SYSTEM AND METHOD FOR FACILITATING A PURCHASE TRANSACTION USING A CUSTOMER DEVICE BEACON

摘要

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.

主权项

1. A customer mobile device for processing a purchase transaction between a merchant and a customer, the customer mobile device comprising:
means for receiving a beacon signal containing a transaction identifier from a merchant device that obtains item information and sends transaction information based on the item information to a payment gateway; means for sending payment account information and the transaction identifier to the payment gateway for application of the transaction identifier to access the transaction information received from the merchant device; means for receiving, from the payment gateway, purchase information based on the transaction information accessed; means for providing the purchase information to the customer; means for obtaining an indication of assent to pay for the item; and means for sending, to the payment gateway, a confirmation of customer assent based on the indication obtained from the customer, the confirmation of customer assent enabling the payment gateway to process the purchase transaction based on the payment account information.