CardBot system and associated APIs

A computer-implemented method of assisting with payment of a transaction involving a plurality of users, the method comprising the steps of:

• receiving, via a processor, a request from a user computing device to settle the transaction between the plurality of users, wherein each user in the plurality of users is associated with a payment account;
• receiving, via the processor, a photograph of the plurality of users, wherein the photograph is taken using a camera of the user computer device;
• identifying, via the processor, each user in the photograph of the plurality of users and their associated payment account using facial recognition;
• receiving, via the processor, information pertaining to the transaction, wherein the information includes receipt data for the transaction;
• receiving, via the processor, indicia of how the transaction is to be settled between the plurality of users, and wherein the indicia are received via a display interface of the user computing device;
• calculating, via the processor, one or more amounts to be paid by at least one user in the plurality of users;
• and
• facilitating, via the processor, the sending of the one or more amounts to be paid from the payment account associated with the at least one user in the plurality of users to a merchant.