John A Marchetti

US Patent:

8311913, Nov 13, 2012

Filed:

Feb 13, 2008

Appl. No.:

12/030785

Inventors:

John N. Marchetti - Monrovia MD, US
Matthew Mullen - Danville CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06Q 20/00

US Classification:

705 35, 705 7, 705 39, 705 40

Abstract:

A method begins with a payment entity device receiving payables process data from a client device. The payables process data includes a list of a plurality of creditors and associated payment data, wherein, for a creditor of the plurality of creditors, the associated payment data includes at least one payment scheme for paying at least a portion of debt owed to the creditor via at least one of: a client credit card, a funds transfer, commercial paper, tangible consideration, and a debit account. The method continues with the payment entity device determining level of service for a client associated with the client device. The method continues with the payment entity device generating a payables profile for the client based on the payables process data in accordance with the level of service.

US Patent:

8311914, Nov 13, 2012

Filed:

Feb 13, 2008

Appl. No.:

12/030804

Inventors:

John N. Marchetti - Monrovia MD, US
Matthew Mullen - Danville CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06Q 20/00

US Classification:

705 35, 705 7

Abstract:

A method begins by receiving an accounts payable data file from a client device. The method continues by determining whether a payables profile of a client associated with the client device is to be modified based on the accounts payable data file. The method continues by determining a level of service of the client when the payables profile is not to be modified. The method continues processing payment transactions for accounts payable contained in the accounts payable data file on behalf of the client in accordance with the payables profile via a wide area network when the level of service is a first level of service.

US Patent:

8311937, Nov 13, 2012

Filed:

Feb 13, 2008

Appl. No.:

12/030771

Inventors:

John N. Marchetti - Monrovia MD, US
Matthew Mullen - Danville CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06Q 20/00

US Classification:

705 39, 705 7, 705 35

Abstract:

A method begins by providing at least one account level preference of a plurality of account level preferences based on a level of subscription. The method continues by receiving a selection of one of the at least one of the account level preference to produce a selected account level preference. The method continues by generating payables process data in accordance with the selected account level preference. The payables process data includes a list of a plurality of creditors and associated payment data. For a creditor of the plurality of creditors, the associated payment data includes at least one payment scheme for paying at least a portion of debt owed to the creditor via at least one of: a business credit card, a funds transfer, commercial paper, tangible consideration, and a debit account. The method continues by transmitting the payable process data to a payment entity device.

US Patent:

8341046, Dec 25, 2012

Filed:

Feb 13, 2008

Appl. No.:

12/030824

Inventors:

John N. Marchetti - Monrovia MD, US
Matthew Mullen - Danville CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06Q 10/00

US Classification:

705 35, 705 7, 705 30, 705 64, 705 1, 705 45

Abstract:

A method begins by storing payment request data, which, for a client, includes a payables profile and an accounts payable data file. The method continues by receiving payment remittance information subsequent to initiation of a payment in accordance with the payment request data. The method continues by storing the payment remittance information. The method continues by consolidating the payment remittance information and the payment request data to produce consolidated payment data. The method continues by generating at least one report based on the consolidated payment data.

US Patent:

8374932, Feb 12, 2013

Filed:

Feb 13, 2008

Appl. No.:

12/030816

Inventors:

John N. Marchetti - Monrovia MD, US
Matthew Mullen - Danville CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06Q 20/00

US Classification:

705 35, 705 30, 705 39, 705 42, 705 43

Abstract:

A method begins with a payment entity device receiving an accounts payable data file from a client entity processing module. The method continues with the payment entity device determining a method of payment for an account payable of the accounts payable data file in accordance with a payables profile. The method continues with the payment entity device initiating a first type of payment for the account payable when the method of payment is a first type; initiating a second type of payment for the account payable, when the method of payment is a second type, or initiating a third type of payment for the account payable when the method of payment is a third type.

US Patent:

8560417, Oct 15, 2013

Filed:

Sep 26, 2012

Appl. No.:

13/627941

Inventors:

John Nicholas Marchetti - Monrovia MD, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06Q 40/00
G06Q 40/02

US Classification:

705 35, 705 37, 705 38, 705 39, 705 44, 705 40, 705 41, 705 26

Abstract:

A method begins by receiving an accounts payable data file from a client device. The method continues by determining whether a payables profile of a client associated with the client device is to be modified based on the accounts payable data file. The method continues by determining a level of service of the client when the payables profile is not to be modified. The method continues processing payment transactions for accounts payable contained in the accounts payable data file on behalf of the client in accordance with the payables profile via a wide area network when the level of service is a first level of service.

US Patent:

8615457, Dec 24, 2013

Filed:

Oct 16, 2012

Appl. No.:

13/653350

Inventors:

John Nicholas Marchetti - Monrovia MD, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06Q 40/00
G06Q 40/02

US Classification:

705 35, 235380, 705 39, 705 711, 705 30, 705 40, 705 42, 705 44, 705 43

Abstract:

A method begins by storing payment request data, which, for a client, includes a payables profile and an accounts payable data file. The method continues by receiving payment remittance information subsequent to initiation of a payment in accordance with the payment request data. The method continues by storing the payment remittance information. The method continues by consolidating the payment remittance information and the payment request data to produce consolidated payment data. The method continues by generating at least one report based on the consolidated payment data.

US Patent:

20130117178, May 9, 2013

Filed:

Sep 26, 2012

Appl. No.:

13/627949

Inventors:

Matthew James Mullen - Danville CA, US
John Nicholas Marchetti - Monrovia MD, US

International Classification:

G06Q 20/22

US Classification:

705 40

Abstract:

A method begins with a payment entity device receiving payables process data from a client device. The payables process data includes a list of a plurality of creditors and associated payment data, wherein, for a creditor of the plurality of creditors, the associated payment data includes at least one payment scheme for paying at least a portion of debt owed to the creditor via at least one of: a client credit card, a funds transfer, commercial paper, tangible consideration, and a debit account. The method continues with the payment entity device determining level of service for a client associated with the client device. The method continues with the payment entity device generating a payables profile for the client based on the payables process data in accordance with the level of service.