SYSTEMS AND METHODS FOR SPLITTING A BILL ASSOCIATED WITH A RECEIPT

• US 20140164234A1
• Filed: 12/11/2013
• Published: 06/12/2014
• Est. Priority Date: 12/12/2012
• Status: Abandoned Application

• Current Assignee: Capital One Financial Corporation
• Original Assignee: 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
• Application Number:
  US14/103,743
• Publication Number:
  US 20140164234A1
• Time in Patent Office: Days
• US Class Current: 705/40
• 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,

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

identifying a set of purchasers for paying the bill associated with the receipt,

determining a payment amount for each identified purchaser based on the itemized list of the one or more purchased items or services, wherein the payment amount for each identified purchaser is a proportion of the total monetary amount of the bill, and

providing an interface that allows at least one purchaser to make an electronic payment for the at least one purchaser'"'"'s proportional payment amount.

2. The system of claim 1, wherein the operations 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 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 the operations further include receiving a selection from a user that identifies the set of purchasers for paying the bill associated with the receipt.

5. The system of claim 4, wherein the operations further include receiving a selection from a user that identifies how the bill is to be split among the identified set of purchasers.

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. The system of claim 1, wherein the operations further include providing integrations with at least one social networking site.

8. 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;

identifying, by the one or more processors, a set of purchasers for paying the bill associated with the receipt;

determining, by the one or more processors, a payment amount for each identified purchaser based on the itemized list of the one or more purchased items or services, wherein the payment amount for each identified purchaser is a proportion of the total monetary amount of the bill; and

providing, by the one or more processors, an interface that allows at least one purchaser to make an electronic payment for the at least one purchaser'"'"'s proportional payment amount.

9. The method of claim 8, further comprising parsing the receipt information to extract website address information relating to a survey from the receipt information.

10. The method of claim 9, further comprising providing a website link to a website associated with the survey based on the extracted website address information.

11. The method of claim 8, further comprising receiving a selection from a user that identifies the set of purchasers for paying the bill associated with the receipt.

12. The method of claim 11, further comprising receiving a selection from a user that identifies how the bill is to be split among the identified set of purchasers.

13. The method of claim 8, further comprising receiving the receipt information in at least one of a plurality of formats, the plurality of formats comprising barcode and image formats.

14. The method of claim 8, further comprising providing integrations with at least one social networking site.

15. A non-transitory computer readable medium storing instructions that, when executed by a processor, cause the processor to:

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

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

identify a set of purchasers for paying the bill associated with the receipt;

determine a payment amount for each identified purchaser based on the itemized list of the one or more purchased items or services, wherein the payment amount for each identified purchaser is a proportion of the total monetary amount of the bill; and

provide an interface that allows at least one purchaser to make an electronic payment for the at least one purchaser'"'"'s proportional payment amount.

16. The medium of claim 15, wherein the instructions further cause the processor to parse the receipt information to extract website address information relating to a survey from the receipt information.

17. The medium of claim 16, wherein the instructions further cause the processor to provide a website link to a website associated with the survey based on the extracted website address information.

18. The medium of claim 15, wherein the instructions further cause the processor to receive a selection from a user that identifies the set of purchasers for paying the bill associated with the receipt.

19. The medium of claim 18, wherein the instructions further cause the processor to receive a selection from a user that identifies how the bill is to be split among the identified set of purchasers.

20. The medium of claim 15, wherein the instructions further cause the processor to receive the receipt information in at least one of a plurality of formats, the plurality of formats comprising barcode and image formats.