US Patent 8401968 Mobile group payments

A mobile group payment service enables members of a group to access a group account. The group account may enable members to transmit funds, request funds, and perform account queries, and modify account settings, among other possible operations. A member may request a payment from the group account to a target account. A transaction authorization service may facilitate an authorization process to determine whether the requested payment is authorized by one or more of the other members of the group. Upon authorization, the requested payment may be completed by transferring funds to the target account.