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1. 发明授权

US11687986B2 Method and system for facilitating invoice data, payment credit transfers, real-time package tracking, and account-to-account payment on delivery 有权
公开(公告)号：US11687986B2
公开(公告)日：2023-06-27
申请号：US16874939
申请日：2020-05-15
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： 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分类号： G06Q30/04 , G06Q10/1093 , G06Q10/083 , G06Q10/0875 , G06Q20/10 , G06Q30/0601 , G06F16/25 , G06Q20/40 , G06Q40/03 , G06F3/04883
CPC分类号： G06Q30/04 , G06F16/258 , G06Q10/0838 , G06Q10/0875 , G06Q10/1095 , G06Q20/108 , G06Q20/401 , G06Q30/0635 , G06Q40/03 , G06F3/04883
摘要： 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.

2. 发明申请

US20130185125A1 SYSTEMS AND METHODS FOR MANAGING OVERAGES IN DAILY DEALS 审中-公开
标题翻译：用于管理每日优惠的系统和方法
公开(公告)号：US20130185125A1
公开(公告)日：2013-07-18
申请号：US13740630
申请日：2013-01-14
申请人： Mastercard International Incorporated
发明人： Jose-Luis CELORIO-MARTINEZ , Jonathan Robert Powell , Andrea Christine Gilman , John Doherty
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0211
摘要： 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.
摘要翻译：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。

3. 发明授权

US12112359B2 Method and system for facilitating invoice data, payment credit transfers, real-time package tracking, and account-to-account payment on delivery 有权
公开(公告)号：US12112359B2
公开(公告)日：2024-10-08
申请号：US18144299
申请日：2023-05-08
申请人： Mastercard International Incorporated
发明人： 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分类号： G06Q30/04 , G06F16/25 , G06Q10/083 , G06Q10/0875 , G06Q10/1093 , G06Q20/10 , G06Q20/40 , G06Q30/0601 , G06Q40/03 , G06F3/04883
CPC分类号： G06Q30/04 , G06F16/258 , G06Q10/0838 , G06Q10/0875 , G06Q10/1095 , G06Q20/108 , G06Q20/401 , G06Q30/0635 , G06Q40/03 , G06F3/04883
摘要： 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.

4. 发明申请

US20140257920A1 METHOD AND SYSTEM FOR OFFER TARGETING BASED ON OFFER REDEMPTION 审中-公开
标题翻译：基于提供赎回的提供目标的方法和系统
公开(公告)号：US20140257920A1
公开(公告)日：2014-09-11
申请号：US13793616
申请日：2013-03-11
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Andrea Christine Gilman , Christopher Andrew Guiney , Lisa Yates
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0255
摘要： 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.
摘要翻译：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。

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