IP Library › Granted Patent US 12712880
Granted Patent B2
US 12712880 · App. 18/366,957 · Granted Aug 18, 2026

System and method for providing a web service using a mobile device capturing dual images

Inventors: Jay Desai (San Francisco, CA); Konstantinos P. Konstantinides (Martinez, CA); Suwat Phruksawan (Pleasant Hill, CA); Toby R. Kendall (San Francisco, CA); Patrick C. Mcgraw (Round Rock, TX); Dominic E. Caudell (Austin, TX); Valery Zubovsky (San Francisco, CA); Charles E. Gotlieb (San Juan, PR)
Assignee: CHARLES SCHWAB & CO., INC.
H04L63/102H04L63/0853H04L63/0861H04L67/146H04L63/083
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Quick Facts
Patent No.
US 12712880
App. No.
18/366,957
Granted
Aug 18, 2026
Kind
B2
Abstract

A system and method provides access to one or more web services requested from a web site by using an app on a smart device, such as a smart phone or tablet, or the smart device itself.

Claims (44)

1 . A method of authenticating a user, the method comprising:

transmitting, to a first user device, a request to authenticate a user for a web service, the request including a first unique identifier;

receiving, from a second user device, an authentication response based on successful authentication of the user;

receiving a decoded capture of the first unique identifier from the second user device;

authenticating the decoded capture of the first unique identifier;

providing a second unique identifier to the first user device;

receiving a decoded capture of the second unique identifier from the second user device; and

granting access to the web service after the authenticating the decoded capture of the first unique identifier and confirmation that the decoded capture of the second unique identifier is valid.

2 . The method of claim 1 , wherein at least one of the first unique identifier or the second unique identifier is an image.

3 . The method of claim 1 , wherein at least one of the first unique identifier or the second unique identifier is an audible identifier.

4 . The method of claim 1 , further comprising:

invalidating the first unique identifier if the decoded capture is not authenticated.

5 . The method of claim 1 , wherein the first unique identifier is different from the second unique identifier.

6 . The method of claim 1 , further comprising:

receiving, from the user, identification information for a user login;

after receiving the identification information from the user, receiving a token and one or more pieces of information identifying the user from the second user device; and

comparing the one or more pieces of information identifying the user to the identification information.

7 . The method of claim 6 , wherein

if the one or more pieces of information identifying the user match the identification information, registering the token with the second user device; and

if the one or more pieces of information identifying the user do not match the identification information, outputting an indication that the user has not been authenticated.

8 . The method of claim 7 , wherein transmitting, to the first user device, the request to authenticate the user for the web service occurs after the token is registered with the first user device.

9 . A system for authenticating a user, the system comprising:

at least one processor; and

at least one memory storing instructions that when executed by the at least one processor cause the system to perform

transmitting, to a first user device, a request to authenticate a user for a web service, the request including a first unique identifier,

receiving, from a second user device, an authentication response based on successful authentication of the user,

receiving a decoded capture of the first unique identifier from the second user device,

authenticating the decoded capture of the first unique identifier,

providing a second unique identifier to the first user device,

receiving a decoded capture of the second unique identifier from the second user device, and

granting access to the web service after the authenticating the decoded capture of the first unique identifier and confirmation that the decoded capture of the second unique identifier is valid.

10 . The system of claim 9 , wherein at least one of the first unique identifier or the second unique identifier is an image.

11 . The system of claim 9 , wherein at least one of the first unique identifier or the second unique identifier is an audible identifier.

12 . The system of claim 9 , wherein the system is further caused to perform:

invalidating the first unique identifier if the decoded capture is not authenticated.

13 . The system of claim 9 , wherein the first unique identifier is different from the second unique identifier.

14 . The system of claim 9 , wherein the system is further caused to perform:

receiving, from the user, identification information for a user login;

after receiving the identification information from the user, receiving a token and one or more pieces of information identifying the user from the second user device; and

comparing the one or more pieces of information identifying the user to the identification information.

15 . The system of claim 14 , wherein

if the one or more pieces of information identifying the user match the identification information, registering the token with the second user device; and

if the one or more pieces of information identifying the user do not match the identification information, outputting an indication that the user has not been authenticated.

16 . The system of claim 15 , wherein transmitting, to the first user device, the request to authenticate the user for the web service occurs after the token is registered with the first user device.