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1. 发明申请

WO2006009710A3 METHOD AND SYSTEM FOR PROVIDING ASSURANCE AND FINANCING SERVICES 审中-公开
标题翻译：提供保证和融资服务的方法和系统
公开(公告)号：WO2006009710A3
公开(公告)日：2006-03-23
申请号：PCT/US2005021049
申请日：2005-06-14
申请人： VISA INT SERVICE ASS , REID WILLIAM , SWACKHAMMER CRAIG , LYNCH KERRY , LAU JOHNSON
发明人： REID WILLIAM , SWACKHAMMER CRAIG , LYNCH KERRY , LAU JOHNSON
IPC分类号： G06Q40/00 , G06F17/00
CPC分类号： G06Q40/00 , G06Q40/02
摘要： A system (10) for conducting commercial transactions between buyers (12) and sellers (14) is disclosed. The system includes a transaction processing system (10) for facilitating payment for transactions between buyers (12) and sellers (14). In addition to the buyer (12) and the seller (14), the transaction processing system (10) also interacts with issuers and acquirers. The transaction processing system (10) monitors and manages payment information relating to transactions conducted between buyers (12) and sellers (14). Using such information, the transaction processing system (10) further offers a number of additional financing services including, for example, buyer (12) payment assurance, buyer bank payment assurance, buyer bank payable discounting, buyer bank payable discount aggregation, seller/receivable financing and seller bank receivable discount aggregation.
摘要翻译：公开了一种用于在买方（12）和卖方（14）之间进行商业交易的系统（10）。该系统包括用于促进购买者（12）和卖家（14）之间的交易的支付的交易处理系统（10）。除了买方（12）和卖方（14）之外，交易处理系统（10）还与发行人和收单方进行交互。交易处理系统（10）监视和管理与买方（12）和卖方（14）之间进行的交易有关的支付信息。使用这样的信息，交易处理系统（10）还提供一些附加的融资服务，包括例如买方（12）支付保证，买方银行支付保证，买方银行应付打折，买方银行应付折扣汇总，卖方/应收款融资和卖方银行应收票据折现汇总。

2. 发明申请

WO2006076503A3 PRE-FUNDING SYSTEM AND METHOD 审中-公开
标题翻译：预付系统和方法
公开(公告)号：WO2006076503A3
公开(公告)日：2007-10-18
申请号：PCT/US2006001105
申请日：2006-01-12
申请人： VISA INT SERVICE ASS , REID WILLIAM , LYNCH KEIRON G , SWACKHAMMER CRAIG , NOVAK MARITA KATHRINA , MARTINEZ L TED , BRYANT JOHN M
发明人： REID WILLIAM , LYNCH KEIRON G , SWACKHAMMER CRAIG , NOVAK MARITA KATHRINA , MARTINEZ L TED , BRYANT JOHN M
IPC分类号： G06Q30/00
CPC分类号： G06Q20/40 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q40/025 , G06Q40/06
摘要： A method for pre-funding is disclosed. The method includes sending a plurality of pre-fund authorization requests to a buyer financial institution, and then receiving a plurality of responses to the pre-fund authorization requests from the buyer financial institution, where each response either accepts or declines a pre fund authorization request. A funds transfer request is sent to the buyer financial institution, where the funds transfer request corresponds to a total value of the accepted pre-fund authorization requests. Notification that funds have transferred from the buyer financial institution in response to the funds transfer request is received. Then, the sending of the funds to a supplier financial institution is authorized.
摘要翻译：披露了一种预融资的方法。该方法包括向购买者金融机构发送多个预先资金授权请求，然后从买方金融机构接收对资金前授权请求的多个响应，其中每个应答都接受或拒绝预先资金授权请求。资金转账请求被发送给买方金融机构，其中资金转账请求对应于接受的资金前授权请求的总价值。收到资金从买家金融机构转入资金转账请求的通知。然后，将资金发送给供应商金融机构。

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