| 摘要 |
A computer-implemented method for granting a user access to an on-line banking area of a website belonging financial institution responsive to receiving the valid user name and password. The method providing the user with account information regarding checking, savings, mortgage, home equity and/or loan accounts held by the user at the financial institution. The method grants the user access to a request tracking area of the website of the financial institution, receive request related data from the user, the request related data including data relating to at least one expense or goal, calculate portions of each expense respectively owed by each of a plurality of participants in the request and track whether a participant has paid. The method includes sending a message to at least one participant, the message requesting payment for the portion owed by the participant and receiving the payment from the participant in various payment forms. |
| 主权项 |
1. A computer-implemented method comprising:
receiving, by one or more processors of a computer system, a valid username and password from a user; granting, by the one or more processors, the user access to an on-line banking area of a website of a financial institution responsive to receiving the valid user name and password; providing, by the one or more processors, the user with account information regarding one or more checking, savings, home mortgage, home equity and/or student loan accounts held by the user at the financial institution; granting, by the one or more processors, the user access to a request expense tracking area of the website of the financial institution; receiving, using a request tracking system running on the one or more processors of the computer system, request related data for a request from the user, the related data including data relating to at least one expense incurred by the user by spending funds on behalf of a plurality of participants in a transaction for purchasing at least one good or service; calculating, by the one or more processors, portions of the at least one incurred expense respectively owed by each of the plurality of participants in the request to facilitate reimbursement of the at least one incurred expense back to the user; determining, by the one or more processors, at least one participant of the plurality of participants has an account associated with the computer system; responsive to determining that at least one participant has the account, generating, by the one or more processors, a custom payment option for the at least one participant based on information regarding the account and the portion of the at least one expense that the at least one participant owes; tracking, by the one or more processors, whether each of the plurality of participants who are responsible for reimbursing the user for a portion of the at least one expense incurred by the user has paid their portions; sending a message, using a notification system running on the one or more processors of the computer system, to each participant requesting payment for the portion of the expense that is owed by the participant based on the tracking; and receiving, using a payment processing system running on the one or more processors of the computer system, the payment from the participant. |
