Systems and methods for programmatically grouping consumer devices into stable spatial clusters

An apparatus for programmatically facilitating a shared payment, the apparatus comprising at least one processor and at least one memory including computer program code, the at least one memory and the computer program code configured to, with the at least one processor, cause the apparatus to:

• initiate broadcast of a beacon identifier from a communication beacon, the communication beacon comprising a first consumer device of a stable spatial cluster of consumer devices;
• receive one or more indications from at least one other consumer device of the stable spatial cluster of consumer devices in response to the broadcasted beacon identifier;
• receive a point-of-sale order;
• associate consumer account records associated with the first consumer device and the at least one other consumer device of the stable spatial cluster of consumer devices with the point-of-sale order;
• determine, based on at least the point of sale order, a payment share amount associated with each of the consumer account records;
• and
• finalize the point-of-sale order by facilitating a payment for each payment share amount from a respective consumer account of the consumer account records.

A non-transitory computer readable storage medium comprising instructions for programmatically facilitating a shared payment, when executed by a processor, cause an apparatus comprising at least one processor and at least one memory to:

• receive location data from a plurality of consumer devices;
• identify a stable spatial cluster of consumer devices from the plurality of consumer devices based on the location data;
• select a first consumer device of the stable spatial cluster of consumer devices to serve as a communication beacon;
• initiate broadcast of a beacon identifier from the communication beacon;
• receive one or more indications from other consumer devices of the stable spatial cluster of consumer devices in response to the broadcasted beacon identifier;
• retrieve consumer account records associated with the first consumer device and the other consumer devices of the stable spatial cluster of consumer devices;
• receive a point-of-sale order;
• associate the consumer account records with the point-of-sale order;
• determine a transaction price for the point-of-sale order;
• determine, based on at least the transaction price, a payment share amount associated with each of the consumer account records;
• and
• finalize the point-of-sale order by facilitating a payment for each payment share amount from a respective consumer account of the consumer account records.

A machine-implemented method for programmatically facilitating a shared payment, comprising:

• receiving location data from a plurality of consumer devices;
• identifying a stable spatial cluster of consumer devices from the plurality of consumer devices based on the location data;
• selecting a first consumer device of the stable spatial cluster of consumer devices to serve as a communication beacon;
• initiating broadcast of a beacon identifier from the communication beacon;
• receiving one or more indications from other consumer devices of the stable spatial cluster of consumer devices in response to the broadcasted beacon identifier;
• retrieving consumer account records associated with the first consumer device and the other consumer devices of the stable spatial cluster of consumer devices;
• receiving a point-of-sale order;
• associating the consumer account records with the point-of-sale order;
• determine a transaction price for the point-of-sale order;
• determining, based on at least the transaction price, a payment share amount associated with each of the consumer account records;
• and
• finalizing the point-of-sale order by facilitating a payment for each payment share amount from a respective consumer account of the consumer account records.