Wearable Wallet UI for Loyalty and Private-Label Account Selection

Solution Overview

Problem

Existing methods for linking accounts to electronic devices for transactions are cumbersome and inefficient, requiring multiple key presses, wasting user time and device energy, particularly in battery-operated devices.

Innovation Solution

Implementing methods and interfaces on electronic devices with touch-sensitive surfaces and wireless communication elements for swift account selection and transaction participation, utilizing visual indicators and swipe inputs to streamline account linking and transmission processes.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If existing account selection methods are used, then account linking can be established, but the process requires multiple key presses and multiple steps, increasing operation time and energy consumption

Engineering Contradiction:

Improveaccount selection processVSAvoidtime for account selection

Core Design Contradiction:

Ease of operationVSLoss of time

Solution Approach 1:

The system pre-loads and displays visual indicators for multiple accounts simultaneously when the device is activated for payment, allowing the user to see all available accounts before making a selection. This eliminates the need for sequential navigation through account menus and reduces the number of interaction steps required.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The account selection interface is segmented into distinct visual indicators that can be independently tapped, with each indicator representing a specific account. This segmentation allows for rapid visual processing and direct selection, reducing cognitive load and interaction time compared to text-based or hierarchical account selection methods.

Inventive Principle:

Principle #1Segmentation

2Ease of operation

If existing account selection methods are used, then account linking can be established, but the process requires multiple key presses and multiple steps, increasing energy consumption

Engineering Contradiction:

Improveaccount selection processVSAvoiddevice energy consumption

Core Design Contradiction:

Ease of operationVSUse of energy by moving object

Solution Approach 1:

The system pre-loads and displays visual indicators for multiple accounts simultaneously when the device is activated for payment, allowing the user to see all available accounts before making a selection. This eliminates the need for sequential navigation through account menus and reduces the number of interaction steps required.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system allows direct tapping selection of accounts from the displayed visual indicators, skipping intermediate navigation steps, menu hierarchies, and confirmation sequences that would otherwise be required. This rushing through of the selection process minimizes the time the display and processor remain active, thereby reducing energy consumption.

Inventive Principle:

Principle #21Skipping (Rushing through)

3Ease of operation

If visual indicators for multiple accounts are displayed simultaneously, then account selection is simplified, but the display interface becomes more complex

Engineering Contradiction:

Improveaccount selection processVSAvoiduser interface complexity

Core Design Contradiction:

Ease of operationVSDevice complexity

Solution Approach 1:

Different visual indicators are distinguished by color variations, allowing users to quickly differentiate between accounts without requiring detailed visual inspection or cognitive processing. The use of color coding simplifies the perceived interface complexity while maintaining ease of operation.

Inventive Principle:

Principle #32Color changes

Solution Approach 2:

The account selection interface is segmented into distinct visual indicators that can be independently tapped, with each indicator representing a specific account. This segmentation allows for rapid visual processing and direct selection, reducing cognitive load and interaction time compared to text-based or hierarchical account selection methods.

Inventive Principle:

Principle #1Segmentation

Data Source

PatentEP4276783B1User interface for loyalty accounts and private label accounts for a wearable device

Publication Date: 2025.09.24 APPLE INC

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AI summary

The present disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using a wearable electronic device with an electronic wallet. Various accounts are linked to the electronic device. In some examples, the electronic device is NFC-enabled. The electronic device may be used to provide loyalty account information and payment account information to a payment terminal, such as an NFC-enabled payment terminal.