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US 11,893,567 B2Granted
System and method for providing a bluetooth low energy mobile payment system
AssigneeAmerican Express Travel Related Services Company, Inc.
InventorDavid Baldie
Life of this patent
Estimating the term…
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.
Claims20
A method comprising:
- receiving, by a merchant terminal, user information from a user device over a wireless connection, wherein the user information comprises identifying information about a user;
- determining, by the merchant terminal, a location of a Bluetooth low-energy (BLE) beacon within a facility of a merchant by, extracting a beacon identifier from the user information received from the user device, the beacon identifier comprising identifying information about the BLE beacon with which the user device is in communication;
- determining, by the merchant terminal, that a user location of the user device based upon the beacon identifier is in proximity to the merchant terminal, wherein proximity comprises a pre-defined distance that is determined based upon a signal strength of the wireless connection between the user device and the merchant terminal that is translated to a distance;
- transmitting, by the merchant terminal, merchant information to the user device in proximity to the merchant terminal using the wireless connection;
- obtaining, by the merchant terminal, transaction details associated with a transaction between the merchant terminal and the user device using the wireless connection, the transaction details comprising at least one of:
- a transaction amount or one or more items associated with the transaction;
- initiating, by the merchant terminal, the transaction between the merchant terminal and the user device based upon the transaction details, in response to the user device in proximity to the merchant terminal generating a first transaction confirmation that is sent to at least one of a computing device associated with a card issuer or the merchant terminal, wherein the first transaction confirmation confirms a transaction amount associated with the transaction;
- and
- transmitting, by the merchant terminal, a second transaction confirmation to the computing device, wherein the second transaction confirmation confirms the transaction amount associated with the transaction.
6 more elements
A method comprising:
- obtaining, by a user device, a beacon identifier comprising identifying information about a Bluetooth low-energy (BLE) beacon with which the user device is in communication, wherein a merchant terminal determines a location of the BLE beacon within the facility of the merchant based upon the beacon identifier, the beacon identifier comprising identifying information about the BLE beacon with which the user device is in communication;
- transmitting, by a user device, user information to a merchant terminal, wherein the user information comprises identifying information about a user and the merchant terminal determines that a user location associated with the user device is in proximity to the merchant terminal based upon the beacon identifier, wherein proximity comprises a pre-defined distance that is determined based upon a signal strength of the wireless connection between the user device and the merchant terminal that is translated to a distance;
- receiving, by the user device, merchant information from the merchant terminal in proximity to the user device;
- receiving, by the user device, transaction details associated with a transaction between the merchant terminal and the user device;
- and
- initiating, by the user device, the transaction between the merchant terminal and the user device based upon the transaction details, in response to the user device inproximity to the merchant terminal generating a first transaction confirmation that is sent to at least one of a computing device associated with a card issuer or the merchant terminal, wherein the merchant terminal generates a second transaction confirmation in response to receiving the first transaction confirmation.
3 more elements
A system comprising:
- a merchant terminal comprising at least one processor;
- and
- an application executable by the merchant terminal, the application causing the merchant terminal to at least:
- receive user information from a user device, wherein the user information comprises identifying information about a user;
- determine a location of a Bluetooth low-energy (BLE) beacon within a facility of a merchant by extracting a beacon identifier from the user information received from the user device, the beacon identifier comprising identifying information about the beacon with which the user device is in communication;
- determine that a user location of the user device based upon the beacon identifier is in proximity to the merchant terminal, wherein proximity comprises a pre-defined distance that is determined based upon a signal strength of the wireless connection between the user device and the merchant terminal that is translated to a distance;
- transmit merchant information to the user device in proximity to the merchant terminal;
- obtain transaction details associated with a transaction between the merchant terminal and a user device;
- initiate the transaction between the merchant terminal and the user device based upon the transaction details, in response to the user device generating a first transaction confirmation that is sent to at least one of a computing device associated with a card issuer or the merchant terminal;
- and
- transmit a second transaction confirmation to the computing device.
8 more elements
Dependencies are inferred from the claim text.