公开(公告)号：US08819789B2

公开(公告)日：2014-08-26

申请号：US13517503

申请日：2012-06-13

申请人： Mark Orttung ,  Darren Linscott

发明人： Mark Orttung ,  Darren Linscott

IPC分类号： G06F21/00 ,  H04L29/06 ,  G06F21/40

CPC分类号： G06Q20/4014 ,  G06F21/40 ,  G06Q20/4016 ,  G06Q50/01 ,  H04L63/08

摘要： Login credentials for at least one website, such as a social networking website, are received from a user purporting to act on behalf of an entity, for example, in the context of registering the entity with a system for electronic bill payment. Social data relating to the entity is retrieved from the websites using the login credentials. The social data comprises a plurality of social connections, each reflecting a respective relationship between the entity and a respective third party. A plurality of relevant social connections comprising at least a subset of the plurality of social connections is determined, each social connection of the plurality of relevant social connections reflecting a relationship to a respective third party that is deemed to be reliable. A reliability rating of the entity is then determined based on the plurality of relevant social connections.

摘要翻译： 至少一个网站（例如社交网站）的登录凭证从用户代表一个实体接收，例如在用电子账单支付系统注册该实体的上下文中。 使用登录凭据从网站检索与该实体相关的社会数据。 社交数据包括多个社交连接，每个社交连接各自反映实体和相应的第三方之间的相应关系。 确定包括多个社交连接的至少一个子集的多个相关的社会关系，所述多个相关社会关系的每个社会关系反映与被认为是可靠的相应第三方的关系。 然后基于多个相关的社会连接来确定实体的可靠性等级。

公开(公告)号：US08484088B1

公开(公告)日：2013-07-09

申请号：US10960408

申请日：2004-10-06

申请人： Mark Orttung ,  Jerome Chen ,  Anson Mah ,  Martin Herrmann

发明人： Mark Orttung ,  Jerome Chen ,  Anson Mah ,  Martin Herrmann

IPC分类号： G06Q30/00

CPC分类号： G06Q10/02 ,  G06Q10/06

摘要： A system and system to improving customer satisfaction in booking process. In one embodiment a system and method are described to determine the cause of the issue in procuring the service is and, based on a set of rules, offer the user a path to complete the procurement successfully. In one embodiment, a system and method are described to determine when a supplier is not available and queue requests until the supplier system is available again. In one embodiment, a system and method are described to actively manage the status of each account so that the user's transactions do not fail because of mis-configured or expired account configuration status.

摘要翻译： 提高订单流程中客户满意度的系统和系统。 在一个实施例中，描述了一种系统和方法，用于确定在采购服务中的问题的原因，并且基于一组规则向用户提供用于成功完成采购的路径。 在一个实施例中，描述了系统和方法以确定供应商什么时候不可用并且队列请求直到供应商系统再次可用。 在一个实施例中，描述了一种系统和方法来主动管理每个帐户的状态，使得用户的交易不会因配置错误或帐户配置状态过期而失败。

公开(公告)号：US20110184843A1

公开(公告)日：2011-07-28

申请号：US13045948

申请日：2011-03-11

申请人： Mark Orttung ,  René Lacerte

发明人： Mark Orttung ,  René Lacerte

IPC分类号： G06Q20/00 ,  G06Q30/00 ,  G06Q40/00

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

摘要： Enhanced systems and methods for processing invoices, payments, and money transfers are described. One aspect of the invention is a computer-implemented method (and corresponding system and computer program product) for making payments between a plurality of different payors and a plurality of different issuers through a payment system, comprising: retrieving a plurality of invoices issued by a plurality of different issuers and issued to a plurality of different payors; receiving a request from at least one of the plurality of different payors for making a payment to at least one of the plurality of different issuers in response to at least one of the plurality of invoices; and in response to receiving the request, making a payment from a bank account of said payors to a bank account of said issuer without disclosing the bank accounts.

摘要翻译： 描述了用于处理发票，付款和汇款的增强的系统和方法。 本发明的一个方面是一种计算机实现的方法（以及相应的系统和计算机程序产品），用于通过支付系统在多个不同的付款者和多个不同发行者之间进行支付，包括：检索由 多个不同的发行人，并发给多个不同的付款人; 响应于所述多个发票中的至少一个，接收来自所述多个不同付款者中的至少一个的请求以向所述多个不同发行者中的至少一个发送支付; 并且响应于接收到请求，从所述支付者的银行账户向所述发行者的银行账户进行支付，而不泄露所述银行账户。

公开(公告)号：US09226975B1

公开(公告)日：2016-01-05

申请号：US11027115

申请日：2004-12-30

申请人： Mark Orttung ,  Corey A. Billington

发明人： Mark Orttung ,  Corey A. Billington

IPC分类号： G06F21/00 ,  G06Q10/00 ,  A01K5/02 ,  G06Q30/00 ,  A61K48/00

CPC分类号： A61K48/00 ,  G06Q10/10 ,  G06Q10/109 ,  G06Q30/0283 ,  G06Q30/04

摘要： One embodiment of the invention includes a method and system to obtain data for fees and surcharges charged by multiple providers for multiple services based on prior interactions with the service providers, and provide an estimate for fees and surcharges to be charged by one of the service providers for one of the services based on the prior interactions with the service providers. In one embodiment, the fee data is extracted from one of electronic publishing of fees, billings for services rendered, and employee expense reports. In one embodiment, the estimated fees and surcharges include restricted access to a first subset of data to a first predetermined group.

摘要翻译： 本发明的一个实施例包括一种方法和系统，用于基于与服务提供商的先前交互来获得由多个服务提供商收取的用于多个服务的费用和附加费用的数据，并提供由服务提供商之一收取的费用和附加费用的估计 基于与服务提供商的先前交互的其中一项服务。 在一个实施例中，费用数据是从电子出版费，提供的服务账单和雇员费用报告中提取出来的。 在一个实施例中，估计的费用和附加费包括对第一预定组的数据的第一子集的限制访问。

公开(公告)号：US09141991B2

公开(公告)日：2015-09-22

申请号：US13274269

申请日：2011-10-14

申请人： Mark Orttung ,  Darren Linscott

发明人： Mark Orttung ,  Darren Linscott

IPC分类号： G06Q40/00 ,  G07F19/00 ,  H04M15/00 ,  G06Q40/02 ,  G06Q30/04 ,  G06Q20/10 ,  G06Q20/04

CPC分类号： G06Q40/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/145 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/10

摘要： A Software As A System (SAAS)-based system is disclosed herein for sending bills and payments in conjunction with a third-party accounting system. The system deploys a downloadable program interface to configure the third-party accounting system and then send and receive data between the two systems. The transmitted bills may contain an electronic signature, a line item billing, and/or other transaction-specific meta data, and, based on cash flow needs and outstanding bills, some or all customers may be offered a very substantial time-limited discount for immediate payment. Also, customers may use the line-item billing feature to withhold partial payments for specific issues attributed to specific items. Alternatively, a communication module between SAAS units (CSU) may be deployed to configure the third-party accounting system and then send and receive data between the two systems.

摘要翻译： 本文公开了一种基于系统软件（SAAS）的系统，用于与第三方会计系统一起发送账单和支付。 系统部署可下载的程序接口来配置第三方计费系统，然后在两个系统之间发送和接收数据。 所发送的票据可以包含电子签名，行项目计费和/或其他特定交易的元数据，并且基于现金流量需求和未清账单，可以为一些或全部客户提供非常大的时间限制折扣 立即付款 此外，客户可以使用订单项结算功能，以针对特定项目的特定问题扣除部分付款。 或者，可以部署SAAS单元（CSU）之间的通信模块来配置第三方计费系统，然后在两个系统之间发送和接收数据。

公开(公告)号：US07809615B2

公开(公告)日：2010-10-05

申请号：US12060091

申请日：2008-03-31

申请人： Tommy Hui ,  Rene Lacerte ,  Mark Orttung

发明人： Tommy Hui ,  Rene Lacerte ,  Mark Orttung

IPC分类号： G07F19/00 ,  H04M15/00 ,  G06Q40/00

CPC分类号： G06Q30/04 ,  G06Q10/067 ,  G06Q20/102

摘要： The recognition of invoices for multiple issuers and multiple recipients is automated. In one approach, many invoices are received. The received invoices are compared to a database of distinguishing features. These distinguishing features are for known templates of invoices from different issuers. Templates are selected for the invoices based on the comparisons to the distinguishing features. This also identifies the issuers for the invoices. Data is extracted from the invoices based on the selected templates. In this way, invoice capture can be automated.

摘要翻译： 多个发行人和多个收件人的发票的识别是自动的。 在一种方法中，收到许多发票。 收到的发票与区分特征的数据库进行比较。 这些区别特征是来自不同发行者的已知发票模板。 基于与区别特征的比较，为发票选择模板。 这也标识发票的发票人。 根据所选择的模板从发票中提取数据。 以这种方式，发票捕获可以自动化。

公开(公告)号：US20090198599A1

公开(公告)日：2009-08-06

申请号：US12060091

申请日：2008-03-31

申请人： Tommy Hui ,  Rene Lacerte ,  Mark Orttung

发明人： Tommy Hui ,  Rene Lacerte ,  Mark Orttung

IPC分类号： G06Q30/00

CPC分类号： G06Q30/04 ,  G06Q10/067 ,  G06Q20/102

摘要： The recognition of invoices for multiple issuers and multiple recipients is automated. In one approach, many invoices are received. The received invoices are compared to a database of distinguishing features. These distinguishing features are for known templates of invoices from different issuers. Templates are selected for the invoices based on the comparisons to the distinguishing features. This also identifies the issuers for the invoices. Data is extracted from the invoices based on the selected templates. In this way, invoice capture can be automated.

摘要翻译： 多个发行人和多个收件人的发票的识别是自动的。 在一种方法中，收到许多发票。 收到的发票与区分特征的数据库进行比较。 这些区别特征是来自不同发行者的已知发票模板。 基于与区别特征的比较，为发票选择模板。 这也标识发票的发票人。 根据所选择的模板从发票中提取数据。 以这种方式，发票捕获可以自动化。

公开(公告)号：US10043201B2

公开(公告)日：2018-08-07

申请号：US13046335

申请日：2011-03-11

申请人： Rene Lacerte ,  Mark Orttung ,  Eric Chan ,  Robert S. Lam

发明人： Rene Lacerte ,  Mark Orttung ,  Eric Chan ,  Robert S. Lam

IPC分类号： G06Q30/04 ,  G06Q20/04 ,  G06Q20/14 ,  G06Q40/00 ,  G06Q20/10 ,  G06Q40/02

摘要： Enhanced systems and methods for processing invoices, payments, and money transfers are described. One aspect of the invention is a computer-implemented method (and corresponding system and computer program product) for inviting an entity to open an account at a billing and payment system, the method comprising: issuing a check payable to the entity, wherein a checkbox for opening an account at the billing and payment system is printed on an endorsement section of the check along with a reference to additional information regarding additional information related to the account opening; receiving an image of the endorsement section of the check after the check is cleared; determining whether the checkbox is checked in the image; and responsive to a determination that the checkbox is checked, opening an account for the entity at the billing and payment system.

公开(公告)号：US08738483B2

公开(公告)日：2014-05-27

申请号：US13087215

申请日：2011-04-14

申请人： Mark Orttung ,  Rene Lacerte ,  Eric Chan ,  Robert S. Lam

发明人： Mark Orttung ,  Rene Lacerte ,  Eric Chan ,  Robert S. Lam

IPC分类号： G07F19/00 ,  H04M15/00 ,  G06Q40/00 ,  G06Q30/04 ,  G06Q20/10 ,  G06Q40/02 ,  G06Q20/04

CPC分类号： G06Q30/04 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/14 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/10

摘要： Enhanced systems and methods for processing invoices, payments, and money transfers are described. One aspect of the invention is a computer-implemented method (and corresponding system and computer program product) for inviting an entity to open an account at a billing and payment system, the method comprising: receiving from a first entity an instruction to invite a second entity to open an account at the payment system, the first entity having an account with the payment system; receiving from the first entity a security question and an answer to the security question to accompany the invitation; transmitting to the second entity the invitation along with the security question; receiving from the second entity an acceptance of the invitation along with an answer to the security question; verifying the acceptance by comparing the answer received from the second entity to the answer received from the first entity; responsive to the two answers match, determining the acceptance verified and opening an account for the second entity; and creating a link between the accounts of the two entities for the purpose of sharing invoice information, making electronic payments, transmitting remittance information, and maintaining basic information about the invitor and invitee.

摘要翻译： 描述了用于处理发票，付款和汇款的增强的系统和方法。 本发明的一个方面是一种计算机实现的方法（以及相应的系统和计算机程序产品），用于邀请实体在计费和支付系统上打开一个帐户，该方法包括：从第一实体接收邀请第二个 实体在支付系统上开立账户，第一实体具有与支付系统的账户; 从第一个实体收到一个安全问题，并附上邀请的安全问题的答复; 向第二实体转交邀请以及安全问题; 从第二实体接收邀请以及对安全问题的答复; 通过将从第二实体接收的答案与从第一实体接收到的答案进行比较来验证接受; 响应两个答案匹配，确定接受验证并为第二个实体开立帐户; 并在两个实体的帐户之间创建一个链接，以共享发票信息，进行电子支付，传输汇款信息，以及维护关于邀请者和被邀请者的基本信息。

公开(公告)号：US20130239185A1

公开(公告)日：2013-09-12

申请号：US13517503

申请日：2012-06-13

申请人： Mark Orttung ,  Darren Linscott

发明人： Mark Orttung ,  Darren Linscott

IPC分类号： G06F21/00

CPC分类号： G06Q20/4014 ,  G06F21/40 ,  G06Q20/4016 ,  G06Q50/01 ,  H04L63/08

摘要： Login credentials for at least one website, such as a social networking website, are received from a user purporting to act on behalf of an entity, for example, in the context of registering the entity with a system for electronic bill payment. Social data relating to the entity is retrieved from the websites using the login credentials. The social data comprises a plurality of social connections, each reflecting a respective relationship between the entity and a respective third party. A plurality of relevant social connections comprising at least a subset of the plurality of social connections is determined, each social connection of the plurality of relevant social connections reflecting a relationship to a respective third party that is deemed to be reliable. A reliability rating of the entity is then determined based on the plurality of relevant social connections.

摘要翻译： 至少一个网站（例如社交网站）的登录凭证从用户代表一个实体接收，例如在用电子账单支付系统注册该实体的上下文中。 使用登录凭据从网站检索与该实体相关的社会数据。 社交数据包括多个社交连接，每个社交连接各自反映实体和相应的第三方之间的相应关系。 确定包括多个社交连接的至少一个子集的多个相关的社会关系，所述多个相关社会关系的每个社会关系反映与被认为是可靠的相应第三方的关系。 然后基于多个相关的社会连接来确定实体的可靠性等级。