US 11,756,023 B2
Payment device and process
Lindsay Herbert, London (GB)
Assigned to International Business Machines Corporation, Armonk, NY (US)
Appl. No. 16/762,160
Filed by International Business Machines Corporation, Armonk, NY (US)
PCT Filed Nov. 30, 2018, PCT No. PCT/IB2018/059517
§ 371(c)(1), (2) Date May 7, 2020,
PCT Pub. No. WO2019/111119, PCT Pub. Date Jun. 13, 2019.
Claims priority of application No. 1720497 (GB), filed on Dec. 8, 2017.
Prior Publication US 2020/0364692 A1, Nov. 19, 2020
Int. Cl. G06Q 20/32 (2012.01); G01R 33/07 (2006.01); G06Q 20/40 (2012.01)
CPC G06Q 20/327 (2013.01) [G01R 33/07 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/4014 (2013.01)] 6 Claims
OG exemplary drawing
 
1. A method comprising:
receiving credentials of a user from an electronic communications device;
verifying the received credentials against data in a customer database;
receiving, from the electronic communications device, device reader identifying data associated with a device reader, the device reader identifying data comprising a unique identifier for the device reader and magnetic signatures of magnetic fields detected by the electronic communications device while in proximity to the device reader;
verifying the device reader identifying data against data in a device reader database,
wherein the data in the device reader database includes magnetic sensor data crowdsourced from a plurality of electronic communication devices that, when at a physical location of the device reader, obtain a first magnetic field reading associated with the device reader and a second magnetic field reading associated with the physical location of the device reader, and provide the first magnetic field reading and the second magnetic field reading for storing as the magnetic sensor data in the device reader database, and
wherein the magnetic signatures received from the electronic communications device include magnetic field readings associated with the device reader and the physical location of the device reader, and the magnetic signatures are compared to the magnetic sensor data in the device reader database to verify proximity of the electronic communications device to the device reader;
receiving, based on the verified device reader identifying data, order data from a terminal comprising the device reader, wherein neither the terminal nor the device reader obtains an identity of the user; and
communicating, to the electronic communications device, the order data to allow the electronic communications device to send the order data to a payment provider.