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Apportioning a payment card transaction among multiple payers

  • US 10,621,563 B1
  • Filed: 01/07/2014
  • Issued: 04/14/2020
  • Est. Priority Date: 12/27/2013
  • Status: Active Grant
First Claim
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1. A method comprising:

  • receiving, by a processor of a computer system operated by a third-party payment service, a first message sent from a point-of-sale system via a first network, wherein the first message is indicative of a request for approval of a payment transaction between a consumer and a merchant, in which a payment object associated with a first financial account of the consumer is used, the first message including a transaction amount for the payment transaction, and wherein the third-party payment service is not the merchant, the consumer, or an issuer of the payment object;

    receiving, by the processor, a merchant category code (MCC) associated with the point-of-sale system;

    determining, by the processor, a type of merchant associated with the point-of-sale system based on the MCC provided by the point-of-sale system;

    based on the determined type of merchant, identifying, by the processor, the first financial account of the consumer and a second financial account of the merchant, and causing, by the processor, a first electronic transfer of funds to the second financial account of the merchant from the first financial account of the consumer; and

    further based on the determined type of merchant, executing steps including;

    determining, by the processor, information usable to communicate with a mobile device associated with the consumer, based on stored data representing an association previously created by the consumer between the payment object and the mobile device;

    causing, by the processor, a second message to be sent to the mobile device associated with the consumer via a second network;

    including, by the processor in the second message, an indicator indicating whether or not to prompt the consumer to specify an apportionment of the transaction amount among a plurality of financial accounts, wherein each financial account of the plurality of financial accounts is associated with a different person of a plurality of persons, the plurality of financial accounts including at least the first financial account of the consumer and a third financial account of a person other than the consumer, wherein the indicator corresponds to the determination of the type of merchant based on the MCC, wherein the second message is generated, based on the determined type of merchant, causing the mobile device to output a suggestion of one or more persons of the plurality of persons among whom the transaction amount is to be apportioned, and wherein the second message is generated further causing the mobile device to output to the consumer one of;

    a user interface for enabling the consumer to apportion the transaction amount by at least one of;

    an amount, a percentage of the transaction amount, or items included in the payment transaction; and

    an itemization indicating items included in the payment transaction, and for enabling the consumer to apportion a cost of any of said items to a specified person;

    based on the indicator included in the second message, receiving a third message at the processor, wherein the third message is representative of a wireless message transmitted from the mobile device via the second network in response to the consumer having specified the apportionment of the transaction amount at the mobile device, the third message including data indicative of the apportionment of the transaction amount and the third financial account of the person other than the consumer; and

    in response to the third message and based on the data indicative of the apportionment of the transaction amount, executing, by the processor, a second electronic transfer of funds to the first financial account of the consumer from the third financial account of the person other than the consumer.

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