US 11,687,986 B2
Method and system for facilitating invoice data, payment credit transfers, real-time package tracking, and account-to-account payment on delivery
Viviane Sabat, New York, NY (US); Andrea Christine Gilman, Chappaqua, NY (US); Jennifer Wang, Corona, NY (US); Abhinav Bhatt, Rye Brook, NY (US); Chhomthyda Chhuan, Long Island City, NY (US); Daniel Bae, Greenwich, CT (US); Alonso Araujo, New York, NY (US); James Nicholas Mortimer, Amersham (GB); Monica Taylor, Saint Charles, MO (US); Eitan Ahimor, White Plains, NY (US); Christopher Murray, Ballwin, MO (US); Mark N. Savoye, Hartsdale, NY (US); Robert Pacifico, Ridgefield, CT (US); Ashfaq Kamal, White Plains, NY (US); and Karan Sharma, Jersey City, NJ (US)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed on May 15, 2020, as Appl. No. 16/874,939.
Claims priority of provisional application 62/848,141, filed on May 15, 2019.
Claims priority of provisional application 62/898,842, filed on Sep. 11, 2019.
Claims priority of provisional application 62/915,817, filed on Oct. 16, 2019.
Claims priority of provisional application 62/932,945, filed on Nov. 8, 2019.
Prior Publication US 2020/0364760 A1, Nov. 19, 2020
Int. Cl. G06Q 30/04 (2012.01); G06Q 10/1093 (2023.01); G06Q 10/083 (2023.01); G06Q 10/0875 (2023.01); G06Q 20/10 (2012.01); G06Q 30/0601 (2023.01); G06F 16/25 (2019.01); G06Q 20/40 (2012.01); G06Q 40/03 (2023.01); G06F 3/04883 (2022.01)
CPC G06Q 30/04 (2013.01) [G06F 16/258 (2019.01); G06Q 10/0838 (2013.01); G06Q 10/0875 (2013.01); G06Q 10/1095 (2013.01); G06Q 20/108 (2013.01); G06Q 20/401 (2013.01); G06Q 30/0635 (2013.01); G06Q 40/03 (2023.01); G06F 3/04883 (2013.01)] 14 Claims
OG exemplary drawing
 
1. A method for real-time invoice updating and account-to-account payment, comprising:
downloading, by a delivery computing device within a payment on delivery (POD) system, a POD software application from a processing server;
installing, by the delivery computing device, the POD software application thereon;
presenting, on an interface of the delivery computing device, to a recipient at a delivery location, an invoice specific to the recipient for delivery of goods;
modifying, by the delivery computing device, using the POD software, the invoice of the recipient in response to the recipient interacting with the interface;
dynamically updating, by the delivery comping device, the invoice for presentation to the recipient and a basis of said modifying;
transmitting, by the delivery computing device, invoice data associated with the invoice modified by the recipient, to a processing server;
receiving, by a receiving device of the processing server, from the delivery computing device, the invoice data;
translating, by a processing device of the processing server, the received invoice data from an enterprise resource planning (ERP) format to an ISO 20222 format;
generating, by the processing device of the processing server, a request for payment (RFP) message based on the translated invoice data;
transmitting, by a transmitting device of the processing server, the RFP message to a financial institution associated with the recipient via a financial institution of a distributor;
receiving, by the receiving device of the processing server and 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;
in response to receiving the payment confirmation, generating, by the processing device of the processing server, reconciliation data based on the payment confirmation and the invoice data; and
transmitting, by the transmitting device of the processing server, the reconciliation data to a computing device of the distributor and a computing device of the recipient.