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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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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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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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