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：US11481743B2

公开(公告)日：2022-10-25

申请号：US16511890

申请日：2019-07-15

Applicant: Mastercard International Incorporated

Inventor： Ellen Moskowitz ,  Sebastien Galperti ,  Chhomthyda Chhuan ,  Sriram Iyer ,  Patricia Ryan

IPC: G06Q20/14 ,  G06F16/2455

Abstract: A real-time electronic bill presentment and payment system of a bill presentment and payment system (BPPS) provider is exposed to at least one of a business financial institution and an accounting software provider via an API. The BPP provider facilitates the institution or software provider providing a real-time electronic bill presentment and payment mobile application to a business. The BPPS obtains, via the API, from the institution or software provider, registration information relevant to the business. The real-time system populates a biller directory database with the registration information. No action, other than the facilitating, is required by the BPPS provider for the institution or software provider to obtain the registration information. In some instances, provision is made for loss of connectivity between the institution or software provider and the business and/or for alerts to the business.

公开(公告)号：US12067545B2

公开(公告)日：2024-08-20

申请号：US17967000

申请日：2022-10-17

Applicant: Mastercard International Incorporated

Inventor： Ellen Moskowitz ,  Sebastien Galperti ,  Chhomthyda Chhuan ,  Sriram Iyer ,  Patricia Ryan

IPC: G06Q20/14 ,  G06F16/2455

CPC classification number: G06Q20/14 ,  G06F16/2455

Abstract: A real-time electronic bill presentment and payment system of a bill presentment and payment system (BPPS) provider is exposed to at least one of a business financial institution and an accounting software provider via an API. The BPP provider facilitates the institution or software provider providing a real-time electronic bill presentment and payment mobile application to a business. The BPPS obtains, via the API, from the institution or software provider, registration information relevant to the business. The real-time system populates a biller directory database with the registration information. No action, other than the facilitating, is required by the BPPS provider for the institution or software provider to obtain the registration information. In some instances, provision is made for loss of connectivity between the institution or software provider and the business and/or for alerts to the business.

公开(公告)号：US20210019718A1

公开(公告)日：2021-01-21

申请号：US16511890

申请日：2019-07-15

Applicant: Mastercard International Incorporated

Inventor： Ellen Moskowitz ,  Sebastien Galperti ,  Chhomthyda Chhuan ,  Sriram Iyer ,  Patricia Ryan

IPC: G06Q20/14 ,  G06F16/2455

Abstract: A real-time electronic bill presentment and payment system of a bill presentment and payment system (BPPS) provider is exposed to at least one of a business financial institution and an accounting software provider via an API. The BPP provider facilitates the institution or software provider providing a real-time electronic bill presentment and payment mobile application to a business. The BPPS obtains, via the API, from the institution or software provider, registration information relevant to the business. The real-time system populates a biller directory database with the registration information. No action, other than the facilitating, is required by the BPPS provider for the institution or software provider to obtain the registration information. In some instances, provision is made for loss of connectivity between the institution or software provider and the business and/or for alerts to the business.

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：US20230033359A1

公开(公告)日：2023-02-02

申请号：US17967000

申请日：2022-10-17

Applicant: Mastercard International Incorporated

Inventor： Ellen Moskowitz ,  Sebastien Galperti ,  Chhomthyda Chhuan ,  Sriram Iyer ,  Patricia Ryan

IPC: G06Q20/14 ,  G06F16/2455

Abstract: A real-time electronic bill presentment and payment system of a bill presentment and payment system (BPPS) provider is exposed to at least one of a business financial institution and an accounting software provider via an API. The BPP provider facilitates the institution or software provider providing a real-time electronic bill presentment and payment mobile application to a business. The BPPS obtains, via the API, from the institution or software provider, registration information relevant to the business. The real-time system populates a biller directory database with the registration information. No action, other than the facilitating, is required by the BPPS provider for the institution or software provider to obtain the registration information. In some instances, provision is made for loss of connectivity between the institution or software provider and the business and/or for alerts to the business.