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1. 发明申请

WO2006017630A2 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：WO2006017630A2
公开(公告)日：2006-02-16
申请号：PCT/US2005/027672
申请日：2005-08-04
申请人： MASTERCARD INTERNATIONAL INCORPORATED , KRIKORIAN, Shari , CAVALLARO, Alicia
发明人： KRIKORIAN, Shari , CAVALLARO, Alicia
IPC分类号： G06Q40/00
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。

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