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System and method for providing a BLUETOOTH low energy mobile payment system

  • US 10,062,073 B2
  • Filed: 08/26/2014
  • Issued: 08/28/2018
  • Est. Priority Date: 08/26/2014
  • Status: Active Grant
First Claim
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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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