Facilitating transactions with a user account using a wireless device

Abstract

A wireless device can store account identifiers and facilitate transactions. The wireless device can be loaded with user account identifiers and can be presented to various checkpoint devices. When presented, the wireless device can transmit a selected account identifier to the checkpoint device. In the context of a purchase transaction, the checkpoint device can be a point-of-sale terminal and the account data can be financial account data. In some instances, the wireless device can also facilitate a purchase transaction, e.g., by obtaining information about products to be purchased, constructing a purchase order from the product information, and transmitting the purchase order to a point-of-sale terminal.

What is claimed is: 
     
         1 . A method of managing user account data performed by a wearable device in communication with a host device, the method comprising:
 determining, by the wearable device, whether the wearable device is in a trusted state, the trusted state comprising the wearable device being worn and the host device being within a threshold distance from the wearable device at a time correlated with a sign-in event;   in accordance with a determination that the wearable device is in the trusted state, establishing, by the wearable device, a verified communication session with the host device, the verified communication session being established while the wearable device is being worn and while the host device is within the threshold distance of the wearable device;   receiving, by the wearable device, user account data from the host device during the verified communication session;   storing, by the wearable device, the received user account data in a storage medium of the wearable device;   providing, by the wearable device, a subset of the stored user account data to a checkpoint terminal; and   in the event that the wearable device ceases to be worn, deleting, by the wearable device, the stored user account data from the storage medium.   
     
     
         2 . The method of  claim 1 , wherein the user account data comprises identifying information of a user. 
     
     
         3 . The method of  claim 2 , wherein the identifying information is usable to perform a transaction on behalf of the user. 
     
     
         4 . The method of  claim 1 , wherein establishing the verified communication session comprises establishing a session key and wherein the user account data is received in an encrypted form, and the method further comprising:
 decrypting, by the wearable device, the received user account data using the session key.   
     
     
         5 . The method of  claim 1 , further comprising:
 subsequently to storing the received user account data, receiving, by the wearable device, a request from a checkpoint terminal for account data; and   selecting the subset of the stored account data to be transmitted to a checkpoint terminal based at least in part on the request.   
     
     
         6 . The method of  claim 5 , wherein the checkpoint terminal comprises a point of sale terminal and the account data comprises account identifying information that is usable by the point of sale terminal to perform a purchase transaction with a payment processor. 
     
     
         7 . The method of  claim 5 , wherein the checkpoint terminal comprises a security barrier and the account data comprises an authorization credential of the user. 
     
     
         8 . The method of  claim 5 , wherein the wearable device transmits account data to the checkpoint terminal using a near-field communication channel. 
     
     
         9 . The method of  claim 1 , further comprising:
 subsequently to storing the received user account data, receiving, by the wearable device, a user selection of an account for which account data is to be sent to the checkpoint terminal; and   selecting the subset of the stored account data to be transmitted to the checkpoint terminal based at least in part on the user selection.   
     
     
         10 . The method of  claim 1 , further comprising:
 receiving, by the wearable device, a user request to load account data onto the wearable device; and   transmitting, by the wearable device, a request for user account data to the host device in response to the user request, wherein the wearable device transmits the request during the verified communication session.   
     
     
         11 . A system comprising:
 a communication interface;   a storage medium;   a sensor to detect whether a wearable device is being worn; and   a processor coupled to the communication interface, the storage medium, and the sensor, the processor configured to:
 determine whether the wearable device is in a trusted state, the trusted state comprising the wearable device being worn and the host device being within a threshold distance from the wearable device at a time correlated with a sign-in event; 
 in accordance with a determination that the wearable device is in the trusted state, establish a verified communication session with the host device, the verified communication session being established while the wearable device is being worn and while the host device is within the threshold distance of the wearable device; 
 receive user account data from the host device during the verified communication session; 
 store the received user account data in a storage medium of the wearable device; 
 provide a subset of the stored user account data to a checkpoint terminal; and 
 in the event that the wearable device ceases to be worn, delete the stored user account data from the storage medium. 
   
     
     
         12 . The system of  claim 11 , further comprising a user interface, wherein the processor is further configured to select a subset of the stored account data to be transmitted to a checkpoint terminal based at least in part on user input received at the user interface. 
     
     
         13 . The system of  claim 11 , wherein establishing the verified communication session comprises establishing a session key and wherein the user account data is received in an encrypted form, and wherein the processor is further configured to:
 decrypt the received user account data using the session key.   
     
     
         14 . The system of  claim 11 , wherein the processor is further configured to:
 subsequently to storing the received user account data, receive a request from a checkpoint terminal for account data; and   select the subset of the stored account data to be transmitted to a checkpoint terminal based at least in part on the request.   
     
     
         15 . The system of  claim 11 , wherein the processor is further configured to:
 receive a user request to load account data onto the wearable device; and   transmit a request for user account data to the host device in response to the user request, wherein the wearable device transmits the request during the verified communication session.   
     
     
         16 . A non-transitory computer-readable storage medium having stored thereon program instructions that, when executed by a processor in a wearable device, cause the processor in the wearable device to perform operations comprising:
 determining whether the wearable device is in a trusted state, the trusted state comprising the wearable device being worn and the host device being within a threshold distance from the wearable device at a time correlated with a sign-in event;   in accordance with a determination that the wearable device is in the trusted state, establishing a verified communication session with the host device, the verified communication session being established while the wearable device is being worn and while the host device is within the threshold distance of the wearable device;   receiving user account data from the host device during the verified communication session;   storing the received user account data in a storage medium of the wearable device;   providing a subset of the stored user account data to a checkpoint terminal; and   in the event that the wearable device ceases to be worn, deleting the stored user account data from the storage medium.   
     
     
         17 . The non-transitory computer-readable storage medium of  claim 16 , wherein establishing the verified communication session comprises establishing a session key and wherein the user account data is received in an encrypted form, and the operations further comprise:
 decrypting the received user account data using the session key.   
     
     
         18 . The non-transitory computer-readable storage medium of  claim 16 , wherein the operations further comprise:
 subsequently to storing the received user account data, receiving a request from a checkpoint terminal for the user account data; and   selecting the subset of the stored user account data to be transmitted to the checkpoint terminal based at least in part on the request.   
     
     
         19 . The non-transitory computer-readable storage medium of  claim 16 , wherein the operations further comprise:
 subsequently to storing the received user account data, receiving a user selection of an account for which the user account data is to be sent to a checkpoint terminal; and   selecting the subset of the stored user account data to be transmitted to the checkpoint terminal based at least in part on the user selection.   
     
     
         20 . The non-transitory computer-readable storage medium of  claim 16 , wherein the operations further comprise:
 receiving, by the processor of the wearable device, a user request to load account data onto the wearable device; and   transmitting, by the processor in the wearable device, a request for the user account data to the host device in response to the user request, wherein the wearable device transmits the request during the verified communication session.