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1. 发明申请

WO2005019982A2 METHODS AND SYSTEMS FOR PROVIDING CUSTOMER RELATIONS INFORMATION 审中-公开
标题翻译：提供客户关系信息的方法和系统
公开(公告)号：WO2005019982A2
公开(公告)日：2005-03-03
申请号：PCT/US2004/024379
申请日：2004-08-16
申请人： OCWEN FINANCIAL CORPORATION , ERBEY, William, C. , CONRADSON, Scott, Paul
发明人： ERBEY, William, C. , CONRADSON, Scott, Paul
IPC分类号： G06F
CPC分类号： G06Q40/02 , G06Q30/016 , G06Q40/00 , H04M3/51
摘要： Methods and systems for providing information to a mortgage recipient or other customer of a financial institution. A system identifies potential customer inquiries and provides a list of scripts responsive to the potential customer inquiries. If none of the scripts address the customer’s inquiry, the customer specifies the inquiry and an additional list of scripts is generated. The scripts include scripted text, account information, and financial transaction information. In one variation, the customer accesses a website maintained by the financial institution and views a script responsive to the inquiry. In another variation, the customer telephones a customer service agent who selects a script responsive to the inquiry, and reads the script to the customer. In yet another variation, the script is provided to the customer via an Interactive Voice Responses system.
摘要翻译：向金融机构的抵押人或其他客户提供信息的方法和系统。系统识别潜在的客户查询，并提供响应潜在客户查询的脚本列表。如果没有脚本解决客户的查询，则客户指定查询，并生成附加的脚本列表。脚本包括脚本文本，帐户信息和金融交易信息。在一个变化中，客户访问由金融机构维护的网站并且响应于查询查看脚本。在另一个变体中，客户电话接听客户服务代理，该代理人响应于查询选择一个脚本，并将该脚本读取给客户。在另一个变型中，脚本通过交互式语音响应系统被提供给顾客。

2. 发明申请

WO2005019981A2 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：WO2005019981A2
公开(公告)日：2005-03-03
申请号：PCT/US2004/024378
申请日：2004-08-16
申请人： OCWEN FINANCIAL CORPORATION , ERBEY, William, C. , BULMAN, Russell, G. , LEIST, Robert, J. , EDGECOMB, Mary, Kathleen , VETAL, Donald , BONOLA, Armand , HUDSON, Stephanie, M. , NEUFELD, Jeffrey, M. , TOUSSAINT-BLACKMAN, Debra , WEAVER, Rosemary , BUCSPUN, Frederico, Martin , BLUM, Sandra, R.
发明人： ERBEY, William, C. , BULMAN, Russell, G. , LEIST, Robert, J. , EDGECOMB, Mary, Kathleen , VETAL, Donald , BONOLA, Armand , HUDSON, Stephanie, M. , NEUFELD, Jeffrey, M. , TOUSSAINT-BLACKMAN, Debra , WEAVER, Rosemary , BUCSPUN, Frederico, Martin , BLUM, Sandra, R.
IPC分类号： G06F
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，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，例如订单项最大值或总预算最大值。在供应商交付预算中描述的货物或服务后，供应商将创建电子发票。付款通过自动清算所系统交付给供应商。

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