Patents by Inventor Matthew James Mullen
Matthew James Mullen 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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Patent number: 8751347Abstract: 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.Type: GrantFiled: January 9, 2013Date of Patent: June 10, 2014Assignee: Visa U.S.A. Inc.Inventors: Matthew James Mullen, John Nicholas Marchetti
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Patent number: 8666865Abstract: 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.Type: GrantFiled: September 26, 2012Date of Patent: March 4, 2014Assignee: Visa U.S.A. Inc.Inventors: Matthew James Mullen, John Nicholas Marchetti
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Patent number: 8615457Abstract: 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.Type: GrantFiled: October 16, 2012Date of Patent: December 24, 2013Assignee: Visa U.S.A. Inc.Inventors: Matthew James Mullen, John Nicholas Marchetti
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Patent number: 8560417Abstract: 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.Type: GrantFiled: September 26, 2012Date of Patent: October 15, 2013Assignee: Visa U.S.A. Inc.Inventors: Matthew James Mullen, John Nicholas Marchetti
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Publication number: 20130212010Abstract: 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.Type: ApplicationFiled: January 9, 2013Publication date: August 15, 2013Inventors: Matthew James Mullen, John Nicholas Marchetti
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Publication number: 20130151384Abstract: 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.Type: ApplicationFiled: October 16, 2012Publication date: June 13, 2013Inventors: Matthew James Mullen, John Nicholas Marchetti
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Publication number: 20130138557Abstract: 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.Type: ApplicationFiled: September 26, 2012Publication date: May 30, 2013Inventors: Matthew James Mullen, John Nicholas Marchetti
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Publication number: 20130117178Abstract: 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.Type: ApplicationFiled: September 26, 2012Publication date: May 9, 2013Inventors: Matthew James Mullen, John Nicholas Marchetti
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Patent number: 8407141Abstract: Financial transaction data comprising payment on any one of multiple financial transaction types are processed with an adapter layer that receives an incoming data message relating to a financial transaction initiated by a payer and operates on the incoming data message to produce adapted data relating to the financial transaction, and a processor that receives the adapted data and determines transaction routing to direct the adapted data to a processing network module that requests authorization by an issuer, responds to authorization by initiating request for settlement and payment on the financial transaction to a transaction payee, and responds to payee query requests by providing non-payment data to an external payee.Type: GrantFiled: October 30, 2007Date of Patent: March 26, 2013Assignee: Visa U.S.A. Inc.Inventors: Matthew James Mullen, Mark Rockelman
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Patent number: 8082209Abstract: An analysis system processes financial transactions data for compliance with a payment program, such that the processing involves receiving data relating to a set of financial transactions that have been authorized by a payment processing system, and determining if one or more of the authorized financial transactions will be subjected to further processing, wherein the further processing operates on the received data and identifies authorized financial transactions that may be out of compliance with transaction rules of the payment program.Type: GrantFiled: July 14, 2010Date of Patent: December 20, 2011Assignee: Visa U.S.A. Inc.Inventors: Matthew James Mullen, Scott David Spivack
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Publication number: 20100318464Abstract: An analysis system processes financial transactions data for compliance with a payment program, such that the processing involves receiving data relating to a set of financial transactions that have been authorized by a payment processing system, and determining if one or more of the authorized financial transactions will be subjected to further processing, wherein the further processing operates on the received data and identifies authorized financial transactions that may be out of compliance with transaction rules of the payment program.Type: ApplicationFiled: July 14, 2010Publication date: December 16, 2010Inventors: Matthew James Mullen, Scott David Spivack
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Patent number: 7783564Abstract: An analysis system processes financial transactions data for compliance with a payment program, such that the processing involves receiving data relating to a set of financial transactions that have been authorized by a payment processing system, and determining if one or more of the authorized financial transactions will be subjected to further processing, wherein the further processing operates on the received data and identifies authorized financial transactions that may be out of compliance with transaction rules of the payment program.Type: GrantFiled: March 23, 2007Date of Patent: August 24, 2010Assignee: Visa U.S.A. Inc.Inventors: Matthew James Mullen, Scott David Spivack
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Publication number: 20090112747Abstract: Financial transaction data comprising payment on any one of multiple financial transaction types are processed with an adapter layer that receives an incoming data message relating to a financial transaction initiated by a payer and operates on the incoming data message to produce adapted data relating to the financial transaction, and a processor that receives the adapted data and determines transaction routing to direct the adapted data to a processing network module that requests authorization by an issuer, responds to authorization by initiating request for settlement and payment on the financial transaction to a transaction payee, and responds to payee query requests by providing non-payment data to an external payee.Type: ApplicationFiled: October 30, 2007Publication date: April 30, 2009Applicant: VISA U.S.A. Inc.Inventors: Matthew James Mullen, Mark Rockelman
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Publication number: 20080027860Abstract: An analysis system processes financial transactions data for compliance with a payment program, such that the processing involves receiving data relating to a set of financial transactions that have been authorized by a payment processing system, and determining if one or more of the authorized financial transactions will be subjected to further processing, wherein the further processing operates on the received data and identifies authorized financial transactions that may be out of compliance with transaction rules of the payment program.Type: ApplicationFiled: March 23, 2007Publication date: January 31, 2008Inventors: Matthew James Mullen, Scott David Spivack