Granted Patent B2

US 12,555,088 · App. 18/139,293 · Granted Feb 17, 2026

Inventor: Sridhar Sivaraman (Chennai, IN)

Assignee: PAYPAL, INC.

G06Q20/22G06Q20/20G06Q20/227G06Q20/322G06Q20/3223G06Q20/405

Abstract

Claims (42)

1 . A server comprising:

a non-transitory memory storing program instructions; and

one or more hardware processors coupled to the non-transitory memory and configured to execute the program instructions to cause the server to:

in response to determining an intent, of a first user via a first instance of a shared application of a first user device, to share a payment for a purchase transaction to purchase a product or service from a merchant, instruct the first instance of the shared application to broadcast a transaction request to a plurality of user devices within a distance threshold from the first user device, wherein the purchase transaction is associated with an identifier, and wherein receiving the transaction request causes corresponding instances of the shared application of the plurality of user devices to present a message based on the identifier;

receive confirmations from a plurality of users for participating in the payment for the purchase transaction based on interactions between the first user device and the plurality of user devices, the interactions comprising near-field communications between the first user device and the plurality of user devices when the plurality of user devices is within the distance threshold from the first user device;

facilitate transmissions of a plurality of messages between the first instance of the shared application of the first user device and the corresponding instances of the shared application of the plurality of user devices, wherein the transmissions of the plurality of messages enable the first user and the plurality of users of the plurality of user devices to determine parameters associated with the sharing of the payment;

determine, based on the plurality of messages between the first user device and the plurality of user devices, a first portion of the payment assigned to the first user and a second portion of the payment assigned to a second user from the plurality of users; and

process the payment to an account of the merchant using the first portion of the payment from a first user account of the first user and the second portion of the payment from a second user account of the second user.

2 . The server of claim 1 , wherein executing the program instructions further causes the server to determine the intent to share the payment for the purchase transaction based on one or more user selections received via a graphical user interface (GUI) presented on the first user device.

3 . The server of claim 1 , wherein the transaction request comprises the identifier.

4 . The server of claim 1 , wherein facilitating the transmissions of the plurality of messages comprises routing one or more messages from the first instance of the shared application to the instances of the shared application.

5 . The server of claim 1 ,

wherein the interactions further comprise one or more physical taps between the first user device and the plurality of user devices.

6 . The server of claim 1 , wherein the transaction request is broadcasted using second near-field communications between the first user device and the plurality of user devices.

7 . A method comprising:

in response to determining an intent, of a first user via a first instance of a shared application of a first user device, to share a payment for a purchase transaction to purchase a product or service from a merchant, instructing, by a computer system, the first instance of the shared application to broadcast a transaction request to a plurality of user devices within a distance threshold from the first user device, wherein the purchase transaction is associated with an identifier, and wherein receiving the transaction request causes corresponding instances of the shared application of the plurality of user devices to present a message based on the identifier;

determining, by the computer system, confirmations from a plurality of users for participating in the payment for the purchase transaction based on interactions between the first user device and the plurality of user devices, the interactions comprising near-field communications between the first user device and the plurality of user devices when the plurality of user devices is within the distance threshold from the first user device;

facilitating, by the computer system, transmissions of a plurality of messages between the first instance of the shared application of the first user device and the corresponding instances of the shared application of the plurality of user devices, wherein the transmissions of the plurality of messages enable the first user and the plurality of users of the plurality of user devices to determine parameters associated with the sharing of the payment;

determining, by the computer system and based on the plurality of messages between the first user device and the plurality of user devices, a first portion of the payment assigned to the first user and a second portion of the payment assigned to a second user from the plurality of users; and

processing, by the computer system, the payment to an account of the merchant using the first portion of the payment from a first user account of the first user and the second portion of the payment from a second user account of the second user.

8 . The method of claim 7 , further comprising:

determining the intent to share the payment for the purchase transaction based on one or more user selections received via a graphical user interface (GUI) presented on the first user device.

9 . The method of claim 7 , wherein the transaction request comprises the identifier.

10 . The method of claim 7 , wherein the facilitating the transmissions of the plurality of messages comprises routing one or more messages from the first instance of the shared application to the instances of the shared application.

11 . The method of claim 7 , wherein the interactions further comprise a physical tap between the first user device and the plurality of user devices.

12 . The method of claim 7 , wherein the transaction request is broadcasted using second near-field communications between the first user device and the plurality of user devices.

13 . The method of claim 7 , further comprising:

determining that the first user account is associated with the first user and that the second user account is associated with the second user.

14 . A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

in response to determining an intent, of a first user via a first instance of a shared application of a first user device, to share a payment for a purchase transaction to purchase a product or service from a merchant, instructing the first instance of the shared application to broadcast a transaction request to a plurality of user devices within a distance threshold from the first user device, wherein the purchase transaction is associated with an identifier, and wherein receiving the transaction request causes corresponding instances of the shared application of the plurality of user devices to present a message based on the identifier;

determining confirmations from a plurality of users for participating in the payment for the purchase transaction based on interactions between the first user device and the plurality of user devices, the interactions comprising near-field communications between the first user device and the plurality of user devices when the plurality of user devices is within the distance threshold from the first user device;

facilitating transmissions of a plurality of messages between the first instance of the shared application of the first user device and the corresponding instances of the shared application of the plurality of user devices, wherein the transmissions of the plurality of messages enable the first user and the plurality of users of the plurality of user devices to determine parameters associated with the sharing of the payment;

determining, based on the plurality of messages between the first user device and the plurality of user devices, a first portion of the payment assigned to the first user and a second portion of the payment assigned to a second user from the plurality of users; and

processing the payment to an account of the merchant using the first portion of the payment from a first user account of the first user and the second portion of the payment from a second user account of the second user.

15 . The non-transitory machine-readable medium of claim 14 , wherein the operations further comprise:

determining the intent to share the payment for the purchase transaction based on one or more user selections received via a graphical user interface (GUI) presented on the first user device.

16 . The non-transitory machine-readable medium of claim 14 , wherein the transaction request comprises the identifier.

17 . The non-transitory machine-readable medium of claim 14 , wherein the facilitating the transmissions of the plurality of messages comprises routing one or more messages from the first instance of the shared application to the instances of the shared application.

18 . The non-transitory machine-readable medium of claim 14 , wherein the interactions further comprise a physical tap between the first user device and the plurality of user devices.

19 . The non-transitory machine-readable medium of claim 14 , wherein the transaction request is broadcasted using second near-field communications between the first user device and the plurality of user devices.

20 . The non-transitory machine-readable medium of claim 14 , wherein the operations further comprise:

determining that the first user account is associated with the first user and that the second user account is associated with the second user.

Assignments (2)

Continuity (6)

References Cited (42)