Systems and methods of aggregating split payments using a settlement ecosystem

摘要

Systems, apparatuses and methods for enabling a group of people to share the cost of an event, such as a meal, the purchase of a gift, or the rental of a car. Embodiments of the invention provide the tools needed to enable a group to participate in a shared event or activity, where one of the participants pays for the event or activity using their payment device and the other members of the group pay their portion of the cost to the participant who made the payment. Embodiments of the invention provide an ecosystem where a person can pay for an event, goods, or services using a single payment device (such as a credit or debit card) and then settle the amounts owed to them by other members of a group using the tools provided by the invention.

主权项

1. A method comprising:
presenting a graphical user interface associated with a collaboration service on a computing device for enrolling a user in the collaboration service; enabling the user to enroll in the collaboration service associated with a collaboration server; receiving, by the computing device, transaction data for a transaction event associated with a plurality of participants, the transaction data including a transaction value associated with the plurality of participants; receiving, by the computing device, a selection of a participant in the plurality of participants to be a payer of the transaction event, wherein the transaction value of the transaction event is paid for by the selected payer of the transaction event; determining, by the computing device, based at least in part on the transaction data, a portion of the transaction value owed by one or more remaining participants in the plurality of participants to the selected payer of the transaction event, the portion of the transaction value being less than the transaction value; and causing the collaboration server to generate and send one or more notifications to the one or more remaining participants in the plurality of participants to be displayed on one or more graphical user interfaces of one or more computing devices of the one or more remaining participants, wherein a notification of the one or more notifications includes the portion of the transaction value.