Systems and methods for generating a shared payment via voice-activated computing devices

A method for making a shared payment group purchase over a payment network, said method performed using a data controller (DC) computing device including a processor communicatively coupled to a memory, the DC computing device communicatively coupled to a database, said method comprising:

• receiving, from a voice-controlled (VC) computing device, a shared payment account initialization request identifying a primary user payment account associated with a primary user of the VC computing device;
• creating a shared payment account linked in the database to the primary user payment account;
• causing the VC computing device to audio prompt for secondary user information identifying at least one secondary user payment account;
• receiving, from the VC computing device, the secondary user information identifying the at least one secondary user payment account;
• linking in the database the at least one secondary user payment account to the shared payment account;
• transmitting, to the VC computing device, a single payment instrument comprising a shared payment account identifier having a form and appearance suitable for submission by merchants through the payment network-for payment card transactions, wherein the shared payment account identifier is linked in the database to the shared payment account, and wherein a portion of the shared payment account identifier comprises an indicator configured to cause the payment network to route transaction authorization requests that include the shared payment account identifier to the DC computing device, wherein transaction authorization requests are initiated by merchants and transmitted over the payment network;
• receive, from the VC computing device, a purchase voice command to make a purchase from a merchant using the shared payment account;
• generate, in response to receiving the purchase voice command, a purchase order comprising the shared payment account identifier;
• transmit, to a point-of-sale (POS) device associated with the merchant, the purchase order comprising the shared payment account identifier as the single payment instrument;
• receiving, via the payment network in response to recognition of the indicator included in the shared payment account identifier, a single transaction authorization request initiated by the POS device to the payment network, the received single transaction authorization request including the shared payment account identifier as the single payment instrument for a transaction associated with the purchase order, a merchant identifier associated with the merchant for the transaction, and a transaction amount;
• splitting the transaction amount into respective portions allocable to the primary user account and the at least one secondary user payment account linked to the shared payment account identifier by generating, in response to receiving the single transaction authorization request including the shared payment account identifier, multiple transaction authorization requests including a respective substitute transaction authorization request for each of the primary user payment account and the at least one secondary user account, wherein the primary user payment account and the at least one secondary user account are not exposed to the POS device associated with the merchant;
• and
• applying the respective portions of the transaction amount against each of the primary user account and the at least one secondary user payment account linked to the shared payment account identifier by routing each respective substitute transaction authorization request through the payment network to a respective issuer.

A non-transitory computer-readable storage medium having computer-executable instructions embodied thereon, wherein when executed by at least one processor, the at least one processor being communicatively coupled to a database, the computer-executable instructions cause the at least one processor to:

• receive, from a voice-controlled (VC) computing device, a shared payment account initialization request identifying a primary user payment account associated with a primary user of the VC computing device;
• create a shared payment account linked in the database to the primary user payment account;
• cause the VC computing device to audio prompt for secondary user information identifying at least one secondary user payment account;
• receive, from the VC computing device, the secondary user information identifying the at least one secondary user payment account;
• link in the database the at least one secondary user payment account to the shared payment account;
• transmit, to the VC computing device, a single payment instrument comprising a shared payment account identifier having a form and appearance suitable for submission by merchants through the payment network for payment card transactions, wherein the shared payment account identifier is linked in the database to the shared payment account, and wherein a portion of the shared payment account identifier comprises an indicator configured to cause the payment network to route transaction authorization requests that include the shared payment account identifier to the DC computing device, wherein transaction authorization requests are initiated by merchants and transmitted over the payment network;
• receive, from the VC computing device, a purchase voice command to make a purchase from a merchant using the shared payment account;
• generate, in response to receiving the purchase voice command, a purchase order comprising the shared payment account identifier;
• transmit, to a point of sale (POS) device associated with the merchant, the purchase order comprising the shared payment account identifier as the single payment instrument;
• receive, via the payment network in response to recognition of the indicator included in the shared payment account identifier, a single transaction authorization request initiated by the POS device to the payment network, the received single transaction authorization request including the shared payment account identifier as the single payment instrument for a transaction associated with the purchase order, a merchant identifier associated with the merchant for the transaction, and a transaction amount;
• split the transaction amount into respective portions allocable to the primary user account and the at least one secondary user payment account linked to the shared payment account identifier by generating, in response to receiving the single transaction authorization request including the shared payment account identifier, multiple transaction authorization requests including a respective substitute transaction authorization request for each of the primary user payment account and the at least one secondary user account, wherein the primary user payment account and the at least one secondary user account are not exposed to the POS device associated with the merchant;
• and
• apply the respective portions of the transaction amount against each of the primary user account and the at least one secondary user payment account linked to the shared payment account identifier by routing each respective substitute transaction authorization request through the payment network to a respective issuer.