Systems and methods for real-time, distributed processing of group bill payments

1. A system for group bill payment comprising:

one or more hardware processors; and

a memory storing instructions executable by the one or more hardware processors to perform operations comprising:

creating a secure group bill payment account associated with a plurality of group members, wherein the group bill payment account is configured to:

receive, via a network from the plurality of group members, a username, a password, and a payment method for the group members; and

assign privileges to a group member to manage the group bill payment account;

receiving instructions from the managing group member to create a rule for requesting payment from the group members to the group bill payment account based on a bill from a provider, the instructions enabling access to notifications associated with the bill that are received by one or more of the group members;

automatically detecting a notification received from the provider by one of the group members indicating the bill is available;

receiving the bill based on the detected notification;

generating an ephemeral container instance in response to receiving the bill;

determining, by the container instance, a group member charge based on the bill and the rule;

sending, by the container instance, a payment request to a first group member based on the group member charge;

receiving a deposit into the group bill payment account from the first group member based on the payment request;

transmitting, by the container instance, the group payment from the group bill payment account to the provider, the group payment being based on the bill;

sending, by the container instance, a notification to the first group member, the notification comprising information about a status of the group payment; and

terminating the container instance.

2. The system of claim 1 , wherein the bill is a recurring bill.

3. The system of claim 1 , wherein receiving the bill comprises receiving an image file and using optical character recognition to generate text data based on the image file.

4. The system of claim 1 , wherein automatically detecting a notification further comprises:

accessing an email account using a credential; and

automatically detecting an email in the email account from the provider, wherein the email contains electronic billing information; and

wherein determining the first group member charge is further based on the electronic billing information.

5. The system of claim 1 , wherein transmitting a group payment comprises a direct debit.

6. The system of claim 1 , wherein transmitting a group payment comprises automatically generating and sending a check to the provider.

7. The system of claim 1 , wherein the rule is based on at least one of a predetermined percentage, an income, a usage rate, or a predetermined amount.

8. The system of claim 1 , wherein sending the payment request comprises at least one of an email, a text message, a push notification, a direct debit from a bank account, or a charge to a credit card.

9. The system of claim 1 , wherein the authentication process is a token-based authentication process.

10. The system of claim 1 , the operations further comprising receiving instructions to modify the rule for requesting payment from one of the group members.

11. The system of claim 10 , wherein the instructions to modify the rule comprises one of adding a new group member to the group payment account or deleting one of the group members from the group payment account.

12. The system of claim 1 , wherein creating the group payment account comprises linking an external bank account.

13. The system of claim 10 , wherein the instructions to modify the rule comprise at least one of changing a payment method, changing an amount owed, or changing a predetermined percentage.

14. The system of claim 1 , the operations further comprising receiving instructions to modify a privilege of a group member.

15. The system of claim 1 , wherein the notification comprises at least one of an email, a text message, or a push notification.

16. The system of claim 1 , the operations further comprising:

sending, based on nonpayment by the first group member, a second payment request to the first group member; and

sending, based on nonpayment by the first group member, a nonpayment notification to a second group member.

17. The system of claim 16 , wherein the nonpayment notification comprises at least one of sending an email, a text message, or a push notification.

18. The system of claim 1 , wherein transmitting the group payment comprises transmitting the group payment prior to receiving the deposit into the group bill payment account from the first group member.

19. A method for group bill payment comprising:

creating, by a group bill payment system, a secure group bill payment account associated with a plurality of group members, wherein the group bill payment account is configured to:

receive information via a network from the plurality of group members, the information comprising a respective username, a respective password, and a respective member payment method; and

assign privileges to a managing group member to permit the managing group member to manage the group bill payment account following an authentication process;

receiving, by the group bill payment system, instructions from the managing group member to create a rule for requesting payment from the group members to the group bill payment account based on a bill from a provider and being associated with the group members, the instructions enabling access to notifications associated with the bill that are received by one or more of the group members;

automatically detecting a notification received from the provider by one of the group members indicating the bill is available;

receiving, by the group bill payment system, the bill based on the detected notification;

generating an ephemeral container instance in response to receiving the bill;

determining, by the container instance, a group member charge based on the bill and the rule;

sending, by the container instance, a payment request to a first group member based on the first group member charge;

receiving, by the group bill payment system, a deposit into the group bill payment account from the first group member based on the payment request;

transmitting, by the container instance, a group payment from the group bill payment account to the provider, the group payment being based on the bill;

sending, by the container instance, a notification to the first group member, the notification comprising information about a status of the group payment; and

terminating the container instance.

20. A system for group bill payment comprising: one or more hardware processors; and

a memory storing instructions executable by the one or more hardware processors to perform operations comprising:

creating a group bill payment account associated with a plurality of group members, wherein the group bill payment account is configured to:

receive, via a network from the plurality of group members, a username, a password, and a member payment method for the group members; and

assign privileges to a managing group member to permit the managing group member to manage the group bill payment account;

receiving instructions to create a rule for automatic payment to the group bill payment account based on a bill from a provider, the instructions enabling access to notifications associated with the bill that are received by one or more of the group members;

automatically detecting a notification received from the provider by one of the group members indicating the bill is available;

receiving the automatic payment into the group bill payment account from one of the group members based on the rule;

transmitting a group payment from the group bill payment account to the provider, the group payment being based on the bill;

sending a notification to one or more of the group members, the notification comprising information about a status of the group payment.