US 12,277,539 B1
Systems and methods for payment at a point of sale
Barrington Riverton Saint Aloysius Young, Austin, TX (US); Bharat Prasad, San Antonio, TX (US); and Bradly Jay Billman, San Antonio, TX (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by United Services Automobile Association (USAA), San Antonio, TX (US)
Filed on Jun. 26, 2023, as Appl. No. 18/341,739.
Application 18/341,739 is a continuation of application No. 16/930,049, filed on Jul. 15, 2020, granted, now 11,715,080.
Application 16/930,049 is a continuation of application No. 15/852,369, filed on Dec. 22, 2017, granted, now 10,755,256, issued on Aug. 25, 2020.
Application 15/852,369 is a continuation of application No. 15/375,359, filed on Dec. 12, 2016, granted, now 9,864,981.
Application 15/375,359 is a continuation of application No. 13/595,884, filed on Aug. 27, 2012, abandoned.
Application 13/595,884 is a continuation of application No. 12/408,935, filed on Mar. 23, 2009, granted, now 8,255,278, issued on Aug. 28, 2012.
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/10 (2012.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 40/12 (2023.01)
CPC G06Q 20/202 (2013.01) [G06Q 20/102 (2013.01); G06Q 20/206 (2013.01); G06Q 20/209 (2013.01); G06Q 20/3278 (2013.01); G06Q 40/128 (2013.12)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
generating, by a point-of-sale device, a transaction identifier that identifies a transaction for a merchant;
sending, by the point-of-sale device, the transaction identifier to a mobile computing device associated with a customer;
receiving, from the mobile computing device, authorization information and an identifier of the mobile computing device;
in response to receiving the authorization information and the identifier of the mobile computing device, transmitting, by the point-of-sale device to a financial institution computing device, the transaction identifier and the identifier of the mobile computing device,
wherein the financial institution computing device sends a confirmation request to the mobile computing device using the transaction identifier and the identifier of the mobile computing device; and
receiving, by the point-of-sale device, a transaction confirmation that funds were transferred from a customer account of the customer to a merchant account of the merchant.