Travis D Brown

US Patent:

20220188805, Jun 16, 2022

Filed:

Nov 12, 2021

Appl. No.:

17/525583

Inventors:

- Purchase NY, US
Shlomo Akiva Mayer - Clifton NJ, US
Aazum Shaikh - New York NY, US
Travis Brown - Bethel CT, US
Kelvin Leung - Penham NY, US
Robert Pacifico - Ridgefield CT, US

Assignee:

MASTERCARD INTERNATIONAL INCORPORATED - Purchase NY

International Classification:

G06Q 20/34
G06Q 20/10
G06Q 20/06
G06Q 20/40
G06Q 30/00

Abstract:

The disclosure herein relates to methods and systems of that facilitate instant payment of invoices based on automatic, intelligent, predictions that a buyer will approve an invoice without express input by the buyer. For example, a system may determine a probability that an invoice will be approved for payment by a buyer with express approval from the buyer. Once an invoice is automatically approved for payment, the system may employ various automated systems to facilitate payment to suppliers without the need for suppliers to extract virtual card data or other payment information from email payment requests or other invoice payment requirements to receive payment. For example, the system may generate calls to automatically generate virtual card numbers on behalf of buyers and submit payment messages for payments to suppliers using the virtual card numbers.