公开(公告)号：US09413737B2

公开(公告)日：2016-08-09

申请号：US14157420

申请日：2014-01-16

申请人： Bill.com, Inc.

发明人： Mark Orttung ,  Darren Linscott

IPC分类号： H04L29/06 ,  G06Q20/40 ,  G06Q50/00 ,  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：US20150012442A1

公开(公告)日：2015-01-08

申请号：US14295942

申请日：2014-06-04

申请人： Bill.com, Inc.

发明人： Henrique Pedreira de Freitas Ceribelli ,  Eric Chan ,  Mark Orttung ,  Darren Linscott

IPC分类号： G06Q20/04

CPC分类号： G06Q20/1085 ,  G06Q20/042 ,  G06Q20/0425 ,  G06Q20/102

摘要： Embodiments of the present disclosure may be used to scan a check or other payment instrument into an image file and apply a credit to one or more invoices associated with the entity, such as invoices issued by a business partner of the entity originating the check. Where there are multiple invoices outstanding invoices, embodiments of the present disclosure can selectively apply credits to such invoices based on input from the entity and/or based on rules defining how such credit are to be applied to the invoices.

摘要翻译： 本公开的实施例可以用于将支票或其他支付工具扫描成图像文件，并将信用量应用于与该实体相关联的一个或多个发票，例如由发起支票的实体的业务伙伴发行的发票。 在存在多个发票未结清发票的情况下，本公开的实施例可以基于来自实体的输入和/或基于定义如何将这种信用证应用于发票的规则来选择性地将信用额应用于这种发票。

公开(公告)号：US20150012399A1

公开(公告)日：2015-01-08

申请号：US14189889

申请日：2014-02-25

申请人： Bill.com, Inc.

发明人： Henrique Pedreira de Freitas Ceribelli ,  Eric Chan ,  Mark Orttung ,  Darren Linscott

IPC分类号： G06Q30/04

CPC分类号： G06Q30/04 ,  G06Q40/12 ,  G06Q50/01

摘要： Among other things, embodiments of the present disclosure allow the management of rules used for the automatic processing and/or resolution of conflicts, particularly in billing systems and applications applying edits to database records from multiple accounting software applications.

摘要翻译： 除其他之外，本公开的实施例允许管理用于自动处理和/或解决冲突的规则，特别是在从多个会计软件应用程序对数据库记录进行编辑的计费系统和应用程序中。

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：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：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：US20150012422A1

公开(公告)日：2015-01-08

申请号：US14295921

申请日：2014-06-04

申请人： BILL.COM, INC.

发明人： Henrique Pedreira de Freitas Ceribelli ,  Eric Chan ,  Mark Orttung ,  Darren Linscott

IPC分类号： G06Q20/10

CPC分类号： G06Q20/1085 ,  G06Q20/042 ,  G06Q20/0425 ,  G06Q20/102

摘要： Embodiments of the present disclosure may be used to scan a check or other payment instrument into an image file and apply a credit to one or more invoices associated with the entity, such as invoices issued by a business partner of the entity originating the check. Where there are multiple invoices outstanding invoices, embodiments of the present disclosure can selectively apply credits to such invoices based on input from the entity and/or based on rules defining how such credit are to be applied to the invoices.

摘要翻译： 本公开的实施例可以用于将支票或其他支付工具扫描成图像文件，并将信用量应用于与该实体相关联的一个或多个发票，例如由发起支票的实体的业务伙伴发行的发票。 在存在多个发票未结清发票的情况下，本公开的实施例可以基于来自实体的输入和/或基于定义如何将这种信用证应用于发票的规则来选择性地将信用额应用于这种发票。

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。

公开(公告)号：US20130226798A1

公开(公告)日：2013-08-29

申请号：US13517509

申请日：2012-06-13

申请人： Mark Orttung ,  Darren Linscott

发明人： Mark Orttung ,  Darren Linscott

IPC分类号： G06Q20/10 ,  G06Q20/40

CPC分类号： G06Q20/027 ,  G06Q20/102 ,  G06Q20/405

摘要： An event that potentially relates to payments of an entity is detected by an electronic payment system. In response to detecting the event, automatically and without user intervention, a set of rules relating to the payments of the entity that relates to the event is retrieved, financial information relating to the set of rules relating is retrieved, a payment is determined based on the event, the set of rules and the financial information and the payment is effected. The rules may be user defined and stored in a rules database. The financial information may be drawn from the electronic payment system and/or websites of various service providers based on one or more rules. The payment may be scheduled for future execution, or may be executed immediately based on one or more rules.

摘要翻译： 可能与电子支付系统检测到与实体支付有关的事件。 响应于检测到事件，自动且无需用户干预，检索与事件相关的实体的付款相关的一组规则，检索与所述一组规则相关的财务信息，基于 该事件，一套规则和财务信息以及付款得到实施。 规则可以是用户定义的并存储在规则数据库中。 基于一个或多个规则，可以从电子支付系统和/或各种服务提供商的网站获取财务信息。 支付可以安排在将来执行，或者可以基于一个或多个规则立即执行。