System and method for real-time integrated credit card management

US10991016B2 · kind B2 · utility

Assignee

• Blackbaud, Inc. · US

Inventors

• Deborah Nelson · Charleston, US
• David Vroblesky · Fairfax, US
• Nicole Guernsey · Charleston, US
• Julia Petit · Bobigny, FR
• David Epner · Charleston, US
• Stephen S. Boyle · Lincoln, US
• Beth Kesser · Charleston, US
• Gautam Chawla · Charleston, US
• Rakesh Garg · Lafayette, US
• Thomas Walker · St. Petersburg, US

Key dates

• Filing date: Feb 8, 2019
• Grant date: Apr 27, 2021
• Expiry date: Jun 18, 2039

Classification

• Technology area (CPC G): Physics
• CPC primary: G06F3/04847
• WIPO field: Computer technology
• WIPO sector: Electrical engineering

Abstract

A method and system for managing a plurality of credit card transactions within an integrated accounting environment. Embodiments of the present disclosure enable integration between financial institutions, organizational accounting systems, and disparate user workflows to overcome deficiencies of the prior art. Specific embodiments enable tracking of credit card charges, credits, and payments directly within an accounts payable interface, enabling the ability to view activity on the credit card account record, register, and vendor record. Methods and systems are operable to establish a real-time data transfer protocol between a financial institution and an organizational accounting application to integrate transaction data in real-time, define vendor association for transactions, and create a real-time credit card register to drive decision making across disparate user roles.