Abstract: A split payment method at a transaction time requires a unique/special password for a payment transaction in the time of creating a split payment definition. A split payment can be initiated before a purchase, relevant confirmations can be received from stakeholders, and the split payment can be addressed with a password defined for a specific purchase. The split payment method also provides a real time authorization mechanism that allows to split the payment amount between the stakeholders.

Abstract: An account sharing system that enables users to access monetary funds in a virtual account through a system, which includes at least one server, and an application installed on a mobile device. The virtual account has a blocked and an unblocked feature and has monetary limits placed therein for the users to access the monetary funds. The virtual account has a temporary limit for the user to spend the monetary funds at merchant shops and each of the users of the virtual account may spend the monetary funds within the virtual account at different and/or the same merchant shops.

Abstract: A credit card sharing system that enables an end user to make a payment on behalf of users added to an application through the user adding module just by using a mobile or similar device without carrying a physical credit card. Users define a temporary limit on at least one credit card which is defined into the system and which is owned by the user; and a temporary limit to be spent at member shops by the member users, for which this temporary limit is defined. An alternative account sharing method includes a person sharing an amount of money in his or her account instead of sending money to other users. Thus, the account owner keeps all rights and control over the money while maintaining their usage parameters. Instead of a money transfer, the account sharing method provides an alternative financial feature.