Systems and methods for facilitating bill payment functionality in mobile commerce

1. A method of paying a bill from a consumer's mobile device, the method comprising:

receiving, by the mobile device, a transaction code for a transaction associated with a bill for a bill amount;

identifying, by the mobile device, consumer information associated with the transaction;

transmitting, by the mobile device and to the merchant device, the transaction code and the consumer information associated with the transaction, wherein the merchant device is configured to use the transaction code to identify transaction information comprising the bill amount for the transaction;

receiving, by the mobile device and from the merchant device, the transaction information comprising the bill amount for the transaction;

displaying, by the mobile device, the transaction information;

receiving, by the mobile device, via user input at the mobile device an indication from a consumer to split the bill among two or more consumers;

transmitting, by the mobile device to the merchant device, the indication to split the bill among the two or more consumers;

displaying, by the mobile device, at least one payment option that is user selectable, wherein each of the at least one payment option is configured to facilitate a payment of at least a portion of the bill amount and wherein said at least one payment option is one of a credit card, a debit card, a checking account, or a savings account;

receiving, by the mobile device, a user selection of one of the at least one payment option;

retrieving, by the mobile device from memory on the mobile device and based on the user selection of the at least one payment option, a payment authorization token identifying the selected one of the at least one payment option, wherein the payment authorization token provides access to the selected one of the at least one payment option at a server device separate from the mobile device and wherein the selected one of the at least one payment option is one of a credit card, a debit card, a checking account, or a savings account;

transmitting, by the mobile device, the retrieved payment authorization token identifying the selected one of the at least one payment option and the transaction information comprising the bill amount for approval of the payment of at least a portion of the bill amount associated with the selected one of the at least one payment option;

receiving, by the mobile device, a notification of approval of the payment of the at least a portion of the bill amount; and

receiving, by the mobile device, a payment completion code, wherein the payment completion code can be used to verify payment of the at least a portion of the bill amount.

2. The method of claim 1 , further comprising:

providing a mobile commerce program application to the consumer's mobile device; and

generating a consumer account based at least in part on personal and/or payment information associated with the consumer.

3. The method of claim 1 , further comprising:

receiving a coupon for the transaction, the coupon comprising a coupon amount; and

transmitting, by the mobile device, the coupon with the selected payment option and transaction information for approval of the payment of at least a portion of the bill amount associated with the selected payment option,

wherein the notification of approval of the payment of the at least a portion of the bill amount indicates that the bill amount is reduced by the coupon amount.

4. The method of claim 1 , wherein the transaction code comprises at least one of the following: an alphanumeric string, a QR code, a bar code, or a unique number.

5. The method of claim 1 , further comprising:

receiving the bill to be split among two or more consumers;

receiving inputs associated with a number of people to split the bill among, tip amount, and identifying other consumers and/or contact information for the other consumers;

receiving payment instructions from the other consumers;

based at least in part on the inputs and/or payment instructions, facilitate payment processing of the bill among the two or more consumers;

providing payment confirmation requests and/or payment notifications to one or more of the consumers; and

providing payment confirmation notification to a merchant.

6. The method of claim 1 , further comprising:

receiving the bill to be split among the two or more consumers;

providing a list of items from the bill to each of the consumers;

receiving inputs from the consumers selecting one or more items to pay for;

receiving payment instructions for the consumers selecting one or more items to pay for;

calculating a total bill and/or tip for each consumer;

receiving payment instructions from the consumers;

facilitating payment processing of the bill among two or more consumers;

providing payment confirmation requests and/or payment notifications to two or more consumers; and

providing payment confirmation notification to a merchant.

7. The method of claim 1 , further comprising:

transmitting the bill to a split-the-bill application program;

receiving notification concerning unpaid amounts, items, and/or payment disputes by one or more consumers; and

receiving payment confirmation of the bill from the split-the-bill application program.

8. A system for code-based payment from a consumer's mobile device, the system comprising:

at least one processor operable to execute computer-executable instructions; and

at least one memory operable to store computer-executable instructions to:

receive a transaction code for a transaction associated with a bill amount;

identify consumer information associated with the transaction;

communicate, to the merchant device, the transaction code and the consumer information associated with the transaction, wherein the merchant device is configured to identify transaction information comprising the bill amount for the transaction using the transaction code;

receive, from the merchant device, the transaction information comprising the bill amount for the transaction;

display the transaction information;

receive, via user input at a mobile device, an indication from a consumer to split the bill among two or more consumers;

communicate, to the merchant device, the indication to split the bill among the two or more consumers;

display at least one payment option that is user selectable, wherein each of the at least one payment option is configured to facilitate a payment of at least a portion of the bill amount and wherein said at least one payment option is one of a credit card, a debit card, a checking account, or a savings account;

receive a user selection of one of the at least one payment option;

retrieve, from the at least one memory and based on the user selection of the at least one payment option, a payment authorization token identifying the selected one of the at least one payment option, wherein the payment authorization token provides access to the selected one of the at least one payment option at a server device separate from the mobile device and wherein the selected one of the at least one payment option is one of a credit card, a debit card, a checking account, or a savings account;

communicate the payment authorization token identifying the selected one of the at least one payment option and the transaction information comprising the bill amount for approval of the payment of at least a portion of the bill amount associated with the selected one of the at least one payment option;

receive a notification of approval of the payment of the at least a portion of the bill amount; and

receive a payment completion code associated with the notification of approval, wherein the payment completion code can be used to verify payment of the at least a portion of the bill amount.

9. The system of claim 8 , wherein the computer-executable instructions are further operable to:

provide a mobile commerce program application to the consumer's mobile device; and

generate a consumer account based at least in part on personal and/or payment information associated with the consumer.

10. The system of claim 8 , wherein the computer-executable instructions are further operable to:

receive a coupon for the transaction, the coupon comprising a coupon amount; and

transmit the coupon with the selected payment option and transaction information for approval of the payment of at least a portion of the bill amount associated with the selected payment option,

wherein the notification of approval of the payment of the at least a portion of the bill amount indicates that the bill amount is reduced by the coupon amount.

11. The system of claim 8 , wherein the transaction code comprises at least one of the following: an alphanumeric string, a QR code, a bar code, or a unique number.

12. The system of claim 8 , wherein the computer-executable instructions are further operable to:

receive the bill to be split among two or more consumers;

receive inputs associated with a number of people to split the bill among, tip amount, and identifying other consumers and/or contact information for the other consumers;

receive payment instructions from the other consumers;

based at least in part on the inputs and/or payment instructions, facilitate payment processing of the bill among the two or more consumers;

provide payment confirmation requests and/or payment notifications to one or more of the consumers; and

provide payment confirmation notification to a merchant.

13. The system of claim 8 , wherein the computer-executable instructions are further operable to:

receive the bill to be split among the two or more consumers;

provide a list of items from the bill to each of the consumers;

receive inputs from the consumers selecting one or more items to pay for;

receive payment instructions for the consumers selecting one or more items to pay for;

calculate a total bill and/or tip for each consumer;

receive payment instructions from the consumers;

facilitate payment processing of the bill among two or more consumers;

provide payment confirmation requests and/or payment notifications to two or more consumers; and

provide payment confirmation notification to a merchant.

14. The system of claim 8 , wherein the computer-executable instructions are further operable to:

transmit the bill to a split-the-bill application program;

receive notification concerning unpaid amounts, items, and/or payment disputes by one or more consumers; and

receive payment confirmation of the bill from the split-the-bill application program.

15. The method of claim 1 , further comprising displaying to the consumer, by the mobile device, the payment completion code.

16. The system of claim 8 , wherein the computer-executable instructions are further operable to:

display the payment completion code to the consumer.

17. The method of claim 1 , wherein identifying, by the mobile device, consumer information associated with the transaction comprises:

retrieving, by the mobile device and from a memory of the mobile device, the consumer information.