Chhomthyda P Chhuan

20230033359, Feb 2, 2023

Oct 17, 2022

17/967000

- Purchase NY, US
Sebastien Galperti - New York NY, US
Chhomthyda Chhuan - Long Island City NY, US
Sriram Iyer - Ardsley NY, US
Patricia Ryan - Greenwich CT, US

G06Q 20/14
G06F 16/2455

A real-time electronic bill presentment and payment system of a bill presentment and payment system (BPPS) provider is exposed to at least one of a business financial institution and an accounting software provider via an API. The BPP provider facilitates the institution or software provider providing a real-time electronic bill presentment and payment mobile application to a business. The BPPS obtains, via the API, from the institution or software provider, registration information relevant to the business. The real-time system populates a biller directory database with the registration information. No action, other than the facilitating, is required by the BPPS provider for the institution or software provider to obtain the registration information. In some instances, provision is made for loss of connectivity between the institution or software provider and the business and/or for alerts to the business.

20210019718, Jan 21, 2021

Jul 15, 2019

16/511890

- Purchase NY, US
Sebastien Galperti - New York NY, US
Chhomthyda Chhuan - Long Island City NY, US
Sriram Iyer - ARDSLEY NY, US
Patricia Ryan - GREENWICH CT, US

G06Q 20/14
G06F 16/2455

A real-time electronic bill presentment and payment system of a bill presentment and payment system (BPPS) provider is exposed to at least one of a business financial institution and an accounting software provider via an API. The BPP provider facilitates the institution or software provider providing a real-time electronic bill presentment and payment mobile application to a business. The BPPS obtains, via the API, from the institution or software provider, registration information relevant to the business. The real-time system populates a biller directory database with the registration information. No action, other than the facilitating, is required by the BPPS provider for the institution or software provider to obtain the registration information. In some instances, provision is made for loss of connectivity between the institution or software provider and the business and/or for alerts to the business.

20200364760, Nov 19, 2020

May 15, 2020

16/874939

- Purchase 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
Karan SHARMA - Jersey City NJ, US

MASTERCARD INTERNATIONAL INCORPORATED - Purchase NY

G06Q 30/04
G06Q 40/02
G06Q 10/10
G06Q 10/08
G06Q 20/40
G06Q 20/10
G06Q 30/06
G06F 16/25

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.