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    • 3. 发明申请
    • Methods and apparatus for managing cash flow
    • 管理现金流量的方法和手段
    • US20060247987A1
    • 2006-11-02
    • US11117027
    • 2005-04-28
    • Anthony BuschDaniel Schroeder
    • Anthony BuschDaniel Schroeder
    • G07F19/00G07B17/00
    • G06Q40/02G06Q40/12
    • A method and product for budgeting and/or managing cash flow includes entry of company information, assumptions, debt schedule, borrower's certificate and monthly data into a software program. The assumptions include cash on hand, cash receipts and cash paid out, among others. The information entered into the software is manipulated and stored in monthly ledgers for further display. Also provided is a calculation, based on actual part year figures for receipts, of remaining monthly adjustments needed to achieve predetermined budget figures. The product further provides a debt consolidation calculator for calculating the savings from the consolidation of at least two existing loans, and for calculating the possible savings based on at least two different weighted averages, the weighted average of the interest rates of the loans, and the weighted average of the interest rates considered together with the weighted average of the term of each of the loans.
    • 用于预算和/或管理现金流量的方法和产品包括将公司信息,假设,债务计划,借款人证书和每月数据输入软件程序。 假设包括手头现金,现金收入和支付的现金等。 输入软件的信息被操纵并存储在每个分类帐中以供进一步显示。 还提供了根据实际的部分年度收入数字计算实现预定预算数字所需的剩余月度调整数。 该产品还提供了一个债务合并计算器,用于计算合并至少两个现有贷款的节余,以及根据至少两个不同的加权平均值,贷款利率的加权平均值以及 考虑的利率加权平均加上每个贷款期限的加权平均数。