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公开(公告)号：US20170004468A1
公开(公告)日：2017-01-05
申请号：US14789525
申请日：2015-07-01
Applicant: MasterCard International Incorporated
Inventor： Antonia Stroeh , John Doherty , Alexis Suberville , Holliday Haynes , Stephen Parento
CPC classification number: G06Q20/14 , G06Q20/023 , G06Q20/29
Abstract: A method includes the steps of: enrolling a plurality of billers and a plurality of payors in a multiple payor bill payment program; receiving an invoice from a given one of the billers, the invoice being generated in response to an order for goods and/or services initiated by at least one of the payors; splitting the invoice into multiple parts according to prescribed rules corresponding to each of a subset of the payors associated with the order; sending the multiple parts of the invoice to the subset of the payors associated with the order; receiving payments from the subset of the plurality of payors associated with the order; and sending the payments to the given one of the billers.
Abstract translation: 一种方法包括以下步骤：在多付费账单支付程序中登记多个帐单者和多个付款人; 从给定的一个帐户收到发票，发票是响应由至少一个付款人发起的货物和/或服务的订单而产生的; 根据与订单相关的付款人的子集中的每一个对应的规定规则将发票拆分成多个部分; 将发票的多个部分发送到与订单相关的付款人的子集; 从与订单相关联的多个付款人的子集中接收付款; 并将付款发送给给定的一个帐户。
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公开(公告)号：US10311413B2
公开(公告)日：2019-06-04
申请号：US14789503
申请日：2015-07-01
Applicant: MasterCard International Incorporated
Inventor： Antonia Stroeh , John Doherty , Alexis Suberville , Holliday Haynes , Stephen Parento
Abstract: A plurality of billers are enrolled in a by-item bill payment program. An invoice is obtained from a given one of said billers, including multiple charges corresponding to at least one of goods and services purchased from the given one of said billers by a first payor. The invoice is modified, based at least in part on said enrolling step, to generate at least one modified invoice including multiple charges corresponding to at least one of goods and services purchased from the given one of said billers by said first payor, the multiple charges being handled under different payment terms. The at least one modified invoice is sent to said first payor; payment from said first payor is obtained; and the obtained payment is allocated. A specific exemplary software architecture for implementing the method is also disclosed.
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公开(公告)号：US20170004498A1
公开(公告)日：2017-01-05
申请号：US14789457
申请日：2015-07-01
Applicant: MasterCard International Incorporated
Inventor： Antonia Stroeh , John Doherty , Alexis Suberville , Holliday Haynes , Stephen Parento , Wayne Molitor , Peter J. Flor
CPC classification number: G06Q20/405 , G06Q20/023 , G06Q20/14
Abstract: An authorization request for a payment transaction is obtained, from a given one of a plurality of billers, over a payment network having a standard clearing and settlement time period. Via the payment network, a special incremental payments approval authorization request response to the authorization request for the payment transaction is passed, indicating that the given one of the plurality of billers will be paid in connection with the payment transaction in a plurality of incremental payments made in time increments over a selected time period following the authorization request, optionally regardless of whether funds are available for an account associated with the payment transaction. The selected time period is longer than the standard clearing and settlement time period. The payment transaction is not settled until expiration of the selected time period.
Abstract translation: 通过具有标准结算和结算时间段的支付网络，从多个帐户中的给定的一个获得支付交易的授权请求。 通过支付网络，通过对支付交易的授权请求的特殊增量支付批准授权请求响应，指示多个帐户中的给定的一个帐户将在多个增量支付中与支付交易相关联地支付 在授权请求之后的选定时间段内以时间递增，可选地，不管资金是否可用于与支付交易相关联的账户。 所选时间长于标准结算和结算时间段。 付款交易在所选时间段到期之前尚未结算。
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Patent Agency Ranking
公开(公告)号：US10535067B2
公开(公告)日：2020-01-14
申请号：US14789457
申请日：2015-07-01
Applicant: MasterCard International Incorporated
Inventor： Antonia Stroeh , John Doherty , Alexis Suberville , Holliday Haynes , Stephen Parento , Wayne Molitor , Peter J. Flor
Abstract: An authorization request for a payment transaction is obtained, from a given one of a plurality of billers, over a payment network having a standard clearing and settlement time period. Via the payment network, a special incremental payments approval authorization request response to the authorization request for the payment transaction is passed, indicating that the given one of the plurality of billers will be paid in connection with the payment transaction in a plurality of incremental payments made in time increments over a selected time period following the authorization request, optionally regardless of whether funds are available for an account associated with the payment transaction. The selected time period is longer than the standard clearing and settlement time period. The payment transaction is not settled until expiration of the selected time period.
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公开(公告)号：US20170004463A1
公开(公告)日：2017-01-05
申请号：US14789503
申请日：2015-07-01
Applicant: MasterCard International Incorporated
Inventor： Antonia Stroeh , John Doherty , Alexis Suberville , Holliday Haynes , Stephen Parento
IPC: G06Q20/10
CPC classification number: G06Q20/102 , G06Q30/04
Abstract: A plurality of billers are enrolled in a by-item bill payment program. An invoice is obtained from a given one of said billers, including multiple charges corresponding to at least one of goods and services purchased from the given one of said billers by a first payor. The invoice is modified, based at least in part on said enrolling step, to generate at least one modified invoice including multiple charges corresponding to at least one of goods and services purchased from the given one of said billers by said first payor, the multiple charges being handled under different payment terms. The at least one modified invoice is sent to said first payor; payment from said first payor is obtained; and the obtained payment is allocated. A specific exemplary software architecture for implementing the method is also disclosed.
Abstract translation: 多个账单被登记在一个副账单支付程序中。 从给定的所述帐户中获得发票，包括对应于由第一付款人从给定的一个所述账户购买的商品和服务中的至少一个的多个费用。 所述发票至少部分地基于所述登记步骤进行修改，以产生至少一个修改的发票，其中包括对应于由所述第一付款人从给定的一个所述帐户购买的商品和服务中的至少一个的多个费用，多个费用 按不同的付款条件处理。 所述至少一个经修改的发票被发送到所述第一付款人; 获得所述第一付款人的付款; 并且分配所获得的支付。 还公开了用于实现该方法的特定示例性软件架构。
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公开(公告)号：US12125569B2
公开(公告)日：2024-10-22
申请号：US17226816
申请日：2021-04-09
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Raman Narayanswamy , Przemek Praszczalek , Antonia Stroeh , Paul Michael Musser , Shashi Raghunandan
CPC classification number: G16H10/65 , A61B5/0022 , G06F16/27 , G06K19/06037 , G06K19/06112 , G16H10/40 , G16H40/67 , G06F21/32
Abstract: Biometrically-linked electronic proof of health status of an individual. In one embodiment, an electronic device including a biometric capture circuitry, a memory, and an electronic processor. The biometric capture circuitry configured to capture one or more biometrics of the individual. The electronic processor is configured to receive the one or more biometrics of the individual that are captured by the biometric capture circuitry, generate a biometric token of the individual based on the one or more biometrics, receive information indicative of a health status of the individual, link the information indicative of the health status of the individual to the biometric token, and control the memory to store the biometric token and the information indicative of the health status of the individual that is linked to the biometric token.
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公开(公告)号：US20210327551A1
公开(公告)日：2021-10-21
申请号：US17226816
申请日：2021-04-09
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Raman Narayanswamy , Przemek Praszczalek , Antonia Stroeh , Paul Michael Musser , Shashi Raghunandan
Abstract: Biometrically-linked electronic proof of health status of an individual. In one embodiment, an electronic device including a biometric capture circuitry, a memory, and an electronic processor. The biometric capture circuitry configured to capture one or more biometrics of the individual. The electronic processor is configured to receive the one or more biometrics of the individual that are captured by the biometric capture circuitry, generate a biometric token of the individual based on the one or more biometrics, receive information indicative of a health status of the individual, link the information indicative of the health status of the individual to the biometric token, and control the memory to store the biometric token and the information indicative of the health status of the individual that is linked to the biometric token.
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公开(公告)号：US20170004467A1
公开(公告)日：2017-01-05
申请号：US14789482
申请日：2015-07-01
Applicant: MasterCard International Incorporated
Inventor： Antonia Stroeh , John Doherty , Alexis Suberville , Holliday Haynes , Stephen Parento , Wayne Molitor , Peter J. Flor
CPC classification number: G06Q20/14 , G06Q20/027 , G06Q20/405
Abstract: An authorization request for a payment transaction is obtained, from a given one of a plurality of billers, over a payment network having a standard clearing and settlement time period. Via the payment network, a special IOU approval authorization request response to the authorization request for the payment transaction is passed, indicating that the given one of the plurality of billers will be paid in connection with the payment transaction after expiration of a grace period from a time of the authorization request, regardless of whether funds are available for an account associated with the payment transaction. The grace period is longer than the standard clearing and settlement time period. The payment transaction is not settled until expiration of the grace period.
Abstract translation: 通过具有标准结算和结算时间段的支付网络，从多个帐户中的给定的一个获得支付交易的授权请求。 通过支付网络，通过对支付交易的授权请求的特殊的IOU批准授权请求响应，指示在宽限期期满之后与多个账单中的给定一个账户相关联的支付交易 授权请求的时间，不管资金是否可用于与支付交易相关联的帐户。 宽限期比标准结算和结算时间长。 支付交易在宽限期到期之前尚未结算。
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