User interface for stored value accounts

Abstract

The present invention provides methods for managing transactions and accounts, as well as electronic devices and storage media. [Solution] The method includes an electronic device displaying a plurality of devices associated with a user account on a display. The representation of the plurality of devices includes a first representation of a first device and a second representation of a second device. The method also includes receiving a selection via one or more input devices corresponding to a displayed representation of a second device, associating a trading account with the second device in accordance with receiving the selection corresponding to the displayed representation of the second device, and unlocking the trading account from the first device.

Claims

1. In an electronic device having one or more input devices and one or more short-range wireless communication devices, The card account number of the card is received by one or more short-range wireless communication devices, and the card has stored value. Requesting verification information to verify ownership of the aforementioned card, The electronic device receives input from the user of the card, including verification information for verifying ownership of the card, via one or more input devices. The ownership of the card is verified by comparing the verification information with separate information about the card that is received separately from the verification information. In accordance with the determination that the verification of ownership was successful, To generate a prompt to perform a value transfer operation for the transfer of value, Along with the transfer of the value, the transfer of at least some of the stored value from the card to a virtual card stored in the electronic device, A method that includes this.

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

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

4. In accordance with the determination that the transfer of the aforementioned value was unsuccessful, The method according to any one of claims 1 to 3, further comprising generating a second prompt for performing the value transfer operation for the transfer of the value.

5. In accordance with the determination that the verification of ownership was unsuccessful, The method according to any one of claims 1 to 4, further comprising generating feedback indicating that the verification of ownership was unsuccessful.

6. In accordance with the determination that the aforementioned card is registered, Requesting verification information to verify ownership of the card includes requesting information not shown on the card, In accordance with the determination that the aforementioned card is not registered, The method according to any one of claims 1 to 5, wherein requesting verification information for verifying ownership of the card includes requesting information displayed on the card.

7. In accordance with the determination that the card is not registered, and before verifying ownership of the card, As part of requesting verification information to verify ownership of the card, this includes requesting the account number provided by the user of the card, As part of receiving input from the user of the electronic device, which includes verification information for verifying ownership of the card, the receiving of the account number provided by the user of the card, As part of verifying ownership of the card by comparing the aforementioned verification information with separate information, the account number provided by the user is compared with the card account number, wherein the separate information includes the received card account number of the card. The method according to any one of claims 1 to 6, further comprising:

8. The method according to any one of claims 1 to 7, wherein the electronic device does not present the card account number of the card before receiving input from the user of the electronic device, which includes verification information for verifying ownership of the card, via the one or more input devices.

9. In accordance with the determination that the aforementioned card is registered, Transmitting the card account number of the aforementioned card, Receiving the aforementioned separate information, The method according to any one of claims 1 to 8, further comprising:

10. The method according to any one of claims 1 to 9, further comprising refraining from receiving the account number provided by the user of the card.

11. The electronic device includes a display, and the method is Following the transfer of at least some of the stored values ​​from the card to the virtual card stored in the electronic device, The method according to any one of claims 1 to 10, further comprising displaying transit plan information for the virtual card on the display, wherein the transit plan information is based on at least some of the transferred stored values.

12. The electronic device includes a display, and the method is Following the transfer of at least some of the stored values ​​from the card to the virtual card stored in the electronic device, The method according to any one of claims 1 to 11, further comprising displaying on the display one or more of the balance of the virtual card, the username of the account registered with the virtual card, and the transit plan information of the virtual card.

13. Transferring at least some of the stored values ​​from the card to the virtual card stored in the electronic device is: Removing the stored value from the card, Sending a request to the server to deactivate the aforementioned card, The method according to any one of claims 1 to 12, including the method described in any one of claims 1 to 12.

14. In accordance with the determination that the electronic device does not have another linked transit account, the virtual card account is to be made available for use without checking authentication. In accordance with the determination that the electronic device has one or more other linked transit accounts, the designation to make the virtual card's account available for use without checking authentication will be withheld. The method according to any one of claims 1 to 13, including the method described in any one of claims 1 to 13.

15. In accordance with the determination that the electronic device does not have another linked transit account, The method according to any one of claims 1 to 14, comprising refraining from designating the virtual card to make the account available for use without checking authentication, in accordance with receiving user input indicating a request not to make the account available for use without checking authentication.

16. Receiving user input indicating a request not to make the account available for use without checking authentication, In response to receiving user input indicating the request not to make the account available for use without checking authentication, specify that the virtual card account should not be made available for use without checking authentication, The method according to any one of claims 1 to 15, including the method described in any one of claims 1 to 15.

17. Receiving user input to select an account to make available for use without checking authentication, In response to receiving user input selecting the account to be made available for use without checking authentication, the selected account is to be made available for use without checking authentication. The method according to any one of claims 1 to 16, including the method described in any one of claims 1 to 16.

18. The method according to any one of claims 1 to 17, wherein the virtual card is stored in the device before the card account number of the card is received and before ownership of the card is verified.

19. The electronic device includes a display, and the method is Following the transfer of at least some of the stored values ​​from the card to the virtual card stored in the electronic device, The method according to any one of claims 1 to 18, further comprising displaying the stored value of the virtual card on the display.

20. A 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 input devices and one or more short-range radios, wherein the one or more programs include instructions for performing the method according to any one of claims 1 to 19.

21. One or more input devices, One or more short-range radio transceivers, One or more processors, A memory that stores one or more programs configured to be executed by one or more processors, An electronic device comprising, wherein one or more programs include instructions for performing the method according to any one of claims 1 to 19.

22. One or more input devices, One or more short-range radio transceivers, Means for carrying out the method described in any one of claims 1 to 19, An electronic device equipped with the following features.

23. A non-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 input devices and one or more short-range wireless communication devices, wherein the one or more programs are One or more short-range wireless communication devices receive a card, the card having a stored value, and the card account number of the card. Request verification information to verify ownership of the aforementioned card, The electronic device receives input from the user of the card, including verification information for verifying ownership of the card, via one or more input devices. The ownership of the card is verified by comparing the verification information with separate information about the card that is received separately from the verification information. In accordance with the determination that the verification of ownership was successful, Generate a prompt to perform a value transfer operation for the transfer of value, Along with the value transfer operation, at least some of the stored values ​​are transferred from the card to a virtual card stored in the electronic device. A non-temporary computer-readable storage medium containing instructions.

24. One or more input devices, One or more short-range radio transceivers, One or more processors, Memory containing one or more programs configured to run by one or more processors, The program comprises one or more programs, One or more short-range wireless communication devices receive a card, the card having a stored value, and the card account number of the card. Request verification information to verify ownership of the aforementioned card, The electronic device receives input from the user of the card, including verification information for verifying ownership of the card, via one or more input devices. The ownership of the card is verified by comparing the verification information with separate information about the card that is received separately from the verification information. In accordance with the determination that the verification of ownership was successful, Generate a prompt to perform a value transfer operation for the transfer of value, Along with the value transfer operation, at least some of the stored values ​​are transferred from the card to a virtual card stored in the electronic device. An electronic device that includes instructions.

25. One or more input devices, One or more short-range radio transceivers, A means for receiving the card account number of a card by one or more short-range wireless communication devices, wherein the card has stored value, Means for requesting verification information to verify ownership of the aforementioned card, Means for receiving input from the user of the electronic device, including verification information for verifying ownership of the card, via one or more input devices, A means for verifying ownership of the card by comparing the verification information with separate information about the card received separately from the verification information, In accordance with the determination that the verification of ownership was successful, Generate a prompt to perform a value transfer operation for the transfer of value, Along with the value transfer operation, at least some of the stored values ​​are transferred from the card to a virtual card stored in the electronic device. means and An electronic device equipped with the following features.

26. In an electronic device having a display, one or more input devices, and one or more short-range wireless communication devices, Requesting verification information to verify ownership of a stored value card, wherein the stored value card has stored value, Receiving input from the user of the electronic device via one or more input devices, which includes verification information for verifying ownership of the card, wherein the verification information includes information not shown on the card. The electronic device's display shows a prompt to place the electronic device within the communication range of the stored value card, The one or more short-range wireless communication devices receive identification information from the stored value card, The ownership of the stored value card is verified by comparing the verification information with the identification information, In accordance with the determination that the verification of ownership was successful, Transferring at least some of the stored value from the stored value card to a virtual card stored in the electronic device, A method that includes this.

27. In accordance with the determination that the verification of ownership was unsuccessful, To generate feedback indicating that ownership verification was unsuccessful, Requesting verification information to verify ownership of the aforementioned stored value card, The method according to claim 26, further comprising:

28. Transferring at least some of the stored value from the stored value card to the virtual card stored in the electronic device is: The stored value is removed from the stored value card, Sending a request to the server to deactivate the aforementioned stored value card, The method according to claim 26 or 27, including the method described in claim 26 or 27.

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

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

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

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

33. The method according to 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, which includes verification information for verifying ownership of the card, via the one or more input devices.

34. Following the transfer of at least some of the stored value from the stored value card to the virtual card stored in the electronic device, The method according to any one of claims 26 to 33, comprising displaying the stored value of the virtual card on the display.

35. Following the transfer of at least some of the stored value from the stored value card to the virtual card stored in the electronic device, The method according to any one of claims 26 to 34, further comprising displaying transit plan information for the virtual card, wherein the transit plan information is based on at least some of the transferred stored values.

36. Following the transfer of at least some of the stored value from the stored value card to the virtual card stored in the electronic device, The method according to any one of claims 26 to 35, further comprising displaying one or more of the balance of the virtual card, the username of the account registered with the virtual card, and the transit plan information of the virtual card.

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

38. In accordance with the determination that the electronic device does not have another linked transit account, the virtual card account is to be made available for use without checking authentication. In accordance with the determination that the electronic device has one or more other linked transit accounts, the designation to make the virtual card's account available for use without checking authentication will be withheld. The method according to any one of claims 26 to 37, including the method described in any one of claims 26 to 37.

39. In accordance with the determination that the electronic device does not have another linked transit account, The method according to any one of claims 26 to 38, comprising, in response to receiving user input indicating a request not to make the account available for use without checking authentication, refraining from designating the virtual card to make the account available for use without checking authentication.

40. Receiving user input indicating a request not to make the account available for use without checking authentication, In response to receiving user input indicating the request not to make the account available for use without checking authentication, specify that the virtual card account should not be made available for use without checking authentication, The method according to any one of claims 26 to 39, including the method described in any one of claims 26 to 39.

41. Receiving user input to select an account to make available for use without checking authentication, In response to receiving user input selecting the account to be made available for use without checking authentication, the selected account is to be made available for use without checking authentication. The method according to any one of claims 26 to 40, including the method described above.

42. The method according to any one of claims 26 to 41, wherein the virtual card is stored in the electronic device before the card account number of the card is received and before ownership of the card is verified.

43. 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, one or more short-range radios, and one or more input devices, wherein the one or more programs include instructions for performing the method according to any one of claims 26 to 42.

44. The display and One or more short-range radio transceivers, One or more input devices, One or more processors, A memory that stores one or more programs configured to be executed by one or more processors, An electronic device comprising, wherein one or more programs include instructions for performing the method according to any one of claims 26 to 42.

45. The display and One or more short-range radio transceivers, One or more input devices, Means for carrying out the method described in any one of claims 26 to 42, An electronic device equipped with the following features.

46. A non-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, one or more short-range wireless devices, and one or more input devices, wherein the one or more programs are A stored value card, wherein the stored value card has a stored value and requests verification information to verify ownership of the stored value card, Verification information for verifying ownership of the card via one or more input devices, wherein the verification information includes information not shown on the card, and the electronic device receives input from the user of the electronic device including the verification information. On the display of the electronic device, a prompt is displayed to place the electronic device within the communication range of the stored value card. The identification information is received from the stored value card by one or more short-range wireless communication devices. The ownership of the stored value card is verified by comparing the verification information with the identification information. In accordance with the determination that the verification of ownership was successful, Transfer at least some of the stored value from the stored value card to a virtual card stored in the electronic device. A non-temporary computer-readable storage medium containing instructions.

47. The display and One or more short-range radio transceivers, One or more input devices, One or more processors, A memory that stores one or more programs configured to be executed by one or more processors, The program comprises one or more programs, A stored value card, wherein the stored value card has a stored value and requests verification information to verify ownership of the stored value card, Verification information for verifying ownership of the card via one or more input devices, wherein the verification information includes information not shown on the card, and the electronic device receives input from the user of the electronic device including the verification information. On the display of the electronic device, a prompt is displayed to place the electronic device within the communication range of the stored value card. The identification information is received from the stored value card by one or more short-range wireless communication devices. The ownership of the stored value card is verified by comparing the verification information with the identification information. In accordance with the determination that the verification of ownership was successful, Transfer at least some of the stored value from the stored value card to a virtual card stored in the electronic device. An electronic device that includes instructions.

48. The display and One or more short-range radio transceivers, One or more input devices, A means for requesting verification information to verify ownership of a stored value card, wherein the stored value card has stored value, Means for receiving input from a user of an electronic device via one or more input devices, the means including verification information for verifying ownership of the card, wherein the verification information includes information not shown on the card. means for displaying a prompt on the display of the electronic device to place the electronic device within the communication range of the stored value card, A means for receiving identification information from the stored value card using one or more short-range wireless communication devices, A means for verifying ownership of the stored value card by comparing the verification information with the identification information, In accordance with the determination that the verification of ownership was successful, Means for transferring at least some of the stored value from the stored value card to a virtual card stored in the electronic device, An electronic device equipped with the following features.

49. In an electronic device having a display and one or more input devices, The display shows a representation of a stored value account, including activatable additional-value options, wherein the electronic device has an electronic wallet application that includes the stored value account and the payment account. While displaying the representation of the stored value account, the activation of the additional value option is detected via one or more input devices. Detecting the activation of a deposit-account option for adding value to the stored value account using the payment account of the electronic wallet application via one or more input devices, While displaying a proposed transaction to add assets from the payment account to the stored value account, authentication information is received on the electronic device, In response to receiving the aforementioned authentication information, and in accordance with the determination that the aforementioned authentication information matches the registered authentication information for executing a payment transaction using the payment account, value is added to the stored value account using the payment account. A method that includes this.

50. The method according to claim 49, comprising refraining from adding value to the stored value account using the payment account in response to receiving the authentication information and in accordance with the determination that the authentication information does not match the registered authentication information for executing a payment transaction using the payment account.

51. The method according to claim 49 or 50, comprising generating a prompt to provide authorization to add value from the payment account to the stored value account before receiving the authentication information.

52. The method according to any one of claims 49 to 51, wherein the expression for a stored value account includes the current balance of the stored value account.

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

54. The 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 additional-value option.

55. Displaying a user interface on the display for user input to add value to the stored value account using the payment account, wherein the user interface for user input to add value is Virtual numeric keypad and, One or more proposed amounts, The current balance of the aforementioned stored value account and, The fact that it includes both, The virtual numeric keypad receives input of an amount to add value to the stored value account using the payment account, In response to receiving the aforementioned input on the virtual numeric keypad, the display of one or more suggested amounts on the virtual numeric keypad is updated based on the received input. The method according to any one of claims 49 to 54, further comprising:

56. The received input in the virtual numeric keypad corresponds to an amount exceeding the maximum allowable amount for adding value to the stored value account using the payment account, The method according to claim 55, wherein updating the display of one or more proposed amounts based on the received input in the virtual numeric keypad includes updating the display of one or more proposed amounts to reflect the largest acceptable amount.

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

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

60. The system receives user input of the selected amount to add value to the stored value account, Upon receiving user input of the selected amount, the system displays a user interface on the display requesting authentication. The method according to any one of claims 49 to 59, including the method described in any one of claims 49 to 59.

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

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

63. The method according to 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. To detect when the current balance of the stored value account falls below the minimum balance notification level, In response to detecting that the current balance of the stored value account falls below the minimum balance notification level, a notification is generated that the current balance of the stored value account falls below the minimum balance notification level. The method according to any one of claims 49 to 63, including the method described in any one of claims 49 to 63.

65. Receiving user input to activate the aforementioned notification, Upon receiving the user input that activates the notification, the display shows the user interface for user input to add value to the stored value account using the payment account, The method according to claim 64, including the method described in claim 64.

66. The aforementioned stored value account is a transit account, The aforementioned expression for the stored value account is, The transit plan indication associated with the aforementioned transit account, Indication of the effective date of the aforementioned transit plan, The method according to any one of claims 49 to 61 and 63 to 65, including the method described in any one of claims 49 to 61 and 63 to 65.

67. The stored value account is a transit account, and the method is The display further includes displaying a user interface for depositing funds into a transit account using the payment account, wherein the user interface for depositing funds into the transit account is One or more proposed amounts, The start and end dates of the recommended transit plan, The method according to any one of claims 49 to 61 and 63 to 66, which simultaneously includes the following.

68. The stored value account is a transit account, and the method is The method according to any one of claims 49 to 61 and 63 to 67, further comprising generating a notice indicating that the transit plan for the stored value account is due for renewal, in accordance with the determination 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 is Detecting proximity to transit stations, Determining the expected destination based on one or more contextual factors, In accordance with the determination that the stored value account does not have sufficient funds to travel from the transit station to the expected destination, a notice is generated stating that the stored value account does not have sufficient funds to travel from the transit station to the expected destination. It further includes, The 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 additional-value option corresponds to detecting the activation of the notification that the stored value account does not have sufficient assets.

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, wherein the one or more programs include instructions for performing the method according to any one of claims 49 to 69.

71. The display and One or more input devices, One or more processors, A memory that stores one or more programs configured to be executed by one or more processors, An electronic device comprising, wherein one or more programs include instructions for performing the method according to any one of claims 49 to 69.

72. The display and One or more input devices, Means for carrying out the method described in any one of claims 49 to 69, An electronic device equipped with the following features.

73. A non-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, wherein the one or more programs are On the display, the electronic device displays a representation of a stored value account, which includes an activatable additional-value option, and the electronic device has an electronic wallet application that includes the stored value account and a payment account. While displaying the representation of the stored value account, the activation of the additional value option is detected via one or more input devices. The activation of a deposit-account option for adding value to the stored value account using the payment account of the electronic wallet application is detected via one or more input devices. While displaying a proposed transaction to add assets from the payment account to the stored value account, authentication information is received on the electronic device. Upon receiving the aforementioned authentication information, and in accordance with the determination that the aforementioned authentication information matches the registered authentication information for executing a payment transaction using the payment account, the value is added to the stored value account using the payment account. A non-temporary computer-readable storage medium containing instructions.

74. It is an electronic device, The display and One or more input devices, One or more processors, A memory that stores one or more programs configured to be executed by one or more processors, The program comprises one or more programs, On the display, the electronic device displays a representation of a stored value account, which includes an activatable additional-value option, and the electronic device has an electronic wallet application that includes the stored value account and a payment account. While displaying the representation of the stored value account, the activation of the additional value option is detected via one or more input devices. The activation of a deposit-account option for adding value to the stored value account using the payment account of the electronic wallet application is detected via one or more input devices. While displaying a proposed transaction to add assets from the payment account to the stored value account, authentication information is received on the electronic device. Upon receiving the aforementioned authentication information, and in accordance with the determination that the aforementioned authentication information matches the registered authentication information for executing a payment transaction using the payment account, the value is added to the stored value account using the payment account. Electronic devices, including transactions for this purpose.

75. It is an electronic device, The display and One or more input devices, A means for displaying a representation of a stored value account, including an activatable additional-value option, on the display, wherein the electronic device has an electronic wallet application including the stored value account and the payment account. While displaying the representation of the stored value account, means for detecting the activation of the additional value option via one or more input devices, Means for detecting the activation of a deposit-account option for adding value to the stored value account using the payment account of the electronic wallet application via one or more input devices, Means for receiving authentication information on the electronic device while displaying a proposed transaction for adding assets from the payment account to the stored value account, A means for adding value to the stored value account using the payment account, in response to receiving the authentication information and determining that the authentication information matches the registered authentication information for executing a payment transaction using the payment account, An electronic device equipped with the following features.

76. In an electronic device having a display, one or more short-range wireless devices, and an electronic wallet application including a stored value account, The display shows an indication of the available credits for the stored value account, Using one or more short-range wireless communication devices, the authentication information of the stored value account is transferred to a contactless transaction terminal separate from the electronic device. Based on a transaction with the contactless transaction terminal performed using the authentication information of the stored value account transferred to the contactless transaction terminal using one or more short-range wireless devices, the display of the indication for the available credit is replaced with the display of the indication for the transaction corresponding to the transfer of the authentication information to the contactless transaction terminal. A method that includes this.

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

78. Displaying the indication of the available credits for the stored value account on the display is: This includes displaying the indication of the available credits of the stored value account at a first position on the display, Replacing the indication of available credits with the indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal is: Displaying the indication of available credits at a second position on the display, wherein the second position is different from the first position, The first position on the display shows the indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal, The method according to claim 76 or 77, including the method described in claim 76 or 77.

79. Replacing the indication of available credits with the indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal is: On the display, the indication of the available credits is slid in a first direction from a first position to a second position different from the first position, On the display, the indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal is slid in the first direction, The method according to any one of claims 76 to 78, which simultaneously includes the following.

80. In response to the transfer of the authentication information of the stored value account to the contactless transaction terminal, the display shows: The indication of the available credits, The indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal, An indication that the transfer of the authentication information of the stored value account to the contactless transaction terminal has been completed, The method according to any one of claims 76 to 79, which includes simultaneously displaying the following.

81. The method according to any one of claims 76 to 80, wherein the determination that the transaction was executed using the authentication information of the stored value account includes detecting that the available credit of the stored value account has been changed.

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

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

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

85. Before transferring the authentication information of the stored value account to the contactless transaction terminal using one or more of the aforementioned short-range wireless devices, and before replacing the indication of the available credit with the indication of the transaction corresponding to the transfer of the authentication information, To present an indication requesting authentication to transfer the authentication information of the stored value account to the contactless transaction terminal, Receiving authentication information, The method according to any one of claims 76 to 84, wherein the transfer of authentication information of the stored value account to the contactless transaction terminal is subject to a determination that the authentication information matches registered authentication information which is valid for approving the transaction.

86. The method according to any one of claims 76 to 85, comprising, after transferring authentication information of the stored value account to the contactless transaction terminal using one or more short-range wireless devices, displaying a transaction history on the display, wherein the transaction history includes one or more representations of transit trips.

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

88. The method according to claim 86 or 87, wherein the displayed transaction history includes one or more representations of ongoing transit trips, and the one or more representations of ongoing transit trips include a displayed status indication that the one or more transit trips are in progress.

89. An indication of an ongoing transit trip is at the top of the list of transaction history, and the method is, Following the display of the transaction history including the indication of an ongoing transit trip at the top of the list of transaction history, the authentication information of the stored value account is transferred to a second contactless transaction terminal for non-transit transactions using one or more short-range radios. Move the indication of the transit trip in progress in the list of the transaction history, and display the indication of the non-transit transaction in the position previously occupied by the indication of the transit trip in progress. Using one or more short-range wireless devices, transfer the authentication information of the stored value account to a third contactless transaction terminal for the transit trip in progress in order to terminate the trip. In response to the transfer of the authentication information of the stored value account to the third contactless transaction terminal for the transit trip in progress, To move the display of the indicator for the non-transit transaction to the top of the list of the transaction history, The method according to claim 88, further comprising:

90. Receiving a request to display the device status user interface, In response to receiving the request to display the device status user interface, the device status user interface is displayed, In accordance with the determination that the device is using the stored value account for the ongoing transit trip, information regarding the use of the transit account for the ongoing transit trip is displayed on the device status user interface. In accordance with the determination that the device is not using the stored value account for an ongoing transit trip, the device status user interface is displayed without displaying information about the transit account for the transit trip. This includes, The method according to any one of claims 76 to 89, including the method described in any one of claims 76 to 89.

91. While using the stored value account for an ongoing transit trip, the authentication information of the stored value account has been transferred to the contactless transaction terminal, the stored value account is being used in the transit system, and the electronic device is locked. The method according to any one of claims 76 to 89, comprising displaying an indication of the stored value account on the lock screen of the display.

92. To detect the activation of the indication in the stored value account, In response to detecting the activation of the indication for the stored value account, a card details view for the stored value account is displayed, including information about recent transactions in which the stored value account was used. The method according to any one of claims 89 to 91, including the method described in any one of claims 89 to 91.

93. To detect the activation of the indication in the stored value account, In response to detecting the activation of the indication in the stored value account, a virtual boarding pass is displayed. The method according to any one of claims 89 to 91, wherein the virtual boarding pass includes one or more details relating to the ongoing transit trip associated with the stored value account.

94. 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, one or more short-range wireless devices, and an electronic wallet application including a stored value account, wherein the one or more programs include instructions for performing the method according to any one of claims 76 to 93.

95. The display and One or more short-range radio transceivers, Electronic wallet applications including stored value accounts, One or more processors, A memory that stores one or more programs configured to be executed by one or more processors, An electronic device comprising, wherein one or more programs include instructions for performing the method according to any one of claims 76 to 93.

96. The display and One or more short-range radio transceivers, Electronic wallet applications including stored value accounts, Means for carrying out the method described in any one of claims 76 to 93, An electronic device equipped with the following features.

97. A non-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, one or more short-range wireless devices, and an electronic wallet application including a stored value account, wherein the one or more programs are On the display, an indication of the available credit for the stored value account is shown. Using one or more short-range wireless communication devices, the authentication information of the stored value account is transferred to a contactless transaction terminal separate from the electronic device. Based on a transaction with the contactless transaction terminal performed using the authentication information of the stored value account transferred to the contactless transaction terminal using one or more short-range wireless devices, the display of the indication for the available credit is replaced with the display of the indication for the transaction corresponding to the transfer of the authentication information to the contactless transaction terminal. A non-temporary computer-readable storage medium containing instructions.

98. The display and One or more short-range radio transceivers, Electronic wallet applications including stored value accounts, One or more processors, A memory that stores one or more programs configured to be executed by one or more processors, The program comprises one or more programs, On the display, an indication of the available credit for the stored value account is shown. Using one or more short-range wireless communication devices, the authentication information of the stored value account is transferred to a contactless transaction terminal separate from the electronic device. Based on a transaction with the contactless transaction terminal performed using the authentication information of the stored value account transferred to the contactless transaction terminal using one or more short-range wireless devices, the display of the indication for the available credit is replaced with the display of the indication for the transaction corresponding to the transfer of the authentication information to the contactless transaction terminal. An electronic device that includes instructions.

99. The display and One or more short-range radio transceivers, Electronic wallet applications including stored value accounts, The display includes means for displaying an indication of available credit for the stored value account, A means for transferring authentication information of the stored value account to a contactless transaction terminal separate from the electronic device using one or more short-range wireless communication devices, Means for replacing the display of the indication for available credit with the display of the indication for the 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 one or more short-range wireless devices, An electronic device equipped with the following features.

100. An electronic device having one or more short-range wireless communication devices and an account information application including a first account, The detection of a radio signal by one or more short-range radio transceivers, In accordance with the determination that the wireless signal corresponds to a first type of request, information corresponding to the first account is transmitted without checking authentication. In accordance with the determination that the aforementioned radio signal corresponds to a second type of request, the authentication is checked before proceeding with the transaction corresponding to the aforementioned radio signal. A method that includes this.

101. The first type of request described above is a type of request for which the transmission of account information has been pre-approved to be automatically available without authentication, The method according to claim 100, wherein the second type of request is a type of request for which the transmission of account information has not been pre-approved to be automatically available without authentication.

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

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

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

105. Checking authentication is Present an indication that requires authentication, Receiving authentication information, The transaction is to proceed in accordance with the determination that the aforementioned authentication information matches the registered authentication information that is deemed valid for approving the transaction. The method according to any one of claims 100 to 104, including the following:

106. Proceeding with the aforementioned transaction means The method according to claim 105, comprising transmitting information corresponding to the first account.

107. Proceeding with the aforementioned transaction means The method according to claim 105, further comprising transmitting information corresponding to a second account different from the first account.

108. In accordance with the determination that the wireless signal corresponds to the first type of request, The method according to any one of claims 100 to 107, further comprising refraining from presenting any indication that requires authentication.

109. The first account is one of a plurality of transit accounts stored by the account information application, the account information application stores one or more additional accounts that are not transit accounts, and the method is Before detecting the radio signal by one or more of the aforementioned short-range communication radios, Receiving user input to select the first account as an account to be made 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, the system specifies that the first account should be made available for use without checking authentication, The method according to any one of claims 100 to 108, further comprising:

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

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

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

113. The method according to 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. The method according to 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. The method according to 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 path information for the first account.

116. The first account is a stored value account, the information corresponding to the first account includes the account number of the first account, and the method is One or more short-range radio devices detect a second radio signal containing a request for the value of an asset. In accordance with the determination that the second wireless signal corresponds to the first type of request, the assets from the first account are transmitted without checking authentication. The method according to any one of claims 100 to 111, further comprising:

117. The information corresponding to the first account includes the account number of the first account, and the method is One or more short-range radio devices detect a second radio signal containing a request for the value of an asset. In accordance with the determination that the second radio signal corresponds to the first type of request, In accordance with the determination that the requested amount of the aforementioned assets does not exceed the pre-approved transaction amount, the assets from the first account are sent without checking authentication. In accordance with the determination that the requested amount of the aforementioned assets exceeds the previously approved transaction amount, To generate feedback indicating that the requested amount for the aforementioned asset does not correspond to the expected cost, In order to proceed with the aforementioned transaction, we will check the authentication, The method according to any one of claims 100 to 111.

118. In accordance with the determination that the second radio signal corresponds to the first type of request, In accordance with the determination that the requested amount of the aforementioned assets exceeds the previously approved transaction amount, Receiving the second set of authentication information, The transaction is to proceed in accordance with the determination that the second authentication information matches the registered authentication information that is valid for approving the transaction. The transaction will be suspended if it is determined that the second authentication information does not match the registered authentication information that is valid for approving the transaction. The method according to claim 117, further comprising:

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

120. The method according to any one of claims 100 to 119, wherein the determination that the radio signal corresponds to the first type of request includes the determination that a set of one or more contextual conditions is met, the first of the one or more contextual conditions being met when the content of the radio signal includes a predetermined value.

121. The method according to any one of claims 100 to 120, wherein the determination that the radio signal corresponds to a first type of request includes the determination that a set of one or more contextual conditions is met, the second contextual condition of the one or more contextual conditions being met when the physical position of the electronic device corresponding to the time when the radio signal was detected by the electronic device corresponds to a predetermined position.

122. The method according to any one of claims 100 to 121, wherein the determination that the radio signal corresponds to the first type of request includes the determination that a set of one or more contextual conditions is met, the third contextual condition of the one or more contextual conditions being met when the electronic device is within range of one or more radio signals different from the radio signal.

123. The method according to any one of claims 100 to 122, wherein the determination that the radio signal corresponds to the first type of request includes the determination that one or more set of contextual conditions are met, the fourth of the one or more contextual conditions being met when the radio signal includes a request for an amount of assets not exceeding an asset threshold.

124. The method according to any one of claims 100 to 123, wherein the determination that the wireless signal corresponds to the first type of request includes the determination that a set of one or more unlocking conditions has been met, the first unlocking condition of the set of one or more unlocking conditions being met when the electronic device was unlocked within a prior time.

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

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

127. A 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 radios and an account information application including a first account, wherein the one or more programs include instructions for performing the method according to any one of claims 100 to 126.

128. One or more short-range radio transceivers, An account information application including the first account, One or more processors, A memory that stores one or more programs configured to be executed by one or more processors, An electronic device comprising, wherein one or more programs include instructions for performing the method according to any one of claims 100 to 126.

129. One or more short-range radio transceivers, An account information application including the first account, Means for carrying out the method described in any one of claims 100 to 126, An electronic device equipped with the following features.

130. A non-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 wireless communication devices and an account information application including a first account, wherein the one or more programs are The radio signal is detected by one or more of the aforementioned short-range communication radio devices. In accordance with the determination that the wireless signal corresponds to a first type of request, information corresponding to the first account is transmitted without checking authentication. In accordance with the determination that the radio signal corresponds to a second type of request, authentication is checked before proceeding with the transaction corresponding to the radio signal. A non-temporary computer-readable storage medium containing instructions.

131. One or more short-range radio transceivers, An account information application including the first account, One or more processors, Memory containing one or more programs configured to run by one or more processors, The program comprises one or more programs, The radio signal is detected by one or more of the aforementioned short-range communication radio devices. In accordance with the determination that the wireless signal corresponds to a first type of request, information corresponding to the first account is transmitted without checking authentication. In accordance with the determination that the radio signal corresponds to a second type of request, authentication is checked before proceeding with the transaction corresponding to the radio signal. An electronic device that includes instructions.

132. One or more short-range radio transceivers, An account information application including the first account, The means for detecting a radio signal using one or more short-range radio transceivers, A means for transmitting information corresponding to the first account without checking authentication, in accordance with the determination that the wireless signal corresponds to a first type of request, A means for checking authentication before proceeding with a transaction corresponding to the radio signal, based on the determination that the radio signal corresponds to a second type of request, An electronic device equipped with the following features.

133. In an electronic device having a display and one or more input devices, The display shows representations of a plurality of devices associated with a user account, wherein the representations of the plurality of devices include a first representation of a first device and a second representation of a second device, the first device is associated with a trading account, and the second device is not associated with a trading account. The selection corresponding to the displayed representation of the second device is received via one or more input devices, Upon receiving the selection corresponding to the displayed representation of the second device, Associating the aforementioned trading account with the aforementioned second device, To unlock the association of the aforementioned trading account from the first device, A method that includes this.

134. The method according to claim 133, wherein the first device is the electronic device that associates the trading account with the second device and unlocks the association from the first device.

135. The method according to claim 133, wherein the second device is the electronic device that associates the trading account with the second device and unlocks the association from the first device.

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

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

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

139. The aforementioned trading account is a stored value account, Before displaying the representation of the multiple devices, the representation of the account is displayed simultaneously with the activatable additional-value options and the activatable transfer-account options. Receiving the activation of the aforementioned transfer-account option, It further includes, The method according to any one of claims 133 to 138, wherein displaying the representations of the plurality of devices associated with the user account corresponds to receiving the activation of the transfer-account option.

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

141. The aforementioned electronic device is the second device, Receiving user input designating a third device of the aforementioned plurality of devices as a device that the trading account makes available for use, Following the association of the trading account with the second device, and following the unlocking of the trading account from the first device, Receiving a request for payment authentication information for the aforementioned trading account from a third device different from the aforementioned electronic device, The third device transmits payment authentication information for the trading account from the second device to the third device in accordance with the determination that the trading account has designated the third device as a device available for use. The method according to any one of claims 133 to 140, further comprising:

142. According to the determination that the time condition has been met, The transaction account is to be unlocked from the second device, Associating the aforementioned trading account with the aforementioned first device, The method according to any one of claims 133 to 141, further comprising:

143. The method according to 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 on the second device.

144. The method according to any one of claims 133 to 143, wherein associating the trading account with the second device includes restricting the trading account on the second device to require prior authorization from the first device for each proposed payment to be made on the second device.

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

146. The method according to any one of claims 133 to 145, wherein the representation of the plurality of devices associated with the user account includes a representation of a device that logs into the service using each user account associated with the user account from which the electronic device logs into the service.

147. Following the association of the trading account with the second device, and following the unlocking of the trading account from the first device, The display shows representations of the multiple devices, wherein the first device is not associated with the trading account, and the second device is associated with the trading account. Receiving each selection corresponding to the first device via one or more input devices, Upon receiving the respective selections corresponding to the first device, The transaction account is to be unlocked from the second device, Associating the aforementioned trading account with the aforementioned first device, The method according to 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, wherein the one or more programs include instructions for performing the method according to any one of claims 133 to 147.

149. The display and One or more input devices, One or more processors, A memory that stores one or more programs configured to be executed by one or more processors, An electronic device comprising, wherein one or more programs include instructions for performing the method according to any one of claims 133 to 147.

150. The display and One or more input devices, Means for carrying out the method described in any one of claims 133 to 147, An electronic device equipped with the following features.

151. A non-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, wherein the one or more programs are On the display, a representation of a plurality of devices associated with a user account is displayed, wherein the representation of the plurality of devices includes 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 being not associated with a trading account. The selection corresponding to the displayed representation of the second device is received via one or more input devices. Upon receiving the selection corresponding to the displayed representation of the second device, The trading account is associated with the second device. The transaction account is unlocked from the first device. A non-temporary computer-readable storage medium containing instructions.

152. The display and One or more input devices, One or more processors, A memory that stores one or more programs configured to be executed by one or more processors, The program comprises one or more programs, On the display, a representation of a plurality of devices associated with a user account is displayed, wherein the representation of the plurality of devices includes 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 being not associated with a trading account. The selection corresponding to the displayed representation of the second device is received via one or more input devices. Upon receiving the selection corresponding to the displayed representation of the second device, The trading account is associated with the second device. The transaction account is unlocked from the first device. An electronic device that includes instructions.

153. The display and One or more input devices, Means for displaying representations of a plurality of devices associated with a user account on the display, wherein the representations of the plurality of devices include 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 being not associated with a trading account, means for receiving a selection corresponding to the displayed representation of the second device via one or more input devices, Upon receiving the selection corresponding to the displayed representation of the second device, The trading account is associated with the second device. Means for unlocking the associated trading account from the first device, An electronic device equipped with the following features.

154. In an electronic device having an electronic wallet application, To detect when one or more payment criteria have been met for making a payment using a stored value account, In response to the detection that one or more payment criteria for making the payment using the stored value account have been met, and in accordance with the determination that the payment authentication information for the stored value account is not available in the electronic wallet application of the electronic device, the payment authentication information for the stored value account is requested from a second device different from the electronic device. Following the request for the payment authentication information for the stored value account from the second device, the electronic device receives the payment authentication information for the stored value account from the second device when the payment authentication information for the stored value account is available on the second device, A method that includes this.

155. The method according to claim 154, wherein the payment authentication information for the stored value account is received by the electronic device from the second device using device-to-device communication via a short-range wireless network.

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

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

158. The method according to any one of claims 154 to 157, wherein the 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. The method according to any one of claims 154 to 158, wherein the fourth payment criterion of the set of one or more payment criteria is satisfied when the electronic device detects the activation of an option corresponding to the stored value account.

160. The method according to any one of claims 154 to 159, wherein the 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 available on the electronic device.

161. The method according to any one of claims 154 to 160, wherein the stored value account is a first type of 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 of account.

162. The method according to 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. The method according to any one of claims 154 to 162, further comprising detecting that one or more sets of payment criteria for making the payment using the stored value account have been met, and determining that payment authentication information for the stored value account is available in the electronic wallet application of the electronic device, and proceeding with the payment using the stored value account.

164. In response to detecting that one or more of the set of payment criteria for making the payment using the stored value account have been met, and in accordance with the determination that the payment authentication information for the stored value account is not available in the electronic wallet application of the electronic device, and in accordance with not receiving the payment authentication information for the stored value account, To refrain from proceeding with the aforementioned payment using the aforementioned stored value account, To provide the user with a notice indicating that the stored value account is not available for use in the payment, The method according to any one of claims 154 to 163, further comprising:

165. Following the electronic device receiving the payment authentication information for the stored value account from the second device, Transferring assets from the stored value account to the trading terminal in order to make the aforementioned payment, In response to the transfer of assets from the stored value account to the trading terminal, the payment authentication information for the stored value account is transmitted from the electronic device to the second device, The method according to any one of claims 154 to 164, including the method described in any one of claims 154 to 164.

166. Following the electronic device receiving the payment authentication information for the stored value account from the second device, Transferring assets from the stored value account to the trading terminal in order to make the aforementioned payment, In response to the transfer of assets from the stored value account to the trading terminal, the transmission of payment authentication information for the stored value account from the electronic device to the second device is suspended, The method according to any one of claims 154 to 164, including the method described in any one of claims 154 to 164.

167. Following the electronic device receiving the payment authentication information for the stored value account from the second device, Receiving a request for payment authentication information for the stored value account from the second device, Upon receiving the request for payment authentication information for the stored value account, the electronic device transmits the payment authentication information for the stored value account to the second device. The method according to any one of claims 154 to 164, including the method described in any one of claims 154 to 164.

168. Following the electronic device receiving the payment authentication information for the stored value account from the second device, This involves determining whether predetermined scheduled event conditions are met, In accordance with the determination that the predetermined scheduled event conditions are met, the payment authentication information for the stored value account is transmitted from the electronic device to the second device. The method according to any one of claims 154 to 164, including the method described in any one of claims 154 to 164.

169. The method according to any one of claims 154 to 168, 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 the transaction terminal.

170. The method according to 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 the transaction terminal.

171. Following the electronic device receiving the payment authentication information for the stored value account from the second device, To present an indication requesting authentication to make a payment using the payment authentication information of the aforementioned stored value account, Receiving authentication information, In accordance with the determination that the aforementioned authentication information matches the registered authentication information that is valid for approving the transaction, the assets are transferred from the stored value account to the trading terminal in order to make the payment. The method according to any one of claims 154 to 170, including the method described in any one of claims 154 to 170.

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

173. Electronic wallet applications and One or more processors, A memory that stores one or more programs configured to be executed by one or more processors, An electronic device comprising, wherein one or more programs include instructions for performing the method according to any one of claims 154 to 171.

174. Electronic wallet applications and Means for carrying out the method described in any one of claims 154 to 171, An electronic device equipped with the following features.

175. A non-temporary computer-readable storage medium storing one or more programs configured to be executed by one or more processors of an electronic device having an electronic wallet application, wherein the one or more programs are It detects when one or more payment criteria are met for making a payment using a stored value account. Upon detecting that one or more of the payment criteria for making the payment using the stored value account have been met, and in accordance with the determination that the payment authentication information for the stored value account is not available in the electronic wallet application of the electronic device, the payment authentication information for the stored value account is requested from a second device different from the electronic device. Following the request for the payment authentication information for the stored value account from the second device, the electronic device receives the payment authentication information for the stored value account from the second device when the payment authentication information for the stored value account is available on the second device. A non-temporary computer-readable storage medium containing instructions.

176. Electronic wallet applications and One or more processors, A memory that stores one or more programs configured to be executed by one or more processors, The program comprises one or more programs, It detects when one or more payment criteria are met for making a payment using a stored value account. Upon detecting that one or more of the payment criteria for making the payment using the stored value account have been met, and in accordance with the determination that the payment authentication information for the stored value account is not available in the electronic wallet application of the electronic device, the payment authentication information for the stored value account is requested from a second device different from the electronic device. Following the request for the payment authentication information for the stored value account from the second device, the electronic device receives the payment authentication information for the stored value account from the second device when the payment authentication information for the stored value account is available on the second device. An electronic device that includes instructions.

177. Electronic wallet applications and A means for detecting that one or more payment criteria have been met for making a payment using a stored value account, In response to the detection that one or more sets of payment criteria for making the payment using the stored value account have been met, and in accordance with the determination that the payment authentication information for the stored value account is not available in the electronic wallet application of the electronic device, means for requesting the payment authentication information for the stored value account from a second device different from the electronic device, Following the request for the payment authentication information for the stored value account from the second device, the electronic device has means for receiving the payment authentication information for the stored value account from the second device when the payment authentication information for the stored value account is available on the second device. An electronic device equipped with the following features.

178. One or more input device units, One or more short-range radio units, A processing unit coupled to one or more input device units and one or more short-range communication radio units, The processing unit is equipped with, One or more short-range communication radio units receive a card, the card having a stored value, and the card account number of the card. Request verification information to verify ownership of the aforementioned card, The electronic device receives input from the user of the card, including verification information for verifying ownership of the card, via one or more input device units. The ownership of the card is verified by comparing the verification information with separate information about the card that is received separately from the verification information. In accordance with the determination that the verification of ownership was successful, Generate a prompt to perform a value transfer operation for the transfer of value, Along with the value transfer operation, at least some of the stored values ​​are transferred from the card to a virtual card stored in the electronic device. An electronic device configured in such a way.

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

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

181. The aforementioned processing unit is In accordance with the determination that the transfer of the aforementioned value was unsuccessful, The electronic device according to any one of claims 178 to 180, further configured to generate a second prompt for performing a value transfer operation for the transfer of the value.

182. The aforementioned processing unit is In accordance with the determination that the verification of ownership was unsuccessful, The electronic device according to any one of claims 178 to 181, further configured to generate feedback indicating that the verification of ownership was unsuccessful.

183. In accordance with the determination that the aforementioned card is registered, Requesting verification information to verify ownership of the card includes requesting information not shown on the card, In accordance with the determination that the aforementioned card is not registered, The electronic device according to any one of claims 178 to 182, wherein requesting verification information for verifying ownership of the card includes requesting information displayed on the card.

184. The aforementioned processing unit is In accordance with the determination that the card is not registered, and before verifying ownership of the card, As part of requesting verification information to verify ownership of the card, the account number provided by the user of the card is requested. As part of receiving input from the user of the electronic device, which includes verification information for verifying ownership of the card, the account number provided by the user of the card is received. As part of verifying ownership of the card by comparing the aforementioned verification information with other information, the account number provided by the user is compared with the card account number. The electronic device according to any one of claims 178 to 183, further configured such that the separate information includes the received card account number of the card.

185. The electronic device according to 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, which includes verification information for verifying ownership of the card, via the one or more input device units.

186. The aforementioned processing unit is In accordance with the determination that the aforementioned card is registered, The card account number of the aforementioned card is transmitted, Upon receiving the aforementioned separate information, An electronic device according to any one of claims 178 to 185, further configured as follows.

187. The aforementioned processing unit is The electronic device according to any one of claims 178 to 186, further configured to refrain from receiving an account number provided by the user of the card.

188. The aforementioned electronic device includes a display unit, and the processing unit is Following the transfer of at least some of the stored values ​​from the card to the virtual card stored in the electronic device, The electronic device according to any one of claims 178 to 187, further configured on the display unit to enable the display of transit plan information for the virtual card, wherein the transit plan information is based on at least some of the transferred stored values.

189. The aforementioned electronic device includes a display unit, and the processing unit is Following the transfer of at least some of the stored values ​​from the card to the virtual card stored in the electronic device, The electronic device according to any one of claims 178 to 188, further configured to enable the display of one or more of the following on the display unit: the balance of the virtual card, the username of an account registered with the virtual card, and transit plan information for the virtual card.

190. Transferring at least some of the stored values ​​from the card to the virtual card stored in the electronic device is: Removing the stored value from the card, Sending a request to the server to deactivate the aforementioned card, An electronic device according to any one of claims 178 to 189, including the electronic device according to any one of claims 178 to 189.

191. The aforementioned processing unit is In accordance with the determination that the electronic device does not have another linked transit account, the virtual card account is designated to be available for use without checking authentication. In accordance with the determination that the electronic device has one or more other linked transit accounts, the designation to make the virtual card's accounts available for use without checking authentication will be withheld. An electronic device according to any one of claims 178 to 190, further configured as follows.

192. The aforementioned processing unit is In accordance with the determination that the electronic device does not have another linked transit account, The electronic device according to any one of claims 178 to 191, further configured to refrain from designating the virtual card's account for use without checking authentication, in response to receiving user input indicating a request not to make the account available for use without checking authentication.

193. The aforementioned processing unit is We receive user input indicating a request not to make the account available for use without checking authentication. In response to receiving user input indicating the request not to make the account available for use without checking authentication, specify that the virtual card account should not be made available for use without checking authentication. An electronic device according to any one of claims 178 to 192, further configured as follows.

194. The aforementioned processing unit is It receives user input to select an account to make available for use without checking authentication. In response to receiving user input selecting the account to be made available for use without checking authentication, the selected account is designated to be made available for use without checking authentication. An electronic device according to any one of claims 178 to 193, further configured as follows.

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

196. The aforementioned electronic device includes a display unit, and the processing unit is Following the transfer of at least some of the stored values ​​from the card to the virtual card stored in the electronic device, The electronic device according to any one of claims 178 to 195, further configured to enable the display of the stored value of the virtual card on the display unit.

197. Display unit and One or more input device units, One or more short-range radio units, The display unit, the one or more short-range communication radio units, and the processing unit coupled to the one or more input device units, The processing unit is equipped with, A stored value card, wherein the stored value card has a stored value and requests verification information to verify ownership of the stored value card, The electronic device receives input from a user of the electronic device, which includes verification information for verifying ownership of the card via one or more input device units, wherein the verification information includes information not shown on the card. On the display unit of the electronic device, enable the display of a prompt to place the electronic device within the communication range of the stored value card. The one or more short-range wireless communication units receive identification information from the stored value card, The ownership of the stored value card is verified by comparing the verification information with the identification information. In accordance with the determination that the verification of ownership was successful, Transfer at least some of the stored value from the stored value card to a virtual card stored in the electronic device. An electronic device configured in such a way.

198. The aforementioned processing unit is In accordance with the determination that the verification of ownership was unsuccessful, Generate feedback indicating that the ownership verification was unsuccessful. Requesting verification information to verify ownership of the aforementioned stored value card, The electronic device according to 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 in the electronic device is: The stored value is removed from the stored value card, Sending a request to the server to deactivate the aforementioned stored value card, The electronic device according to claim 197 or 198, including the electronic device according to claim 197 or 198.

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

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

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

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

204. The electronic device according to 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, which includes verification information for verifying ownership of the card, via the one or more input device units.

205. The aforementioned processing unit is Following the transfer of at least some of the stored value from the stored value card to the virtual card stored in the electronic device, The electronic device according to any one of claims 197 to 204, further configured to enable the display of the stored value of the virtual card on the display unit.

206. The aforementioned processing unit is Following the transfer of at least some of the stored value from the stored value card to the virtual card stored in the electronic device, The electronic device according to any one of claims 197 to 205, further configured to enable the display of transit plan information for the virtual card, wherein the transit plan information is based on at least some of the transferred stored values.

207. The aforementioned processing unit is Following the transfer of at least some of the stored value from the stored value card to the virtual card stored in the electronic device, The electronic device according to any one of claims 197 to 206, further configured to enable the display of one or more of the balance of the virtual card, the username of an account registered with the virtual card, and transit plan information of the virtual card.

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

209. The aforementioned processing unit is In accordance with the determination that the electronic device does not have another linked transit account, the virtual card account is designated to be available for use without checking authentication. In accordance with the determination that the electronic device has one or more other linked transit accounts, the designation to make the virtual card's accounts available for use without checking authentication will be withheld. An electronic device according to any one of claims 197 to 208, further configured as follows.

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

211. The aforementioned processing unit is We receive user input indicating a request not to make the account available for use without checking authentication. In response to receiving user input indicating the request not to make the account available for use without checking authentication, specify that the virtual card account should not be made available for use without checking authentication. An electronic device according to any one of claims 197 to 210, further configured as follows.

212. The aforementioned processing unit is It receives user input to select an account to make available for use without checking authentication. In response to receiving user input selecting the account to be made available for use without checking authentication, the selected account is designated to be made available for use without checking authentication. An electronic device according to any one of claims 197 to 211, further configured as follows.

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

214. Display unit and 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 is equipped with, On the display unit, a stored value account including an activatable additional-value option, wherein the electronic device enables the display of a representation of the stored value account having an electronic wallet application including the stored value account and a payment account. While enabling the display of the stored value account, the activation of the additional-value option is detected via one or more input device units. The activation of a deposit-account option for adding value to the stored value account using the payment account of the electronic wallet application is detected via one or more input device units. While enabling the display of a proposed transaction to add assets from the payment account to the stored value account, authentication information is received on the electronic device. Upon receiving the aforementioned authentication information, and in accordance with the determination that the aforementioned authentication information matches the registered authentication information for executing a payment transaction using the payment account, the value is added to the stored value account using the payment account. An electronic device configured in such a way.

215. The aforementioned processing unit is The electronic device according to 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 the determination that the authentication information does not match the registered authentication information for executing a payment transaction using the payment account.

216. The aforementioned processing unit is The electronic device according to claim 214 or 215, further configured to generate a prompt that generates authorization to add value from the payment account to the stored value account before receiving the authentication information.

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

218. The aforementioned processing unit is The electronic device according to 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 aforementioned processing unit is The electronic device according to any one of claims 214 to 218, further configured to enable the display of a representation of a second payment account, which does not include an activatable additional-value option, on the display unit.

220. The aforementioned processing unit is A user interface on the display unit for user input to add value to the stored value account using the payment account, wherein the user interface for user input to add value is Virtual numeric keypad and, One or more proposed amounts, The current balance of the aforementioned stored value account and, Simultaneously, enable the display of a user interface for user input, The virtual numeric keypad receives an input of an amount to add value to the stored value account using the payment account, In response to receiving the aforementioned input on the virtual numeric keypad, the display of one or more suggested amounts on the virtual numeric keypad is updated based on the received input. The electronic device according to any one of claims 214 to 219, further configured as follows.

221. The received input in the virtual numeric keypad corresponds to an amount exceeding the maximum allowable amount for adding value to the stored value account using the payment account, The electronic device according to claim 220, wherein updating the display of one or more proposed amounts based on the received input in the virtual numeric keypad includes updating the display of one of the one or more proposed amounts to reflect the largest acceptable amount.

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

224. The user interface for user input to add value to the stored value account using the payment account further simultaneously includes a graphical representation of the card corresponding to the stored value account, The received input in the virtual numeric keypad corresponds to an amount exceeding the maximum allowable amount for adding value to the stored value account using the payment account, The aforementioned processing unit is The electronic device according to 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 over a period of time in response to the reception of the aforementioned input on the virtual numeric keypad.

225. The aforementioned processing unit is The user input of the selected amount is received in order to add the value to the aforementioned stored value account. Upon receiving the user input of the selected amount, the display unit enables the display of a user interface requesting authentication. The electronic device according to any one of claims 214 to 224, further configured as follows.

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

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

228. The electronic device according to 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 aforementioned processing unit is The system detects that the current balance of the stored value account falls below the minimum balance notification level. Upon detecting that the current balance of the stored value account falls below the minimum balance notification level, a notification is generated that the current balance of the stored value account falls below the minimum balance notification level. An electronic device according to any one of claims 214 to 228, further configured as follows.

230. The aforementioned processing unit is Upon receiving user input to activate the aforementioned notification, Upon receiving the user input that activates the notification, the display unit enables the display of the user interface for user input to add value to the stored value account using the payment account. The electronic device according to claim 229, further configured as follows.

231. The aforementioned stored value account is a transit account, The aforementioned expression for the stored value account is, The transit plan indication associated with the aforementioned transit account, Indication of the effective date of the aforementioned transit plan, An electronic device according to any one of claims 214 to 226 and 228 to 230, including the electronic device according to any one of claims 214 to 226 and 228 to 230.

232. The stored value account is a transit account, and the processing unit is The display unit is further configured to enable the display of a user interface for depositing funds into the transit account using the payment account, and the user interface for depositing funds into the transit account is One or more proposed amounts, The start and end dates of the recommended transit plan, An electronic device according to any one of claims 214 to 226 and 228 to 231, which simultaneously includes the following.

233. The stored value account is a transit account, and the processing unit is The electronic device according to any one of claims 214 to 226 and 228 to 232, further configured to generate a notice 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 is Detect proximity to transit stations, Determine the expected destination based on one or more contextual factors. In accordance with the determination that the stored value account does not have sufficient funds to travel from the transit station to the expected destination, a notice is generated stating that the stored value account does not have sufficient funds to travel from the transit station to the expected destination. It is further structured in the following way: The electronic device according to 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 additional-value option is in response to detecting the activation of the notification that the stored value account does not have sufficient assets.

235. Display unit and One or more short-range radio units, An electronic wallet application unit including a stored value account, The display unit, the one or more short-range communication radio units, and the processing unit coupled to the electronic wallet application unit including a stored value account, The processing unit is equipped with, On the display unit, enable the display of the available credits for the stored value account, Using one or more of the aforementioned short-range wireless communication units, the authentication information of the stored value account is transferred to a contactless transaction terminal separate from the electronic device. Based on a transaction with the contactless transaction terminal performed using the authentication information of the stored value account transferred to the contactless transaction terminal using one or more short-range wireless communication units, the display of the indication for the available credit is replaced with the display of the indication for the transaction corresponding to the transfer of the authentication information to the contactless transaction terminal. An electronic device configured in such a way.

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

237. Enabling the display of the indication of the available credits for the stored value account on the display unit is: This includes enabling the display of the indication of the available credits of the stored value account at a first position on the display unit, Replacing the indication of available credits with the indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal is: The display of the available credits indication is enabled at a second position on the display unit, wherein the second position is different from the first position. To enable the display of the indication for the transaction corresponding to the transfer of authentication information to the contactless transaction terminal at the first position on the display unit, The electronic device according to claim 235 or 236, including the electronic device according to claim 235 or 236.

238. Replacing the indication of available credits with the indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal is: On the display unit, the indication of the available credits is slid in a first direction from a first position to a second position different from the first position, The indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal is slid on the display unit in the first direction, An electronic device according to any one of claims 235 to 237, which simultaneously includes the following.

239. The aforementioned processing unit is In response to the transfer of the authentication information of the stored value account to the contactless transaction terminal, the display unit displays: The indication of the available credits, The indication of the transaction corresponding to the transfer of authentication information to the contactless transaction terminal, An indication that the transfer of the authentication information of the stored value account to the contactless transaction terminal has been completed, The electronic device according to any one of claims 235 to 238, further configured to simultaneously enable the display of the following.

240. The electronic device according to any one of claims 235 to 239, wherein the determination that the transaction was executed using the authentication information of the stored value account includes detecting that the available credit of the stored value account has been changed.

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

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

244. The aforementioned processing unit is Before transferring the authentication information of the stored value account to the contactless transaction terminal using one or more of the short-range wireless communication units, and before replacing the display of the indication for the available credit with the display of the indication for the transaction corresponding to the transfer of the authentication information, An indication is presented requesting authentication to transfer the authentication information of the stored value account to the contactless transaction terminal. Receive authentication information It is further structured in the following way: The electronic device according to any one of claims 235 to 243, wherein the transfer of authentication information of the stored value account to the contactless transaction terminal is subject to a determination that the authentication information matches registered authentication information which is valid for approving the transaction.

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

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

247. The electronic device according to claim 245 or 246, wherein the displayed transaction history includes one or more representations of ongoing transit trips, and the one or more representations of ongoing transit trips include 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 transaction history, and the processing unit, Following the activation of the display of the transaction history, including the indication of the transit trip in progress, at the top of the list of the history, the authentication information of the stored value account is transferred to a second contactless transaction terminal for non-transit transactions using one or more short-range radio units. Move the display of the indication for the ongoing transit trip in the list of the transaction history, and enable the display of the non-transit transaction indication in the position previously occupied by the indication for the ongoing transit trip. Using one or more short-range wireless communication units, the authentication information of the stored value account is transferred to a third contactless transaction terminal for the transit trip in progress in order to terminate the trip. In response to the transfer of the authentication information of the stored value account to the third contactless transaction terminal for the transit trip in progress, To move the display of the indicator for the non-transiting transaction to the top of the list of the transaction history, The electronic device according to claim 247, further configured as follows.

249. The aforementioned processing unit is Received a request to display the device status user interface, In response to receiving the request to display the device status user interface, enable the display of the device status user interface. It is further configured such that enabling the display of the device status user interface is In accordance with the determination that the device is using the stored value account for the ongoing transit trip, the display of information regarding the use of the transit account for the ongoing transit trip is enabled in the device status user interface. In accordance with the determination that the device is not using the stored value account for an ongoing transit trip, the display of the device status user interface is enabled without displaying information about the transit account for the transit trip. An electronic device according to any one of claims 235 to 248, including the electronic device according to any one of claims 235 to 248.

250. The aforementioned processing unit is While using the stored value account for an ongoing transit trip, the authentication information of the stored value account has been transferred to the contactless transaction terminal, the stored value account is being used in the transit system, and the electronic device is locked. The electronic device according to any one of claims 235 to 248, further configured to enable the display of the stored value account indication on the lock screen of the display unit.

251. The aforementioned processing unit is The activation of the indicator in the stored value account is detected, Upon detecting the activation of the indication for the stored value account, enable the display of a card details view for the stored value account, which includes information about recent transactions in which the stored value account was used. An electronic device according to any one of claims 248 to 250, further configured as follows.

252. The aforementioned processing unit is The activation of the indicator in the stored value account is detected, Upon detecting the activation of the indication for the stored value account, enable the display of the virtual boarding pass. The electronic device according to any one of claims 248 to 250, further configured such that the virtual boarding pass includes one or more details relating to the ongoing transit trip associated with the stored value account.

253. One or more short-range radio units, An account information application unit including the first account, A processing unit coupled to the account information application unit which includes one or more short-range communication units and a first account, The processing unit is equipped with, The one or more short-range communication radio units detect the radio signal, In accordance with the determination that the wireless signal corresponds to a first type of request, information corresponding to the first account is transmitted without checking authentication. In accordance with the determination that the radio signal corresponds to a second type of request, authentication is checked before proceeding with the transaction corresponding to the radio signal. An electronic device configured in such a way.

254. The first type of request described above is a type of request for which the transmission of account information has been pre-approved to be automatically available without authentication, The electronic device according to claim 253, wherein the second type of request is a type of request for which the transmission of account information has not been pre-approved to be automatically available without authentication.

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

256. The electronic device according to 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 by one or more short-range radio units without requiring user input following detection of the radio signal.

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

258. Checking authentication is Present an indication that requires authentication, Receiving authentication information, The transaction is to proceed in accordance with the determination that the aforementioned authentication information matches the registered authentication information that is deemed valid for approving the transaction. An electronic device according to any one of claims 253 to 257, including the electronic device described in any one of claims 253 to 257.

259. Proceeding with the aforementioned transaction means The electronic device according to claim 258, comprising transmitting information corresponding to the first account.

260. Proceeding with the aforementioned transaction means The electronic device according to claim 258, comprising transmitting information corresponding to a second account different from the first account.

261. The aforementioned processing unit is In accordance with the determination that the wireless signal corresponds to the first type of request, An electronic device according to 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, the account information application stores one or more additional accounts that are not transit accounts, and the processing unit, Before detecting the radio signal by one or more of the aforementioned short-range communication radio units, Without checking authentication, the system receives user input to select the first account as the account to be made available for use. Upon receiving user input selecting the first account as an account to be made available for use without checking authentication, the system specifies that the first account should be made available for use without checking authentication. The electronic device according to any one of claims 253 to 261, further configured as follows.

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

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

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

266. The electronic device according to 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. The electronic device according to 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. The electronic device according to 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 path information for the first account.

269. The first account is a stored value account, and the information corresponding to the first account includes the account number of the first account, and the processing unit is One or more short-range radio units detect a second radio signal containing a request for the value of an asset. In accordance with the determination that the second wireless signal corresponds to the first type of request, the assets from the first account are transmitted without checking authentication. The electronic device according to any one of claims 253 to 264, further configured as follows.

270. The information corresponding to the first account includes the account number of the first account, and the processing unit, One or more short-range radio units detect a second radio signal containing a request for the value of an asset. In accordance with the determination that the second radio signal corresponds to the first type of request, In accordance with the determination that the requested amount of the aforementioned assets does not exceed the pre-approved transaction amount, the assets from the first account are sent without checking authentication. In accordance with the determination that the requested amount of the aforementioned assets exceeds the previously approved transaction amount, Generate feedback indicating that the requested amount for the aforementioned asset does not correspond to the expected cost, To proceed with the aforementioned transaction, we will check the authentication. The electronic device according to any one of claims 253 to 264, further configured as follows.

271. The aforementioned processing unit is In accordance with the determination that the second radio signal corresponds to the first type of request, In accordance with the determination that the requested amount of the aforementioned assets exceeds the previously approved transaction amount, Upon receiving the second set of authentication credentials, In accordance with the determination that the second authentication information matches the registered authentication information that is valid for approving the transaction, the transaction proceeds. If it is determined that the second authentication information does not match the registered authentication information that is valid for approving the transaction, the transaction will not proceed. The electronic device according to claim 270, further configured as follows.

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

273. The electronic device according to any one of claims 253 to 272, wherein the determination that the radio signal corresponds to the first type of request includes the determination that a set of one or more contextual conditions is met, the first of the one or more contextual conditions being met when the content of the radio signal includes a predetermined value.

274. The determination that the radio signal corresponds to the first type of request includes the determination that one or more set of contextual conditions are met, the second contextual condition of the one or more contextual conditions being met when the physical position of the electronic device corresponding to the time when the radio signal was detected by the electronic device corresponds to a predetermined position, the electronic device according to any one of claims 253 to 273.

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

276. The electronic device according to any one of claims 253 to 275, wherein the determination that the radio signal corresponds to the first type of request includes the determination that one or more set of contextual conditions are met, the fourth of the one or more contextual conditions being met when the radio signal includes a request for an amount of assets not exceeding an asset threshold.

277. The determination that the radio signal corresponds to the first type of request includes the determination that one or more sets of unlocking conditions are met, the first unlocking condition of the set of one or more unlocking conditions being met when the electronic device was unlocked in a prior time, according to any one of claims 253 to 276.

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

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

280. Display unit and 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 is equipped with, On the display unit, the display is enabled for representations of a plurality of devices associated with a user account, wherein the representations of the plurality of devices include 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 being not associated with a trading account. The selection corresponding to the displayed representation of the second device is received via one or more input device units. Upon receiving the selection corresponding to the displayed representation of the second device, The trading account is associated with the second device. The transaction account is unlocked from the first device. An electronic device configured in such a way.

281. The electronic device according to claim 280, wherein the first device is the electronic device that associates the trading account with the second device and unlocks the association from the first device.

282. The electronic device according to claim 280, wherein the second device is the electronic device that associates the trading account with the second device and unlocks the association from the first device.

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

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

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

286. The aforementioned trading account is a stored value account, and the aforementioned processing unit is Before enabling the display of the representation on the multiple devices, simultaneously enable the display of the representation of the account along with the activatable additional-value option and the activatable transfer-account option. Upon receiving the activation of the aforementioned transfer-account option, It is further structured in the following way: The electronic device according to any one of claims 280 to 285, wherein enabling the display of the representation on the plurality of devices associated with the user account is in response to receiving the activation of the transfer-account option.

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

288. The aforementioned electronic device is a second device, and the processing unit is The system receives 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 associated with the second device, and following the association of the trading account with the first device, A request for payment authentication information for the aforementioned trading account is received from a third device different from the aforementioned electronic device, In accordance with the determination that the third device is designated as a device that the trading account makes available for use, the payment authentication information for the trading account is transmitted from the second device to the third device. An electronic device according to any one of claims 280 to 287, further configured as follows.

289. The aforementioned processing unit is According to the determination that the time condition has been met, The transaction account is associated with and unlocked from the second device. Associate the aforementioned trading account with the first device. An electronic device according to any one of claims 280 to 288, further configured as follows.

290. The electronic device according to 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 on the second device.

291. The electronic device according to any one of claims 280 to 290, wherein associating the trading account with the second device includes restricting the trading account on the second device to require prior authorization from the first device for each proposed payment to be made on the second device.

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

293. The electronic device according to any one of claims 280 to 292, wherein the representation of the plurality of devices associated with the user account includes a representation of a device that logs into the service using each user account associated with the user account to which the electronic device logs into the service.

294. The aforementioned processing unit is Following the association of the trading account with the second device, and following the unlocking of the trading account from the first device, On the display unit, enable the display of representations of the plurality of devices, wherein the first device is not associated with the trading account, and the second device is associated with the trading account. The system receives each selection corresponding to the first device via one or more input device units. Upon receiving the respective selections corresponding to the first device, The transaction account is associated with and unlocked from the second device. Associate the aforementioned trading account with the first device. An electronic device according to any one of claims 280 to 293, further configured as follows.

295. Electronic wallet application unit and Processing unit and The processing unit is equipped with, It detects when one or more payment criteria are met for making a payment using a stored value account. Upon detecting that one or more of the payment criteria for making the payment using the stored value account have been met, and in accordance with the determination that the payment authentication information for the stored value account is not available in the electronic wallet application of the electronic device, the payment authentication information for the stored value account is requested from a second device different from the electronic device. Following the request for the payment authentication information for the stored value account from the second device, the electronic device receives the payment authentication information for the stored value account from the second device when the payment authentication information for the stored value account is available on the second device. An electronic device configured in such a way.

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

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

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

299. The electronic device according to any one of claims 295 to 298, wherein the 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. The electronic device according to any one of claims 295 to 299, wherein the fourth payment criterion of the set of one or more payment criteria is satisfied when the electronic device detects the activation of an option corresponding to the stored value account.

301. The electronic device according to any one of claims 295 to 300, wherein the 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 available on the electronic device.

302. The electronic device according to any one of claims 295 to 301, wherein the stored value account is a first type of 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 of account.

303. Requesting payment authentication information for the stored value account from the second device comprises sending a request to the second device, the request identifying the stored value account, according to any one of claims 295 to 302.

304. The aforementioned processing unit is The electronic device according to any one of claims 295 to 303, further configured to proceed with the payment using the stored value account in response to detection that one or more sets of payment criteria for making the payment using the stored value account have been met, and in accordance with a determination that payment authentication information for the stored value account is available in the electronic wallet application of the electronic device.

305. The aforementioned processing unit is In response to detecting that one or more of the set of payment criteria for making the payment using the stored value account have been met, and in accordance with the determination that the payment authentication information for the stored value account is not available in the electronic wallet application of the electronic device, and in accordance with not receiving the payment authentication information for the stored value account, We will refrain from proceeding with the payment using the aforementioned stored value account. The user is given a notice indicating that the stored value account is not available for use in the payment. An electronic device according to any one of claims 295 to 304, further configured as follows.

306. The aforementioned processing unit is Following the electronic device receiving the payment authentication information for the stored value account from the second device, To make the aforementioned payment, the assets are transferred from the stored value account to the trading terminal. In response to the transfer of assets from the stored value account to the trading terminal, the payment authentication information for the stored value account is transmitted from the electronic device to the second device. An electronic device according to any one of claims 295 to 305, further configured as follows.

307. The aforementioned processing unit is Following the electronic device receiving the payment authentication information for the stored value account from the second device, To make the aforementioned payment, the assets are transferred from the stored value account to the trading terminal. In response to the transfer of assets from the stored value account to the trading terminal, the transmission of payment authentication information from the stored value account from the electronic device to the second device is suspended. An electronic device according to any one of claims 295 to 305, further configured as follows.

308. The aforementioned processing unit is Following the electronic device receiving the payment authentication information for the stored value account from the second device, The second device receives a request for payment authentication information for the stored value account, Upon receiving the request for payment authentication information for the stored value account, the electronic device transmits the payment authentication information for the stored value account to the second device. An electronic device according to any one of claims 295 to 305, further configured as follows.

309. Following the electronic device receiving the payment authentication information for the stored value account from the second device, This involves determining whether predetermined scheduled event conditions are met, In accordance with the determination that the predetermined scheduled event conditions are met, the payment authentication information for the stored value account is transmitted from the electronic device to the second device. An electronic device according to any one of claims 295 to 305, comprising:

310. The electronic device according to 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 the transaction terminal.

311. The electronic device according to 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 the transaction terminal.

312. The aforementioned processing unit is Following the electronic device receiving the payment authentication information for the stored value account from the second device, Using the payment authentication information of the aforementioned stored value account, an indication is presented requesting authentication to make a payment. Receive authentication information, In accordance with the determination that the aforementioned authentication information matches the registered authentication information that is valid for approving the transaction, the assets are transferred from the stored value account to the trading terminal in order to make the payment. An electronic device according to any one of claims 295 to 311, further configured as follows.

313. The method according to any one of claims 1 to 19, wherein the electronic device includes a secure element, and transferring at least some of the stored values ​​from the card to the virtual card stored in the electronic device includes storing information for accessing the stored values ​​of the virtual card in the secure element of the electronic device.

314. The method according to any one of claims 26 to 42, wherein 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 in the electronic device includes storing information in the secure element of the electronic device for accessing the stored value of the virtual card.

315. The method according to 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 information in the secure element of the electronic device for accessing the stored value in the stored value account.

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

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

318. The method according to 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 the value of the trading account in the secure element of the second device, and unlocking the trading account from the first device includes not causing the first device to store information for retrieving the value of the trading account in the secure element of the first device.

319. The electronic device includes a secure element, and the method is The method according to any one of claims 154 to 171, further comprising receiving the payment authentication information for the stored value account on the electronic device, and then storing information for accessing the value of the stored value account in the secure element of the electronic device.

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