the events in the event definition 186, the respective event recognizer 180 transitions to an event-disabled, event-failed, or event-ended state and thereafter ignores the next sub-event of the touch-based gesture. In this situation, any other event recognizers that remain active with respect to the hit view continue to track and process sub-events of the ongoing touch-based gesture.

[0163] In some embodiments, each event recognizer 180 includes metadata 183 with configurable properties, flags, and / or lists that indicate how the event delivery system performs sub-event delivery to actively participating event recognizers. In some embodiments, metadata 183 includes configurable properties, flags, and / or lists that indicate how event recognizers may or are enabled to interact with each other. In some embodiments, metadata 183 includes configurable properties, flags, and / or lists that indicate whether sub-events are delivered to various levels in the view or programmatic hierarchy.

[0164] In some embodiments, each event recognizer 180 activates an event handler 190 associated with an event when one or more specific sub-events of the event are recognized. In some embodiments, each event recognizer 180 delivers event information associated with the event to the event handler 190. Activating an event handler 190 is distinct from sending (and postponing sending) the sub-events to the corresponding hit view. In some embodiments, the event recognizer 180 throws a flag associated with the recognized event, and the event handler 190 associated with the flag catches the flag and performs a predetermined process.

[0165] In some embodiments, the event delivery instructions 188 include sub-event delivery instructions that deliver event information about a sub-event without activating an event handler. Instead, the sub-event delivery instructions deliver the event information to an event handler associated with a set of sub-events or an actively participating view. The event handler associated with the set of sub-events or an actively participating view receives the event information and performs a predetermined process.

[0166] In some embodiments, data updater 176 creates and updates data used by application 136-1. For example, data updater 176 updates phone numbers used by contacts module 137 or stores video files used by video playback module. In some embodiments, object updater 177 creates and updates objects used by application 136-1. For example, object updater 177 creates new user interface objects or updates the positions of user interface objects. GUI updater 178 updates the GUI. For example, GUI updater 178 prepares display information and sends it to graphics module 132 for display on the touch-sensitive display.

[0167] In some embodiments, event handler(s) 190 include or have access to data updater 176, object updater 177, and GUI updater 178. In some embodiments, data updater 176, object updater 177, and GUI updater 178 are included in a single module of the respective application 136-1 or application view 191. In other embodiments, they are included in two or more software modules.

[0168] It should be understood that the foregoing description of event processing of a user's touch on a touch-sensitive display also applies to other forms of user input for operating multifunction device 100 using input devices, not all of which are initiated on the touchscreen. For example, mouse movements and mouse button presses, optionally in conjunction with single or multiple keyboard presses or holds, touch movements such as tapping, dragging, scrolling, etc. on a touchpad, pen stylus input, device movement, verbal commands, detected eye movements, biometric input, and / or any combination thereof are optionally utilized as inputs corresponding to sub-events that define the event to be recognized.

[0169] FIG. 2 illustrates portable multifunction device 100 having touchscreen 112, according to some embodiments. The touchscreen optionally displays one or more graphics within user interface (UI) 200. In this embodiment, as well as other embodiments described below, a user can select one or more of the graphics by making a gesture on the graphics, for example, with one or more fingers 202 (not drawn to scale) or one or more styluses 203 (not drawn to scale). In some embodiments, selection of one or more graphics occurs when the user loses contact with the one or more graphics. In some embodiments, the gesture optionally includes one or more taps, one or more swipes (left to right, right to left, upward and / or downward), and / or rolling of a finger in contact with device 100 (right to left, left to right, upward and / or downward). In some implementations or situations, accidental contact with a graphic does not select the graphic. For example, if the gesture corresponding to selection is a tap, a swipe gesture sweeping over an application icon optionally does not select the corresponding application.

[0170] Device 100 also optionally includes one or more physical buttons, such as a "home" or menu button 204. As mentioned above, menu button 204 is optionally used for navigation to any application 136 in a set of applications optionally running on device 100. Alternatively, in some embodiments, the menu button is implemented as a soft key in a GUI displayed on touchscreen 112.

[0171] In some embodiments, device 100 includes touchscreen 112, menu button 204, pushbutton 206 for turning power to the device on / off and locking the device, volume control button(s) 208, subscriber identity module (SIM) card slot 210, headset jack 212, and external docking / charging port 124. Pushbutton 206 turns power on / off on the device by pressing and holding the button down for a predetermined time, locks the device by pressing and releasing the button before the predetermined time has elapsed, and / or unlocks the device or initiates a lock / unlock process. In alternative embodiments, device 100 also receives verbal input through microphone 113 for activating or deactivating certain functions. Device 100 also optionally includes one or more contact intensity sensors 165 for detecting the intensity of a contact on touchscreen 112 and / or one or more tactile output generators 167 for generating a tactile output for a user of device 100.

[0172] FIG. 3 is a block diagram of an exemplary multifunction device with a display and a touch-sensitive surface, according to some embodiments. Device 300 need not be portable. In some embodiments, device 300 is a laptop computer, a desktop computer, a tablet computer, a multimedia playback device, a navigation device, an educational device (such as a child's learning toy), a gaming system, or a control device (e.g., a home or commercial controller). Device 300 typically includes one or more processing units (CPUs) 310, one or more network or other communication interfaces 360, memory 370, and one or more communication buses 320 for interconnecting these components. Communication bus 320 optionally includes circuitry (sometimes called a chipset) that interconnects and controls communication between system components. Device 300 includes an input / output (I / O) interface 330 with a display 340, which is typically a touchscreen display. I / O interface 330 also optionally includes a keyboard and / or mouse (or other pointing device) 350, as well as a touchpad 355, a tactile output generator 357 (e.g., similar to tactile output generator(s) 167 described above with reference to FIG. 1A ) for generating tactile output on device 300, and sensors 359 (e.g., optical sensors, acceleration sensors, proximity sensors, touch-sensitive sensors, and / or contact intensity sensors similar to contact intensity sensor(s) 165 described above with reference to FIG. 1A ). Memory 370 includes high-speed random-access memory such as DRAM, SRAM, DDR RAM, or other random-access solid-state memory devices, and optionally includes non-volatile memory such as one or more magnetic disk storage devices, optical disk storage devices, flash memory devices, or other non-volatile solid-state storage devices. Memory 370 optionally includes one or more storage devices that are remote from CPU(s) 310.In some embodiments, memory 370 stores programs, modules, and data structures similar to, or a subset of, the programs, modules, and data structures stored in memory 102 of portable multifunction device 100 (FIG. 1A). Additionally, memory 370 optionally stores additional programs, modules, and data structures not present in memory 102 of portable multifunction device 100. For example, memory 370 of device 300 optionally stores drawing module 380, presentation module 382, ​​word processing module 384, website creation module 386, disc authoring module 388, and / or spreadsheet module 390, while memory 102 of portable multifunction device 100 (FIG. 1A) optionally does not store these modules.

[0173] 3 is optionally stored in one or more of the memory devices mentioned above. Each of the above-identified modules corresponds to an instruction set that performs the functions described above. The above-identified modules or programs (e.g., instruction sets) optionally need not be implemented as separate software programs, procedures, or modules; thus, various embodiments combine or otherwise rearrange various subsets of these modules. In some embodiments, memory 370 optionally stores a subset of the above-identified modules and data structures. Additionally, memory 370 optionally stores additional modules and data structures not described above.

[0174] Attention is now directed to embodiments of user interfaces, for example, optionally implemented on portable multifunction device 100.

[0175] 4A shows an exemplary user interface for a menu of applications on portable multifunction device 100, according to some embodiments. A similar user interface is, optionally, implemented on device 300. In some embodiments, user interface 400 includes the following elements, or a subset or superset thereof: signal strength indicator(s) 402 for wireless communication(s), such as cellular and Wi-Fi signals; ●Time 404, ●Bluetooth (registered trademark) indicator 405, ● Battery status indicator 406, A tray 408 with icons for frequently used applications, such as: an icon 416 for the phone module 138, labeled "Phone," optionally including an indicator 414 of the number of missed calls or voicemail messages; an icon 418 for the email client module 140, labeled "Mail," optionally including an indicator 410 of the number of unread emails; ○ An icon 420 for the browser module 147, labeled "Browser"; and ○ An icon 422 for the video and music playback module 152, also called the iPod (trademark of Apple Inc.) module 152, labeled "iPod"; and ●Icons for other applications, such as: ○ Icon 424 for IM module 141, labeled "Messages"; ○ An icon 426 for the calendar module 148, labeled "Calendar"; ○ Icon 428 for the image management module 144, labeled "Photos"; ○ An icon 430 for the camera module 143, labeled "camera"; ○ Icon 432 for the online video module 155, labeled "Online Video"; Icon 434 for stock price widget 149-2, labeled "Stock Price" ○ Icon 436 for map module 154, labeled "Map"; ○ Icon 438 for weather widget 149-1, labeled "Weather" ○ Icon 440 for alarm clock widget 149-4, labeled "Clock" ○ An icon 442 for the training support module 142, labeled "Training Support"; ○ An icon 444 for the notes module 153, labeled "Notes"; and An icon 446 for a settings application or module, labeled "Settings," that provides access to settings related to the device 100 and its various applications 136.

[0176] 4A are merely exemplary. For example, icon 422 for video and music playback module 152 is labeled "Music" or "Music Player." Other labels are optionally used for various application icons. In some embodiments, the label for each application icon includes the name of the application corresponding to the respective application icon. In some embodiments, the label for a particular application icon is different from the name of the application corresponding to the particular application icon.

[0177] 4B shows an exemplary user interface on a device (e.g., device 300 of FIG. 3) that includes a touch-sensitive surface 451 (e.g., tablet or touchpad 355 of FIG. 3) that is separate from display 450 (e.g., touchscreen display 112). Device 300 also optionally includes one or more contact intensity sensors (e.g., one or more of sensors 359) for detecting the intensity of a contact on touch-sensitive surface 451 and / or one or more tactile output generators 357 for generating a tactile output for a user of device 300.

[0178] Although some of the following examples are described with reference to input on touchscreen display 112 (when the touch-sensitive surface and display are combined), in some embodiments, the device detects input on a touch-sensitive surface that is separate from the display, as shown in FIG. 4B . In some embodiments, this touch-sensitive surface (e.g., 451 in FIG. 4B ) has a major axis (e.g., 452 in FIG. 4B ) that corresponds to a major axis (e.g., 453 in FIG. 4B ) on the display (e.g., 450). According to these embodiments, the device detects contact with touch-sensitive surface 451 (e.g., 460 and 462 in FIG. 4B ) at locations that correspond to their respective locations on the display (e.g., in FIG. 4B , 460 corresponds to 468 and 462 corresponds to 470). In this manner, when the touch-sensitive surface is separate from the display, user input (e.g., contacts 460 and 462 and their movement) detected by the device on the touch-sensitive surface (e.g., 451 in FIG. 4B ) is used by the device to operate a user interface on the display (e.g., 450 in FIG. 4B ) of the multifunction device. It should be understood that similar methods are optionally used for the other user interfaces described herein.

[0179] Additionally, while the following description is primarily described with reference to finger input (e.g., finger contacts, finger tap gestures, finger swipe gestures), it should be understood that in some embodiments, one or more of the finger inputs are replaced with input from another input device (e.g., mouse-based input or stylus input). For example, a swipe gesture is optionally replaced with a mouse click (e.g., instead of a contact), followed by cursor movement along the path of the swipe (e.g., instead of moving the contact). As another example, a tap gesture is optionally replaced with a mouse click while the cursor is positioned over the location of the tap gesture (e.g., instead of detecting a contact and then ceasing contact detection). Similarly, when multiple user inputs are detected simultaneously, it will be understood that multiple computer mice are optionally being used simultaneously, or that a mouse and a finger contact are optionally being used simultaneously.

[0180] FIG. 5A shows an exemplary personal electronic device 500. Device 500 includes a main body 502. In some embodiments, device 500 may include some or all of the features described with respect to devices 100 and 300 (e.g., FIGS. 1A-4B ). In some embodiments, device 500 includes a touch-sensitive display screen 504, hereafter touchscreen 504. Instead of, or in addition to, touchscreen 504, device 500 includes a display and a touch-sensitive surface. Similar to devices 100 and 300, in some embodiments, touchscreen 504 (or the touch-sensitive surface) optionally includes one or more intensity sensors for detecting the intensity of an applied contact (e.g., a touch). The one or more intensity sensors in touchscreen 504 (or the touch-sensitive surface) can provide output data representing the intensity of the touch. The user interface of device 500 may respond to a touch based on the intensity of the touch, meaning that touches of different intensities may invoke different user interface actions on device 500.

[0181] Exemplary techniques for detecting and processing touch intensity can be found, for example, in related applications, International Patent Application No. PCT / US2013 / 040061, filed May 8, 2013, entitled "Device, Method, and Graphical User Interface for Displaying User Interface Objects Corresponding to an Application" (published as WO 2013 / 169849), and International Patent Application No. PCT / US2013 / 069483, filed November 11, 2013, entitled "Device, Method, and Graphical User Interface for Transitioning Between Touch Input to Display Output Relationships" (published as WO 2014 / 105276), each of which is incorporated herein by reference in its entirety.

[0182] In some embodiments, device 500 has one or more input mechanisms 506 and 508. Input mechanisms 506 and 508, if included, can be physical. Examples of physical input mechanisms include push buttons and rotatable mechanisms. In some embodiments, device 500 has one or more attachment mechanisms. Such attachment mechanisms, if included, can allow device 500 to be attached to, for example, hats, eyewear, earrings, necklaces, shirts, jackets, bracelets, watch bands, chains, pants, belts, shoes, wallets, backpacks, etc. These attachment mechanisms can allow device 500 to be worn by a user.

[0183] FIG. 5B illustrates an exemplary personal electronic device 500. In some embodiments, device 500 may include some or all of the components described with respect to FIGS. 1A, 1B, and 3. Device 500 has a bus 512 operably connecting an I / O unit 514 to one or more computer processors 516 and memory 518. I / O unit 514 may be connected to a display 504, which may have touch-sensing components 522 and, optionally, an intensity sensor 524 (e.g., a contact intensity sensor). Additionally, I / O unit 514 may connect to a communication unit 530 for receiving application and operating system data using Wi-Fi, Bluetooth, near-field communication (NFC), cellular, and / or other wireless communication technologies. Device 500 may include input mechanism 506 and / or input mechanism 508. Input mechanism 506 is optionally, for example, a rotatable input device or a depressible and rotatable input device. Input mechanism 508 is optionally a button in some embodiments.

[0184] Input mechanism 508 is optionally a microphone in some embodiments. Personal electronic device 500 optionally includes various sensors, such as a GPS sensor 532, an accelerometer 534, an orientation sensor 540 (e.g., a compass), a gyroscope 536, a motion sensor 538, and / or combinations thereof, all of which may be operably connected to I / O section 514.

[0185] The memory 518 of the personal electronic device 500 may include one or more non-transitory computer-readable storage media for storing computer-executable instructions that, when executed by one or more computer processors 516, may cause the computer processors to perform the techniques described below, including processes 800, 1000, 1200, 1400, 1600, 1800, and 2000, for example. The personal electronic device 500 is not limited to the components and configuration of FIG. 5B and may include other or additional components in multiple configurations.

[0186] As used herein, the term "affordance" refers to a user-interactive graphical user interface object that is optionally displayed on a display screen of device 100, 300, and / or 500 (FIGS. 1A-B, 3, and 5A-H). For example, images (e.g., icons), buttons, and text (e.g., hyperlinks) each, optionally, constitute an affordance.

[0187] As used herein, the term “focus selector” refers to an input element that indicates the current portion of a user interface with which a user is interacting. In some implementations involving a cursor or other position marker, when input (e.g., a press input) is detected on a touch-sensitive surface (e.g., touchpad 355 in FIG. 3 or touch-sensitive surface 451 in FIG. 4B ), if the cursor is over a particular user interface element (e.g., a button, window, slider, or other user interface element), the cursor acts as a “focus selector,” and the particular user interface element is adjusted according to the detected input. In some implementations involving a touchscreen display (e.g., touch-sensitive display system 112 in FIG. 1A or touchscreen 112 in FIG. 4A ) that allows direct interaction with user interface elements on the touchscreen display, contact detected on the touchscreen acts as a “focus selector,” such that when input (e.g., a press input by contact) is detected at the location of a particular user interface element (e.g., a button, window, slider, or other user interface element) on the touchscreen display, the particular user interface element is adjusted according to the detected input. In some implementations, focus is moved from one region of the user interface to another region of the user interface (e.g., by using the tab or arrow keys to move focus from one button to another) without a corresponding cursor movement or contact movement on the touchscreen display. In these implementations, the focus selector moves to follow the movement of focus between different regions of the user interface. Regardless of the specific form the focus selector takes, the focus selector is generally a user interface element (or a contact on a touchscreen display) that is controlled by the user to communicate the user's intended interaction with the user interface (e.g., by indicating to the device the user interface element with which the user intends to interact).For example, location of a focus selector (e.g., cursor, touch, or selection box) over a corresponding button while a press input is detected on a touch-sensitive surface (e.g., a touchpad or touchscreen) indicates that the user intends to activate that corresponding button (and not other user interface elements shown on the device's display).

[0188] As used herein and in the claims, the term "characteristic intensity" of a contact refers to a characteristic of that contact based on one or more intensities of the contact. In some embodiments, the characteristic intensity is based on a plurality of intensity samples. The characteristic intensity is optionally based on a predetermined number of intensity samples or a set of intensity samples collected within a predetermined time period (e.g., 0.05, 0.1, 0.2, 0.5, 1, 2, 5, 10 seconds) for a predetermined event (e.g., after detecting the contact, before detecting lift-off of the contact, before or after detecting the start of contact movement, before detecting the end of the contact, before or after detecting an increase in the intensity of the contact, and / or before or after detecting a decrease in the intensity of the contact). The characteristic intensity of the contact is optionally based on one or more of the maximum intensity of the contact, the mean value of the intensity of the contact, the average value of the intensity of the contact, the top 10% of the intensity of the contact, half the maximum intensity of the contact, 90% of the maximum intensity of the contact, etc. In some embodiments, the duration of the contact is used to determine the characteristic intensity (e.g., when the characteristic intensity is an average of the intensity of the contact over time). In some embodiments, the characteristic intensity is compared to a set of one or more intensity thresholds to determine whether an action is performed by the user. For example, the set of one or more intensity thresholds optionally includes a first intensity threshold and a second intensity threshold. In this example, a contact having a characteristic intensity that does not exceed the first threshold results in a first action being performed, a contact having a characteristic intensity that exceeds the first intensity threshold but not the second intensity threshold results in a second action being performed, and a contact having a characteristic intensity that exceeds the second threshold results in a third action being performed. In some embodiments, the comparison between the characteristic intensity and the one or more thresholds is not used to determine whether to perform the first or second action, but rather to determine whether to perform one or more actions (e.g., whether to perform each action or to forgo performing each action).

[0189] FIG. 5C illustrates the detection of multiple contacts 552A-552E on touch-sensitive display screen 504 by multiple intensity sensors 524A-524D. FIG. 5C additionally includes an intensity diagram illustrating the current intensity measurements of intensity sensors 524A-524D in terms of intensity units. In this example, the intensity measurements of intensity sensors 524A and 524D are each 9 intensity units, and the intensity measurements of intensity sensors 524B and 524C are each 7 intensity units. In some implementations, the total intensity is the sum of the intensity measurements of multiple intensity sensors 524A-524D, which in this example is 32 intensity units. In some embodiments, each contact is assigned a respective intensity that is a fraction of the total intensity. FIG. 5D illustrates the assignment of total intensity to contacts 552A-552E based on the distance of contacts 552A-552E from center of force 554. In this example, contacts 552A, 552B, and 552E are each assigned a contact intensity of 8 intensity units of the total intensity, and contacts 552C and 552D are each assigned a contact intensity of 4 intensity units of the total intensity. More generally, in some implementations, each contact j is assigned a respective intensity Ij, which is a portion of the total intensity A, according to a predetermined mathematical function Ij=A·(Dj / ΣDi), where Dj is the distance from the center of force to the respective contact j, and ΣDi is the sum of the distances from the center of force to all respective contacts (e.g., from i=1 to the end). The operations described with reference to FIGS. 5C-5D can be performed using electronic devices similar to or identical to device 100, 300, or 500. In some embodiments, the characteristic intensity of a contact is based on one or more intensities of the contact. In some embodiments, an intensity sensor is used to determine a single characteristic intensity (e.g., a single characteristic intensity of a single contact). Note that the intensity plots are not part of the displayed user interface, but are included in FIGS. 5C-5D to aid the reader.

[0190] In some embodiments, a portion of the gesture is identified for purposes of determining the characteristic intensity. For example, a touch-sensitive surface optionally receives successive swipe contacts that transition from a start position to an end position, where the intensity of the contact increases. In this example, the characteristic intensity of the contact at the end position is optionally based on only a portion of the swipe contacts (e.g., only the portion of the swipe contact at the end position), rather than the entire successive swipe contacts. In some embodiments, a smoothing algorithm is optionally applied to the intensity of the swipe contacts before determining the characteristic intensity of the contact. For example, the smoothing algorithm optionally includes one or more of an unweighted moving average smoothing algorithm, a triangular smoothing algorithm, a median filter smoothing algorithm, and / or an exponential smoothing algorithm. In some situations, these smoothing algorithms filter out small increases or decreases in the intensity of the swipe contacts for purposes of determining the characteristic intensity.

[0191] The intensity of the contact on the touch-sensitive surface is optionally characterized against one or more intensity thresholds, such as a contact-detection intensity threshold, a light pressure intensity threshold, a deep pressure intensity threshold, and / or one or more other intensity thresholds. In some embodiments, the light pressure intensity threshold corresponds to an intensity that will cause the device to perform an action typically associated with a physical mouse button or a trackpad click. In some embodiments, the deep pressure intensity threshold corresponds to an intensity that will cause the device to perform an action different from an action typically associated with a physical mouse button or a trackpad click. In some embodiments, if the contact is detected with a characteristic intensity below the light pressure intensity threshold (e.g., and above a slight contact-detection intensity threshold below which the contact is no longer detected), the device moves a focus selector according to the movement of the contact on the touch-sensitive surface without performing an action associated with the light pressure intensity threshold or the deep pressure intensity threshold. Generally, unless otherwise specified, these intensity thresholds are consistent across different sets of user interface diagrams.

[0192] An increase in the characteristic intensity of the contact from an intensity below the light pressure intensity threshold to an intensity between the light pressure intensity threshold and the deep pressure intensity threshold may be referred to as a "light press" input. An increase in the characteristic intensity of the contact from an intensity below the deep pressure intensity threshold to an intensity above the deep pressure intensity threshold may be referred to as a "deep press" input. An increase in the characteristic intensity of the contact from an intensity below the contact-detection intensity threshold to an intensity between the contact-detection intensity threshold and the light pressure intensity threshold may be referred to as detecting a contact on the touch surface. A decrease in the characteristic intensity of the contact from an intensity above the contact-detection intensity threshold to an intensity below the contact-detection intensity threshold may be referred to as detecting a lift-off of the contact from the touch surface. In some embodiments, the contact-detection intensity threshold is zero. In some embodiments, the contact-detection intensity threshold is greater than zero.

[0193] In some embodiments described herein, one or more actions are performed in response to detecting a gesture including the respective pressure input or in response to detecting the respective pressure input performed on the respective contact (or contacts), where the respective pressure input is detected at least in part based on detecting an increase in intensity of the contact (or contacts) above a pressure input intensity threshold. In some embodiments, the respective actions are performed in response to detecting an increase in intensity of the corresponding contact (e.g., a “downstroke” of the corresponding pressure input) above a pressure input intensity threshold. In some embodiments, the pressure input includes an increase in intensity of the corresponding contact above a pressure input intensity threshold and a subsequent decrease in intensity of the contact below the pressure input intensity threshold, and the corresponding action is performed in response to detecting a subsequent decrease in intensity of the corresponding contact below the pressure input threshold (e.g., an “upstroke” of the corresponding pressure input).

[0194] Figures 5E to 5H show the results of the light pressure intensity threshold (e.g., "IT" in Figure 5E). L " ) to the deep press intensity threshold (e.g., "IT D5 illustrates the detection of a gesture including a press input corresponding to an increase in the intensity of contact 562 to an intensity above a deep pressure intensity threshold (e.g., "IT 1"). The gesture performed with contact 562 is detected on touch-sensitive surface 560, and cursor 576 is displayed on displayed user interface 570 including application icons 572A-572D displayed in predefined area 574, through application icon 572B corresponding to App 2. In some embodiments, the gesture is detected on touch-sensitive display 504. An intensity sensor detects the intensity of the contact on touch-sensitive surface 560. The device detects when the intensity of contact 562 exceeds a deep pressure intensity threshold (e.g., "IT D ") is determined to have peaked above a deep pressure intensity threshold (e.g., "IT D In response to contact 562 having an intensity greater than 0.001, app2 displays reduced representations 578A-578C (e.g., thumbnails) of recently opened documents for app2, as shown in FIGS. 5F-5H. In some embodiments, the intensity is a characteristic intensity of the contact, which is compared to one or more intensity thresholds. Note that the intensity plot of contact 562 is not part of the displayed user interface, but is included in FIGS. 5E-5H for the reader's convenience.

[0195] In some embodiments, the display of representations 578A-578C includes animation. For example, representation 578A is initially displayed near application icon 572B, as shown in FIG. 5F. As the animation progresses, representation 578A moves up, displaying representation 578B near application icon 572B, as shown in FIG. 5G. Then, as shown in FIG. 5H, representation 578A moves up, and representation 578B moves up toward representation 578A, displaying representation 578C near application icon 572B. Representations 578A-578C form an array above icon 572B. In some embodiments, the animation progresses as a function of the intensity of contact 562, as shown in FIGS. 5F-5G, where the intensity of contact 562 exceeds a deep pressure intensity threshold (e.g., "ITD "). In some embodiments, the intensity on which the animation progression is based is a characteristic intensity of the contact. The operations described with reference to FIGS. 5E-5H can be performed using electronic devices similar or identical to device 100, 300, or 500.

[0196] In some embodiments, the device employs intensity hysteresis to avoid accidental inputs, sometimes referred to as “jitter,” and the device defines or selects a hysteresis intensity threshold having a predetermined relationship to the pressure input intensity threshold (e.g., the hysteresis intensity threshold is X intensity units below the pressure input intensity threshold, or the hysteresis intensity threshold is 75%, 90%, or some reasonable percentage of the pressure input intensity threshold). Thus, in some embodiments, the pressure input includes a corresponding increase in the intensity of the contact above the pressure input intensity threshold and a subsequent decrease in the intensity of the contact below a hysteresis intensity threshold corresponding to the pressure input intensity threshold, and a corresponding action is taken in response to detecting a subsequent decrease in the intensity of the corresponding contact below the hysteresis intensity threshold (e.g., an “upstroke” of the corresponding pressure input). Similarly, in some embodiments, a pressure input is detected only when the device detects an increase in the intensity of the contact from an intensity at or below the hysteresis intensity threshold to an intensity at or above the pressure input intensity threshold, and optionally a subsequent decrease in the intensity of the contact to an intensity at or below the hysteresis intensity, and a respective action is performed in response to detecting the pressure input (e.g., an increase in the intensity of the contact or a decrease in the intensity of the contact, as the case may be).

[0197] For ease of explanation, descriptions of operations performed in response to a pressure input associated with a pressure input intensity threshold or in response to a gesture including a pressure input are optionally triggered in response to detecting any of: an increase in the intensity of the contact above the pressure input intensity threshold, an increase in the intensity of the contact from an intensity below a hysteresis intensity threshold to an intensity above the pressure input intensity threshold, a decrease in the intensity of the contact below the pressure input intensity threshold, and / or a decrease in the intensity of the contact below a hysteresis intensity threshold corresponding to the pressure input intensity threshold. Additionally, in embodiments where an operation is described as being performed in response to detecting a decrease in the intensity of the contact below a pressure input intensity threshold, the operation is optionally performed in response to detecting a decrease in the intensity of the contact below a hysteresis intensity threshold corresponding to and lower than the pressure input intensity threshold.

[0198] 6 illustrates exemplary devices connected via one or more communication channels to participate in a transaction, according to some embodiments. One or more exemplary electronic devices (e.g., devices 100, 300, and 500) are optionally configured to detect input (e.g., specific user input, NFC field) and, optionally, transmit payment information (e.g., using NFC). One or more electronic devices are optionally configured to include NFC hardware and be NFC-enabled.

[0199] An electronic device (e.g., devices 100, 300, and 500) is optionally configured to store payment account information associated with each of one or more payment accounts. The payment account information includes, for example, one or more of a person's or company's name, a billing address, a login, a password, an account number, an effective date, a security code, a telephone number, a bank associated with the payment account (e.g., an issuing bank), and a card network identifier. In some embodiments, the payment account information includes an image, such as a photograph of a payment card (e.g., taken by and / or received at the device). In some embodiments, the electronic device receives user input including at least some payment account information (e.g., receives a user-entered credit, debit, account, or gift card number and an effective date). In some embodiments, the electronic device detects at least some payment account information from an image (e.g., of a payment card captured by a camera sensor of the device). In some embodiments, the electronic device receives at least some payment account information from another device (e.g., another user device or a server). In some embodiments, the electronic device receives payment account information from a server associated with an account for the user or another service (e.g., an application for renting or selling audio and / or video files) that the user device has previously purchased or identified payment account data for.

[0200] In some embodiments, a payment account is added to an electronic device (e.g., devices 100, 300, and 500), thereby securely storing the payment account information on the electronic device. In some examples, after a user initiates such a process, the electronic device transmits information about the payment account to a transaction reconciliation server, which then communicates with a server operated by the payment network for the account (e.g., a payment server) to ensure the validity of the information. The electronic device is optionally configured to receive a script from the server that enables the electronic device to program the payment information for the account onto a secure element.

[0201] In some embodiments, communication between electronic devices 100, 300, and 500 facilitates a transaction (e.g., globally or specifically). For example, a first electronic device (e.g., 100) can serve as a provisioning or management device and send notifications of new or updated payment account data (e.g., information about a new account, updated information about an existing account, and / or alerts related to an existing account) to a second electronic device (e.g., 500). In another example, a first electronic device (e.g., 100) can send data to a second selection device, the data reflecting information about a payment transaction facilitated at the first electronic device. The information optionally includes one or more of the payment amount, the account used, the time of purchase, and whether the default account has changed. The second device (e.g., 500) optionally uses such information to update the default payment account (e.g., based on a learning algorithm or explicit user input).

[0202] The electronic devices (e.g., 100, 300, 500) are configured to communicate with each other over any of a variety of networks. For example, the devices communicate using a Bluetooth® connection 608 (e.g., including a conventional Bluetooth® connection or a Bluetooth® low energy connection) or using a WiFi network 606. Communications between user devices are optionally conditioned to reduce the likelihood of inappropriate sharing of information across devices. For example, communications related to payment information require the communicating devices to be paired (e.g., associated with each other via explicit user interaction) or associated with the same user account.

[0203] In some embodiments, an electronic device (e.g., 100, 300, 500) is used to communicate with a point-of-sale (POS) payment terminal 600, which is optionally NFC-enabled. Communication optionally occurs using various communication channels and / or technologies. In some implementations, the electronic device (e.g., 100, 300, 500) communicates with the payment terminal 600 using an NFC channel 610. In some implementations, the payment terminal 600 communicates with the electronic device (e.g., 100, 300, 500) using a peer-to-peer NFC mode. The electronic device (e.g., 100, 300, 500) is optionally configured to send a signal to the payment terminal 600 that includes payment information about a payment account (e.g., a default account or an account selected for a particular transaction).

[0204] In some embodiments, proceeding with the transaction includes transmitting a signal including payment information for an account, such as a payment account. In some embodiments, proceeding with the transaction includes reconfiguring the electronic device (e.g., 100, 300, 500) to respond as a contactless payment card, such as an NFC-enabled contactless payment card, and then transmitting account authentication information via NFC to a payment terminal 600 or the like. In some embodiments, following transmitting the account authentication information via NFC, the electronic device reconfigures itself to not respond as a contactless payment card (e.g., requiring authorization before being reconfigured to respond as a contactless payment card via NFC again).

[0205] In some embodiments, the generation and / or transmission of the signal is controlled by a secure element in the electronic device (e.g., 100, 300, 500). The secure element optionally requires a specific user input before releasing the payment information. For example, the secure element optionally requires detection of the electronic device being worn, detection of a button press, detection of entry of a PIN number, detection of a touch, detection of selection of one or more options (e.g., received while interacting with an application), detection of a fingerprint signature, detection of a voice or speech command, and / or detection of a gesture or movement (e.g., rotation or acceleration). In some embodiments, if a communication channel (e.g., an NFC communication channel) with another device (e.g., payment terminal 600) is established within a defined period of time from detecting the input, the secure element releases the payment information to be transmitted to the other device (e.g., payment terminal 600). In some embodiments, the secure element is a hardware component that controls the release of the secure information. In some embodiments, the secure element is a software component that controls the release of the secure information.

[0206] In some embodiments, protocols associated with participating in a transaction depend, for example, on the device type. For example, the conditions for generating and / or transmitting payment information may be different for a wearable device (e.g., device 500) and a phone (e.g., device 100). For example, the generating and / or transmitting condition for a wearable device may include detecting a button press (e.g., after security verification), while a corresponding condition for a phone may not require a button press but instead requires detection of a specific interaction with an application. In some examples, the condition for transmitting and / or releasing payment information may include receiving a specific input on each of multiple devices. For example, releasing payment information optionally requires detection of a fingerprint and / or PIN on a device (e.g., device 100) and detection of a mechanical input (e.g., a button press) on another device (e.g., device 500).

[0207] The payment terminal 600 optionally uses the payment information to generate and send a signal to the payment server 604 to determine whether the payment is authorized. The payment server 604 optionally includes any device or system configured to receive payment information associated with a payment account and determine whether the proposed purchase is authorized. In some implementations, the payment server 604 includes an issuing bank's server. The payment terminal 600 communicates with the payment server 604 directly or indirectly via one or more other devices or systems (e.g., an acquiring bank's server and / or a card network's server).

[0208] The payment server 604 optionally uses at least some of the payment information to identify a user account from within a database of user accounts (e.g., 602). For example, each user account includes payment information. The account is optionally identified by identifying an account with specific payment information that matches information from the POS communication. In some implementations, the payment is denied when the provided payment information does not match (e.g., the validity date does not correspond to a credit, debit, or gift card number) or when there is no account with payment information that matches the information from the POS communication.

[0209] In some embodiments, the data about the user's account further identifies one or more limits (e.g., credit limit), current or previous balance, previous transaction date, location and / or amount, account status (e.g., active or frozen), and / or authorization instructions. In some implementations, the payment server (e.g., 604) uses such data to determine whether to approve a payment. For example, the payment server denies a payment when the purchase amount added to the current balance would exceed the account limit, when the account is frozen, when the previous transaction amount exceeds a threshold, or when the number or frequency of previous transactions exceeds a threshold.

[0210] In some embodiments, the payment server 604 responds to the POS payment terminal 600 with an indication as to whether the proposed purchase is approved or denied. In some implementations, the POS payment terminal 600 sends a signal to the electronic device (e.g., 100, 300, 500) to identify the outcome. For example, the POS payment terminal 600 sends a receipt to the electronic device (e.g., 100, 300, 500) when the purchase is approved (e.g., via a transaction reconciliation server managing the transaction application on the user device). In some examples, the POS payment terminal 600 presents an output (e.g., a visual or audio output) indicating the outcome. Payment may be sent to the merchant as part of the approval process, or may be sent at a later time.

[0211] In some embodiments, the electronic device (e.g., 100, 300, 500) participates in a transaction that is completed without the involvement of the POS payment terminal 600. For example, upon detecting that a mechanical input has been received, a secure element in the electronic device (e.g., 100, 300, 500) releases payment information to allow an application on the electronic device to access the information (and, for example, to transmit the information to a server associated with the application).

[0212] In some embodiments, an electronic device (e.g., 100, 300, 500) is in a locked or unlocked state. In the locked state, the electronic device is powered on and operational but is prevented from performing a predefined set of operations in response to user input. The predefined set of operations may include navigation among user interfaces, activation or deactivation of a predefined set of functions, and activation or deactivation of specific applications. The locked state may be used to prevent unintended or unauthorized use of some functions of the electronic device or activation or deactivation of some functions on the electronic device. In the unlocked state, the electronic device 100 is powered on and operational and is not prevented from performing at least some of the predefined set of operations that cannot be performed while in the locked state.

[0213] When a device is in the locked state, the device is considered to be locked. In some embodiments, a device in the locked state can respond to a limited set of user inputs, including inputs corresponding to attempts to transition the device to an unlocked state or inputs corresponding to powering down the device.

[0214] In some embodiments, the secure element is a hardware component (e.g., a secure microcontroller chip) configured to securely store data or algorithms. In some embodiments, the secure element provides (or releases) payment information (e.g., an account number and / or a dynamic security code specific to the transaction). In some embodiments, the secure element provides (or releases) payment information in response to the device receiving approval of a user authentication, etc. (e.g., fingerprint authentication, PIN authentication, detecting a double press of a hardware button while the device is in an unlocked state and, optionally, while the device is continuously on the user's wrist after the device has been unlocked by providing authentication information to the device, where the continued presence of the device on the user's wrist is determined by periodically checking that the device is in contact with the user's skin). For example, the device detects a fingerprint on a fingerprint sensor (e.g., a fingerprint sensor integrated into a button) of the device. The device determines whether the fingerprint matches a registered fingerprint. In accordance with determining that the fingerprint matches the registered fingerprint, the secure element provides (or releases) payment information. Pursuant to determining that the fingerprint does not match the enrolled fingerprint, the secure element refrains from providing (or releasing) the payment information.

[0215] Attention is now directed to embodiments of user interfaces (“UIs”) and associated processes implemented on an electronic device such as portable multifunction device 100, device 300 or device 500.

[0216] 7A-7P illustrate exemplary user interfaces for provisioning a card on an electronic device (e.g., 100) having one or more input devices and one or more short-range communication radios (e.g., NFC radios), according to some embodiments. The user interfaces in those figures are used to illustrate processes described below, including the processes in FIGS. 8A-8B.

[0217] According to some embodiments, a user has access to a stored value card and wishes to transfer value from the stored value card to a virtual card stored on the electronic device. Before performing the value transfer, the electronic device uses a verification procedure that helps confirm that the user is the legitimate owner of the stored value card. In some examples, the electronic device communicates with the stored value card (e.g., using NFC) to receive information about the stored value card, such as the stored value card's account number or the current value stored on the stored value card. The electronic device also separately receives information about the stored value card (e.g., from the user via a displayed keyboard without using NFC). The electronic device verifies ownership based on those two pieces of information. If ownership is verified, the electronic device transfers the stored value from the stored value card to the virtual card on the electronic device. In some examples, such technology helps provide security for the legitimate owner of the stored value card and prevents users of the electronic device from transferring assets from another individual's stored value card.

[0218] 7A illustrates a user interface for electronic device 100, according to some embodiments. In some examples, electronic device 100 displays an affordance (e.g., 702A) that includes an indication of a previously provisioned account (e.g., a payment account). In this example, affordance (e.g., 702A) corresponds to an American Express® account. In some examples, electronic device 100 also displays an affordance (e.g., 702B) that includes an indication of an additional previously provisioned account (e.g., a payment account). In this example, affordance (e.g., 702B) corresponds to a MasterCard® account that is different from the American Express® account. When electronic device 100 detects activation of the affordance (e.g., 702A) that includes an indication of a previously provisioned account or the affordance (e.g., 702B) that includes an indication of an additional previously provisioned account, for example, by detecting a touch input on the touch-sensitive surface of the electronic device at a location corresponding to the respective affordance, the electronic device displays information corresponding to the respective account.

[0219] In some embodiments, when the electronic device 100 is activated, it displays an affordance (e.g., 702D) that causes the electronic device to display a user interface for user selection of accounts to make available for use without checking authorization, as described in connection with FIGS. 15A-15M.

[0220] In some embodiments, electronic device 100 displays a selection affordance (e.g., 704) that provides the user with the option to turn off the express transit card. For example, by turning off the express transit card, the account provisioned on electronic device 100 is not designated as an express transit card. In some embodiments, electronic device 100 receives user input indicating a desire to not make the account available for use without checking authentication (e.g., by receiving user input selecting the “no account” option for use without checking authentication, as shown with respect to selection affordance 704, thereby moving the selection affordance to the “off” position), as described in connection with FIGS. 15A-15M. In response to receiving user input indicating a desire to not make the account available for use without checking authentication, electronic device 100 designates the virtual card's account (or all accounts on the electronic device) as not available for use without checking authentication. Thus, electronic device 100 provides the user with the option (e.g., using selection affordance 704) to disable (or enable) express transit mode, which allows assets to be transmitted in certain transactions without requiring authentication. In some embodiments, when the express transit feature is enabled (e.g., by moving selection affordance 704 to the "on" position), electronic device 100 provides faster access to accounts designated as express transit accounts. In some embodiments, when the express transit feature is disabled (e.g., by moving selection affordance 704 to the "off" position), electronic device 100 provides additional security for accounts provisioned on the electronic device.

[0221] In some embodiments, electronic device 100 displays an affordance (e.g., 702C) for provisioning an account on electronic device 100 (or for provisioning an account on a device different from electronic device 100). The electronic device detects activation of the affordance (e.g., 702C) for provisioning an account on electronic device 100. In response to detecting activation of the affordance (e.g., 702C) for provisioning an account on electronic device 100, the electronic device displays a user interface for selecting between two (or more) types of accounts (e.g., stored-value accounts and non-stored-value accounts), as shown in FIG. 7B . Thus, in some embodiments, electronic device 100 displays an affordance (e.g., 706A) for provisioning a non-stored-value account and an affordance (e.g., 706B) for provisioning a stored-value account. In some embodiments, stored-value accounts are accounts in which assets or data (in the form of binary code data) associated with each account are physically stored on a stored-value card associated with the stored-value account. In some embodiments, the stored value card is a closed-loop stored value card. In some embodiments, the stored value card is a transit card (e.g., a stored value transit card). In some embodiments, the stored value transit account stores transit plan (or transit pass) information. In some embodiments, the transit plan is a monthly or weekly transit plan. In some embodiments, the stored value transit account stores electronic money. In some embodiments, electronic device 100 can transmit assets from a provisioned stored value transit account using NFC and without access to an IP network or internet connection, which conserves power and allows assets to be transmitted from the stored value transit account even when an IP network or internet connection is not available.

[0222] In some embodiments, in response to detecting activation of an affordance (e.g., 706B) for provisioning a stored-value account, as shown in FIG. 7B, electronic device 100 displays a prompt (e.g., 708A, 708B) on the display of the electronic device for the user to place electronic device 100 within communication range (e.g., of one or more short-range communication radios) of a card having stored value, as shown in FIG. 7C. For example, the prompt (e.g., 708A, 708B) instructs the user to place electronic device 100 over the stored-value card so that the back of the electronic device (e.g., the side of the electronic device opposite the display) is closest to the stored-value card. Alternatively, or in addition, electronic device 100 provides the prompt via a speaker, haptic vibration, or other suitable technique to prompt the user.

[0223] As shown in FIG. 7D , when electronic device 100 is within communication range of a card, electronic device 100 receives from the card, via one or more short-range communication radios (e.g., NFC radios), the card account number of a card (e.g., 710), the card having a stored value (e.g., 728D shown in FIG. 7K, a stored value greater than zero). For example, card (e.g., 710) is a stored-value card, an NFC-readable stored-value card, a stored-value transit card, or a stored-value gift card. In some implementations, the card account number of the card (e.g., 710) is received from the card by electronic device 100 using NFC. In some embodiments, electronic device 100, while communicating with the card, presents an indication (e.g., 712) that the electronic device has received the card account number of the card (e.g., 710). In some embodiments, the card account number includes alphanumeric characters. In some embodiments, the card account number includes numeric characters but not alphabetic characters.

[0224] The electronic device 100 requests (e.g., from the user) verification information (e.g., the card number of the card (e.g., 710), the card account number of the card, or the birth date of the user registered to the card) to verify ownership of the card (e.g., 710). For example, the electronic device 100 requests that the user enter the card number of the card (e.g., 710). In some embodiments, the electronic device 100 requests the verification information following receiving the card account number of the card (e.g., 710).

[0225] In some embodiments, as shown in FIGS. 7E-7F, electronic device 100 displays an indication (e.g., 714A) requesting the user to provide verification information, such as a card account number for a card (e.g., 710). In some embodiments, electronic device 100 uses the verification information (e.g., 714C) to verify that the user has physical possession (or control) of the card (e.g., 710). As shown in FIG. 7E, electronic device 100 displays a request (e.g., 714A) for the user to enter the card account number into a field (e.g., 714B) using a virtual keypad (e.g., 716). As shown in FIG. 7F, electronic device 100 receives input from the device user via one or more input devices (e.g., rather than via one or more short-range communication radios) that includes the verification information (e.g., 714C) to verify ownership of the card (e.g., 710).

[0226] In some embodiments, the verification information (e.g., 714C) is information that is not displayed on the card (e.g., 710). For example, verification information (e.g., 714C) requested by electronic device 100 and entered by a user is not displayed on the card (e.g., 710). In some embodiments, verification information requested (and received) pursuant to a determination that the card (e.g., 710) is registered is information that is not displayed on the card. Thus, in some examples, verification is not possible simply by possessing the card (e.g., 710); the user must have some additional information corresponding to the card. In some embodiments, the verification information (e.g., 714C) is (or includes) a stored value of the card (e.g., 710), such as the amount of assets currently stored on the card. In some examples, at least some (or all) of the stored value of the card (e.g., 710) may be transferred from the card (e.g., 710) to a virtual card provisioned on electronic device 100.

[0227] In some embodiments, as shown in FIGS. 7G-7H, electronic device 100 displays an indication (e.g., 720A) requesting the user to provide verification information, such as the cardholder's birth date. In some embodiments, electronic device 100 uses the verification information (e.g., 720C) to verify that the user has physical possession (or control) of the card (e.g., 710). As shown in FIG. 7G, electronic device 100 displays a request (e.g., 720A) for the user to enter the birth date (e.g., 720C) into a field (e.g., 720B) using a virtual keypad (e.g., 716). As shown in FIG. 7H, electronic device 100 receives input from the user of the electronic device via one or more input devices (e.g., rather than via one or more short-range communication radios) including the verification information (e.g., 720C) to verify ownership of the card (e.g., 710). In some embodiments, the user interfaces of FIGS. 7G-7H are alternatives to the user interfaces of FIGS. 7E-7F. In some embodiments, the user interface of Figures 7G-7H is used in combination with the user interface of Figures 7E-7F.

[0228] In some embodiments, the verification information (e.g., 720C) is information that is not displayed on the card (e.g., 710). For example, the verification information (e.g., 720C) requested by electronic device 100 and entered by the user is not displayed on the card (e.g., 710). In some embodiments, the verification information requested (and received) pursuant to a determination that the card (e.g., 710) is registered is information that is not displayed on the card. Thus, in some examples, verification is not possible simply by possessing the card (e.g., 710); the user must have some additional information corresponding to the card. In some embodiments, the verification information (e.g., 720C) is (or includes) the stored value of the card (e.g., 710). In some examples, at least some (or all) of the stored value of the card (e.g., 710) may be transferred from the card to a virtual card provisioned on electronic device 100.

[0229] As shown in FIG. 7I , electronic device 100 verifies ownership of a card (e.g., 710) based on a comparison of the verification information (e.g., 714C, 720C) with separate information associated with the card user's card (e.g., the card's card account number, the card's registered user's birth date). The separate information about the card (e.g., 710) is received separately from the verification information (e.g., 714C, 720C). For example, the separate information is received from a server, service, database, or from the card (e.g., 710) itself. In some embodiments, the comparison of the verification information (e.g., 714C, 720C) with the separate information associated with the card user's card (e.g., 710) is performed at a remote server, and the results are transmitted from the remote server to electronic device 100. In some embodiments, the comparison of the verification information (e.g., 714C, 720C) with the separate information associated with the card user's card (e.g., 701) is performed at electronic device 100. In some embodiments, electronic device 100 displays an indication (e.g., 724A) that verification information (e.g., 714C, 720C) has been received. In some embodiments, electronic device 100 displays an indication (e.g., 724B) that verification of ownership is being performed.

[0230] In some embodiments, electronic device 100 transmits the card account number to a server, service, or database (over a network or internet connection) and receives a response from the server, service, or database regarding the registration status of the card (e.g., 710). In some embodiments, this occurs before requesting verification information (e.g., 714C, 720C) from the user. In some embodiments, this occurs before receiving input from the user to verify ownership of the card (e.g., 710). In some embodiments, electronic device 100 determines whether the card is registered (e.g., with a server, service, or database) based on the response regarding the registration status of the card (e.g., 710) received from the server, service, or database. Thus, in some embodiments, electronic device 100 operates in a “registration mode” (e.g., based on a response received from a server, service, or database indicating that the card is registered), and in some embodiments, electronic device 100 operates in an “anonymous mode” (e.g., based on a response received from a server, service, or database indicating that the card is not registered). In some embodiments, a card is registered when a server, service, or database registers the card with a particular user or entity. In some embodiments, a card is registered when a server, service, or database associates the card with a particular user or entity.

[0231] In some embodiments, pursuant to determining that a card (e.g., 710) is registered (e.g., "registration mode"), electronic device 100 requests (e.g., from the user) verification information to verify ownership of the card (e.g., 710), including requesting information not shown on the card (e.g., the birth date of the user registered to the card). In some embodiments, electronic device 100 forgoes requesting verification information shown on the card (e.g., 710). In some embodiments, the requested verification information is information not shown on the card (e.g., 710).

[0232] In some embodiments, pursuant to determining that a card (e.g., 710) is being registered (e.g., "registration mode"), electronic device 100 transmits (e.g., to a server, service, or database) the card's card account number and receives (e.g., from a server, service, or database) separate information. In some implementations, the separate information includes information personal to the registered user of the card (e.g., 710) and does not include the card's card account number. For example, the separate information includes the user's birth date, the user's email address, and / or the user's mother's maiden name. By requiring personal information from the user for whom the card (e.g., 710) is being registered, a higher level of security is achieved for the registered card. In some embodiments, following receipt, via one or more short-range communications radios, of the card account number of the card (e.g., 710), and prior to transferring, via one or more short-range communications radios, at least some (or all) of the stored value from the card (e.g., 710) to the virtual card stored on the electronic device 100, the electronic device forgoes receiving the account number provided by the user of the card (e.g., 710) as part of verifying card ownership. Thus, by using separate information for verification, the electronic device helps prevent a user's card from being digitally stolen by swiping an NFC reader through the user's pocket or wallet containing the card (e.g., 710).

[0233] In some embodiments, following a determination that a card (e.g., 710) is not registered (e.g., "anonymous mode"), electronic device 100 requests (e.g., from the user) verification information to verify ownership of the card, including information indicated on the card (e.g., 714C, 720C, the card number of the card, the card account number of the card). In some embodiments, electronic device 100 refrains from requesting verification information that is not indicated on the card (e.g., 710). Thus, in some examples, electronic device 100 may request different information based on whether the card (e.g., 710) is registered or not, and a higher level of security is achieved for registered cards by requesting information personal to the registered user of the card.

[0234] In some embodiments, following a determination that a card (e.g., 710) is not registered (e.g., “anonymous mode”) and prior to verifying card ownership, electronic device 100 requests an account number provided by the card's user as part of requesting verification information to verify card ownership. In some examples, electronic device 100 receives the account number provided by the card's (e.g., 710) user as input from the electronic device user (e.g., using touchscreen keyboard input) rather than from one or more short-range communications radios. The account number provided by the card's (e.g., 710) user comprises verification information for verifying card ownership. In some examples, electronic device 100 compares the user-provided account number with the card account number as part of verifying card (e.g., 710) ownership by comparing the verification information with separate information, the separate information comprising the card's received card account number. In some embodiments, following a determination that the card is registered (e.g., in “registration mode”), electronic device 100 does not request (or receive) an account number provided by the user of the card (e.g., 710) as part of receiving input from the user of verification information to confirm ownership of the card.

[0235] In some embodiments, following a determination that the card is not registered (e.g., in “anonymous mode”), electronic device 100 does not present (e.g., does not display on any display of the electronic device) the card account number of the card (e.g., 710) before receiving input from a user of the electronic device via one or more input devices, including verification information for verifying ownership of the card. In some embodiments, following a determination that the card (e.g., 710) is not registered (e.g., in “anonymous mode”), electronic device 100 does not present (e.g., does not display on any display of the electronic device) the card account number of the card before verifying ownership of the card. Thus, in some examples, a user needs to have access to the card number (or account number associated with card 710) through a means other than through electronic device 100. For example, a user can provide the card number (or account number associated with card 710) to electronic device 100 (e.g., by providing text entered via a displayed virtual keyboard) based on the card number (or account number associated with card 710) printed on a receipt or invoice for the card (e.g., 710) or the card number printed on the card. In some embodiments, following a determination that a card (e.g., 710) is being registered (e.g., in “registration mode”), electronic device 100 presents the card account number of the card (by displaying it on a display of the electronic device) before receiving input from the user via one or more input devices, including verification information to verify ownership of the card.

[0236] 7J , following a determination that ownership verification is not successful, electronic device 100 displays and / or generates feedback (e.g., visual feedback displayed on a display, audio and / or tactile output generated by the device) indicating to the user that ownership verification was not successful (e.g., indication 726A). In some examples, a determination that verification information is not successful is made when the verification information received from the user (e.g., 714C, 720C) does not match the separate information. In some embodiments, following a determination that ownership verification is not successful, electronic device 100 refrains from providing a prompt (e.g., refrains from generating feedback, such as visual feedback displayed on a display, audio and / or tactile output generated by the device) to perform a value transfer operation (e.g., by the user) for the transfer of value, and refrains from transferring any of the stored value from the card (e.g., 710) to the virtual card stored in the electronic device. 7J, following a determination that ownership verification was not successful, electronic device 100 again requests (e.g., 726B) (e.g., from the user) verification information (e.g., the card's card number, the card's card account number, the user's birth date registered to the card) to verify ownership of the card (e.g., 710). Accordingly, electronic device 100 notifies the user that ownership verification was not successful.

[0237] In some embodiments, as shown in FIG. 7K, following a determination that ownership verification is successful, electronic device 100 presents (e.g., on a display of the electronic device) an indication (e.g., 728A, 728B) of successful completion of verification. In some embodiments, electronic device 100 presents one or more indications of one or more items of information (e.g., 728C-728E) associated with the verified card (e.g., 710). In some embodiments, electronic device 100 presents an indication (e.g., 728C) of the name of the user associated with the card (e.g., 710). In some embodiments, electronic device 100 presents an indication (e.g., 728D) of the current balance of the card (e.g., 710). In some embodiments, electronic device 100 presents an indication (e.g., 728E) of transit plan (or transit pass) information associated with the card (e.g., 710).

[0238] In some embodiments, electronic device 100 displays an affordance or input field (e.g., 728F) including an indication of the amount of the stored value of the card (e.g., 710) to be transferred from the card to a virtual card stored on the electronic device. In some implementations, the electronic device receives user input (e.g., into input field 728F) of the amount of the stored value of the card to be transferred from the card (e.g., 710) to a virtual card stored on the electronic device. In some embodiments, the affordance (e.g., 728F), when activated, causes the electronic device to display a user interface for user selection of the amount to be transferred from the stored-value card (e.g., 710) to the virtual card stored on electronic device 100. For example, as shown in FIG. 7L, a user can select to transfer the entire amount of the stored value of the card (e.g., 710) from the card to the virtual card on electronic device 100.

[0239] In some embodiments, electronic device 100 displays an affordance (e.g., 728G) that can be activated by a user selection to begin the process of transferring value, as shown in FIG. 7L. When activated, the affordance (e.g., 728G) begins the process of transferring value from a card (e.g., 710) to a virtual card on electronic device 100. In some embodiments, the affordance (e.g., 728G) cannot be activated before the amount of value to be transferred is selected (e.g., using affordance 728F). In some embodiments, when the electronic device receives the transfer value (e.g., using input field 728F), activating the affordance (e.g., 728G) begins the process of transferring the entire balance available on the card (e.g., 710). In some embodiments, the affordance (e.g., 728G) begins the process of transferring the entire balance available on the card (e.g., 710) (e.g., even when no transfer value was entered in field 728F).

[0240] 7M, upon determining that ownership verification is successful (and in some embodiments, upon receiving user selection of an affordance (e.g., 728G) to initiate the transfer of value, as shown in FIG. 7L), electronic device 100 displays and / or generates feedback (e.g., visual feedback displayed on a display, audio and / or tactile output generated by the device) (e.g., 708B, 730) prompting the user to perform (e.g., by the user) a value transfer operation to transfer the value. In some embodiments, the prompt or feedback (e.g., 708B, 730) requires prolonged contact of electronic device 100 with the card (e.g., 710) or requires the electronic device to be placed in proximity to the card (e.g., 710). In some embodiments, electronic device 100 determines that ownership verification is successful if the verification information (714C, 720C) received from the user matches (e.g., matches) the separate information. As shown in FIG. 7N , in conjunction with the value transfer operation (and / or following providing a prompt (or generating feedback) to perform the value transfer operation), electronic device 100 transfers (e.g., via one or more short-range communication radios) at least some (or all) of the stored value from the card (e.g., 710) to a virtual card stored on the electronic device. In some embodiments, the virtual card is stored in an account information application (e.g., an electronic wallet) of electronic device 100. In some embodiments, during the transfer, electronic device 100 displays and / or generates feedback (e.g., indication 732A) (e.g., to a user) (e.g., visual feedback displayed on a display, audio and / or tactile output generated by the device) indicating that at least some (or all) of the stored value is being transferred from the card (e.g., 710) to the virtual card on the electronic device, as well as indications (e.g., 708B, 732B) (e.g., to a user) to maintain extended contact or proximity of the electronic device to the card while the transfer process is ongoing.

[0241] In some embodiments, a virtual card is stored in electronic device 100 (e.g., in an account information application on the electronic device) before receiving the card account number for the card (e.g., 710) and before verifying card ownership. In some embodiments, electronic device 100 includes a template virtual card (e.g., a “blank” virtual card) stored on the electronic device that does not contain any value or assets. In some implementations, electronic device 100 transfers at least some (or all) of the stored value from the card (e.g., 710) to the template virtual card. Thus, in some implementations, functionality and / or value associated with the card (e.g., 710) can be moved to the template virtual card, eliminating the need to configure electronic device 100 with a new virtual card. The template virtual card accelerates the process of transferring assets from a stored-value card (e.g., 710) to electronic device 100 because a new virtual card does not need to be created during the provisioning process or transfer operation.

[0242] In some embodiments, following a successful transfer of at least some (or all) of the stored value from the card (e.g., 710) to the virtual card stored in the electronic device 100, the virtual card includes at least some (or all) of the stored value and the card (e.g., 710) does not include at least some (or all) of the stored value. In some embodiments, transferring at least some (or all) of the stored value from the card (e.g., 710) to the virtual card stored in the electronic device 100 includes removing the stored value from the card and sending (e.g., via a network or internet connection) a request to a server, service, or database associated with the card to deactivate the card (e.g., revoke the card and render the card inoperable). For example, all of the stored value from the card (e.g., 710) is removed, rendering the card inoperable. Thus, in some embodiments, the functionality and / or value of the physical card (e.g., 710) are moved in their entirety to the virtual card stored in the electronic device 100, thereby replacing the physical card with the virtual card.

[0243] 7P, following a successful transfer of at least some (or all) of the stored value from the card (e.g., 710) to a virtual card stored on electronic device 100, the electronic device displays a representation of a virtual card corresponding to the stored-value card. In some embodiments, the representation of the virtual card corresponding to the stored-value card includes an indication of the type of virtual card (e.g., 736A). In some embodiments, the representation of the virtual card corresponding to the stored-value card includes a graphical representation of the virtual card (e.g., 736B). The indication of the type of virtual card (e.g., 736A) and the graphical representation (e.g., 736B) allow a user to distinguish the virtual card from different cards provisioned on electronic device 100, and in some implementations, the indication of the type of virtual card and the graphical representation are displayed simultaneously.

[0244] In some embodiments, a representation of a virtual card corresponding to a stored-value card provisioned on electronic device 100 includes a menu (e.g., 740) that includes multiple selectable affordances (e.g., 740A, 740B, 740C). In some embodiments, the menu (e.g., 740) includes an information affordance (e.g., 740A). In some embodiments, the menu (e.g., 740) includes a transaction affordance (e.g., 740B). In some embodiments, the menu (e.g., 740) includes a device affordance (e.g., 740C). In some embodiments (e.g., in response to a user selection of an information affordance (e.g., 740A), as shown in FIG. 7P), the representation of the virtual card displays one or more information items (e.g., 736C-736E) individually or simultaneously regarding the virtual card corresponding to the provisioned card (e.g., 710). In some embodiments, electronic device 100 displays the username (e.g., 736C) of the account registered to the virtual card. In some embodiments, electronic device 100 displays the virtual card's asset balance (e.g., 736D) (e.g., the amount of assets stored on the virtual card). In some embodiments, electronic device 100 displays the virtual card's transit pass information (e.g., 736E) (e.g., a monthly pass, a 10-ride pass, etc.). By displaying one or more items of information about the virtual card (e.g., 736C-E), electronic device 100 displays and / or generates feedback (e.g., visual, audio, and / or tactile output generated by the device) that includes information about the virtual card details corresponding to the provisioned card (e.g., 710).

[0245] In some embodiments, following a successful transfer of at least some (or all) of the stored value from a card (e.g., 710) to a virtual card stored on electronic device 100, the electronic device displays the virtual card's stored value (e.g., 736D). In some examples, if the electronic wallet application of electronic device 100 includes multiple virtual cards (or accounts) of the same type (e.g., multiple transit cards), the value of each of the multiple virtual cards is prominently displayed. This improved feedback enhances the usability of the electronic device by providing the user with the ability to distinguish between multiple virtual cards stored on (or accessible by) the electronic device and their corresponding stored values.

[0246] 7O, following a determination that the value transfer was not successful, electronic device 100 displays and / or generates (e.g., to a user) feedback (e.g., a visual, audio, and / or tactile output generated by the device) that the value transfer was not successful (e.g., indication 734A). In some embodiments, electronic device 100 displays and / or generates feedback (e.g., a visual, audio, and / or tactile output generated by the device) via a second prompt (e.g., 734B different from first prompt 730) that reiterates performing (e.g., by the user) a value transfer operation to transfer the value. In some examples, the second prompt includes visual, audio, and / or tactile feedback that encourages user interaction with the electronic device.

[0247] In some embodiments, following a transfer of at least some (or all) of the stored value from the card (e.g., 710) to a virtual card stored on electronic device 100, and following a determination that the electronic device does not have another linked transit account (e.g., the newly provisioned transit account is the initial (first) transit account and / or the only currently active transit account linked to the electronic device), the electronic device designates (by default indicates or prompts the user to designate) the virtual card account as available for use without checking authorization. In some embodiments, if the virtual card corresponds only to a provisioned transit account on electronic device 100, electronic device 100 designates the virtual card to be an express transit card based on a determination that the virtual card is the only transit account in the electronic device's account information application, as described in connection with FIGS. 15A-15M. In some embodiments, using an express transit card (e.g., to make a payment or transmit authentication information) does not require checking authentication in certain circumstances (e.g., transactions in which the detected wireless signal corresponds to, for example, a request from a transaction terminal or a request for assets from a transit account), as described in connection with FIGS. 15A-15M. Thus, designating a virtual card as an express transit card reduces the number of user inputs required, thereby making the technology more efficient and conserving battery power. Transit transactions are also frequent in crowded transit stations with users (or other passengers) rushing to make transit connections. Even with the most accurate and reliable authentication, there is always some possibility of a false negative result in which a legitimate user is not properly authenticated (e.g., because the user's fingerprint is not accurately identified or the user enters an incorrect password, PIN, or pattern).Using an express transit transaction model in which security is provided by establishing the identity of the transaction terminal as a transit transaction terminal (e.g., established by transaction terminal signals or other contextual information) instead of user authorization for a specific transaction reduces the likelihood that a user (or other passenger) will be inconvenienced by a false negative authentication result while conducting a transit transaction with the device.

[0248] In some embodiments, following transferring at least some (or all) of the stored value from the card (e.g., 710) to the virtual card stored on electronic device 100, and pursuant to a determination that the electronic device has one or more other linked transit accounts, electronic device 100 refrains from designating (or prompts the user to designate) the virtual card's account as available for use without checking authorization. In some embodiments, if the virtual card does not correspond to only provisioned transit accounts, electronic device 100 designates (or prompts the user to designate) the virtual card's account as not available for use without checking authorization. Thus, in some examples, electronic device 100 refrains from designating the virtual card as an express transit card based on a determination that the virtual card is not only a transit account in the account information application.

[0249] In some embodiments, following transferring at least some (or all) of the stored value from the card (e.g., 710) to a virtual card stored on electronic device 100, and pursuant to a determination that the electronic device has another linked transit account, and further pursuant to receiving user input indicating a desire not to make the account available for use without checking authorization (e.g., user input removing a previous express transit card in the account information application or refusing to add a previous account as an express transit card), the electronic device refrains from designating (or refrains from prompting the user to designate) the virtual card account as available for use without checking authorization. In some embodiments, electronic device 100 designates (or prompts the user to designate) the virtual card account as not available for use without checking authorization. Thus, in some embodiments, electronic device 100 refrains from designating the virtual card as an express transit card based on a determination that the virtual card is not the only transit account in the account information application, thereby complying with the user's preferences for designating or refraining from designating the virtual card as an express transit card.

[0250] 8A-8B are flowcharts illustrating a method for provisioning a card on an electronic device, according to some embodiments. Method 800 is performed on a device (e.g., 100, 300, 500) having one or more input devices, one or more short-range communication radios, and optionally a display. Some operations in method 800 are optionally combined, the order of some operations is optionally changed, and some operations are optionally omitted.

[0251] As described below, method 800 provides an intuitive way to manage transactions. The method reduces the cognitive burden on a user managing transactions, thereby creating a more efficient human-machine interface. In the case of battery-operated computing devices, allowing users to manage transactions faster and more efficiently conserves power and increases the time between battery charges.

[0252] In block 802, the electronic device receives (e.g., from the card via NFC) via one or more short-range communication radios (e.g., one or more NFC radios) a card account number of a card (e.g., 710) (e.g., a stored value card, an NFC-readable stored value card, a stored value transit card, a stored value gift card), the card (e.g., 710) having a stored value (e.g., 728D, a stored value greater than 0). In some embodiments, the card account number of the card is received from the card using NFC.

[0253] According to some embodiments, at block 804, the card is a stored value card (e.g., assets and / or data are physically stored on the card in the form of binary coded data). For example, the stored value card is a closed-loop stored value card. In some embodiments, the card is a transit card (e.g., a stored value transit card). In some embodiments, the stored value transit account stores transit plan (or transit pass) information. In some embodiments, the transit plan is a monthly or weekly transit plan. In some embodiments, the stored value transit account stores electronic money.

[0254] In block 806, the electronic device requests (e.g., from the user) verification information (e.g., the card number of the card, the card account number of the card, the birth date of the user registered to the card) to verify ownership of the card (e.g., 710). In some embodiments, the electronic device displays an indication (e.g., 714A, 720A) requesting the user to provide the verification information. In some embodiments, the electronic device uses the verification information (e.g., 714C, 720C) to verify that the user is in physical possession (or control) of the card (e.g., 710). Receiving and using the verification information by the electronic device to verify that the user is in physical possession of the card enhances the electronic device's ability to detect and deter electronic theft and fraud.

[0255] According to some embodiments, the verification information (e.g., 714C, 720C) is information that is not displayed on the card (e.g., 710). For example, verification information (e.g., 714C, 720C) entered by a user is not displayed on the card (e.g., 710). In some examples, the verification information requested (and received) pursuant to a determination that the card is registered (e.g., "registration mode") is information that is not displayed on the card. Thus, in some examples, verification is not possible by simply possessing the card. Rather, the user must have some additional information corresponding to the card. In some examples, the verification information is (or includes) the card's stored value. In such examples, a user with access to the card and knowledge of the card's current stored value can transfer at least some (or all) of the stored value from the card (e.g., 710) to a virtual card stored in electronic device 100.

[0256] According to some embodiments, following a determination at block 808 that the card is registered (e.g., with a server, service, or database) (e.g., “registration mode”), requesting verification information (e.g., 714C, 720C) (e.g., the birth date of the user registered to the card) at block 810 to verify ownership of the card (e.g., 710) includes requesting (e.g., from the user) information not shown on the card. In some examples, the electronic device forgoes requesting information shown on the card. By determining whether the card is registered, the electronic device can request specific verification information based on the determination of whether the card is registered, thereby enhancing the operability of the device by including additional security measures for registered cards.

[0257] According to some embodiments, following a determination at block 812 that the card (e.g., 710) is not registered (e.g., “anonymous mode”), requesting verification information (e.g., 714C, 720C, the card number of the card, the card account number of the card) to verify ownership of the card at block 814 includes requesting information that is indicated on the card (e.g., 710). In some examples, the electronic device refrains from requesting information that is not indicated on the card. Thus, the electronic device may request different information based on whether the card is registered. For example, by requesting information that is personal to the registered user of the card, a higher level of security can be achieved for registered cards. By determining whether the card is registered, the electronic device may request specific verification information based on a determination of whether the card is registered, thereby enhancing device usability by not displaying requests for information that the user does not have for cards that are not registered, thereby reducing the number of required user inputs.

[0258] According to some embodiments, (e.g., following a determination that the card is not registered (e.g., "anonymous mode")), the electronic device does not present (e.g., on a display of the electronic device) the card's card account number before receiving input from a user of the electronic device via one or more input devices that includes verification information (e.g., 714C, 720C) for verifying ownership of the card (e.g., 710). In some examples, the electronic device does not present (e.g., on a display of the electronic device) the card's card account number before verifying ownership of the card. Thus, the user must have access to the card (or account) number through a means other than the electronic device. For example, the user may present (e.g., based on) the card number printed on a receipt or invoice for the card, or based on the card number printed on the card. In some examples, following a determination that the card is registered (e.g., "registered mode"), the electronic device presents (e.g., displays on a display of the electronic device) the card's card account number before receiving (e.g., based on) the input from a user of the electronic device via one or more input devices that includes verification information for verifying ownership of the card. By determining whether the card is registered, the electronic device can request specific verification information based on the determination of whether the card is registered, thereby enhancing device operability by not displaying unnecessary requests for unregistered cards and providing additional security for registered cards.

[0259] In some examples, the electronic device determines (e.g., with a server, service, or database) whether the card is registered. According to some embodiments, pursuant to a determination that the card (e.g., 710) is not registered (e.g., “anonymous mode”) and prior to verifying ownership of the card, the electronic device requests an account number provided by a user of the card (e.g., 710) as part of receiving verification information (e.g., 714C, 720C) for verifying ownership of the card, receives the account number provided by a user of the card (e.g., 710) as part of receiving input from a user of the electronic device (e.g., not via one or more short-range communications radios) including the verification information (e.g., 714C, 720C) for verifying ownership of the card, and compares the account number provided by the user with the card account number as part of verifying ownership of the card (e.g., 710) by comparing the verification information with separate information, the separate information including the received card account number of the card. In some embodiments, requesting verification information to verify ownership of the card pursuant to a determination that the card is registered (e.g., "registration mode") does not include requesting (or receiving) an account number provided by the user of the card (e.g., as part of receiving input from the user of the device that includes verification information to verify ownership of the card).

[0260] In block 816, the electronic device receives input from a user of the electronic device via one or more input devices (e.g., via virtual keyboard input rather than via one or more short-range communication radios) including verification information (e.g., 714C, 720C) for verifying ownership of the card (e.g., 710). In some embodiments, (e.g., before requesting the verification information and / or before receiving input from the device user to verify ownership of the card), the electronic device 100 transmits the card account number to a server and receives a response from the server regarding the registration status of the card. In some embodiments, the electronic device determines (e.g., with a server, service, or database) whether the card is registered.

[0261] According to some embodiments, upon determining that the card is being registered (e.g., in "registration mode") (e.g., before requesting verification information, before receiving input from a user of the device to verify ownership of the card), the electronic device transmits (e.g., to a server) the card account number of the card (e.g., 710) and receives (e.g., from the server) separate information. In some examples, the separate information includes information personal to the registered user of the card (e.g., the user's birth date, the user's email address, the user's mother's maiden name, but not the card account number of the card). Thus, by requesting personal information from the registered user of the card, a higher level of security can be achieved for the registered card.

[0262] According to some embodiments, the electronic device forgoes receiving an account number provided by a user of the card (e.g., following receiving, via one or more short-range communications radios, the card account number for the card and before transferring, via one or more short-range communications radios, at least some (or all) of the stored value from the card to a virtual card stored on the device) (e.g., as part of verifying ownership of the card).

[0263] According to some embodiments, before receiving the card account number of the card (e.g., 710) and before verifying ownership of the card, a virtual card is stored on the electronic device (e.g., in an account information application). In some examples, the electronic device includes a "blank" virtual card that does not have any value or assets. The electronic device transfers at least some (or all) of the stored value from the card to the blank virtual card. Thus, an existing virtual card can be funded, eliminating the need to configure the electronic device with a new virtual card. By funding an existing virtual card rather than generating a new one on the device, the electronic device does not need to create the virtual card before transferring assets to it. In some examples, this enhances the usability of the device by accelerating the process of transferring assets to the electronic device.

[0264] In block 818, the electronic device verifies ownership of the card by comparing the verification information (e.g., 714C, 720C) with separate information about the card (e.g., 710) (e.g., the card's card account number, the date of birth of the card's registered user) that is received separately from the verification information (e.g., 714C, 720C) (e.g., separate information received from the server or from the card).

[0265] Following a determination at block 820 that ownership verification is successful (e.g., if the verification information (714C, 720C) received from the user matches the separate information), at block 822 the electronic device displays and / or generates (e.g., visual, audio, and / or tactile output generated by the device) a prompt (e.g., 708B, 730) to perform a value transfer operation (e.g., extended contact or proximity with the card) to transfer the value. In some embodiments, the prompt includes visual, audio, and / or tactile feedback that encourages user interaction with the electronic device. Thus, by generating the prompt, the electronic device notifies the user that ownership verification was successful, thereby encouraging the user to perform the value transfer operation.

[0266] Following a determination that ownership verification is successful at block 820, and along with a value transfer operation (or following generating a prompt to perform a value transfer operation) at block 824, electronic device 100 transfers (e.g., via one or more short-range communication radios, such as one or more NFC radios) at least some (or all) of the stored value from the card (e.g., 710) to a virtual card stored on the electronic device (e.g., stored in an account information application of the device). In some embodiments, the electronic device includes a secure element, and transferring at least some of the stored value from the card to the virtual card stored on the electronic device includes storing, in the secure element of the electronic device, information for accessing the stored value of the virtual card. Thus, by transferring value to a virtual card stored on the electronic device based on verified ownership, the operability of the electronic device is enhanced by preventing provisioning of the device based on assets from an authorized card. In some embodiments, following transfer of at least some (or all) of the stored value from the card (e.g., 710) to a virtual card stored on the device, the virtual card includes at least some (or all) of the stored value and the card (e.g., 710) does not include at least some (or all) of the stored value.

[0267] According to some embodiments, following a determination that the value transfer was not successful, the electronic device displays and / or generates (e.g., a visual, audio, and / or tactile output generated by the device) a second prompt (e.g., 734B, different from the first prompt 730) to perform (e.g., by the user) a value transfer operation (e.g., extended contact or proximity with the card) to transfer the value. In some examples, the electronic device presents an indication to the user that the value transfer was not successful. In some examples, the electronic device presents the user with another prompt to perform the value transfer operation (e.g., extended contact or proximity with the card). Thus, the user is alerted that the value transfer was not successful. In some examples, the second prompt includes visual, audio, and / or tactile feedback that prompts the user to interact with the electronic device. Thus, by generating the second prompt, the electronic device notifies the user that the electronic device has determined that the value transfer was not successful, thereby prompting the user to perform the value transfer operation again.

[0268] According to some embodiments, following a determination at block 826 that ownership verification is not successful (e.g., if the verification information received from the user does not match the separate information), at block 828, electronic device 100 displays and / or generates feedback (e.g., a visual, audio, and / or tactile output generated by the device) indicating that ownership verification was not successful (e.g., indication 726A). In some examples, following a determination that ownership verification is not successful, the electronic device refrains from generating a prompt (e.g., a visual, audio, and / or tactile output generated by the device) to perform a value transfer operation (e.g., by the user) for the value transfer, and refrains from transferring any of the stored value from the card to the virtual card stored on the device. In some examples, following a determination that ownership verification is not successful, the electronic device again requests (e.g., from the user) verification information to verify ownership of the card (e.g., the card number of the card, the card account number of the card, the birth date of the user registered to the card). Thus, the user becomes aware that ownership verification was not successful. Thus, the electronic device generates feedback to inform the user that the electronic device has determined that verification of ownership was not successful, thereby again prompting the user to provide information to verify ownership.

[0269] According to some embodiments, following the transfer of at least some (or all) of the stored value from the card (e.g., 710) to the virtual card stored on the electronic device, the electronic device displays the virtual card's stored value (e.g., 728D) on the display. For example, when the electronic device's electronic wallet application includes multiple virtual cards (or accounts) of the same type, the virtual card's value is prominently displayed to help the user distinguish between the multiple virtual cards. By displaying the virtual card's stored value (e.g., 728D), the electronic device informs the user about how much value is stored on the virtual card. This improved feedback enhances the usability of the electronic device by providing the user with the ability to distinguish between multiple virtual cards stored on (or accessible by) the electronic device and their corresponding stored values.

[0270] According to some embodiments, following transfer of at least some (or all) of the stored value from the card (e.g., 710) to a virtual card stored on the electronic device, the electronic device displays on its display the virtual card's transit plan information (e.g., monthly pass, 10-ride pass, etc.) (e.g., 728E), where the transit plan information is based on at least some (or all) of the transferred stored value. Thus, the user becomes informed about the virtual card's transit plan. This enhanced feedback informs the user of the state of the electronic device, such as which virtual cards are stored on the device and what transit plan information, if any, the virtual cards contain.

[0271] According to some embodiments, following the transfer of at least some (or all) of the stored value from the card (e.g., 710) to the virtual card stored on the electronic device, the electronic device displays (e.g., simultaneously) on the display one or more of the virtual card's balance (e.g., 736D), the username of the account registered to the virtual card (e.g., 736C), and the virtual card's transit plan information (e.g., monthly pass, 10-ride pass, etc.) (e.g., 736E), thus informing the user of the virtual card details.

[0272] According to some embodiments, transferring at least some (or all) of the stored value from the card to a virtual card stored on the electronic device includes removing the stored value from the card and sending a request to a server to deactivate the card (e.g., destroy the card and render the card inoperable). For example, the electronic device removes all value from the card and renders it inoperable. Thus, in some examples, the full functionality and / or value of the card is moved to the virtual card, and the physical card is replaced by the virtual card. In some examples, when some or all of the stored value from the card is transferred to the virtual card, information for retrieving the value from the virtual card is stored in the secure element to ensure that the stored value cannot be accessed without a properly processed payment transaction that retrieves the information from the secure element.

[0273] According to some embodiments, following a determination (e.g., following transferring at least some (or all) of the stored value from the card to the stored virtual card) that the electronic device does not have another linked transit account (e.g., the newly provisioned transit account is the initial (first) provisioned transit account and / or the only currently active transit account linked to the electronic device), the electronic device designates (by default or prompts the user to designate) the virtual card account as available for use without checking authorization. In some examples, using the virtual card account to participate in a transaction includes releasing information (e.g., transaction information, payment information) from a secure element of the electronic device. Thus, the electronic device designates the virtual card to be an express transit card (based on a determination that the virtual card is only a transit account in the account information application), an express transit card that the electronic device can use within checking authorization for a transaction in which a detected wireless signal corresponds to a first type of request (e.g., a request from a transaction terminal, a request for assets from a transit account). According to some embodiments, following a determination that the electronic device has one or more other linked transit accounts, the electronic device refrains from designating (or refrains from prompting the user to designate) the virtual card account as available for use without checking authorization (and / or designates the virtual card account as not available for use without checking authorization). Thus, the electronic device does not designate the virtual card as an express transit card (based on a determination that the virtual card is not the only transit account in the account information application). Transit transactions are frequently performed at crowded transit stations with users (or other passengers) rushing to make transit connections.Even with the most accurate and reliable authentication, there is always some possibility of a false negative result where a legitimate user is not properly authenticated (e.g., because the user's fingerprint is not accurately identified or the user enters an incorrect password, PIN, or pattern). Using an express transit transaction model, where security is provided by establishing the identity of the transaction terminal as a transit transaction terminal (e.g., established by transaction terminal signals or other contextual information) instead of user authorization for a particular transaction, reduces the possibility that a user (or other passengers) will be inconvenienced by a false negative result of authentication while conducting a transit transaction with the device.

[0274] According to some embodiments (e.g., following transferring at least some (or all) of the stored value from the card to the stored virtual card), following a determination that the electronic device does not have another linked transit account (e.g., the newly provisioned transit account is the initial (first) provisioned transit account and / or the only currently active transit account linked to the electronic device), and following receiving user input indicating a desire not to make the account available for use without checking authorization (e.g., user input removing a previous express transit card in the account information application or refusing to add the previous account as an express transit card), the electronic device refrains from designating (or refrains from prompting the user to designate) the account on the virtual card as available for use without checking authorization (and / or designates the account on the virtual card as not available for use without checking authorization). Thus, the electronic device does not designate the virtual card to be an express transit card (based on a determination that the virtual card is not the only transit account in the account information application). In some embodiments, pursuant to not receiving user input indicating a desire not to make the account available for use without checking authentication, or pursuant to receiving user input indicating a desire to make the account available for use without checking authentication, the electronic device selects an account for a virtual card to make available for use without checking authentication. Thus, the electronic device designates the virtual card to be an express transit card, an express transit card that the electronic device can use without checking authentication for transactions in which a detected wireless signal corresponds to a first type of request (e.g., a request from a transaction terminal, a request for assets from a transit account). Thus, the electronic device conforms to the user's preferences in designating the virtual card as an express transit card.

[0275] According to some embodiments, the electronic device receives user input indicating a desire not to make the account available for use without checking authentication (e.g., by receiving user input selecting a “no account” option for use without checking authentication, as described in connection with FIG. 15D ), and, in response to receiving user input indicating a desire not to make the account available for use without checking authentication, designates the virtual card's (or all virtual cards') account as not available for use without checking authentication. Thus, the electronic device provides the user with the option to disable express transit mode, whereby assets are transmitted in certain transactions without requiring authentication. In some embodiments, this provides additional security of the accounts on the electronic device.

[0276] According to some embodiments, the electronic device receives user input selecting an account (e.g., an account corresponding to a virtual card from among multiple accounts in an account information application) to be made available for use without checking authentication, and, in response to receiving the user input selecting the account to be made available for use without checking authentication, designates the selected account (e.g., of the account information application) to be made available for use without checking authentication, as described in connection with FIGS. 15A-15M. Thus, the electronic device allows a user to select a preferred account for use as an express transit account. In some examples, express transit accounts do not require checking authentication in certain circumstances, thereby reducing the number of required user inputs, thereby making the technology more efficient and conserving battery power.

[0277] It should be noted that the process details described above with respect to method 800 (e.g., FIGS. 8A-8B) are also applicable in a similar manner to the methods described below. For example, methods 1000, 1200, 1400, 1600, 1800, and 2000 optionally include one or more features of the various methods described above with respect to method 800. For example, the user interface of FIG. 7A may correspond to the user interfaces of FIGS. 9A and 15B. For another embodiment, accounts provisioned using the techniques of methods 800 and 1000 may be used to perform the techniques described with respect to methods 1200, 1400, 1600, 1800, and 2000. For another embodiment, the techniques of method 1200 may be used to add assets to stored-value accounts described with respect to methods 800, 1000, 1400, 1600, 1800, and 2000. For another embodiment, the savings account may be moved to or from a different device, as discussed with respect to methods 1800 and 2000. For the sake of brevity, these details will not be repeated below.

[0278] 9A-9N illustrate exemplary user interfaces for provisioning a card on an electronic device (e.g., 100) having a display, one or more short-range communication radios (e.g., one or more NFC radios), and one or more input devices, according to some embodiments. The user interfaces in those figures are used to illustrate processes described below, including the process in FIG.

[0279] According to some embodiments, a user has access to a stored value card and wishes to transfer value from the stored value card to a virtual card stored on the electronic device. Before performing the value transfer, the electronic device uses a verification procedure that helps confirm that the user is the legitimate owner of the stored value card. In some examples, the electronic device receives verification information from the user (e.g., from the user via a displayed keyboard rather than using NFC). The electronic device receives identifying information from the stored value card (e.g., via NFC), such as the stored value card's account number or the current value stored on the stored value card. The electronic device verifies ownership based on those two pieces of information. If ownership is verified, the electronic device transfers the stored value from the stored value card to the virtual card on the electronic device (e.g., using NFC). In some examples, such technology helps provide security for the legitimate owner of the stored value card and prevents users of the electronic device from transferring assets from another individual's stored value card.

[0280] 9A shows a user interface for electronic device 100 according to some embodiments. In some examples, electronic device 100 displays an affordance (e.g., 902A) that includes an indication of a previously provisioned account (e.g., a payment account). In this example, affordance (e.g., 902A) corresponds to an American Express account. In some examples, electronic device 100 also displays an affordance (e.g., 902B) that includes an indication of an additional previously provisioned account (e.g., a separate payment account). In this example, affordance (e.g., 902B) corresponds to a MasterCard account that is different from the American Express account. When electronic device 100 detects activation of the affordance (e.g., 902A) that includes an indication of a previously provisioned account or the affordance (e.g., 902B) that includes an indication of an additional previously provisioned account, the electronic device displays information (e.g., balance, previous transaction details) corresponding to the respective account, e.g., by detecting a touch input on the touch-sensitive surface of the electronic device at a location corresponding to the respective affordance.

[0281] In some embodiments, electronic device 100, when activated, displays an affordance (e.g., 902D) that causes the electronic device to display a user interface for user selection of accounts to make available for use without checking authorization, as described in connection with FIGS. 15A-15M.

[0282] In some embodiments, electronic device 100 displays a selection affordance (e.g., 904) that provides the user with the option to deactivate the express transit card. For example, deactivating the express transit card prevents the account provisioned on electronic device 100 from being designated as an express transit card. In some embodiments, electronic device 100 receives user input indicating a desire to not make the account available for use without checking authentication (e.g., by receiving user input selecting a “no account” option for use without checking authentication, by moving the selection affordance to the “off” position, as shown with respect to selection affordance 904), as described in connection with FIGS. 15A-15M. In response to receiving user input indicating a desire to not make the account available for use without checking authentication, electronic device 100 designates the virtual card's account (or all accounts on electronic device 100) as not available for use without checking authentication. Thus, electronic device 100 provides the user with the option (e.g., using selection affordance 904) to disable (or enable) express transit mode, which allows assets to be sent in a particular transaction without requiring authentication. In some embodiments, when the express transit feature is enabled (e.g., by moving selection affordance 904 to the "on" position), electronic device 100 provides faster and more convenient access to accounts designated as express transit accounts. In some embodiments, when the express transit feature is disabled (e.g., by moving selection affordance 904 to the "off" position), electronic device 100 provides additional security for accounts provisioned on the electronic device.

[0283] In some embodiments, electronic device 100 displays an affordance (e.g., 902C) for provisioning an account to a virtual card on the electronic device (or on a device different from the electronic device). In some embodiments, the virtual card is a transit virtual card. In some embodiments, the transit virtual card stores transit plan (or transit pass) information. In some embodiments, the transit plan is a monthly or weekly transit plan. In some embodiments, the transit virtual card stores electronic money. In some embodiments, the virtual card is a stored-value virtual card. In some embodiments, the stored-value virtual card stores electronic money. Thus, in some embodiments, electronic device 100 provides a user with the ability to use the virtual card to provide the user access to the transit system.

[0284] In some embodiments, as shown in FIG. 9A , an electronic device detects activation of an affordance (e.g., 902C) for provisioning an account on electronic device 100. In response to detecting activation of an affordance (e.g., 902C) for provisioning an account on electronic device 100, the electronic device displays a user interface for selecting between two types of accounts (e.g., a stored-value account and a non-stored-value account), as shown in FIG. 9B . Thus, in some embodiments, electronic device 100 displays (e.g., simultaneously) an affordance (e.g., 906A) for provisioning a non-stored-value account and an affordance (e.g., 906B) for provisioning a stored-value account. In some embodiments, a stored-value account is an account in which assets or data (in the form of binary code data) associated with each account are physically stored on a stored-value card associated with the stored-value account. Thus, the stored-value card has stored value. In some examples, the stored-value card is a closed-loop stored-value card. In some embodiments, the stored-value card is a transit card (e.g., a stored-value transit card). In some embodiments, the stored-value transit account stores transit plan (or transit pass) information. In some embodiments, the transit plan is a monthly or weekly transit plan. In some embodiments, the stored-value transit account stores electronic money. In some embodiments, electronic device 100 can transmit assets from the stored-value transit account using NFC and without access to an IP network or internet connection, which conserves power and allows assets to be transferred from the stored-value transit account even when an IP network or internet connection is not available.

[0285] In some embodiments, as shown in FIG. 9B, electronic device 100 detects activation of an affordance (e.g., 906B) for provisioning a stored-value account. FIGS. 9C-9F illustrate user interfaces (e.g., displayed in response to detecting activation of affordance 906B) for prompting and receiving verification information, according to some embodiments. As shown in FIGS. 9C-9F, electronic device 100 requests (e.g., by displaying a prompt on a display of the electronic device) verification information (e.g., 914A-914B, 920A, 920B) for verifying ownership of the stored-value card and receives input from a user via one or more input devices, including verification information (e.g., 914C, 920C) for verifying ownership of the card, where the input from the user including the verification information is not received by one or more short-range communication radios of the electronic device, and the verification information includes information not displayed on the stored-value card. In some embodiments, assets and / or data associated with the stored-value card are physically stored on the card in the form of binary code data. In some embodiments, the stored value card is an NFC readable stored value card, in some embodiments, the stored value card is a stored value transit card, in some embodiments, the stored value card is a stored value gift card.

[0286] As shown in FIGS. 9C and 9E, electronic device 100 requests (e.g., by displaying a prompt on the display of the electronic device) verification information (e.g., 914A-914B, 920A-920B) to verify ownership of the stored value card. In some embodiments, the verification information is (or includes) the card number (e.g., 914C) of the stored value card (e.g., 910). In some embodiments, the verification information is (or includes) information personal to the registered user of the stored value card (e.g., 920C). In some examples, the verification information is a non-account number identifier. In some examples, the verification information includes the birth date (e.g., 920C) of the registered user of the stored value card. In some examples, the verification information includes the email address of the registered user of the stored value card. Thus, in some examples, electronic device 100 provides additional security by requesting personal information for verification. In some embodiments, the verification information is (or includes) the stored value of the stored value card. Thus, in some embodiments, a user who knows the current stored value of a stored value card and has access to the card can transfer at least some (or all) of the stored value from the stored value card to a virtual card stored on electronic device 100.

[0287] 9D and 9F, electronic device 100 receives input from a user via one or more input devices (e.g., virtual keypad 916) including verification information (e.g., 914C, 920C) to verify card ownership, where the input from the user including the verification information is not received by one or more short-range communication radios of the electronic device, and the verification information includes information not shown on the stored-value card (e.g., 910). In some examples, the verification information (e.g., 914C, 920C) is received via a first input device (e.g., touch-sensitive surface, microphone) of electronic device 100 that is different from the one or more short-range communication radios.

[0288] In some embodiments, electronic device 100 does not present the card account number of the stored value card (e.g., on a display of the electronic device) before receiving input from a user of the device via one or more input devices that includes verification information to verify ownership of the card (e.g., 914C, 920C). Thus, in some embodiments, the user must have access to the card (or account) number through a means other than electronic device 100. For example, the user may provide the card number to electronic device 100 based on the card number printed on a receipt or invoice for the card, or based on the card number printed on the card (e.g., 910). In some embodiments, following a determination that the card is being registered (e.g., in a registration mode), the electronic device presents the card account number of the card (e.g., on a display of the electronic device) before receiving input from a user of the device via one or more input devices that includes verification information to verify ownership of the card.

[0289] 9G, electronic device 100 displays prompts (e.g., 908, 930) on the display of the electronic device for the user to place the electronic device within communication range of the stored value card (e.g., within range of one or more short-range communication radios). For example, electronic device 100 displays prompts (e.g., 908, 930) instructing the user to place electronic device 100 over the stored value card (e.g., 910) so that the back of the electronic device (e.g., the side of the electronic device opposite the display) is closest to the stored value card.

[0290] As shown in FIG. 9H , in response to a stored value card (e.g., 910) being placed within range of one or more short-range communication radios of electronic device 100 (e.g., card 910 being placed on the back of the electronic device as shown in FIG. 9H ), electronic device 100 receives identification information (e.g., the card number, date of birth, and email address of the stored value card) from the stored value card via the one or more short-range communication radios (e.g., NFC radios). In some embodiments, electronic device 100 presents (e.g., to a user) an indication (e.g., 912) that identification information has been received from the stored value card (e.g., 910). In some examples, the received identification information is the card number of the stored value card (e.g., 910). In some examples, the received identification information is the date of birth of a registered user of the stored value card (e.g., 910). In some examples, the received identification information is the email address of a registered user of the stored value card (e.g., 910). In some embodiments, electronic device 100 displays and / or generates feedback (e.g., to a user) (e.g., indication 912) indicating that the electronic device is receiving identification information from the stored value card (e.g., 910). For example, electronic device 100 probes the stored value card (e.g., 910) for identification information via one or more short-range communication radios (e.g., NFC radios). In some examples, as shown in FIG. 9G, prompts (e.g., 908, 930) to place electronic device 100 within communication range of the stored value card (e.g., 910) are generated following receipt of the verification information, as shown in FIGS. 9D and 9F.

[0291] As shown in FIG. 9I, after receiving the identification information, electronic device 100 verifies ownership of the stored value card (e.g., 910) by comparing verification information (e.g., 914C, 920C, entered by the user) with the identification information received from the stored value card. In some embodiments, electronic device 100 presents (e.g., to the user) an indication (e.g., 924A) that identification information has been received from the stored value card (e.g., 910). In some embodiments, electronic device 100 presents (e.g., to the user) an indication (e.g., 924B) that ownership of the stored value card (e.g., 910) has been verified by the electronic device. In some embodiments, after receiving the identification information, electronic device 100 transmits the identification information to a remote server. The remote server verifies ownership of the stored-value card (e.g., 910) (e.g., by comparing verification information (e.g., 914C, 920C, entered by the user) with the identification information received from the stored-value card), and the remote server sends an indication to the electronic device as to whether ownership verification was successful (e.g., values ​​match or correspond to each other). Thus, ownership determination / verification can be performed at the electronic device or at a remote device.

[0292] 9J , following a determination that ownership verification is not successful, electronic device 100 displays and / or generates feedback (e.g., visual, audio, and / or tactile output generated by the device) indicating that ownership verification was not successful (e.g., indication 920D). Thus, in some examples, electronic device 100 notifies the user that the verification information is incorrect. For example, a determination that ownership verification is not successful is made when the verification information received from the user (e.g., 914C, 920C) does not correspond to (or match) the identification information. In some examples, following a determination that ownership verification is not successful, electronic device 100 again requests (e.g., from the user) verification information (e.g., stored value card card number, date of birth, email address) to verify ownership of the stored value card (e.g., 910). For example, electronic device 100 displays a prompt (e.g., 920A, 920B) on the display of the electronic device indicating to the user to re-enter the verification information.

[0293] In some embodiments, as shown in FIG. 9K, following a determination that ownership verification is successful, electronic device 100 presents (e.g., on a display of the electronic device) an indication of successful completion of the verification (e.g., 928A, 928B). For example, ownership verification is successful if the verification information corresponds to (or matches) the identification information. In some implementations, the verification information is a non-account number identifier (e.g., date of birth) and the identification information is an account number. Thus, in some implementations, electronic device 100 uses the identification information to retrieve (e.g., from a remote server) a non-account number identifier (e.g., date of birth) of the account corresponding to the account number. If the retrieved non-account number identifier matches the verification information, the verification information is considered to correspond to the identification information and verification is successful.

[0294] In some embodiments, following a determination that ownership verification is successful, electronic device 100 presents (e.g., displays) one or more indications of one or more items of information (e.g., 928C-928E) associated with the verified card (e.g., 910). In some embodiments, electronic device 100 presents (e.g., displays) an indication of the name of a user (e.g., 928C) associated with the card (e.g., 910). In some embodiments, electronic device 100 presents (e.g., displays) an indication of the current balance (e.g., 928D) of the card (e.g., 910). In some embodiments, electronic device 100 presents (e.g., displays) an indication of transit plan (or transit pass) information (e.g., 928E) associated with the card (e.g., 910).

[0295] In some embodiments, following a determination that ownership verification is successful, electronic device 100 displays an affordance or input field (e.g., 928F) including an indication of the amount of the stored value of the card (e.g., 910) to be transferred from the card to the virtual card stored on electronic device 100. In some examples, the electronic device receives user input (e.g., into input field 928F) of the amount of the stored value of the card to be transferred from the card (e.g., 910) to the virtual card stored on electronic device 100. In some embodiments, the affordance (e.g., 928G), when activated, causes the electronic device to display a user interface for user selection of the amount to be transferred from the stored value card (e.g., 910) to the virtual card stored on electronic device 100. For example, the user may select to transfer the entire amount of the stored value of the card (e.g., 910) from the card to the virtual card on electronic device 100.

[0296] In some embodiments, following a determination that ownership verification is successful, electronic device 100 displays an affordance (e.g., 928G) that can be activated by user input to initiate the process of transferring value. When activated, the affordance (e.g., 928G) initiates the process of transferring value from the card (e.g., 910) to a virtual card on the electronic device. In some embodiments, the affordance (e.g., 928G) for initiating the process of transferring value cannot be activated before the amount of value to be transferred is selected / received (e.g., into input field 928F). In some embodiments, when transfer value is selected (e.g., at affordance 928F), activating the affordance (e.g., 928F) initiates the process of transferring the entire available balance on the card (e.g., 910). In some embodiments, the affordance (e.g., 928G) initiates the process of transferring the entire available balance on the card (e.g., 910).

[0297] 9L, electronic device 100 transfers (e.g., via one or more short-range communication radios) at least some (or all) of the stored value from the card (e.g., 910) to a virtual card stored on the electronic device. In some embodiments, the virtual card is stored in an account information application (e.g., an electronic wallet) of electronic device 100. In some embodiments, during the transfer, electronic device 100 displays and / or generates feedback (e.g., visual, audio, and / or tactile output generated by the device) indicating (e.g., indication 932A) (e.g., to a user) that at least some (or all) of the stored value from the stored value card (e.g., 910) is being transferred to the virtual card on the electronic device and indicating (e.g., indication 908, 932B) (e.g., to a user) that electronic device 100 maintains extended contact or proximity to the stored value card (e.g., 910) while the transfer is in progress.

[0298] In some embodiments, following a successful transfer of at least some (or all) of the stored value from the stored value card (e.g., 910) to the virtual card stored in the electronic device 100, the virtual card includes at least some (or all) of the stored value and the stored value card (e.g., 910) does not include at least some (or all) of the stored value. In some embodiments, transferring at least some (or all) of the stored value from the stored value card (e.g., 910) to the virtual card stored in the electronic device 100 includes removing the stored value from the stored value card (e.g., 910) and sending (e.g., via a network or internet connection) a request to a server, service, or database associated with the card (e.g., 910) to deactivate the stored value card (e.g., destroy the card and render the card inoperable). For example, all of the stored value from the stored value card (e.g., 910) is removed and the stored value card (e.g., 910) is subsequently rendered inoperable. Thus, in some embodiments, the functionality and / or value of the physical card (e.g., 910) is transferred in its entirety to a virtual card stored on the electronic device 100, thereby replacing the physical card (e.g., 910) with the virtual card.

[0299] In some embodiments, before receiving the card account number of the stored value card (e.g., 910) and before verifying card ownership (and / or receiving an indication of verification of card ownership), a virtual card is stored (e.g., as a template virtual card) in electronic device 100 (e.g., in an account information application of electronic device 100). In some embodiments, electronic device 100 includes a template virtual card (e.g., a “blank” virtual card) that already exists on the electronic device and does not contain any value or assets. In some examples, electronic device 100 transfers at least some (or all) of the stored value from the stored value card (e.g., 910) to the template virtual card. Thus, in some examples, the functionality and / or value of the card (e.g., 910) can be moved to the template virtual card, eliminating the need to configure electronic device 100 with a new virtual card. The use of a template virtual card accelerates the process of transferring assets from a stored value card (e.g., 910) to electronic device 100 because a new virtual card does not need to be created during the provisioning process or transfer operation.

[0300] 9M, following a determination that the value transfer was not successful, electronic device 100 displays and / or generates (e.g., to a user) feedback (e.g., visual, audio, and / or tactile output generated by the device) indicating (e.g., indication 934A) that the value transfer was not successful. In some embodiments, electronic device 100 displays and / or generates a second prompt (e.g., 934B, different from first prompt 930) that reiterates (e.g., by the user) performing a value transfer operation to transfer the value. In some examples, the second prompt includes visual, audio, and / or tactile feedback that encourages user interaction with the electronic device.

[0301] 9N, following a successful transfer of at least some (or all) of the stored value from the card (e.g., 910) to the virtual card stored on electronic device 100, the electronic device displays a representation of a virtual card corresponding to the stored-value card. In some embodiments, the representation of the virtual card corresponding to the stored-value card includes an indication of the type of virtual card (e.g., 936A). In some embodiments, the representation of the virtual card corresponding to the stored-value card includes a graphical representation of the virtual card (e.g., 936B). The indication of the type of virtual card (e.g., 936A) and the graphical representation (e.g., 936B) allow a user to distinguish the virtual card from different cards provisioned on electronic device 100.

[0302] In some embodiments, a representation of a virtual card corresponding to a stored-value card provisioned on electronic device 100 includes a menu (e.g., 940) that includes multiple selectable affordances (e.g., 940A, 940B, 940C). In some embodiments, the menu (e.g., 940) includes an information affordance (e.g., 940A). In some embodiments, the menu (e.g., 940) includes a transaction affordance (e.g., 940B). In some embodiments, the menu (e.g., 940) includes a device affordance (e.g., 940C). In some embodiments (e.g., in response to a user selection of an information affordance (e.g., 940A), as shown in FIG. 9N), the representation of the virtual card can individually or simultaneously display one or more information items (e.g., 936C-936E) related to the virtual card corresponding to the provisioned card (e.g., 910). In some embodiments, electronic device 100 displays the username (e.g., 936C) of the account registered to the virtual card. In some embodiments, electronic device 100 displays the asset balance (e.g., 936D) on the virtual card. In some embodiments, electronic device 100 displays transit pass information (e.g., 936E) on the virtual card (e.g., monthly pass, 10-ride pass, etc.). One example of electronic device 100 generating information (e.g., visual, audio, and / or tactile output generated by the device) regarding the details of the virtual card corresponding to the provisioned card (e.g., 910) to the user's perception is displaying information about the details of the virtual card on a display.

[0303] In some embodiments, following a successful transfer of at least some (or all) of the stored value from a stored-value card (e.g., 910) to a virtual card stored on electronic device 100, the electronic device displays the stored value (e.g., 936D) of the virtual card corresponding to the stored-value card. For example, if the electronic wallet application of electronic device 100 includes multiple virtual cards (or accounts) of the same type (e.g., multiple transit cards), the value of each of the multiple virtual cards is prominently displayed. This improved feedback enhances the usability of the electronic device by providing the user with the ability to distinguish between multiple virtual cards stored on (or accessible by) the electronic device and their corresponding stored values.

[0304] In some embodiments, following the transfer of at least some (or all) of the stored value from the stored value card (e.g., 910) to the virtual card stored on the electronic device 100, and pursuant to a determination that the electronic device does not have another linked transit account (e.g., the newly provisioned transit account is the initial (first) provisioned transit account and / or the only currently active transit account linked to the electronic device), the electronic device designates (by default or prompts the user to designate) the account on the virtual card as available for use without checking authorization. For example, if the virtual card corresponds to the initial (first) provisioned transit account, the virtual card corresponds only to the provisioned transit account and thus the only currently active transit account. In some embodiments, if the virtual card corresponds only to the provisioned transit account, the electronic device 100 designates the virtual card as an express transit card based on a determination that the virtual card corresponds only to the transit account in the electronic device's account information application. In some embodiments, using an express transit card (e.g., to make a payment or transmit authentication information) does not require checking authentication in certain circumstances (e.g., transactions in which the detected wireless signal corresponds to, for example, a request from a transaction terminal or a request for assets from a transit account), as described in connection with Figures 15A-15M. Thus, designating a virtual card as an express transit card reduces the number of user inputs required, thereby making the technology more efficient and conserving battery power.

[0305] In some embodiments, following transferring at least some (or all) of the stored value from the stored value card (e.g., 910) to the virtual card stored on the electronic device 100, and pursuant to a determination that the virtual card does not correspond to only provisioned transit accounts on the electronic device's account information application (e.g., electronic wallet), the electronic device refrains from designating (or prompts the user to designate) the virtual card's account as available for use without checking authorization. For example, if the virtual card does not correspond to the initial (first) provisioned transit account, the virtual card does not correspond to only provisioned transit accounts and is therefore not the only currently active transit account. In some embodiments, if the virtual card does not correspond to only provisioned transit accounts, the electronic device 100 designates (or prompts the user to designate) the virtual card's account as not available for use without checking authorization. Thus, in some embodiments, the electronic device 100 refrains from designating the virtual card as an express transit card based on a determination that the virtual card is not only a transit account on the account information application.

[0306] In some embodiments, following transferring at least some (or all) of the stored value from the stored value card (e.g., 910) to the virtual card stored on electronic device 100, and pursuant to a determination that the electronic device does not have another linked transit account (e.g., the newly provisioned transit account is the only initial (first) provisioned transit account and / or currently active transit account linked to the electronic device), and further pursuant to receiving user input indicating a desire not to make the account available for use without checking authorization (e.g., user input removing a previous express transit card in the account information application or refusing to add the previous account as an express transit card), the electronic device refrains from designating (or prompting the user to designate) the virtual card account as available for use without checking authorization. In some embodiments, electronic device 100 designates (or prompts the user to designate) the virtual card account as not available for use without checking authorization. Thus, in some embodiments, electronic device 100 does not designate the virtual card as an express transit card based on a determination that the virtual card is not the only transit account in the account information application. Thus, in some embodiments, electronic device 100 conforms to the user's preferences in designating or forgoing the designation of a virtual card to be an express transit card. Transit transactions also frequently occur at crowded transit stations with users (or other passengers) rushing to make transit connections. Even with the most accurate and reliable authentication, there is always some possibility of a false negative result, where a legitimate user is not properly authenticated (e.g., because the user's fingerprint is not accurately identified or the user enters an incorrect password, PIN, or pattern).Using an express transit transaction model in which security is provided by establishing the identity of the transaction terminal as a transit transaction terminal (e.g., established by transaction terminal signals or other contextual information) instead of user authorization for a specific transaction reduces the likelihood that a user (or other passenger) will be inconvenienced by a false negative authentication result while conducting a transit transaction with the device.

[0307] 10 is a flowchart illustrating a method for provisioning an account on an electronic device according to some embodiments. Method 1000 is performed on a device (e.g., 100, 300, 500) having a display, one or more input devices, and one or more short-range communication radios. Some operations in method 1000 are optionally combined, the order of some operations is optionally changed, and some operations are optionally omitted.

[0308] As described below, method 1000 provides an intuitive way to manage transactions. The method reduces the cognitive burden on a user managing transactions, thereby creating a more efficient human-machine interface. In the case of battery-operated computing devices, allowing users to manage transactions faster and more efficiently conserves power and increases the time between battery charges.

[0309] In block 1002, the electronic device requests (e.g., by displaying a prompt on the display of the electronic device) verification information (e.g., 914A-914B, 920A-920B) (e.g., the card number, date of birth, email address of the stored value card) to verify ownership of a stored value card (e.g., 910) (e.g., an NFC-readable stored value card, a stored value transit card, a stored value gift card, where assets and / or data are stored on the card in the form of binary code data), and the stored value card has stored value. For example, the verification information is used to confirm ownership of the stored value card. Thus, by verifying ownership, the operability of the electronic device is enhanced by preventing provisioning of the device based on assets from an unauthorized card.

[0310] According to some embodiments, the stored value card (e.g., 910) is a stored value transit card. In some examples, the stored value transit card stores transit plan (or transit pass) information. In some examples, the transit plan is a monthly or weekly transit plan. In some examples, the stored value transit card stores electronic money. Thus, in some examples, the electronic device provides the user with the ability to provision an account that can be used to provide the user access to the transit system.

[0311] According to some embodiments, the virtual card is a transit virtual card. In some embodiments, the transit virtual card stores transit plan (or transit pass) information. In some embodiments, the transit plan is a monthly or weekly transit plan. In some embodiments, the transit virtual card stores electronic money. According to some embodiments, the virtual card is a stored-value virtual card. In some embodiments, the stored-value virtual card stores electronic money. Thus, in some embodiments, the electronic device provides a user with the ability to use the virtual card to provide the user access to a transit system.

[0312] According to some embodiments, the verification information is the card account number of the stored value card (e.g., 910). In some examples, the verification information is (or includes) the stored value of the stored value card. Thus, in some examples, a user who knows the current stored value of the card can transfer at least some (or all) of the stored value from the card to a virtual card stored on the device.

[0313] According to some embodiments, the verification information (e.g., 920C) is information personal to the registered user of the stored value card. In some examples, the verification information is a non-account number identifier (e.g., date of birth). In some examples, the verification information is the date of birth of the registered user of the stored value card. In some examples, the verification information is the email address of the registered user of the stored value card. Thus, in some examples, the electronic device provides additional security by requiring personal information for verification. Thus, by verifying ownership using information personal to the user, the operability of the electronic device is enhanced by providing an increased level of security to prevent provisioning of the device based on assets from an unauthorized card.

[0314] In block 1004, the electronic device receives input from a user of the electronic device via one or more input devices (e.g., other than by one or more short-range communication radios), including verification information (e.g., 914C, 920C) for verifying ownership of the card (e.g., 910), the verification information including information not shown on the card. In some examples, the verification information is received via a first input device (e.g., a touch-sensitive surface, a microphone) of the electronic device that is different from the one or more short-range communication radios.

[0315] According to some embodiments, the electronic device does not present (e.g., on a display of the electronic device) the card account number of the stored value card (e.g., 910) before receiving input from a user of the electronic device via one or more input devices, including verification information (e.g., 914C, 920C) to verify ownership of the card. Thus, the user must have access to the card (or account) number through a means other than through the electronic device. For example, the user may present the card number based on the card number printed on a receipt or invoice for the card, or based on the card number printed on the card. In some examples, following a determination that the card is being registered (e.g., in "registration mode"), the electronic device presents (e.g., on a display of the electronic device) the card account number of the card before receiving (e.g., on a display of the electronic device) input from a user of the device via one or more input devices, including verification information to verify ownership of the card.

[0316] In block 1006, the electronic device displays a prompt (e.g., 908, 930) on the display of the electronic device to place the electronic device within communication range (e.g., of one or more short-range communication radios) of the stored value card (e.g., 910). For example, the electronic device displays a prompt instructing the user to place the electronic device over the stored value card so that the back of the electronic device (e.g., the side of the electronic device opposite the display) is closest to the stored value card. In some embodiments, the prompt to place the device within communication range is provided subsequent to receiving the identification information. Thus, by displaying the prompt, the electronic device notifies the user that the electronic device is attempting to communicate with the stored value card, thereby encouraging the user to place the electronic device near or over the stored value card.

[0317] At block 1008, the electronic device receives identification information (e.g., the stored value card's card number, date of birth, email address) from the stored value card (e.g., 910) via one or more short-range communication radios (e.g., NFC radios). For example, the electronic device searches the stored value card for the identification information.

[0318] In block 1010, the electronic device verifies ownership of the stored value card (e.g., 910) by comparing the verification information (e.g., 914C, 920C) with the identification information. Thus, by verifying ownership of the stored value card, the electronic device provides additional security by preventing the electronic theft of assets from cards that do not belong to the individual. According to some embodiments, prior to receiving the card account number for the card (e.g., 910) and prior to verifying ownership of the card, a virtual card is stored on the electronic device (e.g., in an account information application). In some examples, the electronic device includes a "blank" virtual card that does not have any value (e.g., assets). The electronic device transfers at least some (or all) of the stored value from the card to the "blank" virtual card. Thus, the existing virtual card can be funded, eliminating the need to configure the electronic device with a new virtual card. In some examples, this speeds up the process of transferring assets to the electronic device.

[0319] Pursuant to a determination in block 1012 that the ownership verification is successful (e.g., the verification information corresponds to (or matches) the identification information), in block 1014 the electronic device transfers at least some (or all) of the stored value from the stored value card (e.g., 910) to a virtual card stored on the electronic device (e.g., transferring an account stored in an electronic wallet application of the electronic device). In some embodiments, the electronic device includes a secure element, and transferring at least some of the stored value from the stored value card to the virtual card stored on the electronic device includes storing, in the secure element of the electronic device, information for accessing the stored value of the virtual card. In some embodiments, when some or all of the stored value from the card is transferred to the virtual card, information for retrieving the value from the virtual card is stored in the secure element to ensure that the stored value cannot be accessed without a properly processed payment transaction that retrieves the information from the secure element. Thus, transferring value to a virtual card stored on the electronic device enhances the operability of the electronic device by enabling the device to participate in transactions using the newly transferred assets stored on the virtual card. In some implementations, the verification information is a non-account number identifier (e.g., date of birth) and the identification information is an account number. The electronic device uses the identification information (e.g., from a remote server) to retrieve the non-account number identifier (e.g., date of birth) of the account corresponding to the account number. If the retrieved non-account number identifier matches the identification information, the verification information is considered to correspond to the identification information and verification is successful.

[0320] According to some embodiments, transferring at least some (or all) of the stored value from the stored value card (e.g., 910) to a virtual card stored on the electronic device includes sending a request to a server to remove the stored value from the stored value card (e.g., 910) and deactivate the stored value card (e.g., 910) (e.g., destroy the card, render the card inoperable). For example, the electronic device removes all value from the stored value card and renders it inoperable. Thus, in some embodiments, the full functionality and / or value of the stored value card is moved to the virtual card, replacing the physical card with the virtual card.

[0321] According to some embodiments, following a determination at block 1016 that ownership verification is not successful (e.g., the verification information does not correspond to (or match) the identifying information (e.g., ownership verification is not successful)), the electronic device displays and / or generates feedback (e.g., a visual, audio, and / or tactile output generated by the device) indicating that ownership verification was not successful (e.g., indication 920D) (e.g., by displaying a notification on the display of the electronic device) at block 1018, and (re)requests (e.g., from the user) (e.g., by displaying a prompt on the display of the electronic device) verification information (e.g., the card number of the stored value card, date of birth, email address) to verify ownership of the stored value card (e.g., 910). Thus, in some examples, the electronic device notifies the user that the verification information is incorrect. Thus, by generating feedback, the electronic device notifies the user that the electronic device has determined that ownership verification was not successful, thereby prompting the user to provide information to verify ownership again.

[0322] According to some embodiments, following the transfer of at least some of the stored value from the stored-value card (e.g., 910) to the virtual card stored on the electronic device, the electronic device displays the virtual card's stored value on a display. For example, if the electronic device's electronic wallet application includes multiple virtual cards (or accounts) of the same type, the virtual card's value is prominently displayed to help the user distinguish among the multiple virtual cards. Thus, the electronic device notifies the user of the virtual card's stored value. This improved feedback enhances the usability of the electronic device by providing the user with the ability to distinguish between multiple virtual cards stored on (or accessible by) the electronic device and their corresponding stored values.

[0323] According to some embodiments, following transfer of at least some (or all) of the stored value from a stored-value card (e.g., 910) to a virtual card stored on the electronic device, the electronic device displays the virtual card's transit plan information (e.g., a monthly pass, a 10-ride pass, etc.), where the transit plan information is based on at least some (or all) of the transferred stored value. Thus, the electronic device informs the user about the details of the virtual card. This enhanced feedback informs the user of the state of the electronic device, such as which virtual cards are stored on the device and what transit plan information, if any, the virtual cards contain.

[0324] According to some embodiments, following transferring at least some (or all) of the stored value from the stored value card (e.g., 910) to the virtual card stored on the electronic device, the electronic device displays (e.g., simultaneously) one or more of the balance of the virtual card (e.g., 936D), the username of the account registered to the virtual card (e.g., 936C), and the transit plan information (e.g., monthly pass, 10-ride pass, etc.) (e.g., 936E) for the virtual card. Thus, the electronic device informs the user about the details of the virtual card.

[0325] According to some embodiments, upon determining (e.g., following transferring at least some (or all) of the stored value from the card to the stored virtual card) that the electronic device does not have another linked transit account (e.g., the newly provisioned transit account is the only initially provisioned transit account and / or the only currently active transit account linked to the electronic device), the electronic device designates the virtual card account as available for use without checking authorization. In some examples, using the virtual card account to participate in a transaction includes releasing information (e.g., transaction information, payment information) from a secure element of the electronic device. Thus, the electronic device designates the virtual card as an express transit card (based on determining that the virtual card is only a transit account in the account information application), an express transit card that the electronic device can use without checking authorization for transactions in which a detected wireless signal corresponds to a first type of request (e.g., a request from a transaction terminal, a request for assets from a transit account). Thus, by automatically designating the virtual card as available for use without checking authorization, the operability of the electronic device is enhanced by reducing the number of inputs required to perform a transaction operation using the virtual card. According to some embodiments, following a determination that the electronic device has one or more other linked transit accounts, the electronic device refrains from designating (or refrains from prompting the user to designate) the virtual card account as available for use without checking authorization (and / or designates the virtual card account as not available for use without checking authorization). Thus, the electronic device does not designate the virtual card as an express transit card (based on a determination that the virtual card is not the only transit account in the account informat...

Claims

1. 1. An electronic device having one or more input devices and one or more short-range communication radios, receiving, by said one or more short range communications radios, a card account number for a card, said card having a stored value; requesting verification information to verify ownership of the card; receiving input from a user of the electronic device via the one or more input devices, the input including verification information for verifying ownership of the card; verifying ownership of the card by comparing the verification information with separate information about the card received separately from the verification information; Pursuant to a determination that the ownership verification is successful, generating a prompt to perform a value transfer operation for the transfer of value; transferring at least some of the stored value from the card to a virtual card stored on the electronic device in conjunction with the value transfer operation; The method includes:

2. The method of claim 1 , wherein the verification information is information that is not shown on the card.

3. The method of claim 1 or 2, wherein the card is a stored value card.

4. pursuant to a determination that the transfer of value was not successful, The method of claim 1 , further comprising generating a second prompt to perform a transfer value operation for the transfer of the value.

5. Pursuant to a determination that the verification of ownership was not successful, The method of claim 1 , further comprising generating feedback indicating that the ownership verification was unsuccessful.

6. pursuant to a determination that the card is registered, requesting verification information to verify ownership of the card includes requesting information not shown on the card; pursuant to a determination that the card is not registered, The method of claim 1 , wherein requesting verification information to verify ownership of the card comprises requesting information indicated on the card.

7. pursuant to a determination that the card is not registered and prior to verifying ownership of the card, requiring an account number provided by a user of the card as part of requiring verification information to verify ownership of the card; receiving an account number provided by the user of the card as part of receiving input from the user of the electronic device including verification information for verifying ownership of the card; comparing an account number provided by the user to the card account number as part of verifying ownership of the card by comparing the verification information to separate information, the separate information including the received card account number of the card; The method of claim 1 , further comprising:

8. 8. The method of claim 1, wherein the electronic device does not present the card account number of the card before receiving input from the user of the electronic device via the one or more input devices that includes verification information for verifying ownership of the card.

9. pursuant to a determination that the card is registered, transmitting the card account number of the card; receiving said separate information; The method of claim 1 , further comprising:

10. 10. The method of claim 1, further comprising forgoing receiving an account number provided by a user of the card.

11. The electronic device includes a display, and the method further comprises: Following transferring at least some of the stored value from the card to the virtual card stored on the electronic device, 11. The method of claim 1, further comprising displaying, on the display, transit plan information of the virtual card, the transit plan information being based on at least some of the transferred stored value.

12. The electronic device includes a display, and the method further comprises: Following transferring at least some of the stored value from the card to the virtual card stored on the electronic device, 12. The method of claim 1, further comprising displaying on the display one or more of the balance of the virtual card, the username of an account registered to the virtual card, and transit plan information for the virtual card.

13. Transferring at least some of the stored value from the card to the virtual card stored on the electronic device includes: removing the stored value from the card; and sending a request to a server to deactivate the card; 13. The method of any one of claims 1 to 12, comprising:

14. pursuant to a determination that the electronic device does not have another linked transit account, designating the virtual card account as available for use without checking authorization; and pursuant to a determination that the electronic device has one or more other linked transit accounts, refraining from designating the accounts of the virtual card as available for use without checking authorization; 14. The method of any one of claims 1 to 13, comprising:

15. In response to a determination that the electronic device does not have another linked transit account, 15. A method according to any one of claims 1 to 14, comprising forgoing designating the account of the virtual card as being available for use without checking authentication pursuant to receiving user input indicating a desire not to make the account available for use without checking authentication.

16. receiving user input indicating a desire not to make the account available for use without checking authentication; designating the virtual card account as not available for use without checking authentication in response to receiving the user input indicating the desire to not make the account available for use without checking authentication; 16. The method of any one of claims 1 to 15, comprising:

17. receiving a user input selecting an account to be made available for use without checking authentication; in response to receiving the user input selecting the account to be made available for use without checking authentication, designating the selected account as being available for use without checking authentication; 17. The method of any one of claims 1 to 16, comprising:

18. 18. The method of claim 1, wherein the virtual card is stored on the device prior to receiving the card account number for the card and prior to verifying ownership of the card.

19. The electronic device includes a display, and the method further comprises: Following transferring at least some of the stored value from the card to the virtual card stored on the electronic device, 19. The method of any one of claims 1 to 18, further comprising displaying on the display a stored value of the virtual card.

20. 20. A computer readable storage medium having stored thereon one or more programs configured to be executed by one or more processors of an electronic device having one or more input devices and one or more short range communication radios, the one or more programs including instructions for performing the method of any one of claims 1 to 19.

21. one or more input devices; one or more short-range communication radios; one or more processors; a memory storing one or more programs configured to be executed by the one or more processors; 20. An electronic device comprising:

22. one or more input devices; one or more short-range communication radios; Means for carrying out the method according to any one of claims 1 to 19; 1. An electronic device comprising:

23. 1. A non-transitory computer-readable storage medium having stored thereon one or more programs configured to be executed by one or more processors of an electronic device having one or more input devices and one or more short-range communication radios, the one or more programs comprising: receiving, by said one or more short-range communications radios, a card account number of a card having a stored value; requesting verification information to verify ownership of the card; receiving input from a user of the electronic device via the one or more input devices, the input including verification information for verifying ownership of the card; verifying ownership of the card by comparing the verification information with separate information about the card received separately from the verification information; Pursuant to a determination that the ownership verification is successful, generating a prompt to perform a value transfer operation for the transfer of value; transferring at least some of the stored value from the card to a virtual card stored on the electronic device in conjunction with the value transfer operation; A non-transitory computer-readable storage medium containing instructions.

24. one or more input devices; one or more short-range communication radios; one or more processors; a memory storing one or more programs configured to be executed by one or more processors; wherein the one or more programs include receiving, by said one or more short-range communications radios, a card account number of a card having a stored value; requesting verification information to verify ownership of the card; receiving input from a user of the electronic device via the one or more input devices, the input including verification information for verifying ownership of the card; verifying ownership of the card by comparing the verification information with separate information about the card received separately from the verification information; Pursuant to a determination that the ownership verification is successful, generating a prompt to perform a value transfer operation for the transfer of value; transferring at least some of the stored value from the card to a virtual card stored on the electronic device in conjunction with the value transfer operation; An electronic device that contains instructions.

25. one or more input devices; one or more short-range communication radios; means for receiving, by said one or more short range communication radios, a card account number of a card, said card having a stored value; means for requesting verification information to verify ownership of the card; means for receiving input from a user of the electronic device via the one or more input devices, the input including verification information for verifying ownership of the card; means for verifying ownership of the card by comparing the verification information with separate information about the card received separately from the verification information; Pursuant to a determination that the ownership verification is successful, generating a prompt to perform a value transfer operation for the transfer of value; transferring at least some of the stored value from the card to a virtual card stored on the electronic device in conjunction with the value transfer operation; Means, 1. An electronic device comprising:

26. 1. An electronic device having a display, one or more input devices, and one or more short-range communication radios, requesting verification information to verify ownership of a stored value card, the stored value card having a stored value; receiving input from a user of the electronic device via the one or more input devices, the input including verification information for verifying ownership of the card, the verification information including information not shown on the card; displaying a prompt on the display of the electronic device to place the electronic device within communication range of the stored value card; receiving, by said one or more short-range communication radios, identification information from said stored value card; verifying ownership of the stored value card by comparing the verification information to the identification information; Pursuant to a determination that the ownership verification is successful, transferring at least some of the stored value from the stored value card to a virtual card stored on the electronic device; The method includes:

27. Pursuant to a determination that the verification of ownership was not successful, generating feedback indicating that the ownership verification was unsuccessful; and requesting verification information to verify ownership of the stored value card; 27. The method of claim 26, further comprising:

28. Transferring at least some of the stored value from the stored value card to the virtual card stored on the electronic device comprises: removing the stored value from the stored value card; sending a request to a server to deactivate the stored value card; 28. The method of claim 26 or 27, comprising:

29. 29. The method of any one of claims 26 to 28, wherein the stored value card is a stored value transit card.

30. 30. The method of any one of claims 26 to 29, wherein the virtual card is a transit virtual card.

31. 31. The method of any one of claims 26 to 30, wherein the virtual card is a stored-value virtual card.

32. 32. The method of any one of claims 26 to 31, wherein the verification information is a card account number of the stored value card.

33. 33. The method of any one of claims 26 to 32, wherein the electronic device does not present the card account number of the stored value card before receiving input from the user of the electronic device via the one or more input devices that includes verification information to verify ownership of the card.

34. following transferring at least some of the stored value from the stored value card to the virtual card stored on the electronic device; 34. A method according to any one of claims 26 to 33, comprising displaying on the display a stored value of the virtual card.

35. following transferring at least some of said stored value from said stored value card to a virtual card stored on said electronic device; 35. The method of any one of claims 26 to 34, further comprising displaying transit plan information on the virtual card, the transit plan information being based on at least some of the stored value that was transferred.

36. following transferring at least some of said stored value from said stored value card to a virtual card stored on said electronic device; 36. The method of any one of claims 26 to 35, further comprising displaying one or more of the balance of the virtual card, the username of an account registered to the virtual card, and transit plan information for the virtual card.

37. 37. A method according to any one of claims 26 to 36, wherein the verification information is personal to a registered user of the stored value card.

38. pursuant to a determination that the electronic device does not have another linked transit account, designating the virtual card account as available for use without checking authorization; and pursuant to a determination that the electronic device has one or more other linked transit accounts, refraining from designating the accounts of the virtual card as available for use without checking authorization; 38. The method of any one of claims 26 to 37, comprising:

39. In response to a determination that the electronic device does not have another linked transit account, 39. A method according to any one of claims 26 to 38, comprising forgoing designating the account of the virtual card as being available for use without checking authentication pursuant to receiving user input indicating a desire not to make the account available for use without checking authentication.

40. receiving user input indicating a desire not to make the account available for use without checking authentication; designating the virtual card account as not available for use without checking authentication in response to receiving the user input indicating the desire to not make the account available for use without checking authentication; 40. The method of any one of claims 26 to 39, comprising:

41. receiving a user input selecting an account to be made available for use without checking authentication; in response to receiving the user input selecting the account to be made available for use without checking authentication, designating the selected account as being available for use without checking authentication; 41. The method of any one of claims 26 to 40, comprising:

42. 42. The method of any one of claims 26 to 41, wherein the virtual card is stored on the electronic device prior to receiving the card account number for the card and prior to verifying ownership of the card.

43. 43. A computer-readable storage medium having stored thereon one or more programs configured to be executed by one or more processors of an electronic device having a display, one or more short-range communication radios, and one or more input devices, the one or more programs including instructions for performing the method of any one of claims 26 to 42.

44. A display and one or more short-range communication radios; one or more input devices; one or more processors; a memory storing one or more programs configured to be executed by the one or more processors; 43. An electronic device comprising: said one or more programs comprising instructions for performing the method of any one of claims 26 to 42.

45. A display and one or more short-range communication radios; one or more input devices; Means for carrying out the method according to any one of claims 26 to 42; 1. An electronic device comprising:

46. 1. A non-transitory computer-readable storage medium having stored thereon one or more programs configured to be executed by one or more processors of an electronic device having a display, one or more short-range communication radios, and one or more input devices, the one or more programs comprising: A stored value card, the stored value card requiring verification information to verify ownership of the stored value card having a stored value; receiving input from a user of the electronic device including, via the one or more input devices, verification information for verifying ownership of the card, the verification information including information not shown on the card; displaying a prompt on the display of the electronic device to place the electronic device within communication range of the stored value card; receiving, by said one or more short-range communication radios, identification information from said stored value card; verifying ownership of the stored value card by comparing the verification information to the identification information; Pursuant to a determination that the ownership verification is successful, transferring at least some of the stored value from the stored value card to a virtual card stored on the electronic device; A non-transitory computer-readable storage medium containing instructions.

47. A display and one or more short-range communication radios; one or more input devices; one or more processors; a memory storing one or more programs configured to be executed by the one or more processors; wherein the one or more programs include A stored value card, the stored value card requiring verification information to verify ownership of the stored value card having a stored value; receiving input from a user of the electronic device including, via the one or more input devices, verification information for verifying ownership of the card, the verification information including information not shown on the card; displaying a prompt on the display of the electronic device to place the electronic device within communication range of the stored value card; receiving, by said one or more short-range communication radios, identification information from said stored value card; verifying ownership of the stored value card by comparing the verification information to the identification information; Pursuant to a determination that the ownership verification is successful, transferring at least some of the stored value from the stored value card to a virtual card stored on the electronic device; An electronic device that contains instructions.

48. A display and one or more short-range communication radios; one or more input devices; means for requesting verification information to verify ownership of a stored value card, the stored value card having a stored value; means for receiving input from a user of the electronic device via the one or more input devices, the input including verification information for verifying ownership of the card, the verification information including information not shown on the card; and means for displaying, on the display of the electronic device, a prompt to place the electronic device within communication range of the stored value card; means for receiving, by said one or more short-range communication radios, identification information from said stored value card; means for verifying ownership of the stored value card by comparing the verification information with the identification information; Pursuant to a determination that the ownership verification is successful, means for transferring at least some of said stored value from said stored value card to a virtual card stored on said electronic device; 1. An electronic device comprising:

49. In an electronic device having a display and one or more input devices, displaying on the display a representation of a stored-value account including an activatable add-value option, the electronic device having an electronic wallet application including the stored-value account and a payment account; detecting activation of the add-value option via the one or more input devices while displaying the representation of the stored-value account; detecting, via the one or more input devices, activation of a fund-account option of the electronic wallet application for adding value to the stored value account using the payment account; receiving authentication information at the electronic device while displaying a proposed transaction to add assets from the payment account to the stored value account; in response to receiving the authentication information and in accordance with a determination that the authentication information matches registered authentication information for performing payment transactions using the payment account, adding value to the stored value account using the payment account; The method includes:

50. 50. The method of claim 49, comprising: in response to receiving the authentication information and following a determination that the authentication information does not match registered authentication information for conducting payment transactions using the payment account, forgoing adding value to the stored value account using the payment account.

51. 51. A method according to claim 49 or 50, comprising generating a prompt providing approval to add value from the payment account to the stored value account prior to receiving the authentication information.

52. 52. A method according to any one of claims 49 to 51, wherein the representation of a stored-value account includes a current balance of the stored-value account.

53. 53. The method of claim 52, further comprising, following adding value to the stored-value account using the payment account, updating a display of the current balance of the stored-value account to reflect the value added to the stored-value account.

54. 54. A method according to any one of claims 49 to 53, further comprising displaying on the display a representation of a second payment account that does not include an activatable add-value option.

55. displaying on the display a user interface for user input to add value to the stored-value account using the payment account, the user interface for user input to add value comprising: A virtual numeric keypad; One or more proposed amounts; the current balance of the stored value account; and At the same time, receiving an input at said virtual numeric keypad of an amount to add value to said stored value account using said payment account; in response to receiving the input on the virtual numeric keypad, updating a display of the one or more offer amounts based on the received input on the virtual numeric keypad; 55. The method of any one of claims 49 to 54, further comprising:

56. the received input on the virtual numeric keypad corresponds to an amount that exceeds a maximum allowable amount for adding value to the stored value account using the payment account; 56. The method of claim 55, wherein updating the display of the one or more offered amounts based on the received input on the virtual numeric keypad includes updating a display of one of the one or more offered amounts to reflect the maximum allowable amount.

57. 57. The method of claim 55 or 56, wherein at least one of the one or more proposed amounts is based on a previous amount used to add value to the stored value account using the payment account.

58. 58. The method of any one of claims 55 to 57, wherein at least one of the one or more proposed amounts is based on a current day of the month.

59. the user interface for user input for adding value to the stored value account using the payment account further simultaneously includes a graphical depiction of a card corresponding to the stored value account; the received input on the virtual numeric keypad corresponds to an amount that exceeds a maximum allowable amount for adding value to the stored value account using the payment account; 59. The method of any one of claims 55 to 58, comprising animating the graphical representation of the card corresponding to the stored value account to vibrate for a period of time in response to receiving the input at the virtual numeric keypad.

60. receiving a user input of a selected amount to add value to said stored value account; In response to receiving user input of the selected amount, displaying, on the display, a user interface requesting authentication; 60. The method of any one of claims 49 to 59, comprising:

61. 61. The method of any one of claims 49 to 60, wherein the stored value account is a transit account.

62. 62. The method of any one of claims 49 to 61, wherein the stored value account is a gift card account.

63. 63. The method of any one of claims 49 to 62, wherein adding value to the stored-value account using the payment account is part of a recurring transaction for adding value to the stored-value account using the payment account.

64. Detecting when a current balance of said stored value account falls below a minimum balance notification level; in response to detecting that the current balance of the stored-value account is below the minimum balance notification level, generating a notification that the current balance of the stored-value account is below the minimum balance notification level; 64. The method of any one of claims 49 to 63, comprising:

65. receiving a user input activating the notification; in response to receiving the user input activating the notification, displaying on the display the user interface for user input to add value to the stored value account using the payment account; 65. The method of claim 64, comprising:

66. The stored value account is a transit account; The representation of the stored value account may include: an indication of a transit plan associated with the transit account; and an indication of the effective date of the transit plan; and 66. The method of any one of claims 49 to 61 and 63 to 65, comprising:

67. the stored value account is a transit account, and the method further comprises: displaying, on the display, a user interface for funding a transit account using the payment account, the user interface for funding the transit account comprising: One or more proposed amounts; The start and end dates of the recommended transit plan; 67. The method of any one of claims 49 to 61 and 63 to 66, comprising simultaneously:

68. the stored value account is a transit account, and the method further comprises:

68. The method of any one of claims 49-61 and 63-67, further comprising, in accordance with a determination that the transit plan for the stored value account is due for renewal, generating a notice indicating that the transit plan for the stored value account is due for renewal.

69. the stored value account is a transit account, and the method further comprises: Detecting proximity to a transit station; determining a likely destination based on one or more contextual factors; generating a notification that the stored-value account does not have sufficient assets to travel from the transit station to the anticipated destination in accordance with a determination that the stored-value account does not have sufficient assets to travel from the transit station to the anticipated destination; Further comprising:

69. A method according to any one of claims 49 to 61 and 63 to 68, wherein displaying the representation of the stored-value account including the activatable add-value option is in response to detecting activation of the notification that the stored-value account does not have sufficient assets.

70. 70. A computer readable storage medium storing one or more programs configured to be executed by one or more processors of an electronic device having a display and one or more input devices, the one or more programs including instructions for performing the method of any one of claims 49 to 69.

71. A display and one or more input devices; one or more processors; a memory storing one or more programs configured to be executed by the one or more processors; 70. An electronic device comprising: said one or more programs comprising instructions for performing the method of any one of claims 49 to 69.

72. A display and one or more input devices; Means for carrying out the method according to any one of claims 49 to 69; 1. An electronic device comprising:

73. A non-transitory computer-readable storage medium having stored thereon one or more programs configured to be executed by one or more processors of an electronic device having a display and one or more input devices, the one or more programs comprising: displaying on the display a representation of a stored-value account including an activatable add-value option, the electronic device having an electronic wallet application including the stored-value account and a payment account; detecting activation of the add-value option via the one or more input devices while displaying the representation of the stored-value account; detecting, via the one or more input devices, activation of a fund-account option in the electronic wallet application for adding value to the stored value account using the payment account; receiving authentication information at the electronic device while displaying a proposed transaction to add assets from the payment account to the stored value account; in response to receiving the authentication information and in accordance with a determination that the authentication information matches registered authentication information for performing payment transactions using the payment account, adding value to the stored value account using the payment account. A non-transitory computer-readable storage medium containing instructions.

74. 1. An electronic device comprising: A display and one or more input devices; one or more processors; a memory storing one or more programs configured to be executed by the one or more processors; wherein the one or more programs include displaying on the display a representation of a stored-value account including an activatable add-value option, the electronic device having an electronic wallet application including the stored-value account and a payment account; detecting activation of the add-value option via the one or more input devices while displaying the representation of the stored-value account; detecting, via the one or more input devices, activation of a fund-account option in the electronic wallet application for adding value to the stored value account using the payment account; receiving authentication information at the electronic device while displaying a proposed transaction to add assets from the payment account to the stored value account; in response to receiving the authentication information and in accordance with a determination that the authentication information matches registered authentication information for performing payment transactions using the payment account, adding value to the stored value account using the payment account. Electronic devices, including transactions for

75. 1. An electronic device comprising: A display and one or more input devices; means for displaying on the display a representation of a stored-value account including an activatable add-value option, the electronic device having an electronic wallet application including the stored-value account and a payment account; means for detecting activation of the add-value option via the one or more input devices while displaying the representation of the stored-value account; means for detecting, via the one or more input devices, activation of a fund-account option of the electronic wallet application for adding value to the stored value account using the payment account; means for receiving authentication information at the electronic device while displaying a proposed transaction for adding assets from the payment account to the stored value account; means for adding value to the stored value account using the payment account in response to receiving the authentication information and in accordance with a determination that the authentication information matches registered authentication information for performing payment transactions using the payment account; 1. An electronic device comprising:

76. 1. An electronic device having a display, one or more short range communication radios, and an electronic wallet application including a stored value account, displaying on said display an indication of available credit in said stored value account; transmitting authentication information for the stored value account to a contactless transaction terminal separate from the electronic device using the one or more short range communication radios; based on a transaction with the contactless transaction terminal executed using the authentication information for the stored value account transferred to the contactless transaction terminal using the one or more short-range communication radios, replacing the display of the indication of available credit with a display of an indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal; The method includes:

77. 77. The method of claim 76, wherein the stored value account is a stored value transit account.

78. Displaying on the display the indication of the available credit in the stored value account includes: displaying the indication of the available credit in the stored value account at a first location on the display; Replacing the display of the indication of the available credit with a display of the indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal comprises: displaying the indication of the available credits at a second location on the display, the second location being different from the first location; and displaying at the first location on the display an indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal; 78. The method of claim 76 or 77, comprising:

79. Replacing the display of the indication of the available credit with a display of the indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal comprises: sliding the indication of the available credits in a first direction on the display from a first position to a second position different from the first position; sliding the indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal in the first direction on the display; 79. The method of any one of claims 76 to 78, comprising simultaneously:

80. in response to transmitting the authentication information for the stored value account to the contactless transaction terminal, on the display: the indication of the available credit; and the indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal; an indication that the transfer of the stored value account authentication information to the contactless transaction terminal is complete; and 80. The method of any one of claims 76 to 79, comprising simultaneously displaying:

81. 81. The method of any one of claims 76 to 80, wherein determining that the transaction was performed using the authentication information of the stored value account comprises detecting that the available credit of the stored value account has changed.

82. 82. A method according to any one of claims 76 to 81, wherein replacing the display of the indication of the available credit with a display of the indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal is in response to detecting that the available credit in the stored value account has changed.

83. 83. The method of any one of claims 76 to 82, comprising updating the indication of available credit to reflect the transfer of authentication information.

84. 84. The method of any one of claims 76 to 83, comprising simultaneously displaying on the display a graphical representation of the stored value account along with the indication of the available credit and the indication of the transaction corresponding to the transfer of authentication information.

85. prior to transferring authentication information for the stored value account to the contactless transaction terminal using the one or more short range communications radios and prior to replacing the display of the indication of the available credit with a display of the indication of the transaction corresponding to the transfer of authentication information; presenting an indication requesting authorization to transfer authentication information for the stored value account to the contactless transaction terminal; Receiving authentication information; and 85. The method of any one of claims 76 to 84, comprising: transferring authentication information for the stored value account to the contactless transaction terminal following a determination that the authentication information matches registered authentication information that is valid for authorizing a transaction.

86. 86. The method of any one of claims 76 to 85, comprising displaying, on the display, a history of transactions following transfer of the stored value account authentication information to the contactless transaction terminal using the one or more short-range communications radios, the history of transactions including one or more representations of transit trips.

87. 87. The method of claim 86, wherein the displayed transaction history includes one or more representations of transit trips indicated as being covered by a transit plan.

88. 88. The method of claim 86 or 87, wherein the displayed transaction history includes one or more representations of ongoing transit trips, the one or more representations of ongoing transit trips including displayed status indications that the one or more transit trips are in progress.

89. An indication of an ongoing transit trip is at the top of the historical list of transactions, and the method further comprises: subsequent to displaying the history of transactions including the indication of an ongoing transit trip at the top of the list of the history of transactions, transferring, using the one or more short range communications radios, authentication information for the stored value account to a second contactless transaction terminal for a non-transit transaction; moving the display of the indication of the ongoing transit trip in the list of history of transactions and displaying an indication of the non-transit transaction in a position previously occupied by the indication of the ongoing transit trip; transferring, using the one or more short-range communication radios, authentication information for the stored-value account to a third contactless transaction terminal for the ongoing transit trip to terminate the trip; in response to transferring said stored value account authentication information to said third contactless transaction terminal for the ongoing transit trip; moving the display of the indication of the non-transit transaction to correspond to moving the display of the indication of the transit trip that was in progress to the top of the list of the history of transactions; 89. The method of claim 88, further comprising:

90. receiving a request to display a device status user interface; displaying the device status user interface in response to receiving the request to display the device status user interface, pursuant to determining that the device is using the stored-value account for an ongoing transit trip, displaying information in the device status user interface regarding the use of the transit account for the ongoing transit trip; displaying the device status user interface without displaying information regarding the transit account for a transit trip pursuant to a determination that the device is not using the stored-value account for an ongoing transit trip; and 90. The method of any one of claims 76 to 89, comprising:

91. during use of the stored-value account for an ongoing transit trip, in accordance with having transferred the authentication information for the stored-value account to the contactless transaction terminal, in accordance with the stored-value account being used for a transit system, and in accordance with the electronic device being in a locked state; 90. The method of any one of claims 76 to 89, comprising displaying an indication of the stored value account on a lock screen of the display.

92. detecting activation of the indication of the stored value account; in response to detecting activation of the indication of the stored value account, displaying a card details view for the stored value account including information regarding recent transactions in which the stored value account was used; 92. The method of any one of claims 89 to 91, comprising:

93. detecting activation of the indication of the stored value account; displaying a virtual boarding pass in response to detecting activation of the indication of the stored value account; and 92. The method of any one of claims 89 to 91, wherein the virtual boarding pass includes one or more details regarding the ongoing transit trip associated with the stored value account.

94. 94. A computer readable storage medium having stored thereon one or more programs configured to be executed by one or more processors of an electronic device having a display, one or more short range communications radios, and an electronic wallet application including a stored value account, the one or more programs including instructions for performing the method of any one of claims 76 to 93.

95. A display and one or more short-range communication radios; an electronic wallet application including a stored value account; one or more processors; a memory storing one or more programs configured to be executed by the one or more processors; 94. An electronic device comprising: said one or more programs comprising instructions for performing the method of any one of claims 76 to 93.

96. A display and one or more short-range communication radios; an electronic wallet application including a stored value account; Means for carrying out the method according to any one of claims 76 to 93; 1. An electronic device comprising:

97. 1. A non-transitory computer readable storage medium having stored thereon one or more programs configured to be executed by one or more processors of an electronic device having a display, one or more short range communication radios, and an electronic wallet application including a stored value account, the one or more programs comprising: displaying on said display an indication of available credit in said stored value account; transmitting authentication information for the stored value account to a contactless transaction terminal separate from the electronic device using the one or more short-range communication radios; based on a transaction with the contactless transaction terminal executed using the authentication information for the stored-value account transferred to the contactless transaction terminal using the one or more short-range communication radios, replacing the display of the indication of available credit with a display of an indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal. A non-transitory computer-readable storage medium containing instructions.

98. A display and one or more short-range communication radios; an electronic wallet application including a stored value account; one or more processors; a memory storing one or more programs configured to be executed by the one or more processors; wherein the one or more programs include displaying on said display an indication of available credit in said stored value account; transmitting authentication information for the stored value account to a contactless transaction terminal separate from the electronic device using the one or more short-range communication radios; based on a transaction with the contactless transaction terminal executed using the authentication information for the stored-value account transferred to the contactless transaction terminal using the one or more short-range communication radios, replacing the display of the indication of available credit with a display of an indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal. An electronic device that contains instructions.

99. A display and one or more short-range communication radios; an electronic wallet application including a stored value account; means for displaying on said display an indication of available credit in said stored value account; means for transmitting authentication information for the stored value account to a contactless transaction terminal separate from the electronic device using the one or more short range communication radios; means for replacing a display of the indication of available credit with a display of an indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal based on a transaction with the contactless transaction terminal executed using the authentication information for the stored value account transferred to the contactless transaction terminal using the one or more short range communication radios; 1. An electronic device comprising:

100. 1. An electronic device having one or more short range communications radios and an account information application including a first account, detecting a radio signal by the one or more short range communication radios; transmitting information corresponding to the first account without checking authentication in response to determining that the wireless signal corresponds to a first type of request; pursuant to determining that the wireless signal corresponds to a second type of request, checking authorization before proceeding with a transaction corresponding to the wireless signal; The method includes:

101. the first type of request being a pre-approved type of request that automatically makes available for transmission of account information without authentication; 101. The method of claim 100, wherein the second type of request is a type of request that has not been pre-approved to automatically make available for transmission of account information without authorization.

102. 102. The method of claim 100 or 101, wherein the first account is a stored value account.

103. 103. The method of any one of claims 100 to 102, wherein transmitting information corresponding to the first account without checking authentication comprises transmitting, by the one or more short-range communications radios, the information corresponding to the first account without requiring user input following detection of the wireless signal.

104. 104. The method of any one of claims 100 to 103, wherein the account information application includes a second account that is different from the first account.

105. To check the authentication, presenting an indication requesting authentication; Receiving authentication information; and proceeding with the transaction in accordance with a determination that the authentication information matches registered authentication information that is valid for authorizing the transaction; 105. The method of any one of claims 100 to 104, comprising:

106. Proceeding with said transaction:

106. The method of claim 105, comprising transmitting information corresponding to the first account.

107. Proceeding with said transaction:

106. The method of claim 105, comprising transmitting information corresponding to a second account, the second account being different from the first account.

108. in response to said determining that the wireless signal corresponds to the first type of request; 108. The method of any one of claims 100 to 107, further comprising refraining from presenting any indication that authentication is required.

109. The first account is one of a plurality of transit accounts stored by the account information application, and the account information application stores one or more additional accounts that are not transit accounts, and the method further comprises: prior to detecting said wireless signal by said one or more short range communications radios; receiving a user input selecting the first account as an account to be made available for use without checking authentication; designating the first account as available for use without checking authentication in response to receiving user input selecting the first account as an account to be made available for use without checking authentication; 109. The method of any one of claims 100 to 108, further comprising:

110. 110. The method of any one of claims 100 to 109, wherein the first account is an identity account.

111. 111. The method of any one of claims 100 to 110, wherein the electronic device is in a locked state prior to detecting the wireless signal and continues to remain in the locked state while transmitting information corresponding to the first account without checking authorization.

112. 112. The method of any one of claims 100 to 111, wherein the information corresponding to the first account includes an account number for the first account.

113. 113. The method of any one of claims 100 to 112, wherein the first account is a stored value account and the information corresponding to the first account includes assets from the first account.

114. 113. The method of any one of claims 100 to 112, wherein the first account is a payment account and the information corresponding to the first account includes payment account information for the first account.

115. 113. The method of any one of claims 100 to 112, wherein the first account is a transit commuter account and the information corresponding to the first account includes transit pass information for the first account.

116. The first account is a stored value account, and the information corresponding to the first account includes an account number of the first account, and the method further comprises: detecting, by the one or more short range communication radios, a second wireless signal including a request for an amount of the property; pursuant to determining that the second wireless signal corresponds to the first type of request, transmitting assets from the first account without checking authorization; and 112. The method of any one of claims 100 to 111, further comprising:

117. The information corresponding to the first account includes an account number of the first account, and the method further comprises: detecting, by the one or more short range communication radios, a second wireless signal including a request for an amount of the property; upon determining that the second wireless signal corresponds to the first type of request, pursuant to a determination that the requested amount of assets does not exceed a pre-approved transaction amount, transmitting assets from the first account without checking authorization; pursuant to a determination that the requested amount of assets exceeds the pre-approved transaction amount; generating feedback indicating that the requested amount of the asset does not correspond to the expected cost; checking authorization to proceed with the transaction; 112. The method of any one of claims 100 to 111, further comprising:

118. in response to said determining that the second wireless signal corresponds to the first type of request; pursuant to said determination that the requested amount of said assets exceeds said pre-approved transaction amount; receiving second authentication information; proceeding with the transaction in accordance with a determination that the second authentication information matches registered authentication information that is valid for authorizing the transaction; refraining from proceeding with the transaction in response to a determination that the second authentication information does not match registered authentication information that is valid for authorizing the transaction; 118. The method of claim 117, further comprising:

119. 119. The method of any one of claims 100 to 118, wherein the determination that the wireless signal corresponds to the first type of request is based on context information of the electronic device corresponding to a time when the wireless signal was detected by the electronic device.

120. 120. The method of any one of claims 100 to 119, wherein the determination that the wireless signal corresponds to the first type of request comprises a determination that a set of one or more context conditions are satisfied, a first of the one or more context conditions being satisfied when content of the wireless signal includes a predetermined value.

121. 121. The method of any one of claims 100 to 120, wherein the determination that the wireless signal corresponds to the first type of request comprises determining that a set of one or more context conditions are satisfied, a second context condition of the one or more context conditions being satisfied when a physical location of the electronic device corresponding to a time when the wireless signal is detected by the electronic device corresponds to a predetermined location.

122. 122. The method of any one of claims 100 to 121, wherein the determining that the wireless signal corresponds to the first type of request includes determining that a set of one or more context conditions are satisfied, a third context condition of the one or more context conditions being satisfied when the electronic device is within range of one or more wireless signals different from the wireless signal.

123. 123. The method of any one of claims 100 to 122, wherein the determination that the wireless signal corresponds to the first type of request includes a determination that a set of one or more context conditions are satisfied, and a fourth context condition of the one or more context conditions is satisfied when the wireless signal includes a request for an amount of an asset that does not exceed an asset threshold.

124. 124. The method of any one of claims 100 to 123, wherein the determination that the wireless signal corresponds to the first type of request comprises a determination that a set of one or more unlocking conditions are satisfied, a first unlocking condition of the set of one or more unlocking conditions being satisfied when the electronic device was unlocked within a previous period of time.

125. 125. The method of any one of claims 100 to 124, wherein the determination that the wireless signal corresponds to the first type of request includes determining that a set of one or more unlocking conditions are satisfied, and a second unlocking condition of the set of one or more unlocking conditions is satisfied when the electronic device is unlocked after a predetermined date and time on the day that the wireless signal is detected.

126. 126. The method of any one of claims 100 to 125, wherein the determination that the wireless signal corresponds to the first type of request includes determining that a set of one or more unlocking conditions are satisfied, and a third unlocking condition of the set of one or more unlocking conditions is satisfied when the electronic device is unlocked after a reboot.

127. A computer-readable storage medium having stored thereon one or more programs configured to be executed by one or more processors of an electronic device having one or more short-range communications radios and an account information application including a first account, the one or more programs including instructions for performing the method of any one of claims 100 to 126.

128. one or more short-range communication radios; an account information application including a first account; one or more processors; a memory storing one or more programs configured to be executed by the one or more processors; 127. An electronic device comprising: one or more programs comprising instructions for performing the method of any one of claims 100 to 126.

129. one or more short-range communication radios; an account information application including a first account; Means for carrying out the method of any one of claims 100 to 126; and 1. An electronic device comprising:

130. 1. A non-transitory computer readable storage medium having stored thereon one or more programs configured to be executed by one or more processors of an electronic device having one or more short range communications radios and an account information application including a first account, the one or more programs comprising: detecting a radio signal by the one or more short-range communication radios; pursuant to determining that the wireless signal corresponds to a first type of request, transmitting information corresponding to the first account without checking authentication; pursuant to determining that the wireless signal corresponds to a second type of request, checking authorization before proceeding with the transaction corresponding to the wireless signal. A non-transitory computer-readable storage medium containing instructions.

131. one or more short-range communication radios; an account information application including a first account; one or more processors; a memory storing one or more programs configured to be executed by one or more processors; wherein the one or more programs include detecting a radio signal by the one or more short-range communication radios; pursuant to determining that the wireless signal corresponds to a first type of request, transmitting information corresponding to the first account without checking authentication; pursuant to determining that the wireless signal corresponds to a second type of request, checking authorization before proceeding with the transaction corresponding to the wireless signal. An electronic device that contains instructions.

132. one or more short-range communication radios; an account information application including a first account; means for detecting radio signals by said one or more short range communication radios; means for transmitting information corresponding to the first account without checking authentication in response to a determination that the wireless signal corresponds to a first type of request; means for checking authorization prior to proceeding with a transaction corresponding to the wireless signal in response to a determination that the wireless signal corresponds to a second type of request; 1. An electronic device comprising:

133. In an electronic device having a display and one or more input devices, displaying on the display a representation of a plurality of devices associated with a user account, the representation of the plurality of devices including a first representation of a first device and a second representation of a second device, the first device being associated with a trading account and the second device not being associated with the trading account; receiving, via the one or more input devices, a selection corresponding to the displayed representation of the second device; responsive to receiving the selection corresponding to the displayed representation of the second device; Associating the trading account with the second device; Associating and unlocking the trading account from the first device; The method includes:

134. 134. The method of claim 133, wherein the first device is the electronic device that has caused the trading account to be associated with the second device and unlocked from the first device.

135. 134. The method of claim 133, wherein the second device is the electronic device that has had the trading account associated with the second device and unlocked from the first device.

136. 136. A method according to any one of claims 133 to 135, wherein the transaction account is a payment account.

137. 136. The method of any one of claims 133 to 135, wherein the trading account is a transit account.

138. 138. The method of any one of claims 133 to 137, wherein the transaction account is a stored value account.

139. the trading account is a stored value account; prior to displaying the representations of the plurality of devices, simultaneously displaying a representation of the account along with an activatable add-value option and an activatable transfer-to-account option; receiving activation of the transfer-to-account option; Further comprising:

139. The method of any one of claims 133 to 138, wherein displaying the representation of the plurality of devices associated with the user account is in response to receiving activation of the transfer-to-account option.

140. 140. The method of any one of claims 133 to 139, further comprising receiving user input designating the transaction account as an account to be made available for use on two or more of the plurality of devices.

141. the electronic device is the second device, receiving user input designating a third device of the plurality of devices as a device to be made available for use by the trading account; subsequent to associating the trading account with the second device and subsequent to associating and unlocking the trading account from the first device; receiving a request for payment authentication information for the transaction account from a third device different from the electronic device; transmitting payment authentication information for the transaction account from the second device to the third device in accordance with a determination that the third device is designated as a device that the transaction account will make available for use; 141. The method of any one of claims 133 to 140, further comprising:

142. Pursuant to a determination that the time condition is satisfied, Associating and unlocking the trading account from the second device; Associating the trading account with the first device; 142. The method of any one of claims 133 to 141, further comprising:

143. 143. The method of any one of claims 133 to 142, wherein associating the trading account with the second device includes limiting the trading account to a maximum payout amount at the second device.

144. 144. The method of any one of claims 133 to 143, wherein associating the trading account with the second device includes restricting the trading account at the second device to require pre-approval for each proposed payment to be made at the second device from the first device.

145. 145. The method of any one of claims 133 to 144, wherein the representations of the plurality of devices associated with the user account include representations of devices logged into a service under the same user account as the electronic device.

146. 146. The method of any one of claims 133 to 145, wherein the representations of the plurality of devices associated with the user account include representations of devices logged into a service using respective user accounts associated with the user account through which the electronic device is logged into the service.

147. subsequent to associating the trading account with the second device and subsequent to associating and unlocking the trading account from the first device; displaying, on the display, a representation of the plurality of devices, the first device being not associated with the trading account and the second device being associated with the trading account; and receiving, via the one or more input devices, respective selections corresponding to the first device; In response to receiving the respective selection corresponding to the first device, Associating and unlocking the trading account from the second device; Associating the trading account with the first device; 147. The method of any one of claims 133 to 146, further comprising:

148. A computer-readable storage medium storing one or more programs configured to be executed by one or more processors of an electronic device having a display and one or more input devices, the one or more programs including instructions for performing the method of any one of claims 133 to 147.

149. A display and one or more input devices; one or more processors; a memory storing one or more programs configured to be executed by the one or more processors; 148. An electronic device comprising: one or more programs comprising instructions for performing the method of any one of claims 133 to 147.

150. A display and one or more input devices; Means for carrying out the method of any one of claims 133 to 147; and 1. An electronic device comprising:

151. A non-transitory computer-readable storage medium having stored thereon one or more programs configured to be executed by one or more processors of an electronic device having a display and one or more input devices, the one or more programs comprising: displaying on the display a representation of a plurality of devices associated with a user account, the representation of the plurality of devices including a first representation of a first device and a second representation of a second device, the first device being associated with a trading account and the second device not being associated with the trading account; receiving, via the one or more input devices, a selection corresponding to the displayed representation of the second device; responsive to receiving the selection corresponding to the displayed representation of the second device; Associating the trading account with the second device; causing the trading account to be associated and unlocked from the first device; A non-transitory computer-readable storage medium containing instructions.

152. A display and one or more input devices; one or more processors; a memory storing one or more programs configured to be executed by the one or more processors; wherein the one or more programs include displaying on the display a representation of a plurality of devices associated with a user account, the representation of the plurality of devices including a first representation of a first device and a second representation of a second device, the first device being associated with a trading account and the second device not being associated with the trading account; receiving, via the one or more input devices, a selection corresponding to the displayed representation of the second device; responsive to receiving the selection corresponding to the displayed representation of the second device; Associating the trading account with the second device; causing the trading account to be associated and unlocked from the first device; An electronic device that contains instructions.

153. A display and one or more input devices; means for displaying on the display a representation of a plurality of devices associated with a user account, the representation of the plurality of devices including a first representation of a first device and a second representation of a second device, the first device being associated with a trading account and the second device not being associated with the trading account; means for receiving, via the one or more input devices, a selection corresponding to the displayed representation of the second device; responsive to receiving the selection corresponding to the displayed representation of the second device; Associating the trading account with the second device; means for associating and unlocking the trading account from the first device; 1. An electronic device comprising:

154. In an electronic device having an electronic wallet application, Detecting that a set of one or more payment criteria for making a payment using the stored value account has been met; in response to detecting that the set of one or more payment criteria for making the payment using the stored value account have been satisfied and in accordance with a determination that payment credentials for the stored value account are not available in the electronic wallet application of the electronic device, requesting payment credentials for the stored value account from a second device, different from the electronic device; subsequent to requesting the payment authentication information for the stored value account from the second device, receiving payment authentication information for the stored value account at the electronic device from the second device when the payment authentication information for the stored value account is available at the second device; The method includes:

155. 155. The method of claim 154, wherein the payment authentication information for the stored value account is received at the electronic device from the second device using device-to-device communications over a short-range wireless network.

156. 156. A method according to claim 154 or 155, wherein a first payment criterion of the set of one or more payment criteria is satisfied when the electronic device receives a request for payment.

157. 157. The method of any one of claims 154 to 156, wherein the electronic device includes one or more short-range communication radios, and a second payment criterion of the set of one or more payment criteria is met when the electronic device detects a field using the one or more short-range communication radios.

158. 158. The method of any one of claims 154 to 157, wherein a third payment criterion of the set of one or more payment criteria is satisfied when the electronic device detects a context indicating that payment will be required.

159. 159. The method of any one of claims 154 to 158, wherein a fourth payment criterion of the set of one or more payment criteria is satisfied when the electronic device detects activation of an option corresponding to the stored value account.

160. 160. The method of any one of claims 154 to 159, wherein a fifth payment criterion of the set of one or more payment criteria is satisfied when the electronic device determines that the stored value account has been designated to be made available at the electronic device.

161. 161. The method of any one of claims 154 to 160, wherein the stored value account is a first type account and a sixth payment criterion of the set of one or more payment criteria is satisfied when the electronic device receives a request for payment using the first type account.

162. 162. The method of any one of claims 154 to 161, wherein requesting payment authentication information for the stored value account from the second device includes sending a request to the second device, the request identifying the stored value account.

163. 163. A method according to any one of claims 154 to 162, further comprising in response to detecting that the set of one or more payment criteria for making the payment using the stored value account have been met and in accordance with a determination that payment credentials for the stored value account are available in the electronic wallet application of the electronic device, proceeding with the payment using the stored value account.

164. in response to detecting that the set of one or more payment criteria for making the payment using the stored value account have been met, in response to determining that payment credentials for the stored value account are not available in the electronic wallet application of the electronic device, and in response to not receiving payment credentials for the stored value account. forgoing the use of said stored value account to facilitate said payment; presenting a notice to the user indicating that the stored value account is not available for use in making the payment; 164. The method of any one of claims 154 to 163, further comprising:

165. following receiving at the electronic device payment authentication information for the stored value account from the second device; transferring assets from said stored value account to a trading terminal to make said payment; transmitting payment authentication information for the stored value account from the electronic device to the second device in response to transferring assets from the stored value account to the trading terminal; 165. The method of any one of claims 154 to 164, comprising:

166. following receiving at the electronic device payment authentication information for the stored value account from the second device; transferring assets from said stored value account to a trading terminal to make said payment; in response to transferring assets from the stored value account to the trading terminal, forgoing transmission of payment authentication information for the stored value account from the electronic device to the second device; 165. The method of any one of claims 154 to 164, comprising:

167. following receiving at the electronic device payment authentication information for the stored value account from the second device; receiving a request for payment credentials for the stored value account from the second device; in response to receiving the request for payment credentials for the stored value account, transmitting payment credentials for the stored value account from the electronic device to the second device; 165. The method of any one of claims 154 to 164, comprising:

168. following receiving at the electronic device payment authentication information for the stored value account from the second device; determining whether a predetermined schedule event condition is satisfied; transmitting payment authentication information for the stored value account from the electronic device to the second device in response to determining that the predetermined schedule event condition is satisfied; 165. The method of any one of claims 154 to 164, comprising:

169. 169. The method of any one of claims 154 to 168, wherein the electronic device uses a first communications protocol to receive payment authentication information for the stored value account from the second device, and the electronic device uses a second communications protocol, different from the first communications protocol, to make the payment to a transaction terminal.

170. 170. The method of any one of claims 154 to 169, wherein the electronic device includes one or more radio units, the electronic device uses a first set of the one or more radios of the electronic device to receive payment authentication information for the stored value account from the second device, and the electronic device uses a second set of the one or more radios, different from the first set of the one or more radios, to make the payment to a transaction terminal.

171. following receiving at the electronic device payment authentication information for the stored value account from the second device; presenting an indication requesting authorization to make a payment using payment credentials of the stored value account; Receiving authentication information; and pursuant to a determination that the authentication information matches registered authentication information that is valid for authorizing the transaction, transferring assets from the stored value account to a trading terminal to make the payment; 171. The method of any one of claims 154 to 170, comprising:

172. 172. A computer readable storage medium having stored thereon one or more programs configured to be executed by one or more processors of an electronic device having an electronic wallet application, the one or more programs including instructions for performing the method of any one of claims 154 to 171.

173. An electronic wallet application; one or more processors; a memory storing one or more programs configured to be executed by the one or more processors; 172. An electronic device comprising: one or more programs comprising instructions for performing the method of any one of claims 154 to 171.

174. An electronic wallet application; Means for carrying out the method of any one of claims 154 to 171; and 1. An electronic device comprising:

175. 1. A non-transitory computer-readable storage medium having stored thereon one or more programs configured to be executed by one or more processors of an electronic device having an electronic wallet application, the one or more programs comprising: Detecting that a set of one or more payment criteria for making a payment using the stored value account has been met; in response to detecting that the set of one or more payment criteria for making the payment using the stored value account have been satisfied and in accordance with a determination that payment credentials for the stored value account are not available in the electronic wallet application of the electronic device, requesting payment credentials for the stored value account from a second device, different from the electronic device; receiving, at the electronic device, payment authentication information for the stored value account from the second device when the payment authentication information for the stored value account is available at the second device subsequent to requesting the payment authentication information for the stored value account from the second device; A non-transitory computer-readable storage medium containing instructions.

176. An electronic wallet application; one or more processors; a memory storing one or more programs configured to be executed by the one or more processors; wherein the one or more programs include Detecting that a set of one or more payment criteria for making a payment using the stored value account has been met; in response to detecting that the set of one or more payment criteria for making the payment using the stored value account have been satisfied and in accordance with a determination that payment credentials for the stored value account are not available in the electronic wallet application of the electronic device, requesting payment credentials for the stored value account from a second device, different from the electronic device; receiving, at the electronic device, payment authentication information for the stored value account from the second device when the payment authentication information for the stored value account is available at the second device subsequent to requesting the payment authentication information for the stored value account from the second device; An electronic device that contains instructions.

177. An electronic wallet application; means for detecting when a set of one or more payment criteria for making a payment using the stored value account has been met; means for requesting payment credentials for the stored value account from a second device, different from the electronic device, in response to detecting that the set of one or more payment criteria for making the payment using the stored value account have been satisfied and in accordance with a determination that payment credentials for the stored value account are not available in the electronic wallet application of the electronic device; means for receiving, at the electronic device, payment authentication information for the stored value account from the second device when the payment authentication information for the stored value account is available at the second device subsequent to the requesting the payment authentication information for the stored value account from the second device; 1. An electronic device comprising:

178. one or more input device units; one or more short-range communication radio units; a processing unit coupled to the one or more input device units and the one or more short-range communication radio units; The processing unit comprises: receiving, by the one or more short-range communications radio units, a card account number of a card having a stored value; requesting verification information to verify ownership of the card; receiving input from a user of the electronic device via the one or more input device units, the input including verification information for verifying ownership of the card; verifying ownership of the card by comparing the verification information with separate information about the card received separately from the verification information; Pursuant to a determination that the ownership verification is successful, generating a prompt to perform a value transfer operation for the transfer of value; transferring at least some of the stored value from the card to a virtual card stored on the electronic device in conjunction with the value transfer operation; 1. An electronic device configured to:

179. 179. The electronic device of claim 178, wherein the verification information is information that is not shown on the card.

180. 180. The electronic device of claim 178 or 179, wherein the card is a stored value card.

181. The processing unit includes: pursuant to a determination that the transfer of value was not successful, 181. The electronic device of any one of claims 178 to 180, further configured to generate a second prompt for performing a transfer value operation for the transfer of the value.

182. The processing unit includes: Pursuant to a determination that the verification of ownership was not successful, 182. The electronic device of any one of claims 178 to 181, further configured to generate feedback indicating that verification of ownership was unsuccessful.

183. pursuant to a determination that the card is registered, requesting verification information to verify ownership of the card includes requesting information not shown on the card; pursuant to a determination that the card is not registered, 183. The electronic device of any one of claims 178 to 182, wherein requesting verification information to verify ownership of the card comprises requesting information indicated on the card.

184. The processing unit includes: pursuant to a determination that the card is not registered and prior to verifying ownership of the card, as part of requesting verification information to verify ownership of the card, requesting an account number provided by a user of the card; receiving an account number provided by the user of the card as part of receiving input from the user of the electronic device including verification information for verifying ownership of the card; comparing an account number provided by the user to the card account number as part of verifying ownership of the card by comparing the verification information to separate information; 184. The electronic device of any one of claims 178 to 183, further configured such that the separate information includes the received card account number of the card.

185. 185. The electronic device of any one of claims 178 to 184, wherein the electronic device does not present the card account number of the card before receiving input from the user of the electronic device via the one or more input device units including verification information for verifying ownership of the card.

186. The processing unit includes: pursuant to a determination that the card is registered, Transmitting the card account number for the card; receiving said separate information; 186. The electronic device of any one of claims 178 to 185, further configured as follows:

187. The processing unit includes:

187. The electronic device of any one of claims 178 to 186, further configured to forgo receiving an account number provided by a user of the card.

188. The electronic device includes a display unit, and the processing unit includes: Following transferring at least some of the stored value from the card to the virtual card stored on the electronic device, 188. The electronic device of any one of claims 178 to 187, further configured to enable display of transit plan information of the virtual card on the display unit, the transit plan information being based on at least some of the transferred stored value.

189. The electronic device includes a display unit, and the processing unit includes: Following transferring at least some of the stored value from the card to the virtual card stored on the electronic device, 189. The electronic device of any one of claims 178 to 188, further configured to enable display on the display unit of one or more of the balance of the virtual card, the username of an account registered to the virtual card, and transit plan information of the virtual card.

190. Transferring at least some of the stored value from the card to the virtual card stored on the electronic device includes: removing the stored value from the card; and sending a request to a server to deactivate the card; 190. The electronic device of any one of claims 178 to 189, comprising:

191. The processing unit includes: pursuant to a determination that the electronic device does not have another linked transit account, designating the virtual card account as available for use without checking authorization; pursuant to a determination that the electronic device has one or more other linked transit accounts, refraining from designating the accounts of the virtual card as available for use without checking authorization.

191. The electronic device of any one of claims 178 to 190, further configured as follows:

192. The processing unit includes: In response to a determination that the electronic device does not have another linked transit account, 192. The electronic device of any one of claims 178 to 191, further configured to refrain from designating the account of the virtual card as available for use without checking authentication pursuant to receiving user input indicating a desire not to make the account available for use without checking authentication.

193. The processing unit includes: receiving user input indicating a desire not to make the account available for use without checking authentication; designating the virtual card account as not available for use without checking authentication in response to receiving the user input indicating the desire to not make the account available for use without checking authentication.

193. The electronic device of any one of claims 178 to 192, further configured as follows:

194. The processing unit includes: receiving user input selecting an account to be made available for use without checking authentication; in response to receiving the user input selecting the account to be made available for use without checking authentication, designating the selected account to be made available for use without checking authentication; 194. The electronic device of any one of claims 178 to 193, further configured as follows:

195. 195. The electronic device of any one of claims 178 to 194, wherein the virtual card is stored on the device prior to receiving the card account number for the card and prior to verifying ownership of the card.

196. The electronic device includes a display unit, and the processing unit includes: Following transferring at least some of the stored value from the card to the virtual card stored on the electronic device, 196. The electronic device of any one of claims 178 to 195, further configured to enable display of a stored value of the virtual card on the display unit.

197. A display unit; one or more input device units; one or more short-range communication radio units; a processing unit coupled to the display unit, the one or more short-range communication radio units, and the one or more input device units; The processing unit comprises: A stored value card, the stored value card requiring verification information to verify ownership of the stored value card having a stored value; receiving, via the one or more input device units, an input from a user of the electronic device including verification information for verifying ownership of the card, the verification information including information not shown on the card; enabling display of a prompt on the display unit of the electronic device to place the electronic device within communication range of the stored value card; receiving, by said one or more short-range communications radio units, identification information from said stored value card; verifying ownership of the stored value card by comparing the verification information to the identification information; Pursuant to a determination that the ownership verification is successful, transferring at least some of the stored value from the stored value card to a virtual card stored on the electronic device; 1. An electronic device configured to:

198. The processing unit includes: Pursuant to a determination that the verification of ownership was not successful, generating feedback indicating that the ownership validation was not successful; requesting verification information to verify ownership of the stored value card; 200. The electronic device of claim 197, further configured as follows:

199. Transferring at least some of the stored value from the stored value card to the virtual card stored on the electronic device comprises: removing the stored value from the stored value card; sending a request to a server to deactivate the stored value card; 200. The electronic device of claim 197 or 198, comprising:

200. 200. The electronic device of any one of claims 197 to 199, wherein the stored value card is a stored value transit card.

201. 201. The electronic device of any one of claims 197 to 200, wherein the virtual card is a transit virtual card.

202. 202. The electronic device of any one of claims 197 to 201, wherein the virtual card is a stored-value virtual card.

203. 203. The electronic device of any one of claims 197 to 202, wherein the verification information is a card account number of the stored value card.

204. 204. The electronic device of any one of claims 197 to 203, wherein the electronic device does not present the card account number of the stored value card before receiving input from the user of the electronic device via the one or more input device units that includes verification information for verifying ownership of the card.

205. The processing unit includes: following transferring at least some of the stored value from the stored value card to the virtual card stored on the electronic device; 205. The electronic device of any one of claims 197 to 204, further configured to enable display of a stored value of the virtual card on the display unit.

206. The processing unit includes: following transferring at least some of said stored value from said stored value card to a virtual card stored on said electronic device; 206. The electronic device of any one of claims 197 to 205, further configured to enable display of transit plan information on the virtual card, the transit plan information being based on at least some of the transferred stored value.

207. The processing unit includes: following transferring at least some of said stored value from said stored value card to a virtual card stored on said electronic device; 207. The electronic device of any one of claims 197 to 206, further configured to enable display of one or more of the balance of the virtual card, the username of an account registered to the virtual card, and transit plan information of the virtual card.

208. 208. The electronic device of any one of claims 197 to 207, wherein the verification information is personal to a registered user of the stored value card.

209. The processing unit includes: pursuant to a determination that the electronic device does not have another linked transit account, designating the virtual card account as available for use without checking authorization; pursuant to a determination that the electronic device has one or more other linked transit accounts, refraining from designating the accounts of the virtual card as available for use without checking authorization.

209. The electronic device of any one of claims 197 to 208, further configured as follows:

210. The processing unit includes: In response to a determination that the electronic device does not have another linked transit account, 210. The electronic device of any one of claims 197 to 209, further configured to refrain from designating the account of the virtual card as available for use without checking authentication in accordance with receiving user input indicating a desire not to make the account available for use without checking authentication.

211. The processing unit includes: receiving user input indicating a desire not to make the account available for use without checking authentication; designating the virtual card account as not available for use without checking authentication in response to receiving the user input indicating the desire to not make the account available for use without checking authentication.

211. The electronic device of any one of claims 197 to 210, further configured as follows:

212. The processing unit includes: receiving user input selecting an account to be made available for use without checking authentication; in response to receiving the user input selecting the account to be made available for use without checking authentication, designating the selected account to be made available for use without checking authentication; 212. The electronic device of any one of claims 197 to 211, further configured as follows:

213. 213. The electronic device of any one of claims 197 to 212, wherein the virtual card is stored on the electronic device prior to receiving the card account number for the card and prior to verifying ownership of the card.

214. A display unit; one or more input device units; a processing unit coupled to the display unit and the one or more input device units; The processing unit comprises: enabling display of a representation of a stored-value account on the display unit, the stored-value account including an activatable add-value option, the electronic device having an electronic wallet application including the stored-value account and a payment account; detecting activation of the add-value option via the one or more input device units while enabling display of the representation of the stored-value account; detecting, via the one or more input device units, activation of a fund-account option of the electronic wallet application for adding value to the stored value account using the payment account; receiving authentication information at the electronic device while validating a display of a proposed transaction to add assets from the payment account to the stored value account; in response to receiving the authentication information and in accordance with a determination that the authentication information matches registered authentication information for performing payment transactions using the payment account, adding value to the stored value account using the payment account.

1. An electronic device configured to:

215. The processing unit includes:

215. The electronic device of claim 214, further configured to refrain from adding value to the stored value account using the payment account in response to receiving the authentication information and in accordance with a determination that the authentication information does not match registered authentication information for conducting payment transactions using the payment account.

216. The processing unit includes:

216. The electronic device of claim 214 or 215, further configured to generate a prompt generating authorization to add value from the payment account to the stored value account prior to receiving the authentication information.

217. 217. The electronic device of any one of claims 214 to 216, wherein the representation of a stored-value account includes a current balance of the stored-value account.

218. The processing unit includes:

218. The electronic device of claim 217, further configured to update the display of the current balance of the stored-value account to reflect the value added to the stored-value account following the addition of value to the stored-value account using the payment account.

219. The processing unit includes:

219. The electronic device of any one of claims 214 to 218, further configured to enable display on the display unit of a representation of a second payment account that does not include an activatable add-value option.

220. The processing unit includes: a user interface on the display unit for user input to add value to the stored-value account using the payment account, the user interface for user input to add value comprising: A virtual numeric keypad; One or more proposed amounts; the current balance of the stored value account; and simultaneously enabling the display of a user interface for user input, receiving an input at said virtual numeric keypad of an amount to add value to said stored value account using said payment account; responsive to receiving the input on the virtual numeric keypad, updating a display of the one or more offer amounts based on the received input on the virtual numeric keypad.

220. The electronic device of any one of claims 214 to 219, further configured to:

221. the received input on the virtual numeric keypad corresponds to an amount that exceeds a maximum allowable amount for adding value to the stored value account using the payment account; 221. The electronic device of claim 220, wherein updating the display of the one or more offered amounts based on the received input on the virtual numeric keypad includes updating a display of one of the one or more offered amounts to reflect the maximum allowable amount.

222. 222. The electronic device of claim 220 or 221, wherein at least one of the one or more proposed amounts is based on a previous amount used to add value to the stored value account using the payment account.

223. 223. The electronic device of any one of claims 220 to 222, wherein at least one of the one or more offer amounts is based on the current day of the month.

224. the user interface for user input for adding value to the stored value account using the payment account further simultaneously includes a graphical depiction of a card corresponding to the stored value account; the received input on the virtual numeric keypad corresponds to an amount that exceeds a maximum allowable amount for adding value to the stored value account using the payment account; The processing unit includes:

224. The electronic device of any one of claims 220 to 223, further configured to animate the graphical representation of the card corresponding to the stored value account to vibrate for a period of time in response to receiving the input at the virtual numeric keypad.

225. The processing unit includes: receiving a user input of a selected amount to add value to said stored value account; responsive to receiving user input of the selected amount, enabling display, on the display unit, of a user interface requesting authentication.

225. The electronic device of any one of claims 214 to 224, further configured as follows:

226. 226. The electronic device of any one of claims 214 to 225, wherein the stored value account is a transit account.

227. 227. The electronic device of any one of claims 214 to 226, wherein the stored value account is a gift card account.

228. 228. The electronic device of any one of claims 214 to 227, wherein adding value to the stored value account using the payment account is part of a recurring transaction for adding value to the stored value account using the payment account.

229. The processing unit includes: Detecting when a current balance in said stored value account falls below a minimum balance notification level; in response to detecting that the current balance of the stored-value account is below the minimum balance notification level, generating a notification that the current balance of the stored-value account is below the minimum balance notification level.

229. The electronic device of any one of claims 214 to 228, further configured as follows:

230. The processing unit includes: receiving a user input activating the notification; in response to receiving the user input activating the notification, enabling, on the display unit, display of the user interface for user input to add value to the stored-value account using the payment account.

230. The electronic device of claim 229, further configured as follows:

231. The stored value account is a transit account; The representation of the stored value account may include: an indication of a transit plan associated with the transit account; and an indication of the effective date of the transit plan; and 230. The electronic device of claim 214, further comprising:

232. The stored value account is a transit account, and the processing unit and further configured to enable display of a user interface on the display unit for funding the transit account using the payment account, the user interface for funding the transit account comprising: One or more proposed amounts; The start and end dates of the recommended transit plan; 232. The electronic device of any one of claims 214 to 226 and 228 to 231, comprising simultaneously:

233. The stored value account is a transit account, and the processing unit 232. The electronic device of any one of claims 214-226 and 228-232, further configured to generate a notification indicating that the transit plan for the stored value account is due for renewal in accordance with a determination that the transit plan for the stored value account is due for renewal.

234. The stored value account is a transit account, and the processing unit Detects proximity to transit stations, determining a likely destination based on one or more contextual factors; generating a notification that the stored-value account does not have sufficient assets to travel from the transit station to the anticipated destination in accordance with a determination that the stored-value account does not have sufficient assets to travel from the transit station to the anticipated destination. It is further structured as follows: The electronic device of any one of claims 214 to 226 and 228 to 233, wherein enabling the display of the representation of the stored-value account including the activatable add-value option is in response to detecting activation of the notification that the stored-value account does not have sufficient assets.

235. A display unit; one or more short-range communication radio units; an electronic wallet application unit including a stored value account; a processing unit coupled to the display unit, the one or more short range communication radio units, and the electronic wallet application unit including a stored value account; The processing unit comprises: enabling display on said display unit an indication of available credit in said stored value account; transmitting authentication information for the stored value account to a contactless transaction terminal separate from the electronic device using the one or more short-range communications radio units; based on a transaction with the contactless transaction terminal executed using the authentication information for the stored-value account transferred to the contactless transaction terminal using the one or more short-range communications radio units, replacing the display of the indication of available credit with a display of an indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal.

1. An electronic device configured to:

236. 236. The electronic device of claim 235, wherein the stored value account is a stored value transit account.

237. Enabling display of the indication of the available credit of the stored value account on the display unit includes: enabling display of the indication of the available credit of the stored value account at a first location on the display unit; Replacing the display of the indication of the available credit with a display of the indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal comprises: enabling display of the indication of the available credits at a second location on the display unit, the second location being different from the first location; and enabling display, at the first location on the display unit, of the indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal; 237. The electronic device of claim 235 or 236, comprising:

238. Replacing the display of the indication of the available credit with a display of the indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal comprises: sliding the indication of the available credits in a first direction on the display unit from a first position to a second position different from the first position; sliding the indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal in the first direction on the display unit; 238. The electronic device of any one of claims 235 to 237, comprising simultaneously:

239. The processing unit includes: on the display unit in response to transmitting the authentication information for the stored value account to the contactless transaction terminal; the indication of the available credit; and the indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal; an indication that the transfer of the stored value account authentication information to the contactless transaction terminal is complete; and 239. The electronic device of any one of claims 235 to 238, further configured to simultaneously enable display of.

240. 240. The electronic device of any one of claims 235 to 239, wherein determining that the transaction was performed using the authentication information for the stored value account includes detecting that the available credit in the stored value account has changed.

241. The electronic device of any one of claims 235 to 240, wherein replacing the display of the indication of the available credit with a display of the indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal is in response to detecting that the available credit in the stored value account has changed.

242. The processing unit includes:

242. The electronic device of any one of claims 235 to 241, further configured to update the indication of available credits to reflect the transfer of authentication information.

243. The processing unit includes:

243. The electronic device of any one of claims 235 to 242, further configured to simultaneously enable display on the display unit of a graphical representation of the stored value account along with the indication of the available credit and the indication of the transaction corresponding to the transfer of authentication information.

244. The processing unit includes: prior to transferring authentication information for the stored-value account to the contactless transaction terminal using the one or more short-range communications radio units and prior to replacing the display of the indication of the available credit with a display of the indication of the transaction corresponding to the transfer of authentication information; presenting an indication requesting authorization to transfer authentication information for the stored value account to the contactless transaction terminal; Receive authentication information, It is further structured as follows:

244. The electronic device of any one of claims 235 to 243, wherein transferring authentication information for the stored value account to the contactless transaction terminal is pursuant to a determination that the authentication information matches registered authentication information that is valid for authorizing a transaction.

245. The processing unit includes:

245. The electronic device of any one of claims 235 to 244, further configured to enable display of a history of transactions on the display unit following transfer of authentication information for the stored value account to the contactless transaction terminal using the one or more short-range communications radio units, the history of transactions including one or more representations of transit trips.

246. 246. The electronic device of claim 245, wherein the displayed transaction history includes one or more representations of transit trips indicated as covered by a transit plan.

247. The electronic device of claim 245 or 246, wherein the displayed transaction history includes one or more representations of ongoing transit trips, the one or more representations of ongoing transit trips including a displayed status indication that the one or more transit trips are in progress.

248. An indication of an ongoing transit trip is at the top of the list of the history of transactions, and the processing unit subsequent to enabling display of the history of transactions including the indication of an ongoing transit trip at the top of the list of transactions, using the one or more short range communications radio units to transfer authentication information for the stored value account to a second contactless transaction terminal for a non-transit transaction; moving the display of the indication of the ongoing transit trip in the list of history of transactions and enabling the display of the indication of the non-transit transaction in the position previously occupied by the indication of the ongoing transit trip; using said one or more short-range communications radio units to transfer said stored-value account authentication information to a third contactless transaction terminal for the ongoing transit trip to terminate said trip; in response to transferring said stored value account authentication information to said third contactless transaction terminal for the ongoing transit trip; moving the display of the indication of the non-transit transaction to correspond to moving the display of the indication of the transit trip that was in progress to the top of the list of the history of transactions.

248. The electronic device of claim 247, further configured as follows.

249. The processing unit includes: receiving a request to display a device status user interface; enabling display of the device status user interface in response to receiving the request to display the device status user interface. and wherein enabling display of the device status user interface further comprises: pursuant to determining that the device is using the stored-value account for an ongoing transit trip, enabling a display in the device status user interface of information regarding the use of the transit account for the ongoing transit trip; pursuant to a determination that the device is not using the stored-value account for an ongoing transit trip, enabling display of the device status user interface without displaying information regarding the transit account for the transit trip; 249. The electronic device of any one of claims 235 to 248, comprising:

250. The processing unit includes: during use of the stored-value account for an ongoing transit trip, in accordance with having transferred the authentication information for the stored-value account to the contactless transaction terminal, in accordance with the stored-value account being used for a transit system, and in accordance with the electronic device being in a locked state; 249. The electronic device of any one of claims 235 to 248, further configured to enable display of an indication of the stored value account on a lock screen of the display unit.

251. The processing unit includes: Detecting activation of the indication of the stored value account; responsive to detecting activation of the indication of the stored value account, enabling display of a card details view for the stored value account including information regarding recent transactions in which the stored value account was used.

251. The electronic device of any one of claims 248 to 250, further configured as follows:

252. The processing unit includes: Detecting activation of the indication of the stored value account; responsive to detecting activation of the indication of the stored value account, enabling a display of a virtual boarding pass.

251. The electronic device of any one of claims 248 to 250, further configured such that the virtual boarding pass includes one or more details regarding the ongoing transit trip associated with the stored value account.

253. one or more short-range communication radio units; an account information application unit including a first account; a processing unit coupled to the one or more short range communication units and to the account information application unit including a first account; The processing unit comprises: detecting a radio signal by the one or more short-range communication radio units; pursuant to determining that the wireless signal corresponds to a first type of request, transmitting information corresponding to the first account without checking authentication; pursuant to determining that the wireless signal corresponds to a second type of request, checking authorization before proceeding with the transaction corresponding to the wireless signal.

1. An electronic device configured to:

254. the first type of request being a pre-approved type of request that automatically makes available for transmission of account information without authentication; 254. The electronic device of claim 253, wherein the second type of request is a type of request that has not been pre-approved to automatically make available for transmission of account information without authentication.

255. 255. The electronic device of claim 253 or 254, wherein the first account is a stored value account.

256. The electronic device of any one of claims 253 to 255, wherein transmitting information corresponding to the first account without checking authentication includes transmitting the information corresponding to the first account without requiring user input following detection of the wireless signal by the one or more short-range communications radio units.

257. 257. The electronic device of any one of claims 253 to 256, wherein the account information application unit includes a second account different from the first account.

258. To check the authentication, presenting an indication requesting authentication; Receiving authentication information; and proceeding with the transaction in accordance with a determination that the authentication information matches registered authentication information that is valid for authorizing the transaction; 258. The electronic device of any one of claims 253 to 257, comprising:

259. Proceeding with said transaction:

259. The electronic device of claim 258, further comprising transmitting information corresponding to the first account.

260. Proceeding with said transaction:

259. The electronic device of claim 258, further comprising transmitting information corresponding to a second account that is different from the first account.

261. The processing unit includes: in response to said determining that the wireless signal corresponds to the first type of request; 261. The electronic device of any one of claims 253 to 260, further configured to refrain from presenting any indication requiring authentication.

262. The first account is one of a plurality of transit accounts stored by the account information application, and the account information application stores one or more additional accounts that are not transit accounts, and the processing unit: prior to detecting said wireless signal by said one or more short-range communications radio units; receiving a user input selecting the first account as an account to be made available for use without checking authentication; designating the first account as available for use without checking authentication in response to receiving user input selecting the first account as an account to be made available for use without checking authentication; 262. The electronic device of any one of claims 253 to 261, further configured as follows:

263. 263. The electronic device of any one of claims 253 to 262, wherein the first account is an identity account.

264. 264. The electronic device of any one of claims 253 to 263, wherein the electronic device is in a locked state prior to detecting the wireless signal and continues to remain in the locked state while transmitting information corresponding to the first account without checking authentication.

265. 265. The electronic device of any one of claims 253 to 264, wherein the information corresponding to the first account includes an account number for the first account.

266. 266. The electronic device of any one of claims 253 to 265, wherein the first account is a stored value account and the information corresponding to the first account includes assets from the first account.

267. 266. The electronic device of any one of claims 253 to 265, wherein the first account is a payment account and the information corresponding to the first account includes payment account information for the first account.

268. 266. The electronic device of any one of claims 253 to 265, wherein the first account is a transit commuter account and the information corresponding to the first account includes transit pass information for the first account.

269. The first account is a stored value account, and the information corresponding to the first account includes an account number of the first account, and the processing unit: detecting, by the one or more short-range communications radio units, a second wireless signal including a request for an amount of the property; pursuant to determining that the second wireless signal corresponds to the first type of request, transmitting assets from the first account without checking authorization.

265. The electronic device of any one of claims 253 to 264, further configured as follows:

270. The information corresponding to the first account includes an account number of the first account, and the processing unit: detecting, by the one or more short-range communications radio units, a second wireless signal including a request for an amount of the property; upon determining that the second wireless signal corresponds to the first type of request, pursuant to a determination that the requested amount of the assets does not exceed a pre-approved transaction amount, transmitting the assets from the first account without checking authorization; pursuant to a determination that the requested amount of assets exceeds the pre-approved transaction amount; generating feedback indicating that the requested amount of the asset does not correspond to the expected cost; checking authorization to proceed with said transaction; 265. The electronic device of any one of claims 253 to 264, further configured as follows:

271. The processing unit includes: in response to said determining that the second wireless signal corresponds to the first type of request; pursuant to said determination that the requested amount of said assets exceeds said pre-approved transaction amount; receiving second authentication information; pursuant to a determination that the second authentication information matches registered authentication information that is valid for authorizing the transaction, proceeding with the transaction; pursuant to a determination that the second authentication information does not match registered authentication information that is valid for authorizing the transaction, refraining from proceeding with the transaction.

271. The electronic device of claim 270, further configured as follows.

272. 272. The electronic device of any one of claims 253 to 271, wherein the determination that the wireless signal corresponds to the first type of request is based on context information of the electronic device corresponding to a time when the wireless signal was detected by the electronic device.

273. 273. The electronic device of any one of claims 253 to 272, wherein the determination that the wireless signal corresponds to the first type of request comprises a determination that a set of one or more context conditions are satisfied, a first of the one or more context conditions being satisfied when content of the wireless signal includes a predetermined value.

274. 274. The electronic device of any one of claims 253 to 273, wherein the determination that the wireless signal corresponds to the first type of request includes a determination that a set of one or more context conditions are satisfied, a second context condition of the one or more context conditions being satisfied when a physical location of the electronic device corresponding to a time when the wireless signal is detected by the electronic device corresponds to a predetermined location.

275. 275. The electronic device of any one of claims 253 to 274, wherein the determination that the wireless signal corresponds to the first type of request includes a determination that a set of one or more context conditions are satisfied, a third context condition of the one or more context conditions being satisfied when the electronic device is within range of one or more wireless signals different from the wireless signal.

276. 276. The electronic device of any one of claims 253 to 275, wherein the determination that the wireless signal corresponds to the first type of request includes a determination that a set of one or more context conditions are satisfied, and a fourth context condition of the one or more context conditions is satisfied when the wireless signal includes a request for an amount of an asset that does not exceed an asset threshold.

277. 277. The electronic device of any one of claims 253 to 276, wherein the determination that the wireless signal corresponds to the first type of request includes a determination that a set of one or more unlocking conditions are satisfied, and a first unlocking condition of the set of one or more unlocking conditions is satisfied when the electronic device was unlocked within a previous time.

278. 278. The electronic device of any one of claims 253 to 277, wherein the determination that the wireless signal corresponds to the first type of request includes a determination that a set of one or more unlocking conditions are satisfied, and a second unlocking condition of the set of one or more unlocking conditions is satisfied when the electronic device is unlocked after a predetermined date and time on the day that the wireless signal is detected.

279. 279. The electronic device of any one of claims 253 to 278, wherein the determination that the wireless signal corresponds to the first type of request includes a determination that a set of one or more unlocking conditions are satisfied, and a third unlocking condition of the set of one or more unlocking conditions is satisfied when the electronic device is unlocked after a reboot.

280. A display unit; one or more input device units; a processing unit coupled to the display unit and the one or more input device units; The processing unit comprises: enabling display, on the display unit, of representations of a plurality of devices associated with a user account, the representations of the plurality of devices including a first representation of a first device and a second representation of a second device, the first device associated with a trading account and the second device not associated with the trading account; receiving, via the one or more input device units, a selection corresponding to the displayed representation of the second device; responsive to receiving the selection corresponding to the displayed representation of the second device; Associating the trading account with the second device; causing the trading account to be associated and unlocked from the first device; 1. An electronic device configured to:

281. 281. The electronic device of claim 280, wherein the first device is the electronic device that has caused the trading account to be associated with the second device and unlocked from the first device.

282. 281. The electronic device of claim 280, wherein the second device is the electronic device that has had the trading account associated with the second device and unlocked from the first device.

283. 283. The electronic device of any one of claims 280 to 282, wherein the transaction account is a payment account.

284. 283. The electronic device of any one of claims 280 to 282, wherein the transaction account is a transit account.

285. 285. The electronic device of any one of claims 280 to 284, wherein the transaction account is a stored value account.

286. The transaction account is a stored value account, and the processing unit simultaneously enabling display of the representation of the account along with an activatable add-value option and an activatable transfer-to-account option prior to enabling display of the representations on the plurality of devices; receiving activation of said transfer-to-account option; It is further structured as follows:

286. The electronic device of any one of claims 280 to 285, wherein enabling the display of the representation of the plurality of devices associated with the user account is responsive to receiving activation of the transfer-to-account option.

287. The processing unit includes:

287. The electronic device of any one of claims 280 to 286, further configured to receive user input designating the transaction account as an account to be made available for use on two or more of the plurality of devices.

288. The electronic device is a second device, and the processing unit comprises: receiving a user input designating a third device of the plurality of devices as a device available for use by the trading account; following the unlocking of the trading account from the second device and following the unlocking of the trading account from the first device; receiving a request for payment authentication information for the transaction account from a third device different from the electronic device; transmitting payment authentication information for the transaction account from the second device to the third device pursuant to determining that the third device is designated as a device that the transaction account will make available for use; 288. The electronic device of any one of claims 280 to 287, further configured as follows:

289. The processing unit includes: Pursuant to a determination that the time condition is satisfied, Associating and unlocking the trading account from the second device; Associating the trading account with the first device; 289. The electronic device of any one of claims 280 to 288, further configured as follows:

290. 290. The electronic device of any one of claims 280 to 289, wherein associating the trading account with the second device includes limiting the trading account to a maximum payout amount at the second device.

291. 291. The electronic device of any one of claims 280 to 290, wherein associating the transaction account with the second device includes restricting the transaction account at the second device to require pre-approval for each proposed payment to be made at the second device from the first device.

292. 292. The electronic device of any one of claims 280 to 291, wherein the representations of the plurality of devices associated with the user account include representations of devices logged into a service under the same user account as the electronic device.

293. 293. The electronic device of any one of claims 280 to 292, wherein the representations of the plurality of devices associated with the user account include representations of devices logged into a service using respective user accounts associated with the user account through which the electronic device is logged into the service.

294. The processing unit includes: subsequent to associating the trading account with the second device and subsequent to associating and unlocking the trading account from the first device; enabling, on the display unit, a display of a representation of the plurality of devices, the first device being not associated with the trading account and the second device being associated with the trading account; receiving, via the one or more input device units, respective selections corresponding to the first device; In response to receiving the respective selection corresponding to the first device, Associating and unlocking the trading account from the second device; Associating the trading account with the first device; 294. The electronic device of any one of claims 280 to 293, further configured as follows:

295. an electronic wallet application unit; A processing unit; The processing unit comprises: Detecting that a set of one or more payment criteria for making a payment using the stored value account has been met; in response to detecting that the set of one or more payment criteria for making the payment using the stored value account have been satisfied and in accordance with a determination that payment credentials for the stored value account are not available in the electronic wallet application of the electronic device, requesting payment credentials for the stored value account from a second device, different from the electronic device; receiving, at the electronic device, payment authentication information for the stored value account from the second device when the payment authentication information for the stored value account is available at the second device subsequent to requesting the payment authentication information for the stored value account from the second device; 1. An electronic device configured to:

296. 300. The electronic device of claim 295, wherein the payment authentication information for the stored value account is received at the electronic device from the second device using device-to-device communication over a short-range wireless network.

297. 297. The electronic device of claim 295 or 296, wherein a first payment criterion of the set of one or more payment criteria is satisfied when the electronic device receives a request for payment.

298. 30. The electronic device of any one of claims 295 to 297, wherein the electronic device includes one or more short-range communication radio units, and a second payment criterion of the set of one or more payment criteria is met when the electronic device detects a field using the one or more short-range communication radio units.

299. 300. The electronic device of any one of claims 295 to 298, wherein a third payment criterion of the set of one or more payment criteria is satisfied when the electronic device detects a context indicating that payment will be required.

300. 300. The electronic device of any one of claims 295 to 299, wherein a fourth payment criterion of the set of one or more payment criteria is satisfied when the electronic device detects activation of an option corresponding to the stored value account.

301. 301. The electronic device of any one of claims 295 to 300, wherein a fifth payment criterion of the set of one or more payment criteria is satisfied when the electronic device determines that the stored value account is designated to be made available at the electronic device.

302. 302. The electronic device of any one of claims 295 to 301, wherein the stored value account is a first type account and a sixth payment criterion of the set of one or more payment criteria is satisfied when the electronic device receives a request for payment using the first type account.

303. 303. The electronic device of any one of claims 295 to 302, wherein requesting payment authentication information for the stored value account from the second device includes sending a request to the second device, the request identifying the stored value account.

304. The processing unit includes:

304. The electronic device of any one of claims 295 to 303, further configured to proceed with the payment using the stored value account in response to detecting that the set of one or more payment criteria for making the payment using the stored value account have been met and in accordance with a determination that payment credentials for the stored value account are available in the electronic wallet application of the electronic device.

305. The processing unit includes: in response to detecting that the set of one or more payment criteria for making the payment using the stored value account have been met, in response to determining that payment credentials for the stored value account are not available in the electronic wallet application of the electronic device, and in response to not receiving payment credentials for the stored value account. refrain from proceeding with said payment using said stored value account; presenting a notice to the user indicating that the stored value account is not available for use in making the payment; 305. The electronic device of any one of claims 295 to 304, further configured as follows:

306. The processing unit includes: following receiving at the electronic device payment authentication information for the stored value account from the second device; transferring assets from said stored value account to a trading terminal to make said payment; transmitting payment authentication information for the stored value account from the electronic device to the second device in response to transferring assets from the stored value account to the trading terminal; 306. The electronic device of any one of claims 295 to 305, further configured as follows:

307. The processing unit includes: following receiving at the electronic device payment authentication information for the stored value account from the second device; transferring assets from said stored value account to a trading terminal to make said payment; in response to transferring assets from the stored value account to the trading terminal, refraining from transmitting payment authentication information for the stored value account from the electronic device to the second device.

306. The electronic device of any one of claims 295 to 305, further configured as follows:

308. The processing unit includes: following receiving at the electronic device payment authentication information for the stored value account from the second device; receiving a request from the second device for payment credentials for the stored value account; responsive to receiving the request for payment credentials for the stored value account, transmitting payment credentials for the stored value account from the electronic device to the second device.

306. The electronic device of any one of claims 295 to 305, further configured as follows:

309. following receiving at the electronic device payment authentication information for the stored value account from the second device; determining whether a predetermined schedule event condition is satisfied; transmitting payment authentication information for the stored value account from the electronic device to the second device in response to determining that the predetermined schedule event condition is satisfied; 306. The electronic device of any one of claims 295 to 305, comprising:

310. 310. The electronic device of any one of claims 295 to 309, wherein the electronic device uses a first communication protocol to receive payment authentication information for the stored value account from the second device, and the electronic device uses a second communication protocol different from the first communication protocol to make the payment to a transaction terminal.

311. The electronic device of any one of claims 295 to 310, wherein the electronic device includes one or more radio units, the electronic device uses a first set of the one or more radio units of the electronic device to receive payment authentication information for the stored value account from the second device, and the electronic device uses a second set of the one or more radio units different from the first set of the one or more radio units to make the payment to a transaction terminal.

312. The processing unit includes: following receiving at the electronic device payment authentication information for the stored value account from the second device; providing an indication requesting authorization to make a payment using payment credentials of said stored value account; Receive authentication information, pursuant to a determination that the authentication information matches registered authentication information that is valid for authorizing the transaction, transferring assets from the stored value account to a trading terminal to make the payment.

312. The electronic device of any one of claims 295 to 311, further configured as follows:

313. 20. The method of claim 1, wherein the electronic device includes a secure element, and wherein transferring at least some of the stored value from the card to the virtual card stored on the electronic device includes storing, in the secure element of the electronic device, information for accessing the stored value of the virtual card.

314. 43. The method of any one of claims 26 to 42, wherein the electronic device includes a secure element, and wherein transferring at least some of the stored value from the stored value card to the virtual card stored on the electronic device includes storing, in the secure element of the electronic device, information for accessing the stored value of the virtual card.

315. 70. The method of any one of claims 49 to 69, wherein the electronic device includes a secure element, and adding value to the stored value account using the payment account includes storing in the secure element of the electronic device information for accessing the stored value in the stored value account.

316. 94. The method of any one of claims 76 to 93, wherein the electronic device includes a secure element, and transferring authentication information for the stored value account to the contactless transaction terminal includes releasing information from the secure element of the electronic device for accessing the authentication information for the stored value account.

317. 127. The method of any one of claims 100 to 126, wherein the electronic device includes a secure element, and sending information corresponding to the first account without checking authentication includes releasing information from the secure element of the electronic device for accessing the information corresponding to the first account.

318. 148. The method of any one of claims 133 to 147, wherein associating the trading account with the second device includes causing the second device to store information for retrieving a value in the trading account in a secure element of the second device, and causing the trading account to be associated and unlocked from the first device includes not causing the first device to store information for retrieving a value in the trading account in a secure element of the first device.

319. The electronic device includes a secure element, and the method further comprises:

172. A method according to any one of claims 154 to 171, further comprising storing information for accessing value in the stored value account in the secure element of the electronic device following receipt at the electronic device of the payment authentication information for the stored value account.

Images