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    • 5. 发明授权
    • Method and system for preparing a transfer document
    • 准备转让文件的方法和系统
    • US08538868B2
    • 2013-09-17
    • US13295747
    • 2011-11-14
    • Serge RivestMichael KingRichard Clark
    • Serge RivestMichael KingRichard Clark
    • G06Q40/00
    • G06Q40/06G06Q20/10G06Q20/102G06Q30/08G06Q40/00G06Q40/02G06Q40/025
    • A system and method of preparing a transfer document for a client to transfer services provided by counterparties that require recurring transactions using a first account to use a second account is provided. A cashflow analysis for the first account and a cashflow analysis for the second account are performed to determine for each counterparty and each service the desired date to effect the transfer to avoid undesirable cashflow spikes or interruptions in both accounts. A transfer document for transferring services requiring recurring transactions for each counterparty is electronically generated via at least one computer. Each transfer document identifies at least the service to be transferred, the client, the second account, the desired date for the transfer and proof of authorization from the client. A replica of an account document selected according to the service being transferred and the second account is included on the transfer document.
    • 提供了一种用于为客户端传送转让文件的系统和方法,用于传送由交易对手方提供的服务,该交易对手方需要使用第一个帐户使用第二个帐户的定期交易。 执行第一个帐户的现金流量分析和第二个账户的现金流量分析,以确定每个交易对手和每个服务是实现转账的期望日期,以避免两个帐户中不必要的现金流尖峰或中断。 通过至少一台计算机电子地生成用于转移需要每个交易对手的经常性交易的服务的转让文件。 每个转让文件至少识别要传输的服务,客户端,第二个帐户,转移的期望日期和客户端的授权证明。 根据正在转让的服务选择的帐户文件的副本和第二个帐户被包括在转让文件中。