Synchronous split payment transaction management

Abstract

A software- and/or hardware-based transaction manager that reflects the application program interface(s) and/or system(s) for establishing sessions used to commit to, rollback and/or execute multiple payments made pursuant to a single financial transaction. This is accomplished by sharing sessions through co-browsing, or by continuous event logging and maintaining synchronous payments across a group of users in order to: support the lifecycle of each individual payment and session along with completion responsibility of the overall transaction.

1 - 8 . (canceled) 
     
     
         9 . A computer program product comprising software stored on a software storage device, the software comprising:
 first program instructions programmed to establish a set of communication session(s), over a communication network, between a plurality of payees and a transaction management computer; and   second program instructions programmed to receive from each payee of the plurality of payees, through the communication session(s), a commitment to enter into a first financial transaction;   wherein:   each payee of the plurality of payees is connected, by the set of communication session(s), to the transaction management computer at a time of receipt of a latest-in-time commitment; and   the software is stored on a software storage device in a manner less transitory than a signal in transit.   
     
     
         10 . The product of  claim 9  wherein:
 the first program instructions are further programmed to establish the set of communication session(s) under control of a transaction manager module of the transaction management computer; and 
 the set of communication session(s) are maintained in at least one of the following ways: (i) as a co-browsing session between, at least, the payees and the transaction management computer, and/or (ii) continuous event logging. 
 
     
     
         11 . The product of  claim 9  wherein the software further comprises:
 third program instructions programmed to support a life cycle of each individual payment; and 
 fourth program instructions programmed to execute all payments associated with the first financial transaction. 
 
     
     
         12 . The product of  claim 9  wherein:
 each payee of the plurality of payees is continuously connected, by the set of communication session(s), to the transaction management computer from at least a time of receipt of an earliest-in-time commitment through at least the time of receipt of the latest-in-time commitment. 
 
     
     
         13 . The product of  claim 9  wherein the set of communication session(s) is one of the following types: (i) constituted by a single communication in which all payees and the transaction management computer participate, or (ii) includes a dedicated and separate communication session respectively between each of the payees and the transaction management computer. 
     
     
         14 . The product of  claim 9  wherein the software further comprises:
 third program instructions programmed to establish a communication session, over the communication network, between the transaction management computer and a first payment execution payment computer; and 
 fourth program instructions programmed to, responsive to receipt of commitment from all payees, request, by the transaction management computer and from the first payment execution computer, execution of a first payment made under terms of the first financial transaction. 
 
     
     
         15 . The product of  claim 14  wherein:
 each payee of the plurality of payees is continuously connected, by the set of communication session(s), to the transaction management computer from at least a time of receipt of the latest-in-time commitment through at least a time of requesting execution of the first payment. 
 
     
     
         16 . The product of  claim 14  wherein the software further comprises:
 fifth program instructions programmed to establish a communication session, over the communication network, between the transaction management computer and a set payment execution payment computer(s); and 
 sixth program instructions programmed to, responsive to receipt of commitment from all payees, request, by the transaction management computer and from the set of payment execution computer(s), execution of all payments to be made under terms of the first financial transaction; and 
 seventh program instructions programmed to request notification, by the transaction management computer and from the set of payment execution computer(s), of successful execution of all payments to be made under terms of the first financial transaction; 
 wherein each payee of the plurality of payees is continuously connected, by the set of communication session(s), to the transaction management computer from at least a time of receipt of the latest-in-time commitment through at least a time of receipt of a latest-in-time notification of successful execution. 
 
     
     
         17 . A computer system comprising:
 a processor(s) set; and   a software storage device;   wherein:   the processor set is structured, located, connected and/or programmed to run software stored on the software storage device; and   the software comprises:
 first program instructions programmed to establish a set of communication session(s), over a communication network, between a plurality of payees and a transaction management computer; and 
 second program instructions programmed to receive from each payee of the plurality of payees, through the communication session(s), a commitment to enter into a first financial transaction; 
   wherein each payee of the plurality of payees is connected, by the set of communication session(s), to the transaction management computer at a time of receipt of a latest-in-time commitment.   
     
     
         18 . The system of  claim 17  wherein:
 the first program instructions are further programmed to establish the set of communication session(s) under control of a transaction manager module of the transaction management computer; and 
 the set of communication session(s) are maintained in at least one of the following ways: (i) as a co-browsing session between, at least, the payees and the transaction management computer, and/or (ii) continuous event logging. 
 
     
     
         19 . The system of  claim 17  wherein the software further comprises:
 third program instructions programmed to support a life cycle of each individual payment; and 
 fourth program instructions programmed to execute all payments associated with the first financial transaction. 
 
     
     
         20 . The system of  claim 17  wherein:
 each payee of the plurality of payees is continuously connected, by the set of communication session(s), to the transaction management computer from at least a time of receipt of an earliest-in-time commitment through at least the time of receipt of the latest-in-time commitment.