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Apportioning shared financial expenses

  • US 9,721,314 B2
  • Filed: 03/19/2014
  • Issued: 08/01/2017
  • Est. Priority Date: 10/28/2013
  • Status: Active Grant
First Claim
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1. A computer-implemented method, the method comprising:

  • identifying, by a payment system that includes one or more servers, that a first user associated with a first user device is present at a location associated with a merchant restaurant based on a merchant device indicating that a plurality of users is present at the location associated with the merchant restaurant, the merchant device associated with the merchant restaurant;

    identifying, by the payment system, that the first user device is capable of a card-less payment transaction with the merchant device at the merchant restaurant;

    sending data describing a restaurant reservation made by the first user device from the payment system to the merchant device at the merchant restaurant, wherein the restaurant reservation is to be paid for via a shared financial expense at the merchant restaurant and identifies both the first user and a second user;

    identifying, by the payment system, that the second user is present at the location associated with the merchant restaurant based on a merchant device indicating that the plurality of users is present at the location associated with the merchant restaurant;

    receiving a second user participation confirmation confirming that the second user is contributing to the shared financial expense at the payment system and from a second user application on a second user device associated with the second user;

    triggering display of an indication that the first user and the second user are both contributing to the shared financial expense for the restaurant reservation via the display of the merchant device in response to receipt of the second user participation confirmation;

    obtaining, by the payment system, a total amount due for the shared financial expense from at least one of the first user device or the merchant device;

    apportioning, by the payment system, the total amount due for the shared financial expense into a first apportioned amount of the shared financial expense for the first user and a second apportioned amount of the shared financial expense for the second user in response to obtaining the total amount due and receiving the second user participation confirmation;

    generating, by the payment system and based on the total amount due and the second user participation confirmation, a first electronic bill for the first apportioned amount for the first user and a second electronic bill for the second apportioned amount for the second user;

    sending the first electronic bill for the first apportioned amount from the payment system to the first user device; and

    sending the second electronic bill for the second apportioned amount from the payment system to the second user device.

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