Mastercard International Incorporated

Medidata Solutions, Inc.

Stephen Parento

Alexis Suberville

Antonia Stroeh

John Doherty

Holliday Haynes

Ron Hynes

Peter J Flor

Ryan Patrick Bodman

Ronald Carl Hynes

Shekhar Sahgal

Wayne Molitor

Akshat Gupta

Ricardo Pareja

Matthew L Lanford

Claire Dudley-Hodson

Daniel Braga

Ryan Bodman

A method for completing a field in a form-based application includes extracting form data and elements from a form within the form-based application, where the form data and elements relate to a first field, generating an input window containing the form data and elements, including a second field corresponding to the first field, receiving input regarding the second field for which to fill in text, data, or both text and data, receiving input from an external source from which to fill in the text and/or data, loading the filled-in text and/or data into the second field in the input window, and transferring the captured text and/or data to the first field within the form-based application.

System and method for completing a field in a form-based application

An authorization request for a payment transaction is obtained, from a given one of a plurality of billers, over a payment network having a standard clearing and settlement time period. Via the payment network, a special IOU approval authorization request response to the authorization request for the payment transaction is passed, indicating that the given one of the plurality of billers will be paid in connection with the payment transaction after expiration of a grace period from a time of the authorization request, regardless of whether funds are available for an account associated with the payment transaction. The grace period is longer than the standard clearing and settlement time period. The payment transaction is not settled until expiration of the grace period.

Electronic grace period billing

An authorization request for a payment transaction is obtained, from a given one of a plurality of billers, over a payment network having a standard clearing and settlement time period. Via the payment network, a special incremental payments approval authorization request response to the authorization request for the payment transaction is passed, indicating that the given one of the plurality of billers will be paid in connection with the payment transaction in a plurality of incremental payments made in time increments over a selected time period following the authorization request, optionally regardless of whether funds are available for an account associated with the payment transaction. The selected time period is longer than the standard clearing and settlement time period. The payment transaction is not settled until expiration of the selected time period.

Electronic incremental payments

A plurality of billers are enrolled in a by-item bill payment program. An invoice is obtained from a given one of said billers, including multiple charges corresponding to at least one of goods and services purchased from the given one of said billers by a first payor. The invoice is modified, based at least in part on said enrolling step, to generate at least one modified invoice including multiple charges corresponding to at least one of goods and services purchased from the given one of said billers by said first payor, the multiple charges being handled under different payment terms. The at least one modified invoice is sent to said first payor; payment from said first payor is obtained; and the obtained payment is allocated. A specific exemplary software architecture for implementing the method is also disclosed.

By-item bill payments

A method includes storing payroll information for an employee of an employer. The payroll information may include the employee's name, address, electronic contact information, etc. A payroll service computer may receive an indication from an employer that the computer is to make a payroll disbursement to the employee. The computer may present disbursement options to the employee. The employee may select one of the disbursement options. The computer may initiate the payroll disbursement in accordance with the option selected by the employee.

Payroll system with flexible disbursement options

Pursuant to some embodiments, systems, methods, apparatus, and means for conducting payment transactions using mobile devices are provided in which a mobile device is presented at a point of sale for use in a payment transaction. A selection of a primary account is received from a user of the mobile device, and the mobile device automatically identifies a product type of the primary payment account. The mobile device selects and transmits a proxy payment account identifier having a product type equivalent to the product type of the primary payment account to the point of sale for use in the payment transaction. The point of sale causes a first payment authorization request message to be routed to an issuer of the proxy payment account.

Methods and systems for providing a payment account with adaptive interchange

Systems and methods are provided for transferring value from to a payment account associated with a virtual wallet of a consumer. The value can be transferred using voucher-based transactions or cash-based transactions. One exemplary method includes receiving, at a computing device, a load request to transfer value to a payment account associated with a consumer. The load request includes the value to be transferred and a directory number for a mobile device associated with the consumer. The method also includes determining an account number for the consumer's payment account, at the computing device, based on the directory number for the consumer's mobile device and generating, by the computing device, a request indicating the value to transfer to the payment account and the account number for the consumer's payment account.

Systems and methods for transferring value to payment accounts

Systems and methods are provided for transferring value from a voucher to a payment account associated with a consumer. One exemplary method includes receiving, at a computing device, a load request to transfer value from a voucher to a payment account associated with a consumer. The load request includes a selection, at the computing device, of a provider associated with the voucher, from multiple different available voucher providers. A transaction request is then communicated, by the computing device, to transfer the value from the voucher to the payment account. The transaction request includes an identification number for the voucher and an account number for the payment account. When a transfer authorization is received at the computing device in response to the transaction request, a confirmation is generated, by the computing device, indicating that the value from the voucher has been transferred to the payment account.

Growing community of inventors

White Plains, NY, United States of America

Stephen Parento