Automated payment splitting
AssigneeCapital One Services, LLC
InventorsPhoebe Atkins, Xiaoguang Zhu, Ray Cheng
Life of this patent
Estimating the term…
Abstract
Disclosed embodiments pertain to automated payment splitting. A bill to a user for goods or services can be detected. Contacts that are collocated with the user can be determined via social media image analysis. A notification can be sent to the contacts to join a payment group. The payment group can be created upon receiving a response to the notification. A split payment rubric can be determined for the payment group. The split payment rubric can enumerate payment responsibilities of each person in the payment group using social media image analysis. Payment of the bill can be completed via a split payment amongst the payment group according to the split payment rubric.
Claims20
A system, comprising:
- a processor coupled to a memory that includes instructions that, when executed by the processor, cause the processor to:
- determine a potential transaction to be completed by a user;
- identify a subset of contacts that are collocated with the user;
- automatically send a notification to the user and the subset of contacts to join a payment group;
- create the payment group based on receiving a response from at least one contact of the subset of contacts and the user;
- analyze social media image data of the user or the at least one contact;
- identify a payment responsibility based on a result of analysis of the social media image data, wherein identification of the payment responsibility includes:
- identify items that appear in the social media image data based on the result of the analysis of the social media image data;
- match the items that are identified in the social media image data to items of an itemized bill of the potential transaction;
- and
- associate items that are matched to a person in the payment group based on the social media image data and the match;
- and
- determine a split payment rubric for the payment group, wherein the split payment rubric provides the payment responsibility for each person of the payment group;
- and
- complete the potential transaction with two or more payments from the payment group according to the split payment rubric.
A method, comprising:
- executing, on a processor, instructions that cause the processor to perform operations associated with bill splitting, the operations comprising:
- determining a potential transaction to be completed by a user;
- analyzing social media image data of the user to determine a subset of contacts that are collocated with the user;
- automatically sending a request to the user and the subset of contacts to join a payment group;
- creating the payment group based on receiving a response to the request from at least one contact, wherein the payment group includes the at least one contact and the user;
- and
- completing the potential transaction with two or more payments from the payment group.
A computer-implemented method, comprising:
- determining a user and a bill;
- determining a subset of contacts that are collocated with the user, wherein the subset of contacts is determined from a set of contacts of the user, wherein determining the subset includes:
- analyzing image data of a set of contacts to determine contacts that are collocated with the user;
- sending a notification to join a payment group to the subset of contacts;
- and
- receiving a response from at least one contact of the subset of contacts;
- creating the payment group based on receiving the response from the at least one contact of the subset of contacts;
- determining a split payment rubric for the payment group, wherein determining the split payment rubric includes:
- analyzing the image data or consumption tendencies of each person in the payment group to determine a payment responsibility of each person in the payment group;
- and
- completing a payment of the bill via a split payment amongst the payment group according to the split payment rubric.
Dependencies are inferred from the claim text.