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1. 发明申请

WO2007137283A2 ELECTRONIC TRANSACTION APPARATUS AND METHOD 审中-公开
标题翻译：电子交易设备和方法
公开(公告)号：WO2007137283A2
公开(公告)日：2007-11-29
申请号：PCT/US2007069531
申请日：2007-05-23
申请人： MASTERCARD INTERNATIONAL INC , LOVELETT JOHN M , KRIKORIAN SHARI , DOWNS EDWARD F , KRAMER JULIE , CAVALLARO ALICIA , DAMIANOV GEORGE , LEMMA BEZA , SINGH VIMAL
发明人： LOVELETT JOHN M , KRIKORIAN SHARI , DOWNS EDWARD F , KRAMER JULIE , CAVALLARO ALICIA , DAMIANOV GEORGE , LEMMA BEZA , SINGH VIMAL
IPC分类号： G06Q40/00
CPC分类号： G06Q20/14 , G06Q20/10 , G06Q20/102 , G06Q40/02
摘要： One inventive step includes facilitating obtaining a payment file associated with a buyer (for example, directly from the buyer, or from a third party partner) The file includes data specifying a first form of payment from the buyer to a first biller and data specifying a second form of payment, different than the first form of payment, from the buyer to a second biller Other inventive steps include facilitating appending first stored data to the data specifying the first form of payment to the first biller, to effectuate payment to the first biller by the first form of payment; and facilitating appending second stored data to the data specifying the second form of payment to the second biller, to effectuate payment to the second biller by the second form of payment.
摘要翻译：一个创造性步骤包括促进获得与买方相关联的支付文件（例如，直接从买方或从第三方合伙人获得）。该文件包括指定从买方到第一帐单者的第一种付款方式的数据，以及指定第二种付款形式，不同于第一种付款方式，从买方到第二帐单。其他创造性步骤包括便利将首先存储的数据附加到指定第一付款方式的数据给第一帐单者，以便向第一帐单者付款以第一种付款方式; 以及促进将第二存储数据附加到指定第二付款方式的数据给第二帐单者，以通过第二付款方式向第二帐单者付款。

2. 发明申请

WO2007137283A9 ELECTRONIC TRANSACTION APPARATUS AND METHOD 审中-公开
标题翻译：电子交易装置和方法
公开(公告)号：WO2007137283A9
公开(公告)日：2008-03-13
申请号：PCT/US2007069531
申请日：2007-05-23
申请人： MASTERCARD INTERNATIONAL INC , LOVELETT JOHN M , KRIKORIAN SHARI , DOWNS EDWARD F , KRAMER JULIE , CAVALLARO ALICIA , DAMIANOV GEORGE , LEMMA BEZA , SINGH VIMAL
发明人： LOVELETT JOHN M , KRIKORIAN SHARI , DOWNS EDWARD F , KRAMER JULIE , CAVALLARO ALICIA , DAMIANOV GEORGE , LEMMA BEZA , SINGH VIMAL
IPC分类号： H04K1/00
CPC分类号： G06Q20/14 , G06Q20/10 , G06Q20/102 , G06Q40/02
摘要： One inventive step includes facilitating obtaining a payment file associated with a buyer (for example, directly from the buyer, or from a third party partner). The file includes data specifying a first form of payment from the buyer to a first biller and data specifying a second form of payment, different than the first form of payment, from the buyer to a second biller. Other inventive steps include facilitating appending first stored data to the data specifying the first form of payment to the first biller, to effectuate payment to the first biller by the first form of payment; and facilitating appending second stored data to the data specifying the second form of payment to the second biller, to effectuate payment to the second biller by the second form of payment.
摘要翻译：一个创造性步骤包括促进获得与买方相关联的支付文件（例如，直接从买方或从第三方合作伙伴）。该文件包括指定从买方到第一帐单者的第一种付款方式的数据，以及指定与第一付款方式不同的第二付款方式的数据，从买方到第二帐单者。其他发明性步骤包括促进将首先存储的数据附加到指定第一付款方式的数据给第一帐单者，以通过第一付款方式实现对第一帐单者的支付; 并且促进将第二存储数据附加到指定第二付款方式的数据给第二帐单者，以通过第二付款方式向第二帐单者付款。

3. 发明申请

WO2006017630A3 METHOD AND SYSTEM FOR PURCHASE CARD UTILIZATION AND DATA RECONCILIATION WITH ENTERPRISE RESOURCE PLANNING/FINANCIAL SOFWARE 审中-公开
标题翻译：企业资源规划/财务状况购买卡使用和数据重组的方法与系统
公开(公告)号：WO2006017630A3
公开(公告)日：2007-07-05
申请号：PCT/US2005027672
申请日：2005-08-04
申请人： MASTERCARD INTERNATIONAL INC , KRIKORIAN SHARI , CAVALLARO ALICIA
发明人： KRIKORIAN SHARI , CAVALLARO ALICIA
IPC分类号： G06Q10/00 , G06Q20/00 , G06Q30/00
CPC分类号： G06Q20/02 , G06Q10/06 , G06Q20/102 , G06Q20/14 , G06Q30/04
摘要： The present invention provides a system and method for using an organization's existing ERP to perform automated reconciliation of purchasing card transactions. A buyer receives invoices from a supplier requesting payment for goods or services. The buyer's ERP validates the invoice using, for example, a three-way match process. After three-way validation, and once the invoices come due, the buyer's ERP sends the supplier an e-mail remittance advice. This remittance advice includes the buyer's partially masked purchasing card details, and a unique payment number that was previously generated by the buyer's ERP, and that is associated with a corresponding open purchase order. The supplier submits a payment authorization request to a POS device by inputing the partially masked purchasing card details and the unique payment number from the buyer ERP's e-mailed remittance advice. The payment network processes the supplier's payment request in accordance with conventional payment network authorization procedures. Periodically the buyer's ERP receives purchasing card transaction data from the purchasing card issuer. The purchasing card transaction data details the buyer's purchasing card transactions for the preceding period. The purchasing card transaction details include the unique payment number that was generated by the buyer's ERP, and that was inputted to the POS by the supplier during the payment authorization process. The buyer's ERP may use the unique payment number to match the purchasing card transaction back to a corresponding open purchase order.
摘要翻译：本发明提供一种使用组织的现有ERP来执行购买卡交易的自动对帐的系统和方法。买方从供应商那里收到要求货物或服务付款的发票。买方的ERP使用例如三方匹配流程来验证发票。三通验证后，一旦发票到期，买方的ERP将向供应商发送电子邮件汇款通知。此汇款通知包括买方部分屏蔽的采购卡详细信息，以及以前由买方的ERP生成的与相应的开仓采购订单相关联的唯一付款编号。供应商通过从买方ERP的电子邮件汇款通知中输入部分屏蔽的采购卡详细信息和唯一的付款号码，向POS设备提交付款授权请求。支付网络根据常规支付网络授权程序来处理供应商的支付请求。买家的ERP定期收到采购卡发卡行的采购卡交易数据。采购卡交易数据详细说明了上一期买家采购卡交易。采购卡交易详细信息包括由买方的ERP生成的唯一支付号码，供应商在付款授权过程中输入到POS。买家的ERP可以使用唯一的付款号码将购买卡交易与相应的开放采购订单相匹配。

4. 发明申请

WO2006026418A3 METHOD AND SYSTEM FOR AUTOMATED PAYMENT AUTHORIZATION AND SETTLEMENT 审中-公开
标题翻译：自动付款授权和结算方法与系统
公开(公告)号：WO2006026418A3
公开(公告)日：2006-05-04
申请号：PCT/US2005030384
申请日：2005-08-25
申请人： MASTERCARD INTERNATIONAL INC , KRIKORIAN SHARI , PHILLIOU PHILIP J , DOWNS EDWARD
发明人： KRIKORIAN SHARI , PHILLIOU PHILIP J , DOWNS EDWARD
IPC分类号： G06Q40/00
CPC分类号： G06Q20/02 , G06Q20/14 , G06Q20/204 , G06Q20/24 , G06Q20/40 , G06Q30/04 , G06Q30/06
摘要： The present invention provides a system and method to enable a third party service provider of EIPP services (120a) to initiate authorization and settlement of payment card payments with invoice line item data (Level III data), on behalf of either Buyer/Payers (110) or Supplier/Payees (130) to credit card acquirers (160) and/or transaction processors (160). Payment initiation (550) is based on submission of either a pre-approved invoice or order confirmation validated against a purchase order, or an invoice approved by the Buyer/Payer organization (110) and scheduled for payment (665).
摘要翻译：本发明提供一种使得EIPP服务（120a）的第三方服务提供商能够代表买方/付款人（110）发起支付卡付款的发票行项目数据（等级III数据）的系统和方法）或供应商/收款人（130）到信用卡获取者（160）和/或交易处理器（160）。付款开始（550）是根据提交的采购订单验证的预先批准的发票或订单确认书，或由买方/付款方组织（110）批准并计划付款（665）的发票。

5. 发明专利

SG11201706857UA TRANSMITTING DISBURSEMENTS FROM A COMMERCIAL FINANCIAL ACCOUNT 未知
公开(公告)号：SG11201706857UA
公开(公告)日：2017-09-28
申请号：SG11201706857U
申请日：2016-02-23
申请人： MASTERCARD INTERNATIONAL INC
发明人： KIMBERG DEBORAH M , KRIKORIAN SHARI , ROBINSON RODNEY A
IPC分类号： G06Q40/02 , G06Q20/14 , G06Q20/38
摘要： A disbursement computing device for transmitting disbursements from a payor to a payee through a payment processing network is provided. The disbursement computing device is configured to receive a disbursement message including at least one disbursement payment instruction for transferring funds from a commercial disbursement financial account of a payor to a financial account of a payee. The disbursement computing device is also configured to automatically transmit, for each disbursement payment instruction, a purchase authorization request message to an issuer bank associated with the payor, and receive a payment authorization message from the issuer bank associated with the payor that the commercial disbursement financial account has a balance that is at least equal to a disbursement amount. The disbursement computing device is further configured to initiate a transfer of funds equal to the disbursement amount from the financial account of the payor to the financial account of the payee.

6. 发明专利

MX2007001529A METODO Y SISTEMA PARA LA UTILIZACION DE TARJETAS DE COMPRA Y CONCILIACION DE DATOS CON SOFTWARE DE PLANIFICACION/FINANCIERO DE RECURSOS DE EMPRESAS.____________________________________________. 未知
公开(公告)号：MX2007001529A
公开(公告)日：2007-04-23
申请号：MX2007001529
申请日：2005-08-04
申请人： MASTERCARD INTERNATIONAL INC
发明人： KRIKORIAN SHARI , CAVALLARO ALICIA
IPC分类号： G06Q10/00 , G06Q20/00 , G06Q30/00
摘要： La presente invencion proporciona un sistema y metodo para utilizar un ERP existente de organizacion para realizar reconciliacion automatizada de transacciones de tarjeta de compras. Un comprador recibe facturas de un abastecedor que solicita el pago de productos o servicios. El ERP del comprador valida la factura utilizando, por ejemplo, un proceso de correlacion de tras vias. Despues de la validacion de tres vias, y una vez que las facturas se vuelven pagaderas, el ERP del comprador envia al abastecedor un aviso de remision por correo electronico. Este aviso de remision incluye los detalles de la tarjeta de compras parcialmente enmascaradas del comprador, y un numero de pago unico que se genero previamente por el ERP del comprador, y que se asocia con un pedido de compra abierto correspondiente. El abastecedor envia una solicitud de autorizacion de pago a un dispositivo de POS al ingresar los detalles de la tarjeta de compras parcialmente enmascarados y el numero de pago unico del aviso de remision enviado por correo electronico del ERP del comprador. La red de pago procesa la solicitud de pago del abastecedor de acuerdo con los procedimientos de autorizacion de red de pago convencionales. Periodicamente, el ERP del comprador recibe los datos de transaccion de la tarjeta de compras del emisor de la tarjeta de compras. Los datos de transaccion de la tarjeta de compras destallan las transacciones de la tarjeta de compras del comprador durante el periodo precedente. Los detalles de la transaccion de la tarjeta de compras incluyen el numero de pago unico que se genero por el ERP del comprador, y que se ingreso en el POS por el abastecedor durante el proceso de autorizacion de pago. El ERP del comprador puede utilizar el numero de pago unico para correlacionar la transaccion de la tarjeta de compras nuevamente con un pedido de compra abierto correspondiente.

7. 发明专利

CA2576162A1 METHOD AND SYSTEM FOR PURCHASE CARD UTILIZATION AND DATA RECONCILIATION WITH ENTERPRISE RESOURCE PLANNING/FINANCIAL SOFWARE 未知
公开(公告)号：CA2576162A1
公开(公告)日：2006-02-16
申请号：CA2576162
申请日：2005-08-04
申请人： MASTERCARD INTERNATIONAL INC
发明人： KRIKORIAN SHARI , CAVALLARO ALICIA
IPC分类号： G06Q10/00 , G06Q20/00 , G06Q30/00
摘要： The present invention provides a system and method for using an organization's existing ERP to perform automated reconciliation of purchasing card transactions. A buyer receives invoices from a supplier requesting payment for goods or services. The buyer's ERP validates the invoice using, for example, a three-way match process. After three-way validation, and once the invoices come due, the buyer's ERP sends the supplier an e-mail remittance advice. This remittance advice includes the buyer's partially masked purchasing card details, and a unique payment number that was previously generated by the buyer's ERP, and that is associated with a corresponding open purchase order. The supplier submits a payment authorization request to a POS device by inputing the partially masked purchasing card details and the unique payment number from the buyer ERP's e-mailed remittance advice. The payment network processes the supplier's payment request in accordance with conventional payment network authorization procedures. Periodically the buyer's ERP receives purchasing card transaction data from the purchasing card issuer. The purchasing card transaction data details the buyer's purchasing card transactions for the preceding period. The purchasing card transaction details include the unique payment number that was generated by the buyer's ERP, and that was inputted to the POS by the supplier during the payment authorization process. The buyer's ERP may use the unique payment number to match the purchasing card transaction back to a corresponding open purchase order.

8. 发明专利

CA2977503A1 TRANSMITTING DISBURSEMENTS FROM A COMMERCIAL FINANCIAL ACCOUNT 未知
公开(公告)号：CA2977503A1
公开(公告)日：2016-09-01
申请号：CA2977503
申请日：2016-02-23
申请人： MASTERCARD INTERNATIONAL INC
发明人： KIMBERG DEBORAH M , KRIKORIAN SHARI , ROBINSON RODNEY A
IPC分类号： G06Q20/10 , G06Q20/40
摘要： A disbursement computing device for transmitting disbursements from a payor to a payee through a payment processing network is provided. The disbursement computing device is configured to receive a disbursement message including at least one disbursement payment instruction for transferring funds from a commercial disbursement financial account of a payor to a financial account of a payee. The disbursement computing device is also configured to automatically transmit, for each disbursement payment instruction, a purchase authorization request message to an issuer bank associated with the payor, and receive a payment authorization message from the issuer bank associated with the payor that the commercial disbursement financial account has a balance that is at least equal to a disbursement amount. The disbursement computing device is further configured to initiate a transfer of funds equal to the disbursement amount from the financial account of the payor to the financial account of the payee.

9. 发明专利

AU2012200011A1 Method and system for automated payment authorization and settlement 未知
公开(公告)号：AU2012200011A1
公开(公告)日：2012-02-02
申请号：AU2012200011
申请日：2012-01-03
申请人： MASTERCARD INTERNATIONAL INC
发明人： KRIKORIAN SHARI , PHILLIOU PHILIP J , DOWNS EDWARD
IPC分类号： G06Q40/00
摘要： Abstract The present invention provides a system and method to enable a third party service provider of EIPP services (1 20a) to initiate authorization and settlement of payment card payments with invoice line item data (Level III 5 data), on behalf of either Buyer/Payers (110) or Supplier/Payees (130) to credit card acquirers (160) and/or transaction processors (160). Payment initiation (550) is based on submission of either a pre-approved invoice or order confirmation validated against a purchase order, or an invoice approved by the Buyer/Payer organization (110) and scheduled for payment (665).

10. 发明专利

CA2577271A1 METHOD AND SYSTEM FOR AUTOMATED PAYMENT AUTHORIZATION AND SETTLEMENT 未知
公开(公告)号：CA2577271A1
公开(公告)日：2006-03-09
申请号：CA2577271
申请日：2005-08-25
申请人： MASTERCARD INTERNATIONAL INC
发明人： DOWNS EDWARD , PHILLIOU PHILIP J , KRIKORIAN SHARI
IPC分类号： G06Q40/00
摘要： The present invention provides a system and method to enable a third party service provider of EIPP services to initiate authorization and settlement of payment card payments with invoice line item data (Level III data), on behalf of either Buyer/Payers or Supplier/Payees to credit card acquirers and/or transaction processors. Payment initiation is based on submission of either a pre-approved invoice or order confirmation validated against a purchase order, or an invoice approved by the Buyer/Payer organization and scheduled for payment.

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