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：US20130185125A1

公开(公告)日：2013-07-18

申请号：US13740630

申请日：2013-01-14

Applicant: Mastercard International Incorporated

Inventor： Jose-Luis CELORIO-MARTINEZ ,  Jonathan Robert Powell ,  Andrea Christine Gilman ,  John Doherty

IPC: G06Q30/02

CPC classification number: G06Q30/0211

Abstract: Methods and apparatus are disclosed for using a financial transaction card number system of a payment processing network as part of an overage management system. In an embodiment, a method receives an intelligent transaction card number used with a redemption code to purchase products or services contained in an offer, wherein the intelligent transaction card number indicates a total amount of a transaction and the total includes a value of the redeemed offer and an overage spent by the consumer in addition to the value of the redeemed offer. The method conducts post-clearing adjustments based on terms of the redeemed offer and generates instructions for corresponding credits or debits of funds. The method then receives instructions to: transfer funds from a first purse for the value of the redeemed offer and authorizes, clearing and settling the transferred funds; and to transfer funds from a second purse for the overage.

Abstract translation: 公开了使用支付处理网络的金融交易卡号码系统作为超额管理系统的一部分的方法和装置。 在一个实施例中，一种方法接收与兑换代码一起使用的智能交易卡号，以购买包含在报价中的产品或服务，其中智能交易卡号表示交易的总金额，并且总计包括已兑换报价的价值 以及消费者花费的超额赎回价格的价值。 该方法根据赎回要约的条款进行结算后调整，并生成相应的资金贷方或借项的指示。 该方法然后收到指示：从第一个钱包转移资金用于赎回要约的价值，并授权，清算和结算转移的资金; 并从第二个钱包转移资金用于超量。

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.

公开(公告)号：US20140257920A1

公开(公告)日：2014-09-11

申请号：US13793616

申请日：2013-03-11

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Andrea Christine Gilman ,  Christopher Andrew Guiney ,  Lisa Yates

IPC: G06Q30/02

CPC classification number: G06Q30/0255

Abstract: A method for distributing an offer to a consumer based on redemption history includes: storing consumer profiles, each including a consumer identifier and offer redemption data; receiving redeemed offers associated with a consumer identification, the offers associated with offer categories; identifying a specific profile, wherein the consumer identifier of the profile corresponds to the consumer identification; storing, in the offer redemption data of the specific profile, the redeemed offers; generating a behavioral profile for the specific profile based on the corresponding offer redemption data, wherein the behavioral profile includes a propensity to redeem an offer for each offer category; and transmitting an offer to a consumer associated with the specific profile, based on an offer category associated with the offer and the propensity to redeem an offer for that offer category associated with the consumer.

Abstract translation: 一种基于兑换历史向消费者分发报价的方法包括：存储消费者简档，每个消费者简档包括消费者标识符并提供兑换数据; 接收与消费者身份相关联的折扣优惠，与优惠类别相关的优惠; 识别特定简档，其中简档的消费者标识对应于消费者标识; 存储在特定配置文件的优惠兑换数据中，兑换优惠; 基于相应的报价兑换数据生成特定简档的行为简档，其中行为简档包括兑换每个报价类别的报价的倾向; 以及基于与所述报价相关联的报价类别和兑换与所述消费者相关联的所述报价类别的报价的倾向，向与所述特定简档相关联的消费者发送报价。