최소 단어 이상 선택하여야 합니다.
최대 10 단어까지만 선택 가능합니다.
다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
NTIS 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
DataON 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Edison 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Kafe 바로가기국가/구분 | United States(US) Patent 등록 |
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국제특허분류(IPC7판) |
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출원번호 | US-0131602 (2005-05-17) |
등록번호 | US-8606697 (2013-12-10) |
발명자 / 주소 |
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출원인 / 주소 |
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대리인 / 주소 |
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인용정보 | 피인용 횟수 : 0 인용 특허 : 244 |
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.
1. A computer readable medium stored on a server computer, which executes: control logic on the computer readable medium for monitoring a plurality of transactions between a buyer and a seller, wherein for each transaction, a payment is owed by the buyer to the seller;control logic on the computer r
1. A computer readable medium stored on a server computer, which executes: control logic on the computer readable medium for monitoring a plurality of transactions between a buyer and a seller, wherein for each transaction, a payment is owed by the buyer to the seller;control logic on the computer readable medium for providing a payment instruction to the buyer for one or more transactions in the plurality of transactions;control logic on the computer readable medium for receiving a request from the buyer for buyer assurance by a buyer bank for the one or more transactions in the plurality of transactions;control logic on the computer readable medium for locking down the one or more transactions for which assurance has been requested by the buyer; andcontrol logic on the computer readable medium for allowing the buyer bank to offer buyer bank payable discounting (BBPD) to the seller using information collected from monitoring the plurality of transactions;wherein the buyer bank handles processing of payables for the plurality of transactions on behalf of the buyer;wherein the control logic configured to allow the buyer bank to offer buyer bank payable discounting (BBPD) to the seller further comprises:control logic on the computer readable medium for displaying to the seller transactions that qualify for BBPD from the buyer bank and allow the seller to request BBPD for one or more transactions selected from the qualified transactions;control logic on the computer readable medium for allowing the buyer bank to approve the selected one or more transactions for BBPD; andcontrol logic on the computer readable medium for allowing the buyer bank to identify the transactions that qualify for BBPD before they are displayed to the seller. 2. The computer readable medium of claim 1 wherein the control logic on the computer readable medium for displaying includes a graphical user interface configured to display the transactions that qualify for BBPD to the seller. 3. The computer readable medium of claim 1 wherein the control logic on the computer readable medium for allowing the buyer bank to approve the selected one or more transactions for BBPD includes a graphical user interface configured to allow the buyer bank to review and approve the selected one or more transactions for BBPD. 4. The computer readable medium of claim 1 wherein the control logic on the computer readable medium for allowing the buyer bank to offer buyer bank payable discounting (BBPD) to the seller further comprises: control logic on the computer readable medium for maintaining 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 for allowing the buyer bank to specify terms and conditions corresponding to each of the approved transactions for BBPD; andcontrol logic on the computer readable medium for presenting 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. 5. The computer readable medium of claim 1 further comprising: control logic on the computer readable medium for informing the seller of a buyer bank BBPD offer; andcontrol logic on the computer readable medium for allowing the seller to accept or reject the buyer bank BBPD offer. 6. The computer readable medium of claim 5 further comprising: control logic on the computer readable medium for presenting a formal agreement to the seller upon the seller accepting the buyer bank BBPD offer. 7. The computer readable medium 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. 8. The computer readable medium of claim 7 further comprising control logic on the computer readable medium for assigning bank assured status to one or more transactions that are buyer assured. 9. The computer readable medium of claim 1, wherein each of the buyer and the seller have multiple transaction accounts from which a payment can be debited or credited. 10. The computer readable medium of claim 1, wherein an approval of the payment instruction can be supplied by a third party system on behalf of the buyer. 11. The computer readable medium of claim 1, wherein the payment instruction is sent to the buyer without any accompanying invoice. 12. A system for providing payable discounting services, the system being used by a plurality of buyers, a plurality of sellers, and a plurality of buyer banks handling payable processing for the plurality of buyers, the system comprising: means for monitoring a plurality of transactions conducted between the plurality of buyers and the plurality of sellers, wherein for each transaction, a payment is owed by a buyer to a seller;means for allowing the buyer to request buyer assurance from a buyer bank for one or more transactions in the plurality of transactions;means for locking down transactions for which assurance has been requested by the buyer;means for allowing the plurality of buyer banks to offer buyer bank payable discounting (BBPD) to one or more of the plurality of sellers using information collected from monitoring the plurality of transactions;means for displaying one or more of the plurality of sellers respectively transactions that qualify for BBPD from one or more of the plurality of buyer banks;means for receiving a BBPD request from the one or more of the plurality of sellers for one or more transactions selected from the qualified transactions, wherein the seller is only able to request BBPD from the buyer bank if that buyer bank has one or more payables from corresponding transactions owed to the seller;means for receiving a BBPD approval for the selected one or more transactions from the one or more of the plurality of buyer banks; andmeans for receiving identification from the plurality of buyer banks regarding the transactions that qualify for BBPD before they are displayed to the one or more of the plurality of sellers. 13. The system of claim 12 wherein the transactions that qualify for BBPD include transactions having a bank-assured status and/or transactions that have been approved respectively by the one or more of the plurality of buyer banks for BBPD. 14. The system of claim 12 wherein the system further comprises: means for maintaining general terms and conditions provided respectively by one or more of the plurality of buyer banks for BBPD, wherein the general terms and conditions can be modified by the one or more of the plurality of buyer banks;means for allowing one or more of the plurality of buyer banks to specify respectively terms and conditions corresponding to each of the approved transactions for BBPD; andmeans for presenting to one or more of the plurality of sellers for acceptance respectively the approved transactions, the general terms and conditions, and the specified terms and conditions corresponding to each of the approved transactions for BBPD. 15. The system of claim 12 wherein the system further comprises: means for informing one or more of the plurality of sellers respectively of one or more buyer bank BBPD offers; andmeans for allowing the one or more of the plurality of sellers to respectively accept or reject the one or more buyer bank BBPD offers. 16. The system of claim 15 wherein the system further comprises: means for respectively presenting formal agreements to one or more of the plurality of sellers upon their accepting their respective buyer bank BBPD offers. 17. The system of claim 12 wherein the 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. 18. The system of claim 12, further comprising: means for providing a plurality of payment instructions to the plurality of buyers; andmeans for supplying an approval of the payment instructions by a third party system on behalf of the one or more of the plurality of buyers. 19. The system of claim 18, wherein the plurality of payment instructions are sent to the plurality of buyers without any accompanying invoice. 20. A system comprising: 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;an authorization and settlement interface coupled to the pricing engine and configured to communicate with a data transport and processing network; anda computer readable medium stored on a server, which executescontrol logic on the computer readable medium for monitoring a plurality of transactions between a buyer and a seller, wherein for each transaction, a payment is owed by the buyer to the 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 for receiving a request from the buyer for buyer assurance from a buyer bank for the one or more transactions in the plurality of transactions;control logic on the computer readable medium for locking down transactions for which assurance has been requested by the buyer; andcontrol logic on the computer readable medium for allowing the buyer bank to offer buyer bank payable discounting (BBPD) to the seller using information collected from monitoring the plurality of transactions;wherein the buyer bank handles processing of payables for the plurality of transactions on behalf of the buyer. 21. The system of claim 20, wherein each of the buyer and the seller have multiple transaction accounts from which a payment can be debited or credited. 22. The system of claim 20, wherein an approval of the payment instruction can be supplied by a third party system on behalf of the buyer. 23. The system of claim 20, wherein the payment instruction is sent to the buyer without any accompanying invoice.
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