Abstract: A computer-implemented control system and method for data allocating of a plurality of sharing database files having share amounts based on a plurality of requests from a plurality of receiving devices of a direct sharing network and method for displaying and initiating transfer according to the allocating component. A display device and user input device displays sending elements, receiving elements, and share components in a location-specific manner. The allocating component determines the allocating of shares between the plurality of user sending devices to the plurality of user receiving devices. Allocating may proceed in an iterative process using multiple steps, over different time frames, for increasing the speed of sharing through the direct sharing network.

Abstract: A peer-to-peer direct sharing system and method for efficient payment of medical expenses with funds from the other members and the receiving member's own contribution. A display device and user input device encourages member interaction and personal connection using geographic representation of sharing. The allocation component determines the sharing between members where the sending member sends a share amount to one or more receiving members. Allocation may proceed in multiple steps, over different time frames, to encourage rapid sharing from one member to another. Transfer approval may be contingent on member interaction to send funds directly from one member's virtual wallet to another member's virtual bill account. Paying providers is streamlined by bundling payments from multiple sharing members and an unsharable portion from the receiving member into a single payment.