초록 ▼

An electronic commerce invoicing and collection system (EICS) which provides the services of invoicing, automatic "past due" reminders in a real time recorded/registered format is described. Customers of a supplier are encouraged to pay invoices promptly via increased leverage of the supplier, publi

An electronic commerce invoicing and collection system (EICS) which provides the services of invoicing, automatic "past due" reminders in a real time recorded/registered format is described. Customers of a supplier are encouraged to pay invoices promptly via increased leverage of the supplier, public disclosure of a customer's payment behavior, and donations to charity. An integral part of this invention is accurate payment analysis statistics data that exceeds the detail and timeliness of present systems. The EICS provides a methodology to enable banks to minimize their risk when lending money and save on customer auditing fees. The system and method also provide for bank charges, bank interest payments, factoring charges, and charities to be subsidized by customers who pay their invoices late. The result of such a system and method is customer payment behavior modification.

대표청구항 ▼

[ What is claimed is:] [1.] A method of encouraging payment by a customer to a supplier via an electronic invoicing and collection system, said electronic invoicing and collection system performing the steps of:(a) receiving an invoice from said supplier which states a balance that is owed to said s

[ What is claimed is:] [1.] A method of encouraging payment by a customer to a supplier via an electronic invoicing and collection system, said electronic invoicing and collection system performing the steps of:(a) receiving an invoice from said supplier which states a balance that is owed to said supplier by said customer, said invoice including a due date and payment terms which include a late payment surcharge if said invoice is not paid in accordance with said payment terms;(b) forwarding said invoice to said customer;(c) distributing a payment reminder to said customer if said balance has not been paid in accordance with said payment terms stated in said invoice;(d) assessing said surcharge to said customer in the case of late payment;(e) assigning a portion of said late payment surcharge to a charitable cause;(f) recording payments of said customer made to said invoice and payments made to said charitable cause in order to create a payment history data base,whereby said customer is encouraged to make timely payments of balances owed to said supplier by the intervention of said electronic invoicing and collection system, resulting in payment behavior modification.