US 12,088,575 B2
Systems and method for receiving information among computer systems without enabling log ins if the user identifiers are compromised
William Page, 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. 29, 2023, as Appl. No. 18/478,520.
Application 18/478,520 is a continuation of application No. 17/929,996, filed on Sep. 6, 2022, granted, now 11,811,745.
Application 17/929,996 is a continuation of application No. 13/686,688, filed on Nov. 27, 2012, granted, now 11,438,320, issued on Sep. 6, 2022.
Claims priority of provisional application 61/563,814, filed on Nov. 27, 2011.
Prior Publication US 2024/0048546 A1, Feb. 8, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/40 (2022.01)
CPC H04L 63/08 (2013.01) 18 Claims
OG exemplary drawing
 
1. A method of operating a server to facilitate transferring of data from a first account at a first computer system to a second account at a second computer system, the server being separate from at least one of the first computer system and the second computer system, the method comprising:
receiving, from the second computer system, a transfer request including a destination account identifier, in response to a request to perform the transferring of the data from the first account to the second account, the destination account identifier that uniquely identifies a user of the second account but is not required by a user of the second computer system to log in as that user on the second computer system;
receiving, from the first computer system, a source account identifier of the first account that uniquely identifies the user of the first account on the first computer system but is not required by the first computer system from the user of the first computer system to log in as that user on the first computer system, and corresponds to the same person that the destination account identifier of the user of the second account uniquely identifies;
associating, at the server, the source account identifier of the first account and the destination account identifier of the user of the second account;
receiving, at the server, a request from the second computer system, the request requesting information from the first account and including the destination account identifier of the user of the second account;
identifying and providing, by the server, an outgoing request to the first computer system, the outgoing request including the source account identifier of the first account;
receiving, at the server, information from the first computer system responsive to the outgoing request; and
forwarding, by the server, the information received from the first computer system to the second computer system to enable the second computer system to associate the information forwarded by the server with the second account.