Systems and methods to split bills and requests for payment from debit or credit account

A computer-implemented system for sending a split payment request comprising:

• a communications network;
• an electronic device associated with a customer comprising at least one processor, coupled to the communications network;
• and
• a server comprising at least one processor, coupled to the communications network;
• wherein:
• the electronic device receives an identification of a transaction with a merchant comprising a transaction amount for a split payment request;
• the electronic device automatically identifies a plurality of other potential customers to split the transaction amount with based on at least one prior transaction with the merchant, the customer and the plurality of other potential customers;
• the electronic device displays a list comprising the customer and the plurality of other potential customers for the split payment request;
• the electronic device receives a selection of one of the plurality of other potential customers for the split payment request;
• the electronic device receives a payment allocation for the selected other potential customer;
• the electronic device sends the split payment request, via the communications network, to the server;
• the server sends the split payment request to the selected other potential customer;
• and
• the server receives payment information from selected other potential customer.

A computer-implemented method for sending a split payment request comprising the steps of:

• in a mobile payment computer application executed by an information processing apparatus comprising at least one computer processor and associated with a customer:
• receiving a split payment request for a transaction with a merchant comprising a transaction amount;
• automatically identifying a plurality of other potential customers to split the transaction amount with based on electronic location information for electronic devices associated with each of the plurality of other potential customers at a time of the transaction;
• displaying a list comprising the customer and the plurality of other potential customers for the split payment request;
• receiving a selection of one of the plurality of other potential customers for the split payment request;
• receiving a selection of a payment allocation of the transaction amount for the selected other potential customer;
• and
• communicating the split payment request, the selected other potential customer, and the payment allocation to a remote server.