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公开(公告)号：US20220027965A1
公开(公告)日：2022-01-27
申请号：US17492528
申请日：2021-10-01
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Robert Pacifico
Abstract: A system and method for transmitting real-time messages within a supply chain financing (SCF) network using a using a customized and improved messaging protocol is provided. A computing device receives a SCF request message having an SCF messaging protocol including a plurality of data fields including SCF request data related to a request for supply chain financing including an early payment identifier, parses the SCF request message based upon the SCF messaging protocol, selects a financing entity for receiving the request, stores within the memory device the SCF request data, transmits an early payment message having the same messaging protocol to the selected financing entity, receives a confirmation message having the same SCF messaging protocol from the financing entity including a plurality of data fields including SCF confirmation data, and stores within the memory device the SCF confirmation data with the SCF request data.
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公开(公告)号：US11138642B2
公开(公告)日：2021-10-05
申请号：US16232764
申请日：2018-12-26
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Robert Pacifico
Abstract: A system and method for transmitting real-time messages within a supply chain financing (SCF) network using a using a customized and improved messaging protocol is provided. A computing device receives a SCF request message having an SCF messaging protocol including a plurality of data fields including SCF request data related to a request for supply chain financing including an early payment identifier, parses the SCF request message based upon the SCF messaging protocol, selects a financing entity for receiving the request, stores within the memory device the SCF request data, transmits an early payment message having the same messaging protocol to the selected financing entity, receives a confirmation message having the same SCF messaging protocol from the financing entity including a plurality of data fields including SCF confirmation data, and stores within the memory device the SCF confirmation data with the SCF request data.
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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.
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Patent Agency Ranking
公开(公告)号：US20220188805A1
公开(公告)日：2022-06-16
申请号：US17525583
申请日：2021-11-12
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Anthony Debellis , Shlomo Akiva Mayer , Aazum Shaikh , Travis Brown , Kelvin Leung , Robert Pacifico
Abstract: The disclosure herein relates to methods and systems of that facilitate instant payment of invoices based on automatic, intelligent, predictions that a buyer will approve an invoice without express input by the buyer. For example, a system may determine a probability that an invoice will be approved for payment by a buyer with express approval from the buyer. Once an invoice is automatically approved for payment, the system may employ various automated systems to facilitate payment to suppliers without the need for suppliers to extract virtual card data or other payment information from email payment requests or other invoice payment requirements to receive payment. For example, the system may generate calls to automatically generate virtual card numbers on behalf of buyers and submit payment messages for payments to suppliers using the virtual card numbers.
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公开(公告)号：US11830047B2
公开(公告)日：2023-11-28
申请号：US17492528
申请日：2021-10-01
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Robert Pacifico
IPC: G06Q30/04 , G06Q20/08 , H04L51/046 , G06Q10/087
CPC classification number: G06Q30/04 , G06Q10/087 , G06Q20/0855 , H04L51/046
Abstract: A system and method for transmitting real-time messages within a supply chain financing (SCF) network using a using a customized and improved messaging protocol is provided. A computing device receives a SCF request message having an SCF messaging protocol including a plurality of data fields including SCF request data related to a request for supply chain financing including an early payment identifier, parses the SCF request message based upon the SCF messaging protocol, selects a financing entity for receiving the request, stores within the memory device the SCF request data, transmits an early payment message having the same messaging protocol to the selected financing entity, receives a confirmation message having the same SCF messaging protocol from the financing entity including a plurality of data fields including SCF confirmation data, and stores within the memory device the SCF confirmation data with the SCF request data.
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公开(公告)号：US11829993B2
公开(公告)日：2023-11-28
申请号：US17525583
申请日：2021-11-12
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Anthony Debellis , Shlomo Akiva Mayer , Aazum Shaikh , Travis Brown , Kelvin Leung , Robert Pacifico
IPC: G06Q20/10 , G06Q20/34 , G06Q30/016 , G06Q20/40 , G06Q20/06
CPC classification number: G06Q20/351 , G06Q20/065 , G06Q20/102 , G06Q20/407 , G06Q30/016
Abstract: The disclosure herein relates to methods and systems of that facilitate instant payment of invoices based on automatic, intelligent, predictions that a buyer will approve an invoice without express input by the buyer. For example, a system may determine a probability that an invoice will be approved for payment by a buyer with express approval from the buyer. Once an invoice is automatically approved for payment, the system may employ various automated systems to facilitate payment to suppliers without the need for suppliers to extract virtual card data or other payment information from email payment requests or other invoice payment requirements to receive payment. For example, the system may generate calls to automatically generate virtual card numbers on behalf of buyers and submit payment messages for payments to suppliers using the virtual card numbers.
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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.
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公开(公告)号：US20200211072A1
公开(公告)日：2020-07-02
申请号：US16232764
申请日：2018-12-26
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Robert Pacifico
Abstract: A system and method for transmitting real-time messages within a supply chain financing (SCF) network using a using a customized and improved messaging protocol is provided. A computing device receives a SCF request message having an SCF messaging protocol including a plurality of data fields including SCF request data related to a request for supply chain financing including an early payment identifier, parses the SCF request message based upon the SCF messaging protocol, selects a financing entity for receiving the request, stores within the memory device the SCF request data, transmits an early payment message having the same messaging protocol to the selected financing entity, receives a confirmation message having the same SCF messaging protocol from the financing entity including a plurality of data fields including SCF confirmation data, and stores within the memory device the SCF confirmation data with the SCF request data.
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