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1. 发明申请

US20070179885A1 METHOD AND SYSTEM FOR AUTHORIZING A FUNDS TRANSFER OR PAYMENT USING A PHONE NUMBER 审中-公开
标题翻译：使用电话号码授权资金转移或支付的方法和系统
公开(公告)号：US20070179885A1
公开(公告)日：2007-08-02
申请号：US11668665
申请日：2007-01-30
申请人： Terrence Patrick Bird , Biswajit Nayak , Siraj Berhan
发明人： Terrence Patrick Bird , Biswajit Nayak , Siraj Berhan
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/04 , G06Q20/10 , G06Q20/3223 , G06Q30/04 , G06Q30/06 , H04M3/4938 , H04M2203/105
摘要： A system and method for phone authorized transfers and/or payments are described. The system generates and authorizes instructions for funds transfers and payments between sender and recipient of participating institutions. The participating institutions of the sender and recipient of the funds transfer/payment may be the same or different, and may be located within the same or different countries. The system and method generates and authorizes funds transfer/payment instructions using the phone number of the recipient as identifying information and without providing banking particulars of the recipient. In some embodiments, the system implements an interactive voice response (IVR) application allowing a user to interact with the system using voice prompts responsive to the user's spoken response in the telephone receiver or the user input on the keypad of the user's touch-tone wired or wireless telephone. In some embodiments, the phone number of either or both of the sender and recipient may be shared among multiple users.
摘要翻译：描述用于电话授权转账和/或付款的系统和方法。系统生成并授权参与机构的发送者和收件人之间的资金转帐和付款指示。资金转移/付款的发送方和接收方的参与机构可以相同或不同，并且可以位于相同或不同的国家内。该系统和方法使用收件人的电话号码生成并授权资金转账/付款指示，作为识别信息，不提供接收方的银行详细信息。在一些实施例中，该系统实现交互式语音响应（IVR）应用，允许用户使用响应于用户在电话接收机中的用户口语响应的语音提示与用户的触摸音有线的用户输入上的用户输入与系统交互或无线电话。在一些实施例中，发送者和接收者中的一个或两者的电话号码可以在多个用户之间共享。

2. 发明授权

US10127558B2 Expense tracking, electronic ordering, invoice presentment, and payment system and method 有权
公开(公告)号：US10127558B2
公开(公告)日：2018-11-13
申请号：US12723371
申请日：2010-03-12
申请人： Russell G. Bulman , Suresh Kumar , Sanket Karjagi , Ritwik Bose , Rajesh Kumar , Biswajit Nayak , Vikram Kamath , Bhavana Sumathi
发明人： Russell G. Bulman , Suresh Kumar , Sanket Karjagi , Ritwik Bose , Rajesh Kumar , Biswajit Nayak , Vikram Kamath , Bhavana Sumathi
IPC分类号： G06Q30/00 , G06Q40/00
摘要： Systems and methods for automating an invoice approval process are described herein. Rules are created which are evaluated against a set of attributes. A rules engine is automatically invoked upon receipt of a document in an electronic invoice presentment and payment system. The rules engine determines which rules are applicable to documents received and processed in the system, and applies those applicable rules in a pre-defined sequence.

3. 发明申请

US20110010278A1 EXPENSE TRACKING, ELECTRONIC ORDERING, INVOICE PRESENTMENT, AND PAYMENT SYSTEM AND METHOD 审中-公开
标题翻译：支出跟踪，电子订单，发票显示和付款系统和方法
公开(公告)号：US20110010278A1
公开(公告)日：2011-01-13
申请号：US12723371
申请日：2010-03-12
申请人： Russell G. Bulman , Suresh Kumar , Sanket Karjagi , Ritwik Bose , Rajesh Kumar , Biswajit Nayak , Vikram Kamath , Bhavana Sumathi
发明人： Russell G. Bulman , Suresh Kumar , Sanket Karjagi , Ritwik Bose , Rajesh Kumar , Biswajit Nayak , Vikram Kamath , Bhavana Sumathi
IPC分类号： G06Q30/00
CPC分类号： G06Q30/00 , G06Q40/12
摘要： Systems and methods for automating an invoice approval process are described herein. Rules are created which are evaluated against a set of attributes. A rules engine is automatically invoked upon receipt of a document in an electronic invoice presentment and payment system. The rules engine determines which rules are applicable to documents received and processed in the system, and applies those applicable rules in a pre-defined sequence.
摘要翻译：这里描述用于自动化发票批准过程的系统和方法。创建根据一组属性进行评估的规则。收到电子发票和支付系统上的文件后，会自动调用规则引擎。规则引擎确定哪些规则适用于在系统中接收和处理的文档，并将这些适用规则应用于预定义的序列中。

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