公开(公告)号：US11687986B2

公开(公告)日：2023-06-27

申请号：US16874939

申请日：2020-05-15

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Viviane Sabat ,  Andrea Christine Gilman ,  Jennifer Wang ,  Abhinav Bhatt ,  Chhomthyda Chhuan ,  Daniel Bae ,  Alonso Araujo ,  James Nicholas Mortimer ,  Monica Taylor ,  Eitan Ahimor ,  Christopher Murray ,  Mark N. Savoye ,  Robert Pacifico ,  Ashfaq Kamal ,  Karan Sharma

IPC: G06Q30/04 ,  G06Q10/1093 ,  G06Q10/083 ,  G06Q10/0875 ,  G06Q20/10 ,  G06Q30/0601 ,  G06F16/25 ,  G06Q20/40 ,  G06Q40/03 ,  G06F3/04883

CPC classification number: G06Q30/04 ,  G06F16/258 ,  G06Q10/0838 ,  G06Q10/0875 ,  G06Q10/1095 ,  G06Q20/108 ,  G06Q20/401 ,  G06Q30/0635 ,  G06Q40/03 ,  G06F3/04883

Abstract: A method for real-time invoice updating and account-to-account payment includes: receiving invoice data based on presentation of an invoice by a distributor to a recipient at a delivery location, modification of the invoice by the recipient, and acceptance of the invoice by the recipient; generating a request for payment (RFP) message based on the invoice data; transmitting the RFP message to a financial institution associated with the recipient via a financial institution of the distributor; receiving, from the financial institution associated with the distributor, a payment confirmation for the invoice based on a real-time payment from the financial institution associated with the recipient; generating reconciliation data based on the payment confirmation and the invoice data; and transmitting the reconciliation data to a computing device of the distributor and a computing device of the recipient.

公开(公告)号：US12112359B2

公开(公告)日：2024-10-08

申请号：US18144299

申请日：2023-05-08

Applicant: Mastercard International Incorporated

Inventor： Viviane Sabat ,  Andrea Christine Gilman ,  Jennifer Wang ,  Abhinav Bhatt ,  Chhomthyda Chhuan ,  Daniel Bae ,  Alonso Araujo ,  James Nicholas Mortimer ,  Monica Taylor ,  Eitan Ahimor ,  Christopher Murray ,  Mark N. Savoye ,  Robert Pacifico ,  Ashfaq Kamal ,  Karan Sharma

IPC: G06Q30/04 ,  G06F16/25 ,  G06Q10/083 ,  G06Q10/0875 ,  G06Q10/1093 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q30/0601 ,  G06Q40/03 ,  G06F3/04883

CPC classification number: G06Q30/04 ,  G06F16/258 ,  G06Q10/0838 ,  G06Q10/0875 ,  G06Q10/1095 ,  G06Q20/108 ,  G06Q20/401 ,  G06Q30/0635 ,  G06Q40/03 ,  G06F3/04883

Abstract: A method for real-time invoice updating and account-to-account payment includes: receiving invoice data based on presentation of an invoice by a distributor to a recipient at a delivery location, modification of the invoice by the recipient, and acceptance of the invoice by the recipient; generating a request for payment (RFP) message based on the invoice data; transmitting the RFP message to a financial institution associated with the recipient via a financial institution of the distributor; receiving, from the financial institution associated with the distributor, a payment confirmation for the invoice based on a real-time payment from the financial institution associated with the recipient; generating reconciliation data based on the payment confirmation and the invoice data; and transmitting the reconciliation data to a computing device of the distributor and a computing device of the recipient.