US 12,248,924 B2
System and method for mobile payments
Konstantinos P. Konstantinides, Martinez, CA (US); Naresh Sikha, San Francisco, CA (US); Janardhan D. Kakarla, Dublin, CA (US); and Eliel R. Johnson, San Francisco, CA (US)
Assigned to CHARLES SCHWAB & CO., INC., San Francisco, CA (US)
Filed by Charles Schwab & Co., Inc., San Francisco, CA (US)
Filed on Sep. 27, 2023, as Appl. No. 18/475,772.
Application 18/475,772 is a continuation of application No. 13/770,160, filed on Feb. 19, 2013, granted, now 11,810,095.
Claims priority of provisional application 61/600,675, filed on Feb. 19, 2012.
Prior Publication US 2024/0020675 A1, Jan. 18, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/32 (2012.01); G06Q 20/04 (2012.01); G06K 7/00 (2006.01)
CPC G06Q 20/32 (2013.01) [G06Q 20/04 (2013.01); G06K 7/00 (2013.01)] 21 Claims
OG exemplary drawing
 
1. A method of providing payment for a transaction to a payee without disclosing to the payee an identity of payors of the transaction, the payment including at least a base payment, comprising:
receiving, at a server computer system, registration information for one or more of a first one of the payors and the payee, the registration information including an application user identifier for a respective one of the payee and the first one of the payors;
issuing, by the server computer system, an alternative user identifier for the first one of the payors and storing an association between the alternative user identifier of the first one of the payors and the registration information of the first one of the payor;
receiving, at the server computer system, information from a payee device over a network, the information including an amount of the base payment and a transaction identifier identifying the transaction, the information being encoded into an image into an image by the payee or payor device;
storing, by the server computer system, the transaction identifier such that the transaction identifier is associated with the transaction;
at a first time, receiving, at the server computer system, information corresponding to the image via the network from a mobile device of the first one of the payors, the information including an encoded version of the alternative user identifier for the first one of the payors, the transaction identifier extracted by scanning the image via a camera included in the mobile device and a first payment amount such that the first payment amount includes at least a share of the base payment attributed to the first one of the payors;
authenticating, by the server computer system, the first one of the payors based on the alternative user identifier provided to the server computer system in response to the mobile device of the first one of the payors scanning the image and the association between the alternative user identifier and the registration information;
transferring the first payment amount from the first one of the payors to the payee in response to authenticating the first one of the payors based on the alternative user identifier; and
at a second time, different from the first time, determining if the base payment for the transaction has been collected in full from the payors, and
marking the transaction identifier associated with the transaction as paid in response to the base payment for the transaction having been collected in full from the payors.