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    • 2. 发明授权
    • System and method for electronic authorization of batch checks
    • 批量检查的电子授权系统和方法
    • US07519560B2
    • 2009-04-14
    • US10155800
    • 2002-05-24
    • Duc LamMatthew RolandXuan (Sunny) McRae
    • Duc LamMatthew RolandXuan (Sunny) McRae
    • G06Q99/00
    • G06Q20/02G06Q20/023G06Q20/04G06Q20/042G06Q20/14G06Q20/382G06Q20/3825G06Q20/3829
    • A method of effecting payment. A system for effecting payment. Instructions to send a set of financial instruments to a set of recipients are received at a first system from an agent. A digital signature of the agent is created using a private key associated with the agent is added to the instructions. The agent is associated with a first entity. The instructions are transmitted to a second system. The second system in the instructions are verified using a public key corresponding to a private key associated with the agent. A set of financial instructions is created electronically and digital signatures created using a second private key are added to the financial instruments. The financial instruments from among the set of financial instruments are sent to respective recipients according to the instruments. According to one embodiment of the invention, the financial instruments are encrypted using public keys of respective recipients. According to another embodiment of the invention, terms are presented to the system administrator indicating that the entity shall be responsible for transactions effected by the agent before authorization is provided to the agent to effect creation of the checks with the digital signatures using the private key of the entity.
    • 一种付款方式。 执行付款的系统。 在代理商的第一个系统上收到将一组金融工具发送给一组收件人的说明。 使用与代理相关联的私钥来创建代理的数字签名被添加到指令中。 代理与第一个实体相关联。 指令被传送到第二个系统。 使用与代理相关联的私钥对应的公钥来验证指令中的第二系统。 一组财务指示是以电子方式创建的,并且使用第二个私钥创建的数字签名被添加到金融工具中。 这些金融工具之间的金融工具根据工具被发送给各自的收款人。 根据本发明的一个实施例,使用相应接收者的公钥对金融工具进行加密。 根据本发明的另一实施例,将术语呈现给系统管理员,指示在向代理提供授权之前,实体对由代理进行的交易负责,以使用数字签名创建支票,使用私钥 实体。
    • 4. 发明授权
    • Methods and systems for discounts management
    • 折扣管理方法和系统
    • US08554673B2
    • 2013-10-08
    • US11002334
    • 2004-12-01
    • Xuan McRaeDuc LamMatthew Roland
    • Xuan McRaeDuc LamMatthew Roland
    • G06Q40/00
    • G06Q40/00G06Q20/102G06Q30/02
    • An embodiment of the invention is directed to a computer implemented business method in an electronic system in which payment information is exchanged between a buyer and a seller. Approval is received from the buyer of an electronic invoice received by the buyer. At a time when no agreed upon discount is available based on the invoice or pre-agreed terms between the buyer and the seller, a request is received from the buyer to offer the seller early payment in exchange for a discount of the amount owed. The discount is based on an annual hurdle rate provided to the system by the buyer. The offer is presented to the seller on the seller's user interface, and a clickable button is provided for the seller to indicate selection of such offer. In another embodiment of the invention, in an electronic system in which payment information is exchanged between buyers and at least a seller, an identification of a date upon which a seller would like to receive early payment is received through a computer input associated with the seller. Another embodiment of the invention is directed to a relationship between a buyer and a seller where there is a standard discount term, and there is also a discount term in a respective invoice. Another embodiment of the invention is directed to a method related to enrollment of a new seller in the system.
    • 本发明的实施例涉及一种电子系统中的计算机实现的业务方法,其中在买方和卖方之间交换支付信息。 收到买方收到的电子发票的批准。 在根据买方和卖方之间的发票或预先约定条款没有商定的折扣的时候,收到买方要求提供卖方提前付款以换取欠款的折扣。 折扣是根据买方向系统提供的年度障碍。 卖方在卖方的用户界面上向卖方提供优惠,并为卖方提供可点击的按钮,以指示此类优惠的选择。 在本发明的另一个实施例中,在购买者和至少卖方之间交换支付信息的电子系统中,通过与卖方相关联的计算机输入来接收卖家希望接收提早付款的日期的标识 。 本发明的另一个实施例涉及买方和卖方之间的关系,其中存在标准折扣条款,并且在相应的发票中还有折扣条款。 本发明的另一个实施例涉及一种与系统中新卖家的注册有关的方法。
    • 6. 发明申请
    • Methods and systems for discounts management
    • 折扣管理方法和系统
    • US20050283437A1
    • 2005-12-22
    • US11002334
    • 2004-12-01
    • Xuan McRaeDuc LamMatthew Roland
    • Xuan McRaeDuc LamMatthew Roland
    • G06Q30/00G06F17/60
    • G06Q40/00G06Q20/102G06Q30/02
    • An embodiment of the invention is directed to a computer implemented business method in an electronic system in which payment information is exchanged between a buyer and a seller. Approval is received from the buyer of an electronic invoice received by the buyer. At a time when no agreed upon discount is available based on the invoice or pre-agreed terms between the buyer and the seller, a request is received from the buyer to offer the seller early payment in exchange for a discount of the amount owed. The discount is based on an annual hurdle rate provided to the system by the buyer. The offer is presented to the seller on the seller's user interface, and a clickable button is provided for the seller to indicate selection of such offer. In another embodiment of the invention, in an electronic system in which payment information is exchanged between buyers and at least a seller, an identification of a date upon which a seller would like to receive early payment is received through a computer input associated with the seller. Another embodiment of the invention is directed to a relationship between a buyer and a seller where there is a standard discount term, and there is also a discount term in a respective invoice. Another embodiment of the invention is directed to a method related to enrollment of a new seller in the system.
    • 本发明的实施例涉及一种电子系统中的计算机实现的业务方法,其中在买方和卖方之间交换支付信息。 收到买方收到的电子发票的批准。 在根据买方和卖方之间的发票或预先约定条款没有商定的折扣的时候,收到买方要求提供卖方提前付款以换取欠款的折扣。 折扣是根据买方向系统提供的年度障碍。 卖方在卖方的用户界面上向卖方提供优惠,并为卖方提供可点击的按钮,以指示此类优惠的选择。 在本发明的另一个实施例中,在购买者和至少卖方之间交换支付信息的电子系统中,通过与卖方相关联的计算机输入来接收卖家希望接收提早付款的日期的标识 。 本发明的另一个实施例涉及买方和卖方之间的关系,其中存在标准折扣条款,并且在相应的发票中还有折扣条款。 本发明的另一个实施例涉及一种与系统中新卖家的注册有关的方法。