Transaction account charge splitting

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 notifications to requestees to request payment from the requestees. The transaction account issuer may transfer the payment from a transaction account of the requestee to the consumer's transaction account.

1 . A system, comprising:
 at least one computing device associated with an issuer system, the at least one computing device comprising a processor and a memory; and   machine-readable instructions stored in the memory, wherein the machine-readable instructions, when executed by the processor, cause the at least one computing device to at least:
 authorize a transaction request associated with a user transaction account of a user; 
 receive a request to split an amount associated with the transaction request with one or more contacts of the user; 
 identify the one or more contacts associated with the user; 
 determine that a contact of the one or more contacts fails to have a contact transaction account with the issuer system; 
 generate a funds request notification comprising a split amount associated with the transaction request and a link for creating the contact transaction account with the issuer system; 
 transmit the funds request notification to a client device associated with the contact; 
 provision the contact transaction account for the contact in response to interactions by the contact with the link in the funds request notification; and 
 deduct the split amount from the contact transaction account. 
   
     
     
         2 . The system of  claim 1 , wherein, when executed, the machine-readable instructions cause the at least one computing device to at least:
 generate a transaction notification notifying that the transaction request has been processed; and   transmit the transaction notification to a client device associated with the user, the request to split the amount being received via one or more interactions with the transaction notification.   
     
     
         3 . The system of  claim 2 , wherein, the machine-readable instructions, when executed, further cause the at least one computing device to at least generate a voice personal assistant (VPA) interface, the transaction notification being transmitted and the one or more interactions being received via the VPA interface. 
     
     
         4 . The system of  claim 1 , wherein, when executed, the machine-readable instructions cause the at least one computing device to at least:
 initiate a communication session with a third-party entity; and   determining that the one or more contacts were present at a same location as the user at a time of a transaction associated with the transaction request based at least in part on the communication session with the third-party entity.   
     
     
         5 . The system of  claim 1 , wherein the contact comprises a first contact from the one or more contacts, the funds request notification comprises a first funds request notification, the client device comprises a first client device, and when executed, the machine-readable instructions cause the at least one computing device to at least:
 determine that a second contact from the one or more contacts has a loyalty points transaction account with the issuer system;   generate a second funds request notification identifying the split amount; and   transmit the second funds request notification to a second client device associated with the second contact.   
     
     
         6 . The system of  claim 5 , wherein, when executed, the machine-readable instructions cause the at least one computing device to at least:
 debit the loyalty points transaction account associated with the second contact based at least in part on the split amount.   
     
     
         7 . The system of  claim 1 , wherein, when executed, the machine-readable instructions cause the at least one computing device to at least:
 generate a user interface comprising a summary of payments by the one or more contacts; and   cause the user interface to be rendered on a user client device.   
     
     
         8 . A method, comprising:
 receiving a request to split a transaction amount with a plurality of contacts, the request being received from a client device associated with a user having a user transaction account with an issuer system;   generating a funds request notification comprising a split amount associated with the transaction request;   transmitting the funds request notification to a plurality of client devices associated with the plurality of contacts;   provisioning a first transaction account associated with a first contact of the plurality of contact in response to determining that the first contact fails to have a first transaction account with the issuer system;   debiting the split amount from the first transaction account associated with the first contact of the plurality of contacts; and   debiting the split amount from a second transaction account associated with a second contact of the plurality of contacts.   
     
     
         9 . The method of  claim 8 , wherein the request to split the transaction amount is received via a voice personal assistant (VPA) interface. 
     
     
         10 . The method of  claim 9 , further comprising identifying the plurality of contacts based at least in part on one or more interactions by the user with the VPA interface. 
     
     
         11 . The method of  claim 8 , further comprising identifying the plurality of contacts based at least in part on at least one of a geographic location, a calendar entry or social networking information associated with at least one third-party entity. 
     
     
         12 . The method of  claim 8 , wherein:
 the second transaction account comprises a loyalty point account, and   the debiting of the split amount from the second transaction account comprises deducting loyalty points corresponding to the split amount from the loyalty point account.   
     
     
         13 . The method of  claim 8 , further comprising:
 determining that the first contact fails to have the first transaction account with the issuer system; and   transmitting a link to a contact client device associated with the first contact, the link providing access for the first contact to apply for the first transaction account with the issuer system.   
     
     
         14 . A non-transitory computer-readable medium embodying a program executable in at least one computing device, wherein when executed, the program causes the at least one computing device to at least:
 generate a transaction notification notifying a user having a transaction account with an issuer that a transaction has been authorized;   transmit the transaction notification to a user client device associated with the user;   receive, via interactions with the transaction notification, a first request to split a transaction amount associated with the transaction;   identify a contact associated with the first request to split the transaction amount;   determine a split amount to request from the contact;   generate a funds notification request including the split amount and a second request to pay the split amount associated with the transaction;   transmit the funds notification request to a contact client device associated with the contact;   provision a contact transaction account to the contact in response to the contact creating the contact transaction account;   receive the split amount associated with the contact transaction account of the contact; and   credit the transaction account by the split amount.   
     
     
         15 . The non-transitory computer-readable medium of  claim 14 , wherein when executed, the program further causes the at least one computing device to at least:
 determine that the contact fails to have the contact transaction account associated with the issuer; and   transmit a link to create the contact transaction account to the contact client device.   
     
     
         16 . The non-transitory computer-readable medium of  claim 15 , wherein selection of the link causes an issuer mobile application to download on the contact client device. 
     
     
         17 . The non-transitory computer-readable medium of  claim 14 , wherein the contact transaction account comprises a loyalty points account, and when executed, the program further causes the at least one computing device to at least deduct the split amount in a form of loyalty points from the loyalty points account. 
     
     
         18 . The non-transitory computer-readable medium of  claim 14 , wherein when executed, the program further causes the at least one computing device to at least communicate with at least one third-party entity associated with the user via an application programming interface (API), the contact being identified via a communication with the at least one third-party entity. 
     
     
         19 . The non-transitory computer-readable medium of  claim 18 , wherein, when executed, the program further causes the at least one computing device to at least receive social networking information associated with the user from at least one third-party entity via the communication with the at least one third-party entity, the contact being identified based at least in part on the social networking information. 
     
     
         20 . The non-transitory computer-readable medium of  claim 14 , wherein when executed, the program further causes the at least one computing device to at least determine that the contact was present at a same location as the user at a time of the transaction, the contact being identified based at least in part on being present at the same location as the user at the time of the transaction.