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1. (WO2010077674) AUTOMATED MERCHANT PERFORMANCE RATING FOR PAYMENTS ON ACCOUNT
Latest bibliographic data on file with the International Bureau

Pub. No.: WO/2010/077674 International Application No.: PCT/US2009/067185
Publication Date: 08.07.2010 International Filing Date: 08.12.2009
IPC:
G06Q 20/00 (2006.01) ,G06Q 40/00 (2006.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40
Finance; Insurance; Tax strategies; Processing of corporate or income taxes
Applicants:
VISA U.S.A INC. [US/US]; P.O Box 8999 San Francisco, CA 94128-8999, US (AllExceptUS)
KARDOKAS, Laima [US/US]; US (UsOnly)
Inventors:
KARDOKAS, Laima; US
Agent:
HANCHUK, Walter, G.; Chadbourne & Parke LLP 30 Rockefeller Plaza New York, NY 10112, US
Priority Data:
12/632,42307.12.2009US
61/120,79208.12.2008US
Title (EN) AUTOMATED MERCHANT PERFORMANCE RATING FOR PAYMENTS ON ACCOUNT
(FR) ÉVALUATION DE PERFORMANCES DE MARCHAND AUTOMATISÉE POUR PAIEMENTS SUR COMPTE
Abstract:
(EN) A business derives its cost to pay accounts payable (A/P) with a corporate card versus other payment methods, which derivation may be pre-populated by a general category. The business identifies each merchant to whom the business owes A/P who but does not accept the corporate card. A weighting factor is derived for each such merchant from costs of paying with and without the corporate card, as well as from its history of past payments to the merchant. The benefit to the business is derived, using the corresponding weighting factor, for each such merchant in paying the corresponding A/P to the merchant with the corporate card. Where the benefit exceeds a predetermined threshold, information is sent to each such merchant sufficient for the merchant to receive payment of the corresponding A/P with the corporate card.
(FR) Selon l'invention, une société calcule son coût pour payer des comptes fournisseurs (A/P) avec une carte de société par rapport à d'autres procédés de paiement, lequel calcul peut être pré-peuplé par une catégorie générale. La société identifie chaque marchand auquel la société doit A/P mais qui n'accepte pas la carte de société. Un facteur de pondération est calculé pour chaque marchand à partir des coûts de paiement avec et sans la carte de société, ainsi qu'à partir de son historique de paiements passés au marchand. Le bénéfice à la société est calculé, à l'aide du facteur de pondération correspondant, pour chaque tel marchand lors du paiement de l'A/P correspondant au marchand avec la carte de société. Lorsque le bénéfice dépasse un seuil prédéterminé, des informations sont envoyées à chaque tel marchand suffisantes pour que le marchand reçoive un paiement de l'A/P correspondant avec la carte de société.
front page image
Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IS, JP, KE, KG, KM, KN, KP, KR, KZ, LA, LC, LK, LR, LS, LT, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PE, PG, PH, PL, PT, RO, RS, RU, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LS, MW, MZ, NA, SD, SL, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Organization (AM, AZ, BY, KG, KZ, MD, RU, TJ, TM)
European Patent Office (AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)
Also published as:
CA2745886