Patents by Inventor Alonso Araujo
Alonso Araujo has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20240144210Abstract: A method for optimizing invoice payments according to supplier and buyer controls includes: receiving one or more received data message including invoice data, a buyer identification value, a supplier identification value, and a plurality of buyer optimization priorities, wherein the invoice data is associated with an invoice and includes an invoice amount and due date; identifying a plurality of supplier controls associated with the supplier identification value; identifying one or more buyer preferences associated with the buyer identification value; determining an optimal payment schedule for one or more payment transactions for the invoice based on the invoice data, the buyer optimization priorities, the plurality of supplier controls, and the one or more buyer preferences; transmitting a transmitted data message including the determined optimal payment schedule.Type: ApplicationFiled: October 26, 2022Publication date: May 2, 2024Inventors: Srinivasan CHANDRASEKHARAN, Ganesh Nagendra PRASAD, Ross HARRIS, Alonso ARAUJO, Anubha PANDEY, Deepak BHATT, Aman GUPTA, Tanmoy BHOWMIK
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Patent number: 11775961Abstract: Ordering and purchasing processes are integrated into a messaging session between a user device and a merchant server. Within the messaging session, a dialogue is established between the user device and the merchant server. The merchant server obtains user information in order to communicate with a service provider to establish a transaction with an account associated with the user device. The merchant server obtains order information from the user device by interpretation of the dialogue, and creates an order. The user requests payment, and receives a payment link from the merchant server in order to make a transaction. The user provides payment information including identification of the account associated with the user device for the transaction to the merchant server. Once these actions have taken place, the merchant server uses the order information and the payment information to enable the transaction to be performed using the account.Type: GrantFiled: December 3, 2018Date of Patent: October 3, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Derek Humphreys, Alonso Araujo
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Publication number: 20230274325Abstract: 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.Type: ApplicationFiled: May 8, 2023Publication date: August 31, 2023Inventors: 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
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Patent number: 11687986Abstract: 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.Type: GrantFiled: May 15, 2020Date of Patent: June 27, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: 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
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Publication number: 20230031095Abstract: A method for facilitating advances in supply chain financing through a centralized platform includes: receiving a commitment message from a first entity system, wherein the commitment message includes at least a first transaction amount and a first payment date; receiving a financing offer from a second entity system, wherein the financing offer includes at least a second transaction amount less than the first transaction amount and a second payment date earlier than the first payment date; determining acceptance of the financing offer based on one or more predetermined criteria; transmitting the acceptance of the financing offer to the second entity system; and transmitting account data for a transaction account associated with the second entity system to the first entity system.Type: ApplicationFiled: July 29, 2021Publication date: February 2, 2023Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Chris URBAN, Kelly SEPIN, David TRECKER, Alonso ARAUJO, Murali Mohan VASUDEVA, Jasmine HOSEIN
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Publication number: 20210110144Abstract: A method for facilitating customer service interactions through gesture recognition includes: capturing, by an optical imaging device, video data of a physical area, the physical area including one or more individuals; detecting a physical gesture performed by an individual of the one or more individuals based on movement of the individual across multiple frames of the captured video data; identifying a geographic location of the individual in the physical area using at least the captured video data; matching the detected physical gesture to one of a plurality of predetermined gestures; and transmitting a notification message to a computing device including at least the geographic location and the matched one of the plurality of predetermined gestures.Type: ApplicationFiled: October 11, 2019Publication date: April 15, 2021Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Saravana Perumal SHANMUGAM, Ted P. SANDERS, JR., Benard Mukangu MUNYIRI, Alonso ARAUJO, Daniel VEGERA
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Publication number: 20200364760Abstract: 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.Type: ApplicationFiled: May 15, 2020Publication date: November 19, 2020Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: 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
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Publication number: 20190188692Abstract: Ordering and purchasing processes are integrated into a messaging session between a user device and a merchant server. Within the messaging session, a dialogue is established between the user device and the merchant server. The merchant server obtains user information in order to communicate with a service provider to establish a transaction with an account associated with the user device. The merchant server obtains order information from the user device by interpretation of the dialogue, and creates an order. The user requests payment, and receives a payment link from the merchant server in order to make a transaction. The user provides payment information including identification of the account associated with the user device for the transaction to the merchant server. Once these actions have taken place, the merchant server uses the order information and the payment information to enable the transaction to be performed using the account.Type: ApplicationFiled: December 3, 2018Publication date: June 20, 2019Inventors: Derek Humphreys, Alonso Araujo
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Publication number: 20180253706Abstract: A method for ordering and customization via a conversational interface includes: storing item data entries, each item data entry including data related to a purchasable item including an item identifier, natural language values, and an item cost; receiving natural language messages from a computing device; receiving payment credentials; parsing the natural language messages to identify at least one specific natural language value; identifying, for each specific natural language value, a specific item data entry that includes the respective specific natural language value; calculating a transaction cost based on the item cost included in each specific item data entry; transmitting the calculated transaction cost and the payment credentials for processing of a payment transaction; receiving a response associated with the payment transaction indicating successful thereof; and transmitting the item identifier included in each of the specific item data entries to a computing system.Type: ApplicationFiled: March 1, 2018Publication date: September 6, 2018Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Matthew James Miller, Jeehoon Joshua Cho, Alonso Araujo
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Publication number: 20180108358Abstract: A computer-implemented method of vocally categorising a user includes receiving, by a sound data input, a vocalisation by the user and determining, by a processor coupled to the data input, a plurality of individual confidence scores by comparing the received vocalisation to vocalisations of a plurality of respective individuals stored in a memory to which the processor is communicatively coupled. Each of the individual confidence scores represents a probability that the user is a respective one of the plurality of individuals, and each of the stored vocalisations is stored in association with a corresponding category selected from a plurality of categories. The method further comprises determining, by the processor, from the plurality of individual confidence scores and respective associated categories, a plurality of category confidence scores, where each category confidence score represents a probability that the user belongs to a respective one of the plurality of categories.Type: ApplicationFiled: September 29, 2017Publication date: April 19, 2018Inventors: Derek Humphreys, Alonso Araujo