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1. 发明申请

US20110004552A1 METHOD AND SYSTEM FOR CONDUCTING A COMMERCIAL TRANSACTION BETWEEN A BUYER AND A SELLER 审中-公开
公开(公告)号：US20110004552A1
公开(公告)日：2011-01-06
申请号：US12882677
申请日：2010-09-15
申请人： Jonathan Vaux , Brian Triplett , Michael Dreyer , Loraine Martin Yeakle , Alistair Duncan , Paulo Fernandes
发明人： Jonathan Vaux , Brian Triplett , Michael Dreyer , Loraine Martin Yeakle , Alistair Duncan , Paulo Fernandes
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/24 , G06Q20/40 , G06Q30/04 , G06Q40/025
摘要： A system for conducting a commercial transaction between a buyer and a seller is disclosed. The system includes a transaction processing system for facilitating payment for a transaction between the buyer and the seller. In addition to the buyer and the seller, the transaction processing system also interacts with an issuer and an acquirer. The issuer issues and manages an account for the buyer. The acquirer manages an account for the seller. The transaction processing system operates as follows. An electronic invoice relating to the transaction is first posted to the system by the seller or another system. Upon accepting the electronic invoice, the system creates a payment instruction. Each time a payment instruction is created, the system applies certain pre-negotiated payment terms and conditions between the buyer and the seller to the payment instruction. After the payment instruction is created, the system seeks approval from the buyer. Upon approval of the payment instruction by the buyer, the system schedules the payment for the specified date in the payment instruction. On the scheduled day of payment, the system calculates one or more fees, such as a transaction fee, for the transaction according to a pre-defined variable pricing matrix, which is determined based on a set of pre-negotiated conditions agreed to by the issuer, the acquirer, the seller and the buyer. For example, the transaction fee is an amount used by the issuer and the acquirer to compensate each other for processing the payment on behalf of the buyer and the seller. After the transaction fee is calculated, information relating to the transaction fee and the payment instruction is formatted into a proper message format(s) and submitted for authorization, clearing and settlement. The issuer and the acquirer then communicate with one another directly or indirectly to settle the funds. Additionally, the system provides transaction and activity reports to all relevant parties as well as access to status information for invoices and payments.

2. 发明申请

US20110004548A1 METHOD AND SYSTEM FOR CONDUCTING A COMMERCIAL TRANSACTION BETWEEN A BUYER AND A SELLER 审中-公开
公开(公告)号：US20110004548A1
公开(公告)日：2011-01-06
申请号：US12881831
申请日：2010-09-14
申请人： Jonathan Vaux , Brian Triplett , Michael Deyer , Loraine Martin Yeakle , Alistair Duncan , Paulo Fernandes
发明人： Jonathan Vaux , Brian Triplett , Michael Deyer , Loraine Martin Yeakle , Alistair Duncan , Paulo Fernandes
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/24 , G06Q20/40 , G06Q30/04 , G06Q40/025
摘要： A system for conducting a commercial transaction between a buyer and a seller is disclosed. The system includes a transaction processing system for facilitating payment for a transaction between the buyer and the seller. In addition to the buyer and the seller, the transaction processing system also interacts with an issuer and an acquirer. The issuer issues and manages an account for the buyer. The acquirer manages an account for the seller. The transaction processing system operates as follows. An electronic invoice relating to the transaction is first posted to the system by the seller or another system. Upon accepting the electronic invoice, the system creates a payment instruction. Each time a payment instruction is created, the system applies certain pre-negotiated payment terms and conditions between the buyer and the seller to the payment instruction. After the payment instruction is created, the system seeks approval from the buyer. Upon approval of the payment instruction by the buyer, the system schedules the payment for the specified date in the payment instruction. On the scheduled day of payment, the system calculates one or more fees, such as a transaction fee, for the transaction according to a pre-defined variable pricing matrix, which is determined based on a set of pre-negotiated conditions agreed to by the issuer, the acquirer, the seller and the buyer. For example, the transaction fee is an amount used by the issuer and the acquirer to compensate each other for processing the payment on behalf of the buyer and the seller. After the transaction fee is calculated, information relating to the transaction fee and the payment instruction is formatted into a proper message format(s) and submitted for authorization, clearing and settlement. The issuer and the acquirer then communicate with one another directly or indirectly to settle the funds. Additionally, the system provides transaction and activity reports to all relevant parties as well as access to status information for invoices and payments.

3. 发明授权

US07822679B1 Method and system for conducting a commercial transaction between a buyer and a seller 有权
标题翻译：在买方和卖方之间进行商业交易的方法和系统
公开(公告)号：US07822679B1
公开(公告)日：2010-10-26
申请号：US10020466
申请日：2001-10-29
申请人： Jonathan Vaux , Brian Triplett , Michael Dreyer , Loraine Martin Yeakle , Alistair Duncan , Paulo Fernandes
发明人： Jonathan Vaux , Brian Triplett , Michael Dreyer , Loraine Martin Yeakle , Alistair Duncan , Paulo Fernandes
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/24 , G06Q20/40 , G06Q30/04 , G06Q40/025
摘要： A system for conducting a commercial transaction between a buyer and a seller is disclosed. The system includes a transaction processing system for facilitating payment for a transaction between the buyer and the seller. In addition to the buyer and the seller, the transaction processing system also interacts with an issuer and an acquirer. An electronic invoice relating to the transaction is first posted to the system by the seller or another system. Upon accepting the electronic invoice, the system creates a payment instruction. Each time a payment instruction is created, the system applies certain pre-negotiated payment terms and conditions between the buyer and the seller to the payment instruction. After the payment instruction is created, the system seeks approval from the buyer. Upon approval of the payment instruction by the buyer, the system schedules the payment for the specified date in the payment instruction.
摘要翻译：公开了一种在买方和卖方之间进行商业交易的系统。该系统包括用于促进买方和卖方之间的交易的支付的交易处理系统。除了买方和卖方外，交易处理系统还与发行人和收单方互动。与交易相关的电子发票首先由卖方或其他系统发布到系统。收到电子发票后，系统会创建付款指示。每次创建支付指令时，系统将买方和卖方之间的一些预先协商的支付条款和条件应用于支付指令。付款指示创建后，系统将从买方获得批准。在批准买方的付款指示后，系统会在支付指示中安排指定日期的付款。

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