Offline bill splitting system

Patent metadata

Field	Value
Publication number	US-11676129-B2
Application number	US-202117208674-A
Country	US
Kind code	B2
Filing date	Mar 22, 2021
Priority date	May 22, 2014
Publication date	Jun 13, 2023
Grant date	Jun 13, 2023

Abstract

Systems and method for splitting a bill offline include detecting one or more local devices using local wireless communications provided by a peer-to-peer communication module. At least one payer device of the one or more local devices is selected for apportioning a primary bill. An offline payment authorization is then received from each at least one payer device through local wireless communications provided by the peer-to-peer communication module. When an Internet connection is later detected, the system provider connects to the Internet and sends the offline payment authorization received from each at least one payer device to a payment provider device over the Internet. The payment provider device may then transfer funds from account(s) of the at least one payer device to the account of the system provider.

First claim

What is claimed is:

1. A system comprising:
one or more processors; and
one or more machine-readable storage media having instructions stored thereon that, in response to being executed by the one or more processors, cause the system to perform operations comprising:
receiving an image captured for a transaction via a first user device associated with a first user;
determining one or more user devices comprising a second user device associated with the transaction;
determining a portion of the transaction assigned to a second user associated with the second user device;
transmitting the portion of the transaction to the second user device;
receiving, from the second user device, an encrypted payment authorization token that authorizes payment to a user account with a payment provider server;
analyzing the encrypted payment authorization token without decrypting the encrypted payment authorization token;
verifying that the encrypted payment authorization token specifies a payment amount corresponding to the portion of the transaction based on the analyzing; and
transmitting the encrypted payment authorization token to the payment provider server to complete the transaction.

2. The system of claim 1 , wherein the portion of the transaction and the encrypted payment authorization token are transmitted between the first user device and the second user device using peer-to-peer communications.

3. The system of claim 1 , wherein the determining the one or more user devices comprises detecting the second user device within a predetermined distance from the first user device.

4. The system of claim 1 , wherein the determining the portion of the transaction is based on an assignment by the first user.

5. The system of claim 1 , wherein the portion of the transaction comprises a percentage of a cost for the transaction.

6. The system of claim 1 , wherein the operations further comprise transmitting includes an authorization token request to the second user device.

7. The system of claim 1 , wherein the operations further comprise:
receiving, from the second user device, an indication of a revision to the portion of the transaction assigned to the at least second user device, wherein the payment amount corresponds to the revision to the portion of the transaction.

8. A method comprising:
receiving, by a computer system, an image captured for a transaction via a first user device associated with a first user;
determining one or more user devices comprising a second user device associated with the transaction;
assigning a portion of the transaction to a second user associated with second user device;
transmitting data associated with the portion of the transaction to the second device;
receiving, from the second device, a payment authorization token that authorizes payment to a user account with a payment provider server;
analyzing, by the computer system, the payment authorization token without decrypting the payment authorization token;
verifying that the payment authorization token specifies a payment amount corresponding to the portion of the transaction based on the analyzing; and
in response to the verifying, transmitting the payment authorization token to the payment provider server.

9. The method of claim 8 , wherein the data associated with the portion of the transaction and the payment authorization token are transmitted between the first user device and the second device using peer-to-peer communications.

10. The method of claim 8 , wherein the determining the one or more user devices comprises detecting the second user device within a predetermined distance from the first user device.

11. The method of claim 8 , further comprising receiving, from the first user via the first user device, an input indicating an assignment of the portion of the transaction to the second user.

12. The method of claim 8 , wherein the portion of the transaction comprises a percentage of a cost for the transaction.

13. The method of claim 8 , further comprising transmitting an authorization token request to the second user device.

14. The method of claim 8 , further comprising:
receiving, from the second user device, an indication of a revision to the portion of the transaction assigned to the second user device, wherein the payment amount corresponds to the revision to the portion of the transaction.

15. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
receiving an image associated with a transaction from a first user device associated with a first user;
determining one or more user devices comprising a second user device associated with the transaction;
determining a portion of the transaction assigned to a second user associated with the second user device;
transmitting, information associated with the portion of the transaction to the second user device;
receiving, from the second user device, an encrypted payment authorization token that authorizes payment to a user account with a payment provider server;
analyzing the encrypted payment authorization token without decrypting the encrypted payment authorization token;
verifying that the encrypted payment authorization token specifies a payment amount corresponding to the portion of the transaction based on the analyzing; and
transmitting the encrypted payment authorization token to the payment provider server.

16. The non-transitory machine-readable medium of claim 15 , wherein the information associated with the portion of the transaction and the encrypted payment authorization token are transmitted between the first user device and the second user device using peer-to-peer communications.

17. The non-transitory machine-readable medium of claim 15 , wherein the determining the one or more user devices comprises detecting the second user device within a predetermined distance from the first user device.

18. The non-transitory machine-readable medium of claim 15 , wherein the determining the portion of the transaction is based on an assignment by the first user.

19. The non-transitory machine-readable medium of claim 15 , wherein the portion of the transaction comprises a percentage of a cost for the transaction.

20. The non-transitory machine-readable medium of claim 15 , wherein the operations further comprise transmitting an authorization token request to the second user device.

Assignees

• Paypal Inc

Inventors

• O'Toole Christopher Diebold
• Tang Yu
• Luk Bryant Genepang
• He Robert
• Brenner Jennifer Tatiana

Classifications

• G06Q20/223

  based on the use of peer-to-peer networks · CPC title

• G06Q20/326 Primary

  Payment applications installed on the mobile devices · CPC title

• G06Q20/102

  Bill distribution or payments · CPC title

• G06Q20/325 Primary

  using wireless networks · CPC title

• G06Q20/22

  Payment schemes or models · CPC title