Multiple Party On-Line Transactions

Abstract

A role associated with one or more parties involved with a purchase transaction is received. A routing rule associated with the purchase transaction is also received, the routing rule defining how the purchase transaction is routed among the one or more parties. The purchase transaction is processed based on the role of each party and the routing rule.

1 .- 20 . (canceled) 
     
     
         21 . A computer-implemented method, the method comprising:
 receiving, by a first wireless communication device associated with a first user, purchase data describing a cost of a purchase transaction associated with the first user;   generating, by the first wireless communication device, a routing rule, wherein the routing rule describes one or more second wireless communication devices respectively associated with one or more second users, wherein the routing rule further describes one or more portions of the cost of the purchase transaction respectively assigned to the one or more second users;   sending, by the first wireless communication device, one or more payment requests to the one or more second wireless communication devices respectively associated with the one or more second users based at least in part on the routing rule.   
     
     
         22 . The computer-implemented method of  claim 21 , further comprising:
 receiving, by the first wireless communication device from at least one of the one or more second wireless communication devices, data indicative of a confirmed payment by at least one of the one or more second users.   
     
     
         23 . The computer-implemented method of  claim 22 , further comprising sending, by the first wireless communication device, receipt confirmation data to the at least one of the one or more second wireless communication devices. 
     
     
         24 . The computer-implemented method of  claim 21 , further comprising:
 receiving, by the first wireless communication device from the one or more second wireless communication devices, data indicative of a payment request rejection by at least one of the one or more second users.   
     
     
         25 . The computer-implemented method of  claim 21 , wherein the routing rule is generated based at least in part on one or more user inputs from the first user to a graphical user interface of the first wireless communication device. 
     
     
         26 . The computer-implemented method of  claim 21 , wherein the routing rule further describes an itemized cost of at least one of one or more goods one or more services purchased in the purchase transaction. 
     
     
         27 . The computer-implemented method of  claim 21 , wherein the purchase data is received by the first wireless communication device from a computing system associated with a provider of at least one of one or more goods or one or more services of the purchase transaction. 
     
     
         28 . The computer-implemented method of  claim 21 , wherein:
 the purchase data is received by the first wireless communication device using a first application; and   the one or more payment requests are sent by the first wireless communication device using a second application different and distinct from the first application.   
     
     
         29 . The computer-implemented method of  claim 28 , wherein the routing rule is generated by the first wireless communication device using the first application or the second application. 
     
     
         30 . A wireless communications device, comprising:
 one or more processors; and   one or more tangible, non-transitory, computer readable media that collectively store instructions that when executed by the one or more processors cause the wireless communication device to perform operations, the operations comprising:
 receiving purchase data describing a cost of a purchase transaction associated with a first user associated with the wireless communications device; 
 generating a routing rule, wherein the routing rule describes one or more second wireless communication devices respectively associated with one or more second users, wherein the routing rule further describes one or more portions of the cost of the purchase transaction respectively assigned to the one or more second users; 
 sending one or more payment requests to the one or more second wireless communication devices respectively associated with the one or more second users based at least in part on the routing rule. 
   
     
     
         31 . The wireless communications device of  claim 30 , further comprising
 receiving, from at least one of the one or more second wireless communication devices, data indicative of a confirmed payment by at least one of the one or more second users.   
     
     
         32 . The wireless communications device of  claim 31 , further comprising sending, by the wireless communication device, receipt confirmation data to the at least one of the one or more second wireless communication devices. 
     
     
         33 . The wireless communications device of  claim 30 , further comprising:
 receiving, from the one or more second wireless communication devices, data indicative of a payment request rejection by at least one of the one or more second users.   
     
     
         34 . The wireless communications device of  claim 30 , wherein the routing rule is generated based at least in part on one or more user inputs from the first user to a graphical user interface of the wireless communication device. 
     
     
         35 . The wireless communications device of  claim 30 , wherein the routing rule further describes an itemized cost of at least one of one or more goods one or more services purchased in the purchase transaction. 
     
     
         36 . The wireless communications device of  claim 30 , wherein the purchase data is received by the wireless communication device from a computing system associated with a provider of at least one of one or more goods or one or more services of the purchase transaction. 
     
     
         37 . The wireless communications device of  claim 30 , wherein:
 the purchase data is received by the wireless communication device using a first application; and   the one or more payment requests are sent by the wireless communication device using a second application different and distinct from the first application.   
     
     
         38 . The wireless communication device of  claim 37 , wherein the routing rule is generated by the wireless communication device using the first application or the second application. 
     
     
         39 . one or more tangible, non-transitory computer readable media storing computer-readable instructions that when executed by one or more processors cause the one or more processors to perform operations, the operations comprising:
 receiving purchase data describing a cost of a purchase transaction associated with a first user using a first wireless communication device;   generating a routing rule, wherein the routing rule describes one or more second wireless communication devices respectively associated with one or more second users, wherein the routing rule further describes one or more portions of the cost of the purchase transaction respectively assigned to the one or more second users;   sending one or more payment requests to the one or more second wireless communication devices respectively associated with the one or more second users based at least in part on the routing rule,   
     
     
         40 . The one or more tangible, non-transitory computer readable media of  claim 39 , wherein the operations further comprise:
 receiving, from at least one of the one or more second wireless communication devices, data indicative of a confirmed payment by at least one of the one or more second users.