# US 12,112,359 B2 · Method and system for facilitating invoice data, payment credit transfers, real-time package tracking, and account-to-account payment on delivery

> Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt

- Number: US 12,112,359 B2
- Document ID: US12112359B2
- Status: Granted
- Kind: B2
- Application number: 18/144,299
- Filed: 2023-05-08
- Published: 2023-08-31
- Granted: 2024-10-08
- Earliest claimed: 2019-05-15
- Assignees: Mastercard International Incorporated
- Applicants: Mastercard International Incorporated
- Inventors: Viviane Sabat; Andrea Christine Gilman; Jennifer Wang; Abhinav Bhatt; Chhomthyda Chhuan; Daniel Bae; Alonso Araujo; James Nicholas Mortimer; Monica Taylor; Eitan Ahimor; Christopher Murray; Mark N. Savoye; Robert Pacifico; Ashfaq Kamal; Karan Sharma
- Web page: https://patentgrep.com/patent/US12112359B2

## CPC

- G06Q 30/04: Billing or invoicing
- G06F 16/258: {Data format conversion from or to a database}
- G06Q 10/0838: {Historical data}
- G06Q 10/0875: Itemisation or classification of parts, supplies or services, e.g. bill of materials
- G06Q 10/1093: Calendar-based scheduling for persons or groups
- G06Q 20/108: {Remote banking, e.g. home banking}
- G06Q 20/389: {Keeping log of transactions for guaranteeing non-repudiation of a transaction}
- G06Q 20/401: {Transaction verification}
- G06Q 20/4012: {Verifying personal identification numbers [PIN]}
- G06Q 20/40145: {Biometric identity checks}
- G06Q 30/0635: {replenishment orders; recurring orders}
- G06Q 40/03: Credit; Loans; Processing thereof
- G06F 3/0488: using a touch-screen or digitiser, e.g. input of commands through traced gestures
- G06F 3/04883: for inputting data by handwriting, e.g. gesture or text
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)

## Abstract

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.

## Claims

### Claim 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 computing device, the invoice for presentation to the recipient;
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;
receiving, by the receiving device of the processing server, a payment confirmation for the invoice based on a real-time payment from the financial institution;
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 at least a computing device of the recipient.

### Claim 2 (depends on 1)

The method of claim 1, wherein the invoice data is further associated with a schedule of deliveries of a distributor, and wherein the recipient is one of a plurality of scheduled deliveries.

### Claim 3 (depends on 1)

The method of claim 1, wherein the modification to the invoice is based on increasing a number of goods for delivery to the recipient.

### Claim 4 (depends on 1)

The method of claim 1, wherein the invoice data comprises a picture or video of goods being delivered to the recipient.

### Claim 5 (depends on 1)

The method of claim 1, wherein the invoice data comprises a recipient authentication code for recipient payment authentication, wherein the RFP message comprises the recipient authentication code.

### Claim 6 (depends on 1)

The method of claim 1, wherein the modification of the invoice includes moving a first icon displayed on the interface of the delivery computing device to substantially align with a second icon displayed on the interface, wherein the first and second icons have the same shape; and wherein the first icon includes an indication of a total amount to pay for delivery of goods and an instruction to align the two icons to accept the total amount to pay as correct and initiating payment.

### Claim 7 (depends on 1)

The method of claim 1, wherein the RFP message comprises an account number of the recipient for the financial institution associated with the recipient from which to obtain the real-time payment, and wherein the RFP message comprises an account number of a distributor for the financial institution associated with the distributor to credit the real-time payment.

### Claim 8

A system for real-time invoice updating and account-to-account payment, comprising:
a delivery computing device; and
a processing server,
wherein the delivery computing device is configured to
download a payment on delivery (POD) software application from the processing server and install the POD software application thereon,
present, 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,
modify, using the POD software, the invoice of the recipient in response to the recipient interacting with the interface,
dynamically update the invoice for presentation to the recipient;
wherein the processing server includes a receiving device, a transmitting device, and a processing device,
wherein the receiving device of the processing server is configured to receive:
invoice data, from the delivery computing device, and
a payment confirmation for the invoice based on a real-time payment from a financial institution associated with the recipient;
wherein the processing device of the processing server is configured to
translate the received invoice data received from an enterprise resource planning (ERP) format to an ISO 20222 format;
generate a request for payment (RFP) message based on the translated invoice data; and
generate reconciliation data based on the payment confirmation and the invoice data;
wherein the transmitting device of the processing server is configured to transmit:
the RFP message to the financial institution associated with the recipient; and
the reconciliation data to at least a computing device of the recipient.

### Claim 9 (depends on 8)

The system of claim 8, wherein the invoice data is further associated with a schedule of deliveries of the distributor, and wherein the recipient is one of a plurality of scheduled deliveries.

### Claim 10 (depends on 8)

The system of claim 8, wherein the modification to the invoice is based on increasing a number of goods for delivery to the recipient.

### Claim 11 (depends on 8)

The system of claim 8, wherein the invoice data comprises a picture or video of goods being delivered to the recipient.

### Claim 12 (depends on 8)

The system of claim 8, wherein the invoice data comprises a recipient authentication code for recipient payment authentication, wherein the RFP message comprises the recipient authentication code.

### Claim 13 (depends on 8)

The system of claim 8, wherein the modification of the invoice data includes moving a first icon displayed on the interface of the delivery computing device to substantially align with a second icon displayed in the interface, wherein the first and second icons have the same shape; and wherein the first icon includes an indication of a total amount to pay for delivery of goods and an instruction to align the two icons.

### Claim 14 (depends on 13)

The system of claim 13, wherein the RFP message comprises an account number of the recipient for the financial institution associated with the recipient from which to obtain the real-time payment, and wherein the RFP message comprises an account number of a distributor for the financial institution associated with the distributor to credit the real-time payment.