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

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Koeppel, Adam R., Zarakas, James, Johnson, Molly, Locke, Tyler
• Granted Patent: US 11,842,331 B2
• Time in Patent Office: Days
• CPC Class Codes: G06F 21/445 by mutual authentication, e.g. between devices or programs
• CPC Class Codes: G06F 2221/2129 Authenticate client device independently of the user
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/80 Wireless
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04L 63/0869 for achieving mutual authentication cryptographic mechanisms or cryptographic arrangements for mutual authentication H04L9/3273
• CPC Class Codes: H04L 9/3239 involving non-keyed hash functions, e.g. modification detection codes [MDCs], MD5, SHA or RIPEMD
• CPC Class Codes: H04L 9/50 using hash chains, e.g. blockchains or hash trees
• CPC Class Codes: H04W 84/18 Self-organising networks, e.g. ad-hoc networks or sensor networks

Abstract

A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include sending, by the wireless transceiver, a request to share a transaction to at least one external user device in communication range of the device. The processing may include receiving, at the wireless transceiver, at least one sharing confirmation from the at least one external user device. The processing may include generating a transaction request. The transaction request may include data describing the transaction and a transaction portion to be paid by an account associated with the device. The processing may include sending the transaction request to a transaction service for fulfillment.

Claims

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.

2. The device of claim 1, wherein the processing further comprises sending a request for preauthorization of the account associated with the device to the transaction service.

6. The device of claim 1, wherein the at least one sharing confirmation comprises an indication of at least one user account into which at least one external user is logged in on the at least one external user device.

7. The device of claim 1, wherein the at least one sharing confirmation comprises a plurality of sharing confirmations received from a plurality of external user devices, each of the plurality of sharing confirmations including a separate portion of the total value of the transaction to be paid by the respective external user device.

8. The device of claim 1, wherein:

the device further comprises a user interface; and

the processing further comprises receiving, by the user interface, the transaction portion.

9. The device of claim 1, wherein:

the device further comprises a user interface; and

the processing further comprises receiving, by the user interface, a selection of the at least one external user device to which the request is sent from among a plurality of external user devices in communication range of the device.

3. (canceled)

4. (canceled)

5. (canceled)

10. A device configured to perform shared secure transactions, 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 perform processing comprising;

receiving, at the wireless transceiver, a request to share a transaction from an external user device in communication range of the device;

generating a sharing confirmation indicating a portion of a total value of the transaction to be paid by an account associated with the device;

sending, by the wireless transceiver, the sharing confirmation to the external user device;

generating a transaction request, the transaction request comprising data describing the transaction and the portion of the total value; and

sending the transaction request to a transaction service for fulfillment.

11. The device of claim 10, wherein:

the device further comprises a user interface; and

the processing further comprises receiving, by the user interface, approval of the sharing confirmation.

12. The device of claim 10, wherein:

the device further comprises a user interface; and

the processing further comprises receiving, by the user interface, the portion of the total value.

13. The device of claim 10, wherein the processing further comprises:

detecting, using the wireless transceiver, the external user device in communication range of the device; and

establishing trust between the device and the external user device.

14. The device of claim 13, wherein establishing trust comprises:

receiving, by the wireless transceiver, a challenge from the external user device;

generating a message comprising a device identifier for the device; and

sending, by the wireless transceiver, the message to the external user device in response to the challenge.

15. The system of claim 10, wherein the sharing confirmation comprises an indication of a user account into which user is logged in on the device.

16. (canceled)

17. (canceled)

18. (canceled)

19. (canceled)

20. (canceled)

21. A method of bill splitting among a plurality of devices, the method comprising:

executing, by a processor of a device comprising the processor and a wireless transceiver in communication with the processor, a banking application to thereby;

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

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

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

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

generate a response by processing the second challenge;

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

receive, 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, establish the at least one external user device as a member of a network of trust with the device;

initiate a transaction designating a bill paid by the transaction;

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

receive, 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;

generate 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

send the transaction request to a transaction service for fulfillment.

22. The method of claim 21, further comprising sending a request for preauthorization of the account associated with the device to the transaction service.

23. The method of claim 21, wherein the at least one sharing confirmation comprises an indication of at least one user account into which at least one external user is logged in on the at least one external user device.

24. The method of claim 21, wherein the at least one sharing confirmation comprises a plurality of sharing confirmations received from a plurality of external user devices, each of the plurality of sharing confirmations including a separate portion of the total value of the transaction to be paid by the respective external user device.

25. The method of claim 21, further comprising receiving, by a user interface, the transaction portion.

26. The method of claim 21, further comprising receiving, by a user interface, a selection of the at least one external user device to which the request is sent from among a plurality of external user devices in communication range of the device.