US 12,112,308 B2
Systems and methods for generating a shared payment via voice-activated computing devices
Rick Unnerstall, O'Fallon, MO (US); Zhenni Hu, O'Falllon, MO (US); Brian Williams, St. Peters, MO (US); and Christopher Eric Mullen, St. Peters, MO (US)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed on Dec. 23, 2022, as Appl. No. 18/146,050.
Application 18/146,050 is a continuation of application No. 16/272,957, filed on Feb. 11, 2019, granted, now 11,538,012.
Prior Publication US 2023/0130316 A1, Apr. 27, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/22 (2012.01); G06F 3/16 (2006.01); G06Q 20/30 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G10L 15/22 (2006.01)
CPC G06Q 20/227 (2013.01) [G06F 3/167 (2013.01); G06Q 20/308 (2020.05); G06Q 20/385 (2013.01); G06Q 20/401 (2013.01); G10L 15/22 (2013.01); G10L 2015/223 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A data controller (DC) computing device for making a shared payment group purchase over a payment network, the DC computing device comprising a processor and a memory, the DC computing device communicatively coupled to a database and configured to:
receive, from a voice-controlled (VC) computing device, a shared payment initialization request identifying a primary user payment account associated with a primary user of the VC computing device;
create a shared payment account identifier linked in the database to the primary user payment account;
link a secondary user payment account to the shared payment account identifier in the database;
associate a validity period with the shared payment account identifier in the database;
transmit, to the VC computing device, a single payment instrument comprising the shared payment account identifier having a form and appearance of a payment account identifier associated with a single user payment account and suitable for submission by merchants through the payment network for payment card transactions, wherein the shared payment account identifier enables the payment network to detect that transaction authorization requests associated with the shared payment account identifier need to be routed to the DC computing device;
receive, via the payment network, a single transaction authorization request initiated by a merchant computing device associated with the merchant and transmitted to the payment network, the single transaction authorization request including the shared payment account identifier as the single payment instrument for a transaction, a merchant identifier associated with the merchant for the transaction, and a transaction amount;
split the transaction amount into respective portions allocable to the primary user account and the secondary user payment account linked to the shared payment account identifier;
validate a transaction date of the transaction authorization request against the validity period;
generate a first substitute authorization request including the primary user payment account and the respective portion of the transaction amount attributed to the primary user account;
generate a second substitute authorization request including the secondary user payment account and the respective portion of the transaction amount attributed to the secondary user account; and
apply the respective portions of the transaction amount against each of the primary user account and the secondary user payment account linked to the shared payment account identifier.