US 11,810,095 B1
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 Feb. 19, 2013, as Appl. No. 13/770,160.
Claims priority of provisional application 61/600,675, filed on Feb. 19, 2012.
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)] 12 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, 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 having been encoded into an image by the payee 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 a first one of the payors, the information including at least 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;
transferring the first payment amount from the first one of the payors to the payee; 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,
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,
providing, via the server computer system, an indication to the payors of a remaining portion of the base payment, in response to the base payment for the transaction not being collected in full from the payors,
receiving, at the server computer system, information corresponding to the image at via the network from a mobile device of a second one of the payors, the information including at least the transaction identifier and a second payment amount such that the second payment amount includes at least a share of the base payment attributed to the second one of the payors, and
transferring the second payment amount from the second one of the payors to the payee.