Splitting group charges

Abstract

A system, method, and article of manufacture for splitting a shared financial obligation is disclosed. The method may comprise receiving, by a bill splitting computer-based system, a single record of charge (ROC) associated with a purchase by one or more members of a group, and splitting, by the bill splitting computer-based system, the ROC between the members of the group.

1 . A method comprising:
 receiving, by at least one computing device, a request to establish a group of members from a group initiator, the group of members being associated with a transaction;   identifying, by the at least one computing device, an initiator transaction account number for a transaction account of the group initiator;   providing, by the at least one computing device, a record of the transaction to a respective client device associated with members of the group of members, the record comprising data representing a merchant, a transaction amount, and a transaction date;   receiving, by the at least one computing device, at least one response associated with the transaction from the respective client device associated with the members;   generating, by the at least one computing device, a split instruction for the members of the group based upon the at least one response;   splitting, by the at least one computing device, the transaction between the members of the group and the group initiator; and   transmitting, by the at least one computing device and to the respective client device associated with members of the group of members, a respective notification based at least in part on the split instruction.   
     
     
         2 . The method of  claim 1 , wherein the split instruction specifies that the transaction is split between the group initiator and the members of the group based at least in part on payment transactions corresponding to one or more of the members. 
     
     
         3 . The method of  claim 1 , wherein the split instruction specifies that the transaction be split proportionally between the group initiator and the members of the group. 
     
     
         4 . The method of  claim 1 , wherein the split instruction specifies that the transaction be split according to a percentage assigned to the group initiator and the members of the group toward a transaction amount. 
     
     
         5 . The method of  claim 4 , wherein the split instruction specifies that the transaction be split based at least in part on specified percentage. 
     
     
         6 . The method of  claim 1 , further comprising assigning, by the at least one computing device, rewards associated with the transaction to the members of the group based at least in part on the split instruction. 
     
     
         7 . The method of  claim 1 , wherein a response from the members of the group comprises a rejection, and the method further comprises:
 recalculating a settlement amount for the group initiator and remaining members of the group;   generating, by the at least one computing device, a new split instruction for the remaining members of the group based upon the at least one response;   splitting, by the at least one computing device, the transaction between the remaining members of the group and the group initiator; and   transmitting, by the at least one computing device and to the respective client device associated with remaining members of the group of members, a new respective notification based at least in part on the new split instruction.   
     
     
         8 . A system comprising:
 at least one computing device; and   a computer-readable instructions that, in response to execution by the at least one computing device, cause the at least one computing device to at least:
 receive a request to establish a group of members from a group initiator, the group of members being associated with a transaction; 
 identify an initiator transaction account number for a transaction account of the group initiator; 
 provide a record of the transaction to a respective client device associated with members of the group of members, the record comprising data representing a merchant, a transaction amount, and a transaction date; 
 receive at least one response associated with the transaction from the respective client device associated with the members; 
 generate a split instruction for the members of the group based upon the at least one response; 
 split the transaction between the members of the group and the group initiator; and 
 transmit, to the respective client device associated with members of the group of members, a respective notification based at least in part on the split instruction. 
   
     
     
         9 . The system of  claim 8 , wherein the split instruction specifies that the transaction is split between the group initiator and the members of the group based at least in part on payment transactions corresponding to one or more of the members. 
     
     
         10 . The system of  claim 8 , wherein the split instruction specifies that the transaction be split proportionally between the group initiator and the members of the group. 
     
     
         11 . The system of  claim 8 , wherein the split instruction specifies that the transaction be split according to a percentage assigned to the group initiator and the members of the group toward a transaction amount. 
     
     
         12 . The system of  claim 11 , wherein the split instruction specifies that the transaction be split based at least in part on specified percentage. 
     
     
         13 . The system of  claim 8 , wherein the instructions further cause the at least one computing device to at least assign rewards associated with the transaction to the members of the group based at least in part on the split instruction. 
     
     
         14 . The system of  claim 8 , wherein a response from the members of the group comprises a rejection, and the instructions further cause the at least one computing device to at least:
 recalculate a settlement amount for the group initiator and remaining members of the group;   generate a new split instruction for the remaining members of the group based upon the at least one response;   split the transaction between the remaining members of the group and the group initiator; and   transmit, to the respective client device associated with remaining members of the group of members, a new respective notification based at least in part on the new split instruction.   
     
     
         15 . A non-transitory computer-readable medium embodying instructions executable by at least one computing device, the instructions, when executed, causing the at least one computing device to at least:
 receive a request to establish a group of members from a group initiator, the group of members being associated with a transaction;   identify an initiator transaction account number for a transaction account of the group initiator;   provide a record of the transaction to a respective client device associated with members of the group of members, the record comprising data representing a merchant, a transaction amount, and a transaction date;   receive at least one response associated with the transaction from the respective client device associated with the members;   generate a split instruction for the members of the group based upon the at least one response;   split the transaction between the members of the group and the group initiator; and   
       transmit, to the respective client device associated with members of the group of members, a respective notification based at least in part on the split instruction. 
     
     
         16 . The non-transitory computer-readable medium of  claim 15 , wherein the split instruction specifies that the transaction is split between the group initiator and the members of the group based at least in part on payment transactions corresponding to one or more of the members. 
     
     
         17 . The non-transitory computer-readable medium of  claim 15 , wherein the split instruction specifies that the transaction be split proportionally between the group initiator and the members of the group. 
     
     
         18 . The non-transitory computer-readable medium of  claim 15 , wherein the split instruction specifies that the transaction be split according to a percentage assigned to the group initiator and the members of the group toward a transaction amount. 
     
     
         19 . The non-transitory computer-readable medium of  claim 15 , wherein the instructions further cause the at least one computing device to at least assign rewards associated with the transaction to the members of the group based at least in part on the split instruction. 
     
     
         20 . The non-transitory computer-readable medium of  claim 15 , wherein a response from the members of the group comprises a rejection, and the instructions further cause the at least one computing device to at least:
 recalculate a settlement amount for the group initiator and remaining members of the group;   generate a new split instruction for the remaining members of the group based upon the at least one response;   split the transaction between the remaining members of the group and the group initiator; and   transmit, to the respective client device associated with remaining members of the group of members, a new respective notification based at least in part on the new split instruction.