SYSTEM AND METHOD FOR FACILITATING A PURCHASE TRANSACTION USING A MERCHANT DEVICE BEACON
In a purchase transaction between a merchant and a customer, a merchant device sends transaction information to a payment gateway and sends a beacon signal containing a transaction identifier to a customer mobile device. The customer mobile device sends the transaction identifier and payment information corresponding to a customer payment account to the payment gateway. The payment gateway applies the transaction identifier to access the transaction information received from the merchant device and sends purchase information based on the transaction information to the customer mobile device. The customer mobile device displays the purchase information to the customer, obtains an indication of customer assent to pay for the item and sends a confirmation of customer assent to the payment gateway. Upon receiving the confirmation of customer assent from the customer mobile device, the payment gateway processes the purchase transaction based on the payment account information.
1 . A merchant device for facilitating a purchase transaction between a merchant and a customer, the merchant device comprising:
means for obtaining item information corresponding to an item to be purchased by the customer in the purchase transaction;
means for sending transaction information based on the item information to a payment gateway; and
means for sending a beacon signal containing a transaction identifier to a customer mobile device which sends, to the payment gateway, payment account information and the transaction identifier for use in accessing the transaction information, obtaining a confirmation of customer assent to pay and processing the purchase transaction.
2 . The merchant device of claim 1 wherein the merchant device comprises:
a point of sale terminal comprising the means for obtaining item information and the means for providing the transaction information; and
a beacon transceiver proximate to the point of sale terminal, the beacon transceiver comprising the means for sending the beacon signal.
3 . The merchant device of claim 1 wherein the merchant device comprises a merchant mobile device comprising the means for obtaining item information, the means for sending transaction information, and a beacon transceiver resident on the merchant mobile device, wherein the beacon transceiver comprises the means for sending the beacon signal.
4 . The merchant device of claim 1 wherein the merchant device comprises:
a merchant mobile device comprising the means for obtaining item information and the means for sending transaction information; and
a beacon transceiver affixed to the merchant mobile device, wherein the beacon transceiver comprises the means for sending the beacon signal.
5 . The merchant device of claim 1 wherein the merchant device comprises a self-checkout device.
6 . The merchant device of claim 1 wherein the merchant device comprises a vending machine.
7 . The merchant device of claim 1 wherein the merchant device comprises a mobile communication device.
8 . The merchant device of claim 7 wherein the merchant device comprises a Smartphone.
9 . The merchant device of claim 1 wherein the merchant device comprises a tablet computer.
10 . The merchant device of claim 1 wherein the transaction identifier comprises a merchant identification number.
11 . The merchant device of claim 1 wherein the transaction identifier comprises a terminal identification number.
12 . The merchant device of claim 1 wherein the transaction identifier comprises a device identification number.
13 . The merchant device of claim 1 wherein the merchant device comprises means for configuring the means for sending a beacon signal to send the beacon signal over a limited proximity range.
14 . The merchant device of claim 1 , further comprising means for sending a beacon payment indicator to the payment gateway, the beacon payment indicator indicating a beacon-based transaction to the payment gateway.
15 . The merchant device of claim 1 wherein the means for sending a beacon signal comprises a Bluetooth low energy beacon transceiver.
16 . A method for facilitating a purchase transaction between a merchant and a customer, the method performed by a merchant device and comprising:
obtaining item information corresponding to an item to be purchased by the customer in the purchase transaction;
sending transaction information based on the item information to a payment gateway; and
sending a beacon signal containing a transaction identifier to a customer mobile device which sends, to the payment gateway, payment account information and the transaction identifier for use in accessing the transaction information, obtaining a confirmation of customer assent to pay and processing the purchase transaction.
17 . The method of claim 16 , further comprising obtaining a transaction result from the payment gateway indicating a result of the purchase transaction.
18 . The method of claim 16 , further comprising sending a beacon payment indicator to the payment gateway, the beacon payment indicator indicating a beacon-based transaction to the payment gateway.
19 . The method of claim 16 wherein the transaction identifier comprises at least one of: a merchant identification number, a terminal identification number, or a device identification number.
20 . The method of claim 16 wherein the beacon signal comprises a Bluetooth low energy beacon signal.