Itemized receipts and digital payments system and methods
First Claim
1. A computer-implemented expense splitting method for allowing a payer to divide expenses among multiple purchasers, the method comprising:
- storing, in at least one computer memory, payer data and expense splitting instructions;
accessing the computer memory with at least one computer processor and executing the instructions to perform steps including;
transforming a captured receipt image to purchase data;
storing the captured receipt image format in a receipt vault;
providing an interactive user interface displaying a setting wherein a payer chooses a location at the setting and a merchant'"'"'s entries corresponding to purchases;
allowing the payer to unilaterally change, by utilizing the interactive user interface, an incorrect price listed on the captured receipt image to a correct price;
automatically sending a request for approval from the merchant regarding the change made to the captured receipt image via the interactive user interface;
automatically receiving a real-time notification of approval from the merchant via the interactive user interface;
allocating a percentage or monetary amount of each entry to at least one purchaser based on the tagging or setting;
calculating an amount due from each purchaser based on the allocation;
automatically providing a real-time alert/notification on any further changes made to the captured receipt image; and
providing a payment interface for allowing online payment from the payer for a total or partial amount of purchase.
1 Assignment
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Accused Products
Abstract
Embodiments of the invention are directed to a computer-implemented expense splitting method and system for allowing a payer to divide expenses among multiple purchasers with merchant integration. The method may include storing, in at least one computer memory, payer data and expense splitting instructions and accessing the computer memory with at least one computer processor and executing the instructions to perform multiple steps. The steps may include converting a captured receipt image to purchase data and providing a user interface displaying entries corresponding to purchases, and further providing a tagging option for tagging each of the entries with an indicator of at least one purchaser identity. The steps may also include storing the receipt data and format for easy receipt capture on a subsequent purchase.
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Citations
37 Claims
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1. A computer-implemented expense splitting method for allowing a payer to divide expenses among multiple purchasers, the method comprising:
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storing, in at least one computer memory, payer data and expense splitting instructions; accessing the computer memory with at least one computer processor and executing the instructions to perform steps including; transforming a captured receipt image to purchase data; storing the captured receipt image format in a receipt vault; providing an interactive user interface displaying a setting wherein a payer chooses a location at the setting and a merchant'"'"'s entries corresponding to purchases; allowing the payer to unilaterally change, by utilizing the interactive user interface, an incorrect price listed on the captured receipt image to a correct price; automatically sending a request for approval from the merchant regarding the change made to the captured receipt image via the interactive user interface; automatically receiving a real-time notification of approval from the merchant via the interactive user interface; allocating a percentage or monetary amount of each entry to at least one purchaser based on the tagging or setting; calculating an amount due from each purchaser based on the allocation; automatically providing a real-time alert/notification on any further changes made to the captured receipt image; and providing a payment interface for allowing online payment from the payer for a total or partial amount of purchase. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A computer-implemented expense splitting system for allowing a payer to divide expenses among multiple purchasers, the system comprising:
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at least one computer memory storing payer data and expense splitting instructions; at least one computer processor accessing the computer memory and executing the instructions to perform steps including; transforming a captured receipt image to purchase data; storing the captured receipt image format in a receipt vault; providing an interactive user interface displaying a setting wherein a payer chooses a location at the setting, and a merchant'"'"' s entries corresponding to purchases, and further providing a tagging option for tagging each of the entries with an indicator of at least one purchaser identity; allowing the payer to unilaterally change, by utilizing the interactive user interface, an incorrect price listed on the captured receipt image to a correct price; automatically sending a request for approval from the merchant regarding the change made to the captured receipt image via the interactive user interface; automatically receiving a real-time notification of approval from the merchant via the interactive user interface; allocating a percentage or monetary amount of each entry to at least one purchaser based on the tagging or setting; calculating an amount due from each purchaser based on the allocation; automatically providing a real-time alert/notification on any further changes made to the captured receipt image; and providing a payment interface for allowing online payment from the payer for a total or partial amount of purchase. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30)
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31. A computer-implemented expense splitting method for allowing a payer to divide expenses among multiple purchasers, the method comprising:
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storing, in at least one computer memory, payer data and expense splitting instructions; accessing the computer memory with at least one computer processor and executing the instructions to perform steps including; transforming a captured receipt image on a mobile device to purchase data; creating a record of the expenses in an expense management system, wherein creating a record includes, matching the purchase data for each captured receipt image with a corresponding POS transaction record, categorizing the purchase data into one of multiple categories, and storing the purchase data in a receipt vault; automatically providing a real-time alert/notification on any changes made to the captured receipt image; providing a user interface on the mobile device displaying entries corresponding to purchases, and further providing an option for altering the entries, or uploading photos or ratings for each of the entries; allowing the payer to unilaterally change, by utilizing the user interface, an incorrect price listed on the captured receipt image to a correct price; automatically sending a request for approval from a merchant regarding the change made to the captured receipt image via the user interface; and automatically receiving a real-time notification of approval from the merchant via the user interface. - View Dependent Claims (32, 33, 34, 35, 36, 37)
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Specification