WO2017181561A1

WO2017181561A1 - Bluetooth ibeacon-based payment terminal, method and system

Info

Publication number: WO2017181561A1
Application number: PCT/CN2016/093433
Authority: WO
Inventors: 吴卫东; 刘礼建; 吴军华
Original assignee: 福建联迪商用设备有限公司
Priority date: 2016-04-18
Filing date: 2016-08-05
Publication date: 2017-10-26
Also published as: CN105931039A

Abstract

A Bluetooth iBeacon-based payment method, terminal and system. The method comprises: a payment terminal broadcasts a merchant information packet in real time by means of a Bluetooth iBeacon module; a user terminal receives the merchant information packet and parses the merchant information packet to obtain merchant information; the user terminal establishes a Bluetooth connection and exchanges payment data with the payment terminal; complete a transaction between the user terminal and a merchant according to the payment data. The method can implement electronic payment, features easy operations, can reduce the requirements on a payment terminal and the costs, and thus can be more widely used.

Description

Title of Invention: Payment Terminal, Method and System Based on Bluetooth iBeacon Technical Field

[0001] The present invention relates to the field of electronic payment technologies, and in particular, to a payment terminal based on Bluetooth iBeacon

, methods and systems.

Background technique

[0002] The traditional financial POS payment is that the user uses the bank card to swipe the card on the POS machine, and the POS machine reads the card information and then connects to the payment back-end system to complete the payment. The payment system must carry the bank card with you, and the payment cannot be completed without the card, and the network 020 function cannot be realized, and the convenience is poor.

[0003] With the popularity of smart phones, mobile payment has become more convenient and has become a hot spot in the payment field. Currently, payment methods such as WeChat, Alipay, and Apple Pay have been promoted. WeChat and Alipay scan the QR code generated on the mobile phone through the POS machine, and the POS machine then connects to the payment back-end system to complete the payment; the apple pay reads the relevant account information on the mobile phone through the NFC module on the POS machine, and the POS machine is networked again. Go to the payment backend system to complete the payment.

[0004] Bluetooth iBeacon uses Bluetooth Low Energy (BLE) to transmit data based on the Bluetooth 4.0 standard protocol. This technology can realize distance positioning, broadcast information push and other functions.

[0005] At present, the more popular mobile payment such as WeChat, Alipay, and Apple Pay are all read by the POS machine and then connected to the payment back-end system by the POS machine. During the entire payment process, the POS machine must be connected to the back-end payment system, which has higher requirements for the POS machine. The smart phone itself has a strong networking capability. These popular mobile payment modes do not take advantage of the networking capabilities of the mobile phone itself. In the end, the POS machine needs to go to the network to complete the payment, and the cost of the POS machine is relatively high.

technical problem

The technical problem to be solved by the present invention is to provide a method for electronic wallet payment by using a payment terminal of a Bluetooth iBeacon module and a mobile phone supporting the iBeacon function. It is suitable for all kinds of POS applications such as bus card, subway station deduction system and POS terminal supporting iBeacon function.

Problem solution Technical solution

[0007] In order to solve the above technical problem, the technical solution adopted by the present invention is: Providing a Bluetooth iBeaco n-based payment method, including:

[0008] the payment terminal broadcasts the merchant information packet through the Bluetooth iBeacon module;

[0009] the user terminal receives the merchant information package, and parses the obtained merchant information;

[0010] the user terminal establishes a Bluetooth connection with the payment terminal, and exchanges payment data;

[0011] completing the transaction between the user terminal and the merchant according to the payment data.

[0012] In order to solve the above problem, the present invention further provides a Bluetooth iBeacon-based payment terminal, including: a Bluetooth iBeacon module and a terminal system MCU;

[0013] The terminal system MCU is used to control the Bluetooth iBeacon module to broadcast the merchant information;

[0014] establishing a Bluetooth connection with the user terminal and interacting with the payment data;

[0015] completing the transaction between the user terminal and the merchant according to the payment data.

[0016] In order to solve the above problem, the present invention further provides a Bluetooth iBeacon-based payment system, including a payment terminal and a user terminal, where

[0017] the payment terminal broadcasts the merchant information packet through the Bluetooth iBeacon module;

[0018] the user terminal receives the merchant information package, and parses the obtained merchant information;

[0019] the user terminal establishes a Bluetooth connection with the payment terminal, and exchanges payment data;

[0020] completing the transaction between the user terminal and the merchant according to the payment data.

Advantageous effects of the invention

Beneficial effect

[0021] The beneficial effects of the present invention are as follows: Different from the prior art, the payment terminal of the present invention broadcasts a merchant information packet through a Bluetooth iBeaco n module; after being received by the user terminal, parsing and acquiring the merchant information; and establishing a Bluetooth connection with each other, Interactive payment data, complete the transaction between the user terminal and the merchant. Through the above manner, the invention can realize electronic payment, has good convenience, reduces payment terminal requirements, saves cost, and realizes wider application.

Brief description of the drawing

DRAWINGS

1 is a system structural block of an electronic wallet payment method of a Bluetooth iBeacon according to an embodiment of the present invention; Figure

2 is a schematic structural diagram of a payment terminal MCU and a Bluetooth iBeacon module according to an embodiment of the present invention. [0024] FIG. 3 is a schematic flowchart of a method for paying for an electronic wallet of a Bluetooth iBeacon according to an embodiment of the present invention.

detailed description

[0025] The most important idea of the present invention is: using the Bluetooth iBeacon module payment terminal and the iBeacon-enabled mobile phone to carry out the electronic wallet payment method, which is suitable for the bus credit card, the subway pit deduction system, and the POS terminal supporting the iBeacon function. Various POS applications.

[0026] Embodiment 1 of the present invention provides a Bluetooth iBeacon-based payment method, including:

[0027] S1: the payment terminal broadcasts the merchant information packet through the Bluetooth iBeacon module;

[0028] S2: the user terminal receives the merchant information package, and parses the obtained merchant information;

[0029] S3: the user terminal establishes a Bluetooth connection with the payment terminal, and exchanges payment data;

[0030] S4: completing a transaction between the user terminal and the merchant according to the payment data.

[0031] Before implementing the technical solution of the present invention, the user terminal is required to use the electronic wallet APP to bind the bank card; the money is deposited from the bank card to the electronic wallet APP.

[0033] Subsequently, the user terminal sends the Bluetooth BLE search through the electronic wallet APP to receive the merchant information package; [0033] the user terminal parses the UUID and the merchant advertisement information according to the merchant information package;

[0034] The distance between the user terminal and the payment terminal is obtained through the RSSI and displayed on the electronic wallet APP.

[0035] the user terminal selects a merchant through the electronic wallet APP, and initiates a Bluetooth pairing request;

[0036] the payment terminal receives and passes the pairing request to establish a GATT handshake connection;

[0037] The electronic wallet APP and the payment terminal perform two-way communication of the payment data, and confirm the current payment amount.

[0038] according to the payment amount, the electronic wallet APP is connected to the background payment system through a network;

[0039] the background payment system deducts the above amount from the electronic wallet APP, and pays it to the merchant account corresponding to the payment terminal, and returns the result to the electronic wallet APP through the network;

[0040] The electronic wallet APP receives the result, and is notified to the payment terminal via Bluetooth synchronization, and confirms in both directions; [0041] After the confirmation is passed, the electronic wallet APP disconnects from the GATT connection of the payment terminal.

[0042] [0043] Correspondingly, the second embodiment of the present invention provides a Bluetooth iBeacon-based payment terminal, including: a Bluetooth iB eacon module and a terminal system MCU;

[0044] The terminal system MCU is configured to process payment data, and control the Bluetooth iBeacon module to broadcast merchant information, connection, disconnection, data transmission and reception, etc.;

[0045] establishing a Bluetooth connection with the user terminal and interacting with the payment data;

[0046] completing the transaction between the user terminal and the merchant according to the payment data.

[0047] wherein, the terminal system MCU establishes a GATT handshake connection with the user terminal, and performs two-way communication of the payment data to confirm the current payment amount; and after confirming the payment result, disconnects the GATT with the user terminal.

[0048]

[0049] The third embodiment of the present invention provides a Bluetooth iBeacon-based payment system, including a payment terminal and a user terminal, where

[0050] the payment terminal broadcasts the merchant information packet through the Bluetooth iBeacon module;

[0051] the user terminal receives the merchant information package, and parses the obtained merchant information;

[0052] the user terminal establishes a Bluetooth connection with the payment terminal, and exchanges payment data;

[0053] completing the transaction between the user terminal and the merchant according to the payment data.

[0054] Specifically, the user terminal initiates a Bluetooth BLE search through the electronic wallet APP, and receives the merchant information package.

[0055] the user terminal parses the UUID and the merchant advertisement information according to the merchant information package;

[0056] The distance between the user terminal and the payment terminal is obtained through the RSSI and displayed on the electronic wallet APP.

[0057] the POS terminal completes the transaction payment after networking the payment authentication information;

[0058] the user terminal selects a merchant through the electronic wallet APP, and initiates a Bluetooth pairing request;

[0059] the payment terminal receives and passes the pairing request to establish a GATT handshake connection;

[0060] The electronic wallet APP and the payment terminal perform two-way communication of the payment data, and confirm the current payment amount;

[0061] according to the payment amount, the electronic wallet APP is connected to the background payment system through a network;

[0062] the background payment system deducts the above amount from the electronic wallet APP, and pays it to the merchant account corresponding to the payment terminal, and returns the result to the electronic wallet APP through the network;

[0063] The electronic wallet APP receives the result, and is notified to the payment terminal through Bluetooth synchronization, and confirms in both directions;

[0064] After the confirmation is passed, the electronic wallet APP disconnects from the GATT of the payment terminal. [0065]

[0066] In order to facilitate the understanding of the technical solution of the present invention, a specific embodiment will be described below with reference to FIGS. 1 to 3.

[0067] The present invention relates to a method for making an electronic wallet payment by using a payment terminal of a Bluetooth iBeacon module and a mobile phone supporting the iBeacon function. The invention solution is applicable to various POS applications of bus credit card, subway pit deduction system, and POS terminal supporting iBeacon function.

[0068] First, the user first binds the mobile phone wallet app to the bank card and deposits a certain amount into the electronic wallet. When the user's mobile phone is close to the payment terminal, the user receives the broadcast information package issued by the payment terminal iBeacon module, in the mobile phone app. The information and the distance of the payment terminal are displayed. After the user selects the payment terminal to click the payment, the mobile phone app is connected to the background payment system to complete the payment. The payment terminal can be a single function deduction terminal (supporting iBeacon function) or a POS terminal supporting iBeacon function. The invention is applicable to various types of POS applications such as bus credit card, subway pit deduction system, and POS terminal supporting iBeacon function.

[0069] In the meantime, the present invention provides a method for using the Bluetooth iBeacon module payment terminal and the iBeacon-enabled mobile phone to perform electronic wallet payment, including a payment terminal supporting the Bluetooth iBeacon base station module, a Bluetooth 4.0-enabled smart phone, and the like E-wallet app, background payment system, etc., where:

[0070] the payment terminal and the mobile phone side electronic wallet app are connected by a Bluetooth 4.0 communication technology; the mobile phone end electronic wallet app and the background payment system are connected by a wireless network, and the wireless network can be WIFI, mobile 2G / 3G / 4G And other communication technologies.

[0071] The payment terminal supporting the Bluetooth iBeacon base station module may be a single function deduction terminal or a POS terminal supporting the iBeacon function, and at least includes a logic control unit, a Bluetooth iBeacon unit, and a storage unit. The logic control unit is CPU or MCU, which is responsible for logic operation; the Bluetooth iBeacon unit is a Bluetooth module supporting Bluetooth 4.0 protocol, which is responsible for broadcasting iBeacon information packets and data communication; the storage unit is flash, which is responsible for storing data.

[0072] The Bluetooth 4.0-enabled smart phone and its electronic wallet app, the smart phone requires at least Bluetooth 4. 0, supports wireless network communication, and the electronic wallet app can be designed according to different scenarios, and the app function includes at least receiving After the Bluetooth iBeacon broadcast package, the name and distance of the payment terminal are displayed. After the user selects and clicks the payment, the app is connected to the background payment system to complete the payment.

[0073] The background payment system includes at least a bank card deposit amount to the user's electronic wallet, and the user pays User e-wallet deducts related funds, etc.

[0074] The method is specifically as follows:

[0075] S1: The user's mobile phone uses the electronic wallet app to pre-bind the bank card and deposit a certain amount from the bank card to the electronic wallet;

[0076] S2: The payment terminal Bluetooth iBeacon base station module broadcasts the relevant merchant information packet to the surrounding area, waiting for the user's mobile phone to be close to the connection;

[0077] S3: the user's mobile phone snores the e-wallet app, the e-wallet app opens the Bluetooth BLE search;

[0078] S4: The e-wallet app searches for the Bluetooth iBeacon device, receives the broadcasted information packet, parses out the UUID and its merchant related information through the broadcast information packet, and calculates the distance between the mobile phone and the payment terminal through the RSSI value, and the related information. Displayed on the e-wallet app;

[0079] S5: the user selects the payment terminal displayed on the electronic wallet app, and establishes a Bluetooth connection with the terminal, and the two parties exchange payment data after connecting;

[0080] S6: according to the payment amount confirmed in S5, the electronic wallet app is connected to the background payment system through the network, and the background payment system deducts the specified amount from the account electronic wallet and pays the payment to the corresponding merchant account of the payment terminal;

[0081] S7: After the transaction is completed, the transaction result is displayed on the electronic wallet app and the Bluetooth connection is broken.

Compared with the prior art, the beneficial effects of the present invention are as follows: Firstly, the use of the mobile phone electronic wallet is more convenient, and the 020 function can be realized; secondly, by using the superior networking capability of the mobile phone, the connection background payment system is completed by the mobile phone, and is reduced. The requirements for the payment terminal save the cost of the payment terminal; Thirdly, the Bluetooth iBeanc on has the function of broadcasting information and positioning distance, and the merchant can push advertisement information and realize distance positioning to the surrounding mobile phone users, thereby realizing wider application. The design of the invention is more practical and convenient.

[0083] The following is a description of the overall structure of a method for paying for an electronic wallet of a Bluetooth iBeacon according to a specific embodiment of the present invention. The payment terminal connects to the smart phone through the Bluetooth BLE technology, and the smart phone is connected through the wireless network. Background payment system, wireless network can be wireless technology such as WIFI, mobile 2G/3G/4G.

[0084] The payment terminal broadcasts a packet to the surrounding via the Bluetooth iBeacon module, and waits for the smart phone to initiate a payment transaction; the smartphone app end acts as the initiator of the payment behavior, and after the app initiates the Bluetooth detection and receives the broadcast packet of the payment terminal, Parsing the information and displaying, the user selects the designated payment terminal to establish a Bluetooth link, After the two parties authenticate the data and confirm the amount, the mobile app connects to the background payment system, and the background payment system deducts the amount of the designated e-wallet account and transfers it to the corresponding merchant e-wallet account.

2 is a schematic structural diagram of a payment terminal MCU and a Bluetooth iBeacon module according to an embodiment of the present invention. As shown in FIG. 2, the present invention adds a Bluetooth iBeacon module to the existing financial payment terminal hardware. The Bluetooth iBeacon module requires a module that supports the Bluetooth 4.0 standard protocol, and supports both the standard BT3.0 Classic mode and the standard BLE protocol. The Bluetooth iBeacon module is embedded in the financial payment terminal system. The financial application can send commands through the bus to control the Bluetooth iBeacon module for information broadcasting, GATT connection and disconnection, and data communication.

[0086] The operating system platform of the financial payment terminal may be a small embedded operating system, a linux platform system, or an Android platform system; the MCU used by the financial payment terminal may be various versions of the ARM core, and Not limited to the ARM platform; the peripherals of the financial payment terminal include at least the storage module and the Bluetooth iBeacon module, but are not limited to these modules, and may include a liquid crystal, a keyboard, a printer, a magnetic card module, an IC card module, a radio frequency card module, a modem module, and an Ethernet. Modules, wireless 2G\3G\4G modules, etc., can be designed for payment terminals considering specific needs and costs.

3 is a schematic flowchart of a method for paying for an electronic wallet of a Bluetooth iBeacon according to an embodiment of the present invention. The specific implementation steps of the embodiment of the present invention are as follows:

[0088] 1. The user's mobile phone uses the electronic wallet app to pre-bind the bank card and deposit a certain amount from the bank card to the electronic wallet;

[0089] 2. The payment terminal activates the Bluetooth iBeacon function, and broadcasts the iBeacon packet to the surrounding area, the information includes the UUID of the merchant payment terminal and the additional advertisement information, and waits for the mobile phone to initiate a pairing request connection; [0090] 3. The user's mobile phone opens the e-wallet app, and the app automatically starts the Bluetooth BLE search function;

4. [0091] 4.

The e-wallet app receives the iBeacon packet broadcasted by the payment terminal, parses the information packet, calculates the distance between the current mobile phone and the payment terminal according to the RSSI value, and displays the relevant information of the merchant for the user to select the designated merchant to make the payment;

[0092] 5. The user selects the designated merchant in the electronic wallet, and the electronic wallet app initiates a Bluetooth pairing request, and after the pairing is successful, the GATT connection is automatically initiated;

[0093] 6. After receiving the pairing request, the payment terminal allows pairing and establishes a GATT Bluetooth connection; [0094] 7. The electronic wallet app and the payment terminal perform two-way communication of the payment data, and confirm the current payment amount;

[0095] 8. The electronic wallet app connects to the background payment system via the wireless network and submits payment request information, the request information includes at least the current electronic wallet account, the merchant account, the payment amount, etc., and waits for the payment result to be returned.

[0096] 9. The background payment system processes the payment request, deducts the specified amount from the submitted electronic wallet account and pays the merchant account corresponding to the payment terminal, and notifies the mobile phone electronic wallet app via the network;

[0097] 10. After receiving the payment result returned by the background payment system, the electronic wallet app is notified to the payment terminal via Bluetooth synchronization and confirmed in both directions;

[0098] 11. After the confirmation is completed, the mobile phone wallet app is disconnected from the Bluetooth GATT connection, and the payment terminal continues to broadcast the iBeacon packet to the surrounding area to wait for other mobile phones to initiate a pairing request connection, and the entire payment process ends.

[0099]

Claims

Claim

A payment method based on Bluetooth iBeacon, characterized in that it comprises:

The payment terminal broadcasts the merchant information packet through the Bluetooth iBeacon module;

Receiving, by the user terminal, the merchant information package, and parsing the obtained merchant information;

The user terminal establishes a Bluetooth connection with the payment terminal, and exchanges payment data; and completes a transaction between the user terminal and the merchant according to the payment data.

The Bluetooth iBeacon-based payment method according to claim 1, further comprising:

The user terminal uses the electronic wallet APP to bind the bank card;

Deposit money from the bank card to the e-wallet APP.

The Bluetooth iBeacon-based payment method according to claim 2, wherein the step of the user terminal receiving the merchant information package and parsing the merchant information is as follows: the user terminal initiates the Bluetooth BLE search through the electronic wallet APP, and receives the Business information package

The user terminal parses the UUID and the merchant advertisement information according to the merchant information package; acquires the distance between the user terminal and the payment terminal through the RSSI, and displays the Bluetooth iBeacon-based payment method according to claim 3 on the electronic wallet APP, and the feature thereof The step of establishing a Bluetooth connection between the user terminal and the payment terminal and interacting with the payment data is specifically: the user terminal selects a merchant through the electronic wallet APP, and initiates a Bluetooth pairing request; the payment terminal receives and passes the pairing request to establish a GATT handshake. Connection; the e-wallet APP and the payment terminal perform two-way communication of payment data, confirming the current payment amount

[Claim 5] The Bluetooth iBeacon-based payment method according to claim 3, wherein the step of completing the transaction between the user terminal and the merchant according to the payment data is specifically: according to the payment amount, the electronic wallet APP passes The network is connected to the background payment system; the background payment system deducts the amount from the electronic wallet APP, and pays it to the merchant account corresponding to the payment terminal, and returns the result to the electronic wallet APP through the network; The e-wallet APP receives the result, and is notified to the payment terminal via Bluetooth synchronization, and confirms in both directions;

After the confirmation is passed, the e-wallet APP disconnects from the GATT of the payment terminal.

[Claim 6] A Bluetooth iBeacon-based payment terminal, comprising: a Bluetooth iBeacon module and a terminal system MCU;

The terminal system MCU is used to control the Bluetooth iBeacon module to broadcast the merchant information packet; establish a Bluetooth connection with the user terminal, and exchange payment data;

According to the payment data, the transaction between the user terminal and the merchant is completed.

[Claim 7] The Bluetooth iBeacon-based payment terminal according to claim 6, wherein the terminal system MCU is further configured to:

Establishing a GATT handshake connection with the user terminal, and performing two-way communication of payment data to confirm the current payment amount;

After confirming the payment result, the user terminal is disconnected from the GATT.

[Attachment 8] A Bluetooth iBeacon-based payment system, comprising: a payment terminal and a user terminal, wherein

The payment terminal broadcasts the merchant information packet through the Bluetooth iBeacon module; the user terminal receives the merchant information package, and parses and obtains the merchant information;

[Claim 9] The Bluetooth iBeacon-based payment system according to claim 8, wherein the user terminal receives the Bluetooth BLE search through the electronic wallet APP, and receives the merchant information package.

The user terminal parses the UUID and the merchant advertisement information according to the merchant information package; acquires the distance between the user terminal and the payment terminal through the RSSI, and displays the distance on the electronic wallet APP.

[Claim 10] The Bluetooth iBeacon-based payment system according to claim 9, wherein the POS terminal completes the transaction payment after the payment authentication information is networked; the user terminal selects the merchant through the electronic wallet APP, and initiates Bluetooth pairing. request; Receiving, by the payment terminal, the GATT handshake connection by using the pairing request; the electronic wallet APP and the payment terminal perform two-way communication of the payment data, confirming that the current payment amount is based on the payment amount, and the electronic wallet APP is connected to the background payment system through the network; The background payment system deducts the above amount from the electronic wallet APP, and pays it to the merchant account corresponding to the payment terminal, and returns the result to the electronic wallet APP through the network; the electronic wallet APP receives the result, and the notification is notified through the Bluetooth synchronization Payment terminal, and confirm in both directions;