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1. 发明授权

US08266028B2 Expense tracking, electronic ordering, invoice presentment, and payment system and method 有权
标题翻译：费用跟踪，电子订单，发票陈述和支付系统和方法
公开(公告)号：US08266028B2
公开(公告)日：2012-09-11
申请号：US12404958
申请日：2009-03-16
申请人： Russell G. Bulman , Sandra R. Blum
发明人： Russell G. Bulman , Sandra R. Blum
IPC分类号： G06Q40/00
CPC分类号： G06Q20/102 , G06Q20/14 , G06Q30/04 , G06Q30/06 , G06Q30/0601 , G06Q30/0633
摘要： Systems and methods are described for electronic invoice presentment and payment processing. Requestors may place an order to purchase goods or services from one or more vendors. Invoice processing includes approval routing and dispute resolution.
摘要翻译：描述了电子发票和支付处理的系统和方法。请求者可以下单从一个或多个供应商处购买商品或服务。发票处理包括审批路由和争议解决。

2. 发明授权

US09225835B2 Call center services system and method 有权
标题翻译：呼叫中心服务系统和方法
公开(公告)号：US09225835B2
公开(公告)日：2015-12-29
申请号：US14257418
申请日：2014-04-21
申请人： Altisource Solutions S.à r.l.
发明人： Dale Pickford
IPC分类号： H04M3/00 , H04M3/523 , H04M3/42 , H04M3/51
CPC分类号： H04M3/5233 , H04M3/42059 , H04M3/42068 , H04M3/5158 , H04M3/5175 , H04M3/5183 , H04M3/5235 , H04M3/5237 , H04M3/5238 , H04M2203/551
摘要： A method and system for providing automated call center services, operating by identifying a caller, accessing the caller's account information, determining the likely reason for the call, identifying an agent skill group based on the likely reason for the call, and providing an available agent with access to the caller's account information, together with a script based on the likely reason for the call. Data and voice access to agents is combined with specialized methods and systems for determining agent optimization capabilities, thereby allowing multiple call centers located in geographically different areas to operate as a seamless virtual call center, having the capability to dynamically reorganize the structure of available agents, regardless of where located. Real time statistics allow determination of how many agents should be available and what skill set those agents should have, thereby facilitating management decisions.
摘要翻译：一种用于提供自动呼叫中心服务的方法和系统，通过识别呼叫者，访问呼叫者的帐户信息，确定呼叫的可能原因，基于呼叫的可能原因识别代理技能组，以及提供可用代理可以根据呼叫的可能原因访问呼叫者的帐户信息以及脚本。将代理的数据和语音访问与用于确定代理优化能力的专门的方法和系统相结合，从而允许位于地理上不同的区域中的多个呼叫中心作为无缝虚拟呼叫中心运行，具有动态重组可用代理的结构的能力，不管位于哪里。实时统计数据可以确定应该有多少代理可用，以及这些代理人应具备哪些技能，从而有助于管理决策。

3. 发明申请

US20130006846A1 METHOD AND SYSTEM FOR MORTGAGE EXCHANGE 审中-公开
标题翻译：手段交换的方法和系统
公开(公告)号：US20130006846A1
公开(公告)日：2013-01-03
申请号：US13611299
申请日：2012-09-12
申请人： William C. Erbey , Christopher Kennedy , Bryan Hurley , Andrew Combs
发明人： William C. Erbey , Christopher Kennedy , Bryan Hurley , Andrew Combs
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02 , G06Q40/025
摘要： A method and system for electronically facilitating real estate transactions by providing accurate representations of the loans a borrower is qualified to receive, which are based on actual data, rather than estimates. All actions required for completing the real estate transaction, from entry of the borrower information to the closing and funding of the loan, are seamlessly integrated. An automated underwriting engine is provided for generating a decision matrix based on user input and/or existing data. An appropriate loan is selected based on the decision matrix, and is communicated to a potential borrower. After a loan is selected, fulfillment processing is performed, and the loan is funded and closed.
摘要翻译：通过提供借款人有资格接受的贷款的准确表示，这种方法和系统以电子方式促进房地产交易，这些贷款是根据实际数据而不是估计。完成房地产交易所需的所有行动，从借款人信息入门到贷款的结算和融资，均无缝整合。提供自动承保引擎，用于基于用户输入和/或现有数据生成决策矩阵。根据决策矩阵选择适当的贷款，并将其传达给潜在的借款人。选定贷款后，进行履行处理，贷款得到资助和关闭。

4. 发明授权

US08266013B2 Methods and systems for vendor assurance 有权
标题翻译：供应商保证的方法和系统
公开(公告)号：US08266013B2
公开(公告)日：2012-09-11
申请号：US12335196
申请日：2008-12-15
申请人： Christopher Kennedy , Bryan Hurley
发明人： Christopher Kennedy , Bryan Hurley
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0282 , G06Q30/0601 , G06Q30/0625 , G06Q30/0633 , G06Q30/08 , G06Q40/00 , G06Q40/02
摘要： Methods and systems for managing financial transactions. Specifically, the invention includes methods and systems for creating order profiles used to select vendors for carrying out third-party sub-transactions needed to complete financial transactions. A product related to the completion of the financial transaction is selected, a vendor ordering profile is selected, a product vendor that most closely matches the characteristics designated in the ordering profile is selected, and the selected product is ordered from the selected product vendor.
摘要翻译：管理金融交易的方法和系统。具体地，本发明包括用于创建用于选择供应商用于执行完成金融交易所需的第三方子交易的订单的方法和系统。选择与完成金融交易相关的产品，选择供应商订单配置文件，选择与订购配置文件中指定的特征最匹配的产品供应商，并从所选产品供应商订购所选产品。

5. 发明授权

US08548877B2 Expense tracking, electronic ordering, invoice presentment, and payment system and method 有权
标题翻译：费用跟踪，电子订单，发票陈述和支付系统和方法
公开(公告)号：US08548877B2
公开(公告)日：2013-10-01
申请号：US13608747
申请日：2012-09-10
申请人： Russell G. Bulman , Sandra R. Blum
发明人： Russell G. Bulman , Sandra R. Blum
IPC分类号： G06Q30/00 , G06Q40/00 , G07F19/00
CPC分类号： G06Q20/102 , G06Q20/14 , G06Q30/04 , G06Q30/06 , G06Q30/0601 , G06Q30/0633
摘要： Systems and methods are described for electronic invoice presentment and payment processing. Requestors may place an order to purchase goods or services from one or more vendors. Invoice processing includes approval routing and dispute resolution.
摘要翻译：描述了电子发票和支付处理的系统和方法。请求者可以下单从一个或多个供应商处购买商品或服务。发票处理包括审批路由和争议解决。

6. 发明授权

US08521613B2 Expense tracking, electronic ordering, invoice presentment, and payment system and method 有权
标题翻译：费用跟踪，电子订单，发票陈述和支付系统和方法
公开(公告)号：US08521613B2
公开(公告)日：2013-08-27
申请号：US13214283
申请日：2011-08-22
申请人： William C. Erbey , Russell G. Bulman , Robert J. Leist , Mary K. Edgecomb , Donald Vetal , Armand Bonola , Stephanie M. Hudson , Jeffrey M. Neufeld , Debra Toussaint-Blackman , Rosemary Weaver , Sandra R. Blum , Federico Bucspun
发明人： William C. Erbey , Russell G. Bulman , Robert J. Leist , Mary K. Edgecomb , Donald Vetal , Armand Bonola , Stephanie M. Hudson , Jeffrey M. Neufeld , Debra Toussaint-Blackman , Rosemary Weaver , Sandra R. Blum , Federico Bucspun
IPC分类号： G06Q30/00
CPC分类号： G06Q30/04 , G06Q20/023 , G06Q20/102 , G06Q30/00 , G06Q30/0633 , G06Q30/08 , G06Q40/00 , G06Q40/02
摘要： Systems and methods for tracking and billing expenses throughout a transaction, such as the sale or management of a real estate property. In one embodiment, a budget is created that details expected incomes on the property and costs associated with the sale or management of the property. The budget may be developed in accordance with specifications, such as line item maxima or total budget maxima, developed by the owner of the property. After a vendor has delivered goods or services described in the budget, the vendor creates an electronic invoice. Payment is delivered to the vendor through an Automated Clearing House system.
摘要翻译：在整个交易中跟踪和计费费用的系统和方法，例如出售或管理房地产。在一个实施例中，创建了预算，其中详细说明了与财产的销售或管理相关的财产和成本的预期收入。预算可以根据物业所有者开发的规格制定，例如最大订单量或最大总预算。供应商提供预算中描述的货物或服务后，供应商将创建电子发票。付款通过自动结算所系统交付给供应商。

7. 发明申请

US20110302047A1 EXPENSE TRACKING, ELECTRONIC ORDERING, INVOICE PRESENTMENT, AND PAYMENT SYSTEM AND METHOD 有权
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：US20110302047A1
公开(公告)日：2011-12-08
申请号：US13214283
申请日：2011-08-22
申请人： William C. Erbey , Russell G. Bulman , Robert J. Leist , Mary K. Edgecomb , Donald Vetal , Armand Bonola , Stephanie M. Hudson , Jeffrey M. Neufeld , Debra Toussaint-Blackman , Rosemary Weaver , Sandy Blum , Federico Bucspun
发明人： William C. Erbey , Russell G. Bulman , Robert J. Leist , Mary K. Edgecomb , Donald Vetal , Armand Bonola , Stephanie M. Hudson , Jeffrey M. Neufeld , Debra Toussaint-Blackman , Rosemary Weaver , Sandy Blum , Federico Bucspun
IPC分类号： G06Q30/00
CPC分类号： G06Q30/04 , G06Q20/023 , G06Q20/102 , G06Q30/00 , G06Q30/0633 , G06Q30/08 , G06Q40/00 , G06Q40/02
摘要： Systems and methods for tracking and billing expenses throughout a transaction, such as the sale or management of a real estate property. In one embodiment, a budget is created that details expected incomes on the property and costs associated with the sale or management of the property. The budget may be developed in accordance with specifications, such as line item maxima or total budget maxima, developed by the owner of the property. After a vendor has delivered goods or services described in the budget, the vendor creates an electronic invoice. Payment is delivered to the vendor through an Automated Clearing House system.
摘要翻译：在整个交易中跟踪和计费费用的系统和方法，例如出售或管理房地产。在一个实施例中，创建了预算，其中详细说明了与财产的销售或管理相关的财产和成本的预期收入。预算可以根据物业所有者开发的规格制定，例如最大订单量或最大总预算。供应商提供预算中描述的货物或服务后，供应商将创建电子发票。付款通过自动结算所系统交付给供应商。

8. 发明授权

US08838491B2 Method and system for an integrated approach to collections cycle optimization 有权
标题翻译：收集循环优化的综合方法的方法和系统
公开(公告)号：US08838491B2
公开(公告)日：2014-09-16
申请号：US13923601
申请日：2013-06-21
申请人： Altisource Solutions S.à r.l.
发明人： William C. Erbey , Ronald M. Faris , Ashish Pandey , Amanjeet Saluja , Deepak Dhayanithy , Saurav Chawla , Seth Evans Carter
IPC分类号： G06Q40/00 , G06Q40/02 , G06Q10/06 , G06Q10/04 , G08B25/08 , G06Q20/10
CPC分类号： G06Q40/025 , G06Q10/04 , G06Q10/06398 , G06Q20/102 , G06Q40/00 , G06Q40/02 , G08B25/08
摘要： Methods and systems are provided for an integrated approach to collections cycle optimization including optimizing personnel, communications, and collection resolutions, resulting in reducing the variability of the collections cycle, reducing instances of foreclosure in collections, while increasing borrower satisfaction with the collections process. Candidate loan officers are selected based on behavioral attributes, personnel history, and human resources information, among other factors. Scripts that improve the effectiveness of communication between loan collection staff and borrowers are generated. An optimized collection program to best suit the needs of a particular borrower is determined.
摘要翻译：提供了方法和系统，用于收集循环优化的综合方法，包括优化人员，通信和收集决议，从而减少收集周期的变异性，减少收藏中止赎权的实例，同时增加借款人对收集过程的满意度。根据行为属性，人员历史，人力资源信息等选择候选贷款人员。产生了提高贷款人员和借款人之间沟通有效性的脚本。确定最适合特定借款人需求的优化收集程序。

9. 发明申请

US20140226807A1 Call Center Services System and Method 有权
标题翻译：呼叫中心服务系统和方法
公开(公告)号：US20140226807A1
公开(公告)日：2014-08-14
申请号：US14257418
申请日：2014-04-21
申请人： Altisource Solutions S.à r.l.
发明人： Dale Pickford
IPC分类号： H04M3/523 , H04M3/51
CPC分类号： H04M3/5233 , H04M3/42059 , H04M3/42068 , H04M3/5158 , H04M3/5175 , H04M3/5183 , H04M3/5235 , H04M3/5237 , H04M3/5238 , H04M2203/551
摘要： A method and system for providing automated call center services, operating by identifying a caller, accessing the caller's account information, determining the likely reason for the call, identifying an agent skill group based on the likely reason for the call, and providing an available agent with access to the caller's account information, together with a script based on the likely reason for the call. Data and voice access to agents is combined with specialized methods and systems for determining agent optimization capabilities, thereby allowing multiple call centers located in geographically different areas to operate as a seamless virtual call center, having the capability to dynamically reorganize the structure of available agents, regardless of where located. Real time statistics allow determination of how many agents should be available and what skill set those agents should have, thereby facilitating management decisions.
摘要翻译：一种用于提供自动呼叫中心服务的方法和系统，通过识别呼叫者，访问呼叫者的帐户信息，确定呼叫的可能原因，基于呼叫的可能原因识别代理技能组，以及提供可用代理可以根据呼叫的可能原因访问呼叫者的帐户信息以及脚本。将代理的数据和语音访问与用于确定代理优化能力的专门的方法和系统相结合，从而允许位于地理上不同的区域中的多个呼叫中心作为无缝虚拟呼叫中心运行，具有动态重组可用代理的结构的能力，不管位于哪里。实时统计数据可以确定应该有多少代理可用，以及这些代理人应具备哪些技能，从而有助于管理决策。

10. 发明授权

US08744062B2 Call center services system and method 有权
标题翻译：呼叫中心服务系统和方法
公开(公告)号：US08744062B2
公开(公告)日：2014-06-03
申请号：US13039141
申请日：2011-03-02
申请人： Dale Pickford
发明人： Dale Pickford
IPC分类号： H04M5/00
CPC分类号： H04M3/5233 , H04M3/42059 , H04M3/42068 , H04M3/5158 , H04M3/5175 , H04M3/5183 , H04M3/5235 , H04M3/5237 , H04M3/5238 , H04M2203/551
摘要： A method and system for providing automated call center services, operating by identifying a caller, accessing the caller's account information, determining the likely reason for the call, identifying an agent skill group based on the likely reason for the call, and providing an available agent with access to the caller's account information, together with a script based on the likely reason for the call. Data and voice access to agents is combined with specialized methods and systems for determining agent optimization capabilities, thereby allowing multiple call centers located in geographically different areas to operate as a seamless virtual call center, having the capability to dynamically reorganize the structure of available agents, regardless of where located. Real time statistics allow determination of how many agents should be available and what skill sets those agents should have, thereby facilitating management decisions.
摘要翻译：一种用于提供自动呼叫中心服务的方法和系统，通过识别呼叫者，访问呼叫者的帐户信息，确定呼叫的可能原因，基于呼叫的可能原因识别代理技能组，以及提供可用代理可以根据呼叫的可能原因访问呼叫者的帐户信息以及脚本。将代理的数据和语音访问与用于确定代理优化能力的专门的方法和系统相结合，从而允许位于地理上不同的区域中的多个呼叫中心作为无缝虚拟呼叫中心运行，具有动态重组可用代理的结构的能力，不管位于哪里。实时统计数据可以确定应该有多少代理可用，以及这些代理应该具备哪些技能，从而有助于管理决策。

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