Brian C Lock

US Patent:

7756786, Jul 13, 2010

Filed:

Mar 29, 2001

Appl. No.:

09/821263

Inventors:

Robert G. Trende - St. Charles MO, US
Paul J. Mila - Carle Place NY, US
Cathleen Conforti - Ocean NJ, US
Patrick J. Leathrum - Edwardsville IL, US
Brian D. Lock - Washington MO, US
Matthew T. Holton - St. Louis MO, US
Jeffrey M. Stark - Ballwin MO, US

Assignee:

MasterCard International Incorporated - Purchase NY

International Classification:

G06Q 40/00

US Classification:

705 40, 705 35

Abstract:

In a bill payment and presentation system, a method for electronically routing billing information over a communications network is provided, using an open financial exchange communication protocol. The method provides for a centrally located mainframe system and a switching system for coordinating the routing of messages between customer service providers and biller service providers. In particular, the method collects at the CSPs and at the BSPs mainframe application files comprising the messages, forwards these files in batch mode to the mainframe system and converts with a switching system these mainframe files into web-enabled addresses, allowing for the effective transmission of financial billing information in flat-file and/or Internet-based form.

US Patent:

20110231311, Sep 22, 2011

Filed:

Jun 8, 2010

Appl. No.:

12/796140

Inventors:

Robert G. Trende - St. Charles MO, US
Paul J. Mila - Carle Place NY, US
Cathleen Conforti - Ocean NJ, US
Patrick J. Leathrum - Edwardsville IL, US
Brian D. Lock - Washington MO, US
Matthew T. Holton - St. Louis MO, US
Jeffrey M. Stark - Ballwin MO, US

Assignee:

MasterCard International Incorporated - Purchase NY

International Classification:

G06Q 40/00

US Classification:

705 40

Abstract:

In a bill payment and presentation system, a method for electronically routing billing information over a communications network is provided, using an open financial exchange communication protocol. The method provides for a centrally located mainframe system and a switching system for coordinating the routing of messages between customer service providers and biller service providers. In particular, the method collects at the CSPs and at the BSPs mainframe application files comprising the messages, forwards these files in batch mode to the mainframe system and converts with a switching system these mainframe files into web-enabled addresses, allowing for the effective transmission of financial billing information in flat-file and/or Internet-based form.

US Patent:

20110251953, Oct 13, 2011

Filed:

Jun 20, 2011

Appl. No.:

13/164753

Inventors:

ROBERT G. TRENDE - St. Charles MO, US
Paul J. Mila - Carle Place NY, US
Cathleen Conforti - Ocean NJ, US
Patrick J. Leathrum - Edwardsville IL, US
Brian D. Lock - Washington MO, US
Matthew T. Holton - St. Louis MO, US
Jeffrey M. Stark - Ballwin MO, US

Assignee:

MasterCard International Incorporated - Purchase NY

International Classification:

G06Q 40/00

US Classification:

705 40

Abstract:

In a bill payment and presentation system, a method for electronically routing billing information over a communications network is provided, using an open financial exchange communication protocol. The method provides for a centrally located mainframe system and a switching system for coordinating the routing of messages between customer service providers and biller service providers. In particular, the method collects at the CSPs and at the BSPs mainframe application files comprising the messages, forwards these files in batch mode to the mainframe system and converts with a switching system these mainframe files into web-enabled addresses, allowing for the effective transmission of financial billing information in flat-file and/or Internet-based form.