| CPC G06Q 20/102 (2013.01) [G06Q 20/3255 (2013.01); G06Q 20/4014 (2013.01)] | 20 Claims |
|
1. A computer-implemented method for splitting a transaction, comprising:
receiving, by one or more computer processors, from a payment network, transaction information specifying the transaction, after the transaction has been processed by the payment network based on payment account information of a payment account associated with a first user, wherein the transaction information includes at least one of merchant information, location information, time information, a transaction amount, or merchant point of sale system information;
transmitting, by the one or more computer processors, the transaction information to a first user device associated with the first user, via a communication network communicatively coupling the first user device and the one or more computer processors, wherein the first user device comprises a camera and is configured to:
receive the transaction information from the one or more computer processors via the communication network;
display on the first user device a split option query user interface based on the transaction information, the split option query user interface presenting a split option control by which the first user may indicate that the transaction should be split; and
based on an affirmative input to the split option control:
acquire a picture of a bill or receipt associated with the transaction via the camera;
populate a split request adjustment user interface, displayed by the first user device, with values based on the transaction information and the picture of the bill or receipt, the values including automatically generated suggested payment amounts each corresponding to either the first user or to one of one or more other parties;
display, on the first user device, the split request adjustment user interface, including manual adjustment controls by which the first user may enter one or more requested payment amount inputs to manually adjust the suggested payment amounts to create corresponding one or more requested payment amounts; and
display, on the first user device, a Quick Response (QR) code corresponding to the transaction after creating the one or more requested payment amounts;
receiving, by the one or more computer processors, from the first user device, via the communication network, based on the one or more requested payment amount inputs from a to the split request adjustment user interface, split request information corresponding to the transaction, wherein the split request information specifies how to split the transaction with the one or more other parties, the split request information including the one or more requested payment amounts and identifiers for corresponding ones of the one or more other parties;
generating, by the one or more computer processors, based on the split request information, including the one or more requested payment amounts, a split request webpage,
wherein the QR code encodes a split request link to the split request webpage,
wherein the first user device is further configured to send sending, the split request link to a second user device, associated with a second user from among the one or more other parties, based on the split request information, via the QR code as displayed on the first user device,
wherein, when the split request webpage is rendered in a web browser of the second user device, the split request webpage comprises:
respective input fields for each of the one or more other parties, including a respective payer account identifier field and a requested payment amount fields that is initially populated with a corresponding one of the one or more requested payment amounts,
a manual adjustment control of a user interface of the web browser of the second user device configured to receive a manual adjustment of one of the one or more requested payment amounts, wherein the manual adjustment comprises an adjustment to an amount of the transaction the second user will pay, to create a corresponding one of actual payment amounts associated with the transaction, and
an input of the user interface of the web browser of the second user device configured to receive an entry of a payer account identifier of the second user;
sending, by the one or more computer processors, the split request webpage to the second user device;
receiving, by the one or more computer processors, based on the input of the user interface of the web browser of the second user device after rendering the split request webpage, the payer account identifier of the second user and the corresponding one of the actual payment amounts for the second user;
sending, by the one or more computer processors, a payment request for the corresponding one of the actual payment amounts for the second user to a payer account corresponding to the payer account identifier of the second user; and
instructing, by the one or more computer processors, transfer of monetary assets in the corresponding one of the actual payment amounts for the second user from a payment account associated with the second user to the payment account associated with the first user.
|