Itemized receipts and digital payments system and methods

• US 10,540,646 B2
• Filed: 10/25/2016
• Issued: 01/21/2020
• Est. Priority Date: 06/22/2011
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Schlosser, Ryan A., Lieberman, Alex, Zheng, Michelle Y.
• Primary Examiner(s): Crawley, Talia F
• Application Number:
  US15/333,571
• Publication Number:
  US 20180025340A1
• Time in Patent Office: 1,183 Days
• CPC Class Codes: G06Q 20/045 using payment protocols involving tickets
• CPC Class Codes: G06Q 20/209 Specified transaction journal output feature, e.g. printed receipt or voice output
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/29 characterised by micropayments
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 50/12 Hotels or restaurants
• CPC Class Codes: H04N 7/185 from a mobile camera, e.g. for remote control

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.

Claims

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.

2. The method of claim 1, further comprising capturing the receipt image with a mobile device.

3. The method of claim 1, wherein the interactive user interface display may utilize augmented reality technology.

4. The method of claim 1, wherein transforming the captured receipt image to receipt data comprises performing optical character recognition.

5. The method of claim 1, wherein transforming the captured receipt image to receipt data comprises receiving an itemized list of items purchased from the merchant.

6. The method of claim 1, wherein the itemized list of items purchased is sent automatically to the interactive user interface.

7. The method of claim 1, wherein the purchases correspond to items on a restaurant bill.

8. The method of claim 1, further comprising facilitating online payment in real time through the payment interface directly to the merchant.

9. The method of claim 1, further comprising generating a reimbursement request requesting each purchaser to reimburse the payer for the amount due from the purchaser upon receipt of a payment request.

10. The method of claim 1, further comprising storing the purchase data and receipt image in an expense management system.

11. The method of claim 1, further comprising providing a reimbursement request interface for selecting purchasers.

12. The method of claim 11, wherein the system automatically generates reimbursement requests based on the payer'"'"'s allocation.

13. The method of claim 1, further comprising matching the receipt image and purchase data with a POS transaction record and storing the information in an expense management system.

14. The method of claim 1, further comprising uploading pictures, reviews, and ratings of the items or the merchants by utilizing the interactive user interface.

15. The method of claim 1, wherein the setting is automatically set by the payer'"'"'s GPS location, Bluetooth Low Energy, iBeacon, or Bluetooth 4.0 technology.

16. A computer-implemented expense splitting system for allowing a payer to divide expenses among multiple purchasers, the system comprising:

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.

17. The system of claim 16, further comprising capturing the receipt image with a mobile device.

18. The system of claim 16, wherein the interactive user interface display may utilize augmented reality technology.

19. The system of claim 16, wherein transforming the captured receipt image to receipt data comprises performing optical character recognition.

20. The system of claim 16, wherein transforming the captured receipt image to receipt data comprises receiving an itemized list of items purchased from the merchant.

21. The system of claim 16, wherein the itemized list of items purchased is sent automatically to the interactive user interface.

22. The system of claim 16, wherein the purchases correspond to items on a restaurant bill.

23. The system of claim 16, further comprising facilitating online payment in real time through the payment interface.

24. The system of claim 16, further comprising triggering the reimbursement requests upon receipt of a payment request.

25. The system of claim 16, further comprising storing the purchase data and receipt image in an expense management system.

26. The system of claim 16, further comprising providing a reimbursement request interface for selecting purchasers.

27. The system of claim 26, wherein the system automatically generates reimbursement requests based on allocation.

28. The system of claim 16, further comprising matching the receipt image and purchase data with a POS transaction record and storing the information in an expense management system.

29. The system of claim 16, wherein the interactive user interface is utilized for uploading pictures, reviews, and ratings of the items or the merchants.

30. The system of claim 16, wherein the setting is automatically set by the payer'"'"'s GPS location, Bluetooth Low Energy, iBeacon, or Bluetooth 4.0 technology.

31. 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 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.

32. The method of claim 31, wherein transforming the captured receipt image to receipt data comprises receiving an itemized list of items purchased from the merchant.

33. The method of claim 31, further comprising facilitating generation of reports illustrating an expense breakdown, wherein the reports are generated based on user preferences.

34. The method of claim 31, further comprising importing the receipt image from the mobile device having image capture capabilities.

35. The method of claim 31, further comprising implementing optical character recognition for transforming the receipt image to receipt data.

36. The method of claim 31, further comprising providing an interface for tagging the receipt data across receipt characteristics.

37. The method of claim 31, further comprising categorizing each receipt image into one of multiple categories.