Method and system for providing assurance and financing services
IPC분류정보
국가/구분
United States(US) Patent
등록
국제특허분류(IPC7판)
G06Q-020/10
G06Q-020/04
G06Q-040/02
G06Q-020/02
출원번호
US-0132067
(2005-05-17)
등록번호
US-8571978
(2013-10-29)
발명자
/ 주소
Reid, William
Swackhammer, Craig
Lynch, Kerry
Lau, Johnson
출원인 / 주소
Visa International Service Association
대리인 / 주소
Kilpatrick Townsend & Stockton LLP
인용정보
피인용 횟수 :
0인용 특허 :
242
초록▼
A system for conducting commercial transactions between buyers and sellers is disclosed. The system includes a transaction processing system for facilitating payment for transactions between buyers and the sellers. In addition to the buyer and the seller, the transaction processing system also inter
A system for conducting commercial transactions between buyers and sellers is disclosed. The system includes a transaction processing system for facilitating payment for transactions between buyers and the sellers. In addition to the buyer and the seller, the transaction processing system also interacts with issuers and acquirers. The transaction processing system monitors and manages payment information relating to transactions conducted between buyers and sellers. Using such information, the transaction processing system further offers a number of additional financing services including, for example, buyer payment assurance, buyer bank payment assurance, buyer bank payable discounting, buyer bank payable discount aggregation, seller/receivable financing and seller bank receivable discount aggregation.
대표청구항▼
1. A system comprising a server and a computer readable medium stored on the server for providing financing services, wherein the server executes: control logic on the computer readable medium configured to monitor a plurality of transactions between a buyer and a seller;control logic on the compute
1. A system comprising a server and a computer readable medium stored on the server for providing financing services, wherein the server executes: control logic on the computer readable medium configured to monitor a plurality of transactions between a buyer and a seller;control logic on the computer readable medium for sending a payment instruction to the buyer for one or more transactions in the plurality of transactions;control logic on the computer readable medium configured to provide the buyer with the ability to assign buyer-assured status to the one or more transactions after the buyer receives the payment instruction, wherein the buyer assured status indicates that payment for the one or more transactions is assured by the buyer and is an unconditional, irrevocable guarantee that payment will be made by the buyer on a specified date with certainty;control logic on the computer readable medium for storing terms and conditions relating to buyer assured status;control logic on the computer readable medium configured to provide the buyer with the ability to request assurance from a buyer bank for the one or more transactions and control logic on the computer readable medium configured to determine whether to provide assurance to the one or more transactions requested by the buyer and assign a bank-assured status to each transaction for which assurance is to be provided, wherein the buyer bank handles processing of payables for the plurality of transactions on behalf of the buyer;control logic on the computer readable medium configured to provide the buyer bank with the ability to offer buyer bank payable discounting to the seller;control logic on the computer readable medium configured to provide the buyer bank with the ability to offer buyer bank payable discounting aggregation to the seller;control logic on the computer readable medium configured to provide a seller bank with the ability to offer seller bank receivable discounting to the seller, wherein the seller bank handles processing of receivables from the plurality of transactions on behalf of the seller; andcontrol logic on the computer readable medium configured to provide the seller bank with the ability to offer seller bank receivable discounting aggregation to the seller. 2. The system of claim 1 wherein once the buyer-assured status is assigned to the one or more transactions, all information relating to the transaction is locked down and protected against subsequent modification. 3. The system of claim 1 wherein the control logic configured to determine whether to provide assurance further comprises: control logic on the computer readable medium configured to maintain terms and conditions relating to assurance; andcontrol logic on the computer readable medium configured to utilize the terms and conditions relating to assurance to determine whether to provide assurance to the one or more transactions requested by the buyer. 4. The system of claim 1 wherein the control logic configured to determine whether to provide assurance further comprises: control logic on the computer readable medium configured to forward to buyer bank information relating to assurance requests for the one or more transactions requested by the buyer; andcontrol logic on the computer readable medium configured to process responses from the buyer bank with respect to the assurance requests. 5. The system of claim 1 wherein the control logic configured to provide the buyer bank with the ability to offer buyer bank payable discounting (BBPD) to the seller further comprises: control logic on the computer readable medium configured to display to the seller transactions that qualify for BBPD from the buyer bank and provide the seller with the ability to request BBPD for one or more transactions selected from the qualified transactions; andcontrol logic on the computer readable medium configured to provide the buyer bank with the ability to approve the selected one or more transactions for BBPD. 6. The system of claim 5 wherein the transactions that qualify for BBPD include transactions having the bank-assured status and/or transactions that have been approved by the buyer bank for BBPD. 7. The system of claim 5 wherein the control logic configured to provide the buyer bank with the ability to offer buyer bank payable discounting (BBPD) to the seller further comprises: control logic on the computer readable medium configured to maintain general terms and conditions provided by the buyer bank for BBPD, wherein the general terms and conditions can be modified by the buyer bank;control logic on the computer readable medium configured to provide the buyer bank with the ability to specify terms and conditions corresponding to each of the approved transactions for BBPD; andcontrol logic on the computer readable medium configured to present to the seller for acceptance the approved transactions, the general terms and conditions, and the specified terms and conditions corresponding to each of the approved transactions for BBPD. 8. The system of claim 1 wherein the control logic configured to provide the buyer bank with the ability to offer buyer bank payable discounting aggregation (BBPDA) to the seller further comprises: control logic on the computer readable medium configured to build a tranche based on a set of criteria specified by the buyer bank, wherein the tranche is associated with one or more payables corresponding to one or more of the plurality of transactions; andcontrol logic on the computer readable medium configured to present the tranche as a line of credit to the seller. 9. The system of claim 8 wherein at least one of the one or more payables is secured. 10. The system of claim 8 further comprising: control logic on the computer readable medium configured to maintain terms and conditions relating to the line of credit, wherein the terms and conditions relating to the line of credit are provided by the buyer bank; andcontrol logic on the computer readable medium configured to present the terms and conditions relating to the line of credit to the seller. 11. The system of claim 8 further comprising: control logic on the computer readable medium configured to monitor activities incurred with respect to the tranche. 12. The system of claim 8 further comprising: control logic on the computer readable medium configured to provide the seller with the ability to issue a BBPDA request; andcontrol logic on the computer readable medium configured to forward the BBPDA request to the buyer bank;wherein the set of criteria specified by the buyer bank is based on the BBPDA request. 13. The system of claim 8 further comprising: control logic configured to monitor the one or more payables associated with the tranche to ensure that the set of criteria is satisfied. 14. The system of claim 1 wherein the control logic configured to provide the seller bank with the ability to offer seller bank receivable discounting (SBRD) to the seller further comprises: control logic on the computer readable medium configured to display to the seller bank transactions that qualify for SBRD;control logic on the computer readable medium configured to provide the seller bank with the ability to offer SBRD to the seller for one or more transactions selected from the qualified transactions; andcontrol logic on the computer readable medium configured to provide the seller with the ability to accept SBRD for one or more transactions offered by the seller bank. 15. The system of claim 14 wherein the transactions that qualify for SBRD include transactions having the bank-assured status. 16. The system of claim 14 wherein the control logic configured to provide the seller bank with the ability to offer seller bank receivable discounting (SBRD) to the seller further comprises: control logic on the computer readable medium configured to maintain general terms and conditions provided by the seller bank for SBRD, wherein the general terms and conditions can be modified by the seller bank;control logic on the computer readable medium configured to provide the seller bank with the ability to specify terms and conditions corresponding to each of the one or more transactions offered by the seller bank for SBRD; andcontrol logic on the computer readable medium configured to present to the seller for acceptance the one or more transactions offered by the seller bank, the general terms and conditions, and the specified terms and conditions corresponding to each of the one or more transactions offered by the seller bank for SBRD. 17. The system of claim 1 wherein the control logic configured to provide the seller bank with the ability to offer seller bank receivable discounting (SBRD) to the seller further comprises: control logic on the computer readable medium configured to display to the seller transactions that qualify for SBRD from the seller bank and allow the seller to request SBRD for one or more transactions selected from the qualified transactions; andcontrol logic on the computer readable medium configured to provide the seller bank with the ability to approve the selected one or more transactions for SBRD. 18. The system of claim 17 wherein the transactions that qualify for SBRD include transactions having the bank-assured status. 19. The system of claim 17 wherein the control logic configured to provide the seller bank with the ability to offer seller bank receivable discounting (SBRD) to the seller further comprises: control logic on the computer readable medium configured to maintain general terms and conditions provided by the seller bank for SBRD, wherein the general terms and conditions can be modified by the seller bank;control logic on the computer readable medium configured to provide the seller bank with the ability to specify terms and conditions corresponding to each of the approved transactions for SBRD; andcontrol logic on the computer readable medium configured to present to the seller for acceptance the approved transactions, the general terms and conditions, and the specified terms and conditions corresponding to each of the approved transactions for SBRD. 20. The system of claim 1 wherein the control logic configured to provide the seller bank with the ability to offer seller bank receivable discounting aggregation (SBRDA) to the seller further comprises: control logic on the computer readable medium configured to build a tranche based on a set of criteria specified by the seller bank, wherein the tranche is associated with one or more receivables corresponding to one or more of the plurality of transactions; andcontrol logic on the computer readable medium configured to present the tranche as a line of credit to the seller. 21. The system of claim 20 wherein at least one of the one or more receivables is secured. 22. The system of claim 20 further comprising: control logic on the computer readable medium configured to maintain terms and conditions relating to the line of credit, wherein the terms and conditions relating to the line of credit are provided by the seller bank; andcontrol logic on the computer readable medium configured to present the terms and conditions relating to the line of credit to the seller. 23. The system of claim 20 further comprising: control logic on the computer readable medium configured to monitor activities incurred with respect to the tranche. 24. The system of claim 20 further comprising: control logic on the computer readable medium configured to provide the seller with the ability to issue a SBRDA request; andcontrol logic on the computer readable medium configured to forward the SBRDA request to the seller bank;wherein the set of criteria specified by the seller bank is based on the SBRDA request. 25. The system of claim 20 further comprising: control logic on the computer readable medium configured to monitor the one or more receivables associated with the tranche to ensure that the set of criteria is satisfied. 26. The system of claim 1 further comprising control logic on the computer readable medium for specifying a particular funding source of each transaction wherein assurance has been requested by the buyer. 27. The system of claim 1 wherein the transaction processing system further comprises: an invoice pre-processor configured to receive a plurality of invoices in an electronic format and generate standard invoice files for the plurality of invoices;a payment manager coupled to the invoice pre-processor and configured to receive the standard invoices files, wherein the payment manager is further configured to generate payment instructions for the standard invoice files;a pricing engine coupled to the payment manager, wherein the pricing engine is configured to receive the payment instructions and determine transaction fees associated with the payment instructions, wherein the transaction fees are based on terms and conditions stored in a database coupled to the pricing engine; andan authorization and settlement interface coupled to the pricing engine and configured to communicate with a data transport and processing network. 28. The system of claim 1, wherein each of the buyer and the seller have multiple transaction accounts from which a payment can be debited or credited. 29. The system of claim 1, wherein an approval of the payment instruction can be supplied by a third party system on behalf of the buyer. 30. The system of claim 1, wherein the payment instruction is sent to the buyer without any accompanying invoice.
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이 특허에 인용된 특허 (242)
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