SPLIT GROUP PAYMENTS THROUGH A SHARABLE UNIFORM RESOURCE LOCATOR ADDRESS FOR A GROUP

• US 20170185989A1
• Filed: 12/28/2015
• Published: 06/29/2017
• Est. Priority Date: 12/28/2015
• Status: Abandoned Application

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Bozovich, JR., David Paul
• Application Number:
  US14/981,758
• Publication Number:
  US 20170185989A1
• Time in Patent Office: Days
• CPC Class Codes: G06F 16/9566 URL specific, e.g. using aliases, detecting broken or misspelled links
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer

Abstract

There are provided systems and methods for split group payments through a sharable uniform locator address for a group. A group of payee users may be owed money by another payer user or group of other payer users. The group of payees may request a payment provider to generate a uniform resource locator (URL) address for the group that directs the payer(s) to a payment interface for providing a payment to the payees through the payment provider. Additionally, the payees may provide a payment breakdown for the group payment, which includes a share of the group payment owed to each payee, The payment provider may generate a URL address for the payment interface, which may be provided to the payers to direct the payers to the payment interface for the group payment. The payers may then provide a payment request using the payment interface.

Claims

1. A payment provider system, comprising:

a non-transitory memory storing payment account information for a plurality of payment accounts, wherein the plurality of payment accounts comprise a first payee account for a first payee, a second payee account for a second payee, and at least one payer account for at least one payer; and

one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising;

receiving a first request to establish a group payment to at least the first payee and the second payee, wherein the first request comprises a first payment share of the group payment for the first payee and a second payment share of the group payment to the second payee;

generating a uniform resource locator (URL) address for the group payment using the first request, wherein the URL address provides access to a payment interface for the group payment;

providing the URL address for use by the first payee and the second payee to receive the group payment;

receiving a first payment request from the at least one payer for the group payment using the at least one payer account, wherein the first payment request is received by the payment provider system through the payment interface accessible using the URL address; and

processing the first payment request to provide a first payment to the first payee account based on the first payment share and a second payment to the second payee account based on the second payment share.

2. The system of claim 1, wherein the one or more hardware processors are further configured to read instructions from the non-transitory memory to cause the system to perform further operations comprising:

receiving a second payment request from at least one additional payer for the group payment; and

processing the second payment request to provide a third payment to the first payee account based on the first payment share and a fourth payment to the second payee account based on the second payment share.

3. The system of claim 1, wherein the one or more hardware processors are further configured to read instructions from the non-transitory memory to cause the system to perform further operations comprising:

receiving a second request to change the first payment share and the second payment share; and

updating the first payment share to a first new shared amount of the group payment; and

updating the second payment share to a second new shared amount of the group payment.

4. The system of claim 1, wherein the one or more hardware processors are further configured to read instructions from the non-transitory memory to cause the system to perform further operations comprising:

establishing a group payment account for the group payment,

wherein the first payment request is processed to receive a deposit for the first payment and the second payment in the group payment account.

5. The system of claim 4, wherein the first payee and the second payee is provided access to the group payment account by the payment provider system, wherein the first payee is allowed to withdraw up to the first payment share from the deposit in the group payment account, and wherein the second payee is allowed to withdraw up to the second payment share from the deposit the in group payment account.

6. The system of claim 4, wherein the processing the first payment request further comprises transferring the first payment for the first payment share to the first payee account from the group payment account and transferring the second payment for the second payment share to the second payee account from the group payment account.

7. The system of claim 1, wherein the at least one payer comprises a plurality of payers, wherein the at least one payer account comprises a plurality of payer accounts for the plurality of payers, wherein each of the plurality of payers owes a portion of the group payment, and wherein the first payment request is for a first amount owed by a first payer of the plurality of payers.

8. The system of claim 7, wherein the one or more hardware processors are further configured to read instructions from the non-transitory memory to cause the system to perform further operations comprising:

receiving a second payment request from a second payer based on a second amount owed by the second payer.

9. The system of claim 1, wherein first payment request is for a first item, and wherein the one or more hardware processors are further configured to read instructions from the non-transitory memory to cause the system to perform further operations comprising:

receiving at least one further group payment for a second item for the group payment, wherein payment interface is updated with a further group payment for the second item.

10. The system of claim 1, wherein the URL address comprises a web address for a payment webpage on a website of the payment provider system, wherein the payment interface of the payment webpage displays information for the group payment, and wherein the payment interface includes a payment processing field to submit the first payment request.

11. The system of claim 1, wherein the URL address causes an application interface to be opened in a dedicated application of the payment provider system executing on a device of the at least one payer, wherein the payment interface in the application interface displays information for the group payment, and wherein payment interface includes a payment processing field to submit the first payment request using the dedicated application.

12. The system of claim 1, wherein the providing the URL address comprises communicating the URL address to at least one of the first payee and the second payee, and wherein the at least one of the first payee and the second payee communicates the URL address to the at least one payer for payment.

13. The system of claim 12, wherein the at least one of the first payee and the second payee communicates the URL address from a first device of the at least one of the first payee and the second payee to a second device of the at least one payer using one of SMS messaging, MMS messaging, email, instant messaging, social networking messaging, microblogging, and short range wireless communications.

14. The system of claim 1, wherein the providing the URL address comprises communicating the URL address to the at least one payer by the payment provider system on request by at least one of the first payee and the second payee.

15. A method comprising:

receiving, by a payment provider system that comprises one or more hardware processors coupled to a non-transitory memory, a first request to establish a group payment to at least the first payee and the second payee, wherein the first request comprises a first payment share of the group payment for the first payee and a second payment share of the group payment to the second payee, and wherein the payment provider system provides a first payee account for the first payee and a second payee account for the second payee;

generating a uniform resource locator (URL) address for the group payment using the first request, wherein the URL address provides access to a payment interface for the group payment;

providing the URL address for use by the first payee and the second payee to receive the group payment;

receiving a first payment request from at least one payer for the group payment using .at least one payer account for the at least one payer, wherein the first payment request is received by the payment provider system through the payment interface accessible using the URL address; and

processing the first payment request to provide a first payment to the first payee account based on the first payment share and a second payment to the second payee account based on the second payment share.

16. The method of claim 15, wherein the payment interface comprises an setup process to establish payment accounts with the payment provider system, and wherein the at least one payer uses the setup process to establish the at least one payer account used to submit the first payment request.

17. The method of claim 15, wherein the at least one payer account comprises a debit card, a credit card, and a banking account with a financial institution other than the payment provider system.

18. The method of claim 15, wherein the first payment share and the second payment share are equal by default in the first request, and wherein the payment provider system provides a group payment interface to adjust a first amount of the first payment share and a second amount of the second payment share.

19. The method of claim 15, wherein the first request further comprises a payment breakdown for at least one item purchased by the first payee and the second payee, and wherein the method further comprises:

determining the first payment share and the second payment share using the payment breakdown, wherein the payment breakdown comprises a first contribution to the at least one item by the first payee and a second contribution to the at least one item by the second payee.

20. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

receiving, by a payment provider system that comprises one or more hardware processors coupled to a non-transitory memory, a first request to establish a group payment to at least the first payee and the second payee, wherein the first request comprises a first payment share of the group payment for the first payee and a second payment share of the group payment to the second payee, and wherein the payment provider system provides a first payee account for the first payee, a second payee account for the second payee, and at least one payer account for at least one payer;

generating a uniform resource locator (URL) address for the group payment using the first request, wherein the URL address provides access to a payment interface for the group payment;

providing the URL address for use by the first payee and the second payee to receive the group payment;

receiving a first payment request from the at least one payer for the group payment using the at least one payer account, wherein the first payment request is received by the payment provider system through the payment interface accessible using the URL address; and

processing the first payment request to provide a first payment to the first payee account based on the first payment share and a second payment to the second payee account based on the second payment share.