Charge splitting across multiple payment systems

US11657380B2 · kind B2 · utility

Assignee

• American Express Travel Related Services Company, Inc. · US

Inventors

• Faraz Babar · Phoenix, US
• Sylvain Boucard · La Courpée, FR
• LAVANYA VENKATANARAYANAN · Phoenix, US
• Lisa C. Yokoyama · Brooklyn, US

Key dates

• Filing date: May 5, 2020
• Grant date: May 23, 2023
• Expiry date: May 5, 2040

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/40
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A consumer may initiate a transaction using a transaction account. The transaction account issuer may transmit a notification to the consumer that the transaction has been authorized. The consumer may select requestees with whom to split the transaction. The transaction account issuer may transmit instructions via APIs to peer-to-peer payment systems to request payment from the requestees. The peer-to-peer payment systems may transfer the payment to the transaction account issuer, and the transaction account issuer may apply to payment to the consumer's transaction account.