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    On-line account management system having a tiered account information storage system
    11.
    发明授权
    On-line account management system having a tiered account information storage system 有权
    具有分层帐户信息存储系统的在线帐户管理系统

    公开(公告)号：US07720818B1

    公开(公告)日：2010-05-18

    申请号：US10331376

    申请日：2002-12-30

    申请人： Joseph G. Laura

    发明人： Joseph G. Laura

    IPC分类号： G06F12/00

    CPC分类号： G06Q40/02 ,  Y10S707/944 ,  Y10S707/95

    摘要： A system and method for on-line management of account information by customers of a provider of goods or services. A web server receives billing information from a telecommunications service provider in a standardized XML-format readily suitable for viewing by the customers. The system further includes a tiered storage system for maintaining invoices of the customers. Recent invoices are maintained in an upper tier of the storage system where they are accessible to customers over the Internet. As the invoices age, an archival and retrieval application periodically transfers the invoices to an intermediate tier where they may only be accessed by the archival and retrieval application using an index maintained in the upper tier. Account receivable information is also available on-line through the web site. The available account receivable information is continuously synchronized with corresponding information maintained by the service provider using a synchronization application which minimizes traffic therebetween.

    摘要翻译： 用于商品或服务提供商的客户对账户信息进行在线管理的系统和方法。 Web服务器以电子邮件服务提供商的标准XML格式接收账单信息，该XML格式很容易被客户查看。 该系统还包括用于维护客户发票的分层存储系统。 最近的发票维护在存储系统的上层，通过Internet可以访问客户。 随着发票年龄的增长，存档和检索应用程序会定期将发票转移到中间层，只能通过归档和检索应用程序使用上层维护的索引进行访问。 应收账款信息也可通过网站在线查询。 可利用的应收账款信息与由业务提供商维护的相应信息连续同步，该同步应用最小化其间的流量。

    Dual source remittance processing
    13.
    发明授权
    Dual source remittance processing 失效
    双源汇款处理

    公开(公告)号：US07711690B1

    公开(公告)日：2010-05-04

    申请号：US09010193

    申请日：1998-01-21

    申请人： David Lee Garrison ,  Patricia A. Kight ,  Brad Perkins ,  Cheryl Lynn Ward ,  Mary Elizabeth Lawson ,  Amy Lynn Kerin

    发明人： David Lee Garrison ,  Patricia A. Kight ,  Brad Perkins ,  Cheryl Lynn Ward ,  Mary Elizabeth Lawson ,  Amy Lynn Kerin

    IPC分类号： G06F17/00

    CPC分类号： G06Q20/14 ,  G06Q20/102 ,  G06Q30/04 ,  G06Q40/02 ,  Y10S707/95

    摘要： A method and apparatus for electronically processing bill payment requests where respective sets of payment requests are received electronically from a plurality of independent sources, each set of payment requests corresponding to an associated set of payers requesting payments to a plurality of payees. The payment requests are processed at a single remittance processing system having a database including payee information for each of the plurality of payees to generate payment directions for paying the plurality of payees in accordance with the processed payment requests.

    摘要翻译： 一种用于电子处理账单支付请求的方法和装置，其中相应的一组支付请求是从多个独立的来源电子地接收的，每组支付请求对应于一组相关的支付者请求支付给多个收款人。 支付请求在具有数据库的单个汇款处理系统处理，该数据库包括多个收款人中的每一个的收款人信息，以根据处理的支付请求生成用于支付多个收款人的付款指示。

    Account selection for financial processing in a relational database management system
    14.
    发明授权
    Account selection for financial processing in a relational database management system 有权
    关系数据库管理系统中财务处理的帐户选择

    公开(公告)号：US07693761B1

    公开(公告)日：2010-04-06

    申请号：US10013422

    申请日：2001-12-10

    申请人： Brian Jay Wasserman

    发明人： Brian Jay Wasserman

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/00 ,  Y10S707/95 ,  Y10S707/99943

    摘要： A Value Analyzer system is a data-driven computer-facilitated financial model that provides accurate and consistent profitability calculations using account and event data stored in a relational database managed by a relational database management system (RDBMS), wherein the account data comprises attributes of the accounts being measured and the event data comprises attributes of account-related transactions. A selector function uses selection criteria to select accounts and events from the relational database in order to generate a number of inputs for profitability calculations.

    摘要翻译： 价值分析器系统是数据驱动的计算机辅助金融模型，其使用存储在由关系数据库管理系统（RDBMS）管理的关系数据库中的帐户和事件数据提供准确和一致的利润率计算，其中帐户数据包括 帐户被测量，事件数据包括帐户相关交易的属性。 选择器功能使用选择标准从关系数据库中选择帐户和事件，以生成一些用于获利计算的输入。

    System and method for mobile wireless electronic data capture and distribution of a merchant card-processing application
    20.
    发明授权
    System and method for mobile wireless electronic data capture and distribution of a merchant card-processing application 有权
    用于移动无线电子数据采集和分发商家卡片处理应用的系统和方法

    公开(公告)号：US07233960B1

    公开(公告)日：2007-06-19

    申请号：US10281481

    申请日：2002-10-25

    申请人： Ann S. Boris ,  RoseMary Wall

    发明人： Ann S. Boris ,  RoseMary Wall

    IPC分类号： G06F17/30 ,  G06F15/16

    CPC分类号： G06Q20/12 ,  Y10S707/95 ,  Y10S707/954 ,  Y10S707/955 ,  Y10S707/99944 ,  Y10S707/99945

    摘要： A computerized data capture system for processing applications for merchant card service processing accounts is provided. The system has a project database that includes a plurality of data capture objects that are relevant to the system and table structures which define the relationship between the data capture objects. A subset of the data capture objects are defined to process applications for merchant card service processing accounts. Applications for merchant card service processing accounts are captured and processed using the plurality of data capture objects and the table structures of the project database.

    摘要翻译： 提供了一种用于处理商家卡服务处理帐户的计算机化数据捕获系统。 该系统具有项目数据库，其包括与系统相关的多个数据捕获对象和定义数据捕获对象之间的关系的表结构。 定义了数据捕获对象的一个​​子集，用于处理商家卡服务处理帐户的应用程序。 使用多个数据捕获对象和项目数据库的表结构来捕获和处理商家卡服务处理帐户的应用。