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

IPC: G06Q20/34 ,  G06Q20/10 ,  G06Q20/06 ,  G06Q20/40 ,  G06Q30/00

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.

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.