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NETWORK OF TRUST FOR BILL SPLITTING

  • US 20200134600A1
  • Filed: 10/24/2018
  • Published: 04/30/2020
  • Est. Priority Date: 10/24/2018
  • Status: Active Grant
First Claim
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1. A device configured to perform bill splitting with at least one external user device, the device comprising:

  • a processor;

    a wireless transceiver in communication with the processor; and

    a non-transitory memory storing instructions that, when executed by the processor, cause the processor to execute a banking application and thereby perform processing comprising;

    detecting, using the wireless transceiver, at least one external user device in communication range of the device;

    sending, by the wireless transceiver, a challenge to the at least one external user device in response to the detecting;

    receiving, by the wireless transceiver, at least one external user device identifier from the at least one external device in response to the challenge;

    receiving, by the wireless transceiver, a second challenge from the at least one external user device;

    generating a response by processing the second challenge;

    sending, by the wireless transceiver, the response to the at least one external device in response to the second challenge;

    receiving, by the wireless transceiver, a confirmation of receiving the at least external user device identifier from the at least one external user device;

    in response to receiving the at least one external user device identifier and the confirmation, establishing the at least one external user device as a member of a network of trust with the device;

    initiating a transaction designating a bill paid by the transaction;

    in response to the establishing, sending, by the wireless transceiver, a request to split the bill to the at least one external user device in communication range of the device;

    receiving, at the wireless transceiver, at least one sharing confirmation from the at least one external user device, the at least one sharing confirmation indicating at least one portion of a total value of the bill to be paid by at least one account associated with the at least one external user device;

    generating a transaction request, the transaction request comprising data describing the transaction and a bill portion to be paid by an account associated with the device, the bill portion being the total value minus the at least one portion from the at least one external user device; and

    sending the transaction request to a transaction service for fulfillment.

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