Systems and methods for splitting a bill associated with a receipt

• US 10,579,976 B2
• Filed: 06/06/2017
• Issued: 03/03/2020
• Est. Priority Date: 12/12/2012
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Coffman, Ben M., Brennan, Dennis S., Just, Richard S., O'Brien, Joseph, Shea, Katharine Anne, Fearson, Bryan, Austen, Timothy J., Webb, Shaun, Sheehan, Nicholas
• Primary Examiner(s): King, Joseph W.
• Application Number:
  US15/615,220
• Publication Number:
  US 20170270500A1
• Time in Patent Office: 1,001 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 50/01 Social networking

Abstract

Systems and processes are disclosed for providing bill splitting processes for splitting a bill amount among a set of purchasers. In one example, the disclosed embodiments may receive receipt information reflecting a bill to be split among a group of purchasers. The disclosed embodiments may parse the receipt information to extract one or more items or services having monetary value and generate a list of the items or services included in the receipt. The disclosed embodiments may also identify the group of purchasers that will participate in paying a proportion of the bill associated with the receipt. Further, disclosed embodiments may be configured to determine a proportion of payment of the total amount of the bill for each purchaser in the group of purchasers. In addition, the disclosed embodiments may be configured to provide mechanisms that enable at least one purchaser to provide payment for the at least one purchaser'"'"'s payment amount for the bill, such as providing interfaces that allow the user to pay electronically using e-commerce payment systems or financial service products.

Claims

1. A system for providing receipt splitting processes, comprising:

a processor; and

a storage device storing instructions that, when executed by the processor, cause the system to perform operations comprising;

receiving receipt information reflecting a bill for one or more purchased items or services, the bill including a total monetary amount;

integrating with one or more social networking sites of a user;

obtaining from the one or more social networking sites location information for one or more individuals associated with the user;

determining location information indicating a location of the user;

identifying a subset of individuals present and associated with the user as candidate purchasers based at least on the location information of the user and the location information of the one or more individuals associated with the user,

wherein the candidate purchasers comprise one or more associated individuals located within a predetermined distance of the user;

transmitting, to the user, display data regarding information identifying the candidate purchasers;

receiving a selection of one or more purchasers identified from the display data, wherein the selected purchasers comprise one or more of the candidate purchasers; and

enabling the one or more selected purchasers to access an interface provided by the system that includes functionality to enable the one or more selected purchasers to make an electronic payment for a portion of the total monetary amount.

2. The system of claim 1, wherein the operations further include parsing the receipt information to extract website address information relating to a survey from the receipt information.

3. The system of claim 2, wherein the operations further include providing a website link to a website associated with the survey based on the extracted website address information.

4. The system of claim 1, wherein determining location information indicating the location of the user comprises requesting and receiving GPS location information from a GPS process.

5. The system of claim 1,

wherein the operations further include displaying data, to the user, regarding information identifying the user with the candidate purchasers;

and

wherein the selected purchasers further comprise the user.

6. The system of claim 1, wherein the operations further include receiving the receipt information in at least one of a plurality of formats, the plurality of formats comprising barcode and image formats.

7. A system for providing receipt splitting processes, comprising:

a processor; and

a storage device storing instructions that, when executed by the processor, cause the system to perform operations comprising;

receiving receipt information reflecting a bill for one or more purchased items or services, the bill including a total monetary amount;

generating an itemized list of the one or more purchased items or services based on the receipt information;

integrating with one or more social networking sites of a user;

obtaining from the one or more social networking sites location information for one or more individuals associated with the user;

determining location information indicating a location of the user;

identifying a subset of individuals present and associated with the user as candidate purchasers based at least on the location information of the user and the location information of the one or more individuals associated with the user,

wherein the candidate purchasers comprise one or more associated individuals located within a predetermined distance of the user;

transmitting, to the user, display data regarding information identifying the candidate purchasers;

receiving a selection of one or more purchasers identified from the display data, wherein the selected purchasers comprise one or more of the candidate purchasers; and

enabling the one or more selected purchasers to access an interface provided by the system that includes functionality to enable the one or more selected purchasers to make an electronic payment for an amount based on the itemized list.

8. The system of claim 7, wherein the operations further include parsing the receipt information to extract website address information relating to a survey from the receipt information.

9. The system of claim 7, wherein determining location information indicating the location of the user comprises requesting and receiving GPS location information from a GPS process.

10. The system of claim 7,

wherein the operations further include displaying, to the user, data regarding information identifying the user with the candidate purchasers;

and

wherein the selected purchasers further comprise the user.

11. The system of claim 7, wherein the operations further include receiving the receipt information in at least one of a plurality of formats, the plurality of formats comprising barcode and image formats.

12. A method for performing receipt splitting, comprising:

receiving, by one or more processors, receipt information reflecting a bill for one or more purchased items or services, the bill including a total monetary amount;

integrating, by the one or more processors, with one or more social networking sites of a user;

obtaining from the one or more social networking sites location information for one or more individuals associated with the user;

determining, by the one or more processors, location information indicating a location of the user;

identifying, by the one or more processors, a subset of individuals present and associated with the user as candidate purchasers based at least on the received location information of the user and the location information of the one or more individuals associated with the user,

wherein the candidate purchasers comprises one or more associated individuals located within a predetermined distance of the user;

transmitting, to the user, by the one or more processors, display data regarding information identifying the candidate purchasers;

receiving a selection of one or more purchasers identified from the display data, wherein the selected purchasers comprise one or more of the candidate purchasers; and

enabling, by the one or more processors, the one or more selected purchasers to access an interface provided by the one or more processors that includes functionality to enable the one or more selected purchasers to make an electronic payment for a portion of the total monetary amount.

13. The method of claim 12, further comprising parsing the receipt information to extract website address information relating to a survey from the receipt information.

14. The method of claim 12, wherein determining location information indicating the location of the user comprises requesting and receiving GPS location information from a GPS process.

15. The method of claim 12,

wherein the method further comprises displaying, to the user, data regarding information identifying the user with the candidate purchasers;

and

wherein the selected purchasers further comprise the user.

16. The method of claim 12, wherein the receipt information is in at least one of a plurality of formats, the plurality of formats comprising barcode and image formats.

17. A method for performing receipt splitting, comprising:

receiving, by one or more processors, receipt information reflecting a bill for one or more purchased items or services, the bill including a total monetary amount;

generating, by the one or more processors, an itemized list of the one or more purchased items or services based on the receipt information;

integrating, by the one or more processors, with one or more social networking sites of a user;

obtaining from the one or more social networking sites location information for one or more individuals associated with the user;

determining, by the one or more processors, location information indicating a location of the user;

identifying, by the one or more processors, a subset of individuals present and associated with the user as candidate purchasers based at least on the received location information of the user and the location information of the one or more individuals associated with the user,

wherein the candidate purchasers comprises one or more associated individuals located within a predetermined distance of the user;

transmitting, to the user, by the one or more processors, display data regarding information identifying the candidate purchasers;

receiving a selection of one or more purchasers identified from the display data, wherein the selected purchasers comprise one or more of the candidate purchasers; and

enabling, by the one or more processors, the one or more selected purchasers to access an interface provided by the one or more processors that includes functionality to enable the one or more selected purchasers to make an electronic payment for an amount based on the itemized list.

18. The method of claim 17, further comprising parsing the receipt information to extract website address information relating to a survey from the receipt information.

19. The method of claim 17, wherein determining location information indicating the location of the user comprises requesting and receiving GPS location information from a GPS process.

20. The method of claim 17,

wherein the method further comprises displaying, to the user, data regarding information identifying the user with the candidate purchasers;

and

wherein the selected purchasers further comprise the user.