System and method for providing a BLUETOOTH low energy mobile payment system
First Claim
Patent Images
1. A method, comprising:
- receiving, by a computer based system and from a Bluetooth low energy (“
BLE”
) beacon, a beacon identifier associated with the BLE beacon associated with a merchant, in response to a user device being within a defined distance from the BLE beacon;
receiving, by the computer based system and from a merchant application, a user identifier associated with the user device, in response to the user device being within the defined distance from the BLE beacon,wherein the BLE beacon is located near a merchant terminal,wherein the merchant application completes a payment with the merchant,wherein the merchant application on the user device activates a Bluetooth radio that passively listens to Bluetooth broadcasts from the BLE beacon associated with the merchant,wherein the beacon identifier is registered with a micro-registry, andwherein the micro-registry comprises information for a plurality of beacon identifiers and a plurality of merchant systems;
analyzing, by the computer based system and in response to the receiving, the beacon identifier,determining, by the computer based system, a micro-location of the BLE beacon within a facility of the merchant in response to and based on the analyzing and the information associated with the BLE beacon in the micro-registry;
transmitting, by the computer based system and to the user device and in response to the determining, merchant information associated with the BLE beacon;
transmitting, by the computer based system and to the merchant terminal associated with a merchant system and based on the merchant information, a request to conduct a transaction from a user associated with the user device, wherein the request includes an account number associated with the user and an image of the user,wherein the image of the user is displayed on the merchant terminal;
receiving, by the computer based system and from the merchant terminal and in response to the request, a preliminary transaction amount to charge the user;
transmitting, by the computer based system and to the user device and in response to the receiving the preliminary transaction amount, the preliminary transaction amount;
receiving, by the computer based system and from the user device and in response to transmitting the preliminary transaction amount, a confirmation of a transaction amount,wherein the transaction amount is the preliminary transaction amount as modified by the user; and
initiating, by the computer based system and based on the confirmation, the transaction for the transaction amount and using a transaction account.
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Abstract
A BLUETOOTH low energy mobile payments system may comprise a BLE beacon that is deployed at a merchant location. The BLE beacon may be associated with a specific merchant terminal. The BLE beacon may be configured to broadcast a unique beacon ID that is detectable by a user device. The user device may be configured to communicate the beacon ID to a payment system. In response to receiving the beacon ID, the user device may initiate a payment between a user and a merchant, via a user device and a merchant terminal.
125 Citations
20 Claims
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1. A method, comprising:
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receiving, by a computer based system and from a Bluetooth low energy (“
BLE”
) beacon, a beacon identifier associated with the BLE beacon associated with a merchant, in response to a user device being within a defined distance from the BLE beacon;receiving, by the computer based system and from a merchant application, a user identifier associated with the user device, in response to the user device being within the defined distance from the BLE beacon, wherein the BLE beacon is located near a merchant terminal, wherein the merchant application completes a payment with the merchant, wherein the merchant application on the user device activates a Bluetooth radio that passively listens to Bluetooth broadcasts from the BLE beacon associated with the merchant, wherein the beacon identifier is registered with a micro-registry, and wherein the micro-registry comprises information for a plurality of beacon identifiers and a plurality of merchant systems; analyzing, by the computer based system and in response to the receiving, the beacon identifier, determining, by the computer based system, a micro-location of the BLE beacon within a facility of the merchant in response to and based on the analyzing and the information associated with the BLE beacon in the micro-registry; transmitting, by the computer based system and to the user device and in response to the determining, merchant information associated with the BLE beacon; transmitting, by the computer based system and to the merchant terminal associated with a merchant system and based on the merchant information, a request to conduct a transaction from a user associated with the user device, wherein the request includes an account number associated with the user and an image of the user, wherein the image of the user is displayed on the merchant terminal; receiving, by the computer based system and from the merchant terminal and in response to the request, a preliminary transaction amount to charge the user; transmitting, by the computer based system and to the user device and in response to the receiving the preliminary transaction amount, the preliminary transaction amount; receiving, by the computer based system and from the user device and in response to transmitting the preliminary transaction amount, a confirmation of a transaction amount, wherein the transaction amount is the preliminary transaction amount as modified by the user; and initiating, by the computer based system and based on the confirmation, the transaction for the transaction amount and using a transaction account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A system comprising:
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a processor; and a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising; receiving, by the processor and from a Bluetooth low energy (“
BLE”
) beacon, a beacon identifier associated with the BLE beacon associated with a merchant, in response to a user device being within a defined distance from the BLE beacon;receiving, by the processor and from a merchant application, a user identifier associated with the user device, in response to the user device being within the defined distance from the BLE beacon, wherein the BLE beacon is located near a merchant terminal, wherein the merchant application completes a payment with the merchant, wherein the merchant application on the user device activates a Bluetooth radio that passively listens to Bluetooth broadcasts from the BLE beacon associated with the merchant, wherein the beacon identifier is registered with a micro-registry, and wherein the micro-registry comprises information for a plurality of beacon identifiers and a plurality of merchant systems; analyzing, by the processor and in response to the receiving, the beacon identifier, determining, by the processor, a micro-location of the BLE beacon within a facility of the merchant in response to and based on the analyzing and the information associated with the BLE beacon in the micro-registry; transmitting, by the processor and to the user device and in response to the determining, merchant information associated with the BLE beacon; transmitting, by the processor and to the merchant terminal associated with a merchant system and based on the merchant information, a request to conduct a transaction from a user associated with the user device, wherein the request includes an account number associated with the user and an image of the user, wherein the image of the user is displayed on the merchant terminal; receiving, by the processor and from the merchant terminal and in response to the request, a preliminary transaction amount to charge the user; transmitting, by the processor and to the user device and in response to the receiving the preliminary transaction amount, the preliminary transaction amount; receiving, by the processor and from the user device and in response to transmitting the preliminary transaction amount, a confirmation of a transaction amount, wherein the transaction amount is the preliminary transaction amount as modified by the user; and initiating, by the processor and based on the confirmation, the transaction for the transaction amount and using a transaction account. - View Dependent Claims (10, 11, 12, 13, 14)
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15. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system, cause the computer-based system to perform operations comprising:
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receiving, by the computer based system and from a Bluetooth low energy (“
BLE”
) beacon, a beacon identifier associated with the BLE beacon associated with a merchant, in response to a user user device being within a defined distance from the BLE beacon;receiving, by the computer based system and from a merchant application, a user identifier associated with the user device, in response to the user device being within the defined distance from the BLE beacon, wherein the BLE beacon is located near a merchant terminal, wherein the merchant application completes a payment with the merchant, wherein the merchant application on the user device activates a Bluetooth radio that passively listens to Bluetooth broadcasts from the BLE beacon associated with the merchant, wherein the beacon identifier is registered with a micro-registry, and wherein the micro-registry comprises information for a plurality of beacon identifiers and a plurality of merchant systems; analyzing, by the computer based system and in response to the receiving, the beacon identifier, determining, by the computer based system, a micro-location of the BLE beacon within a facility of the merchant in response to and based on the analyzing and the information associated with the BLE beacon in the micro-registry; transmitting, by the computer based system and to the user device and in response to the determining, merchant information associated with the BLE beacon; transmitting, by the computer based system and to the merchant terminal associated with a merchant system and based on the merchant information, a request to conduct a transaction from a user associated with the user device, wherein the request includes an account number associated with the user and an image of the user, wherein the image of the user is displayed on the merchant terminal; receiving, by the computer based system and from the merchant terminal and in response to the request, a preliminary transaction amount to charge the user; transmitting, by the computer based system and to the user device and in response to the receiving the preliminary transaction amount, the preliminary transaction amount; receiving, by the computer based system and from the user device and in response to transmitting the preliminary transaction amount, a confirmation of a transaction amount, wherein the transaction amount is the preliminary transaction amount as modified by the user; and initiating, by the computer based system and based on the confirmation, the transaction for the transaction amount and using a transaction account. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification