公开(公告)号：US20070265960A1

公开(公告)日：2007-11-15

申请号：US11710247

申请日：2007-02-23

申请人： Asheesh Advani ,  Grant C. Brown ,  Michael D. Michaud ,  Andrew T. Michel ,  Daniel M. Narahara

发明人： Asheesh Advani ,  Grant C. Brown ,  Michael D. Michaud ,  Andrew T. Michel ,  Daniel M. Narahara

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/025

摘要： A computer method for automating person-to-person lending comprises receiving from a user over a computer network at least one custom periodic payment amount for a loan period of a person-to-person loan; generating a custom loan schedule based on the custom amount; and transmitting the custom loan schedule over the computer network to the user. A further method comprises receiving from a first user over a computer network a request to modify at least one specific periodic payment amount for a loan period of a pre-existing person-to-person loan; receiving from a second user a consent to the first user's request; and generating a revised loan schedule for the loan based on the request to modify the payment amount. Another method comprises retrieving from a database loan history data for a person-to-person loan; and transmitting the loan history data to a credit reporting agency over a computer network.

摘要翻译： 一种用于自动化人对人贷款的计算机方法包括：通过计算机网络从用户接收至少一个个人到个人贷款的贷款期间的定期定期支付金额; 根据定制金额生成定制贷款计划; 并将计算机网络上的定制贷款计划传送给用户。 另一种方法包括：从计算机网络上的第一用户接收对先前存在的个人贷款期限的贷款期限修改至少一个特定定期支付金额的请求; 从第二用户接收对第一用户请求的同意; 并根据修改付款金额的请求，为贷款生成经修订的贷款安排。 另一种方法包括从数据库中获取贷款历史数据以获得个人对个人贷款; 并通过计算机网络将贷款历史数据传送给信用报告机构。

公开(公告)号：US06915268B2

公开(公告)日：2005-07-05

申请号：US09915301

申请日：2001-07-27

申请人： Glenn E. Riggs ,  John H. Kivela ,  Robert H. Shellman ,  Joseph F. Rocky, Jr. ,  Stanley M. Bainor ,  Ralph K. Brechter ,  Douglas L. Clark ,  James R. Clark ,  Jon L. Clow ,  Amy Daley ,  Larry Hu ,  Louis F. Indelicato ,  William J. Lohan ,  Michael M. Naughton ,  Peter P. Nelson ,  Alan D. Shollenberger ,  M. Nadine Willett ,  Doug Johnston ,  Donald H. Mueller ,  Michael D. Michaud ,  Robert Phaneuf ,  Joseph J. Bainor

发明人： Glenn E. Riggs ,  John H. Kivela ,  Robert H. Shellman ,  Joseph F. Rocky, Jr. ,  Stanley M. Bainor ,  Ralph K. Brechter ,  Douglas L. Clark ,  James R. Clark ,  Jon L. Clow ,  Amy Daley ,  Larry Hu ,  Louis F. Indelicato ,  William J. Lohan ,  Michael M. Naughton ,  Peter P. Nelson ,  Alan D. Shollenberger ,  M. Nadine Willett ,  Doug Johnston ,  Donald H. Mueller ,  Michael D. Michaud ,  Robert Phaneuf ,  Joseph J. Bainor

IPC分类号： G06Q10/00 ,  G06Q30/00 ,  G06F17/60

CPC分类号： G06Q10/08 ,  G06Q10/0631 ,  G06Q10/06316 ,  G06Q10/06375 ,  G06Q10/0639 ,  G06Q10/083 ,  G06Q10/0833 ,  G06Q10/0834 ,  G06Q10/087 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q30/0201 ,  G06Q50/188

摘要： A logistics system manages the shipments of goods supplied from a plurality of different shippers by a plurality of carriers. It has a variety of modules integrated with each other to perform various functionalities. For example, it may have a purchasing module evaluating proposals by shippers for respective shipments of goods and awarding contracts for the shipments to the plurality of carriers. It may have an optimization module analyzing the proposals and informing the purchasing module if an opportunity exists for at least some of the shipments to be consolidated, in which case at least one contract awarded by the purchasing module is for a consolidated group of the shipments. It may have a contract administration module maintaining information relating to the status of proposals received and contracts awarded by the purchasing module. It may have a scheduling module scheduling shipments according to the awarded contracts. It may also have a shipment management module tracking the status of shipments awarded by the purchasing module and scheduled by said scheduling module. It may further have a financial module authorizing payments according to the status of shipments tracked by the shipment management module are passed between first and second asynchronous clock domains.

摘要翻译： 物流系统管理由多个承运人从多个不同托运人提供的货物的运输。 它具有各种模块相互集成以执行各种功能。 例如，它可能有一个采购模块来评估托运人对各货物运输的提案，并向多个承运人发运货物合同。 可能有一个优化模块来分析提案，并通知采购模块是否存在至少一些货物合并的机会，在这种情况下，采购模块授予的至少一个合同是针对合并的出货组合。 它可能有一个合同管理模块来维护有关收到的提案的状态和购买模块授予的合同的信息。 可能有一个调度模块根据授予的合同安排出货。 还可以具有跟踪由购买模块授予并由所述调度模块调度的货物状态的装运管理模块。 还可以有一个财务模块根据货物管理模块跟踪的运输状态来授权付款，在第一和第二异步时钟域之间传递。

公开(公告)号：US20120036072A1

公开(公告)日：2012-02-09

申请号：US13178119

申请日：2011-07-07

申请人： Glenn E. Riggs ,  John H. Kivela ,  Robert H. Shellman ,  Joseph F. Rocky, JR. ,  Stanley M. Bainor ,  Ralph K. Brechter ,  Douglas L. Clark ,  James R. Clark ,  Jon L. Clow ,  Amy Daley ,  Larry Hu ,  Louis F. Indelicato ,  William J. Lohan ,  Michael M. Naughton ,  Peter P. Nelson ,  Alan D. Shollenberger ,  M. Nadine Willett ,  Doug Johnston ,  Donald H. Mueller ,  Michael D. Michaud ,  Robert Phaneuf ,  Joseph J. Bainor

发明人： Glenn E. Riggs ,  John H. Kivela ,  Robert H. Shellman ,  Joseph F. Rocky, JR. ,  Stanley M. Bainor ,  Ralph K. Brechter ,  Douglas L. Clark ,  James R. Clark ,  Jon L. Clow ,  Amy Daley ,  Larry Hu ,  Louis F. Indelicato ,  William J. Lohan ,  Michael M. Naughton ,  Peter P. Nelson ,  Alan D. Shollenberger ,  M. Nadine Willett ,  Doug Johnston ,  Donald H. Mueller ,  Michael D. Michaud ,  Robert Phaneuf ,  Joseph J. Bainor

IPC分类号： G06Q10/00 ,  G06Q40/00

CPC分类号： G06Q10/08 ,  G06Q10/0631 ,  G06Q10/06316 ,  G06Q10/06375 ,  G06Q10/0639 ,  G06Q10/083 ,  G06Q10/0833 ,  G06Q10/0834 ,  G06Q10/087 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q30/0201 ,  G06Q50/188

摘要： A logistics system manages the shipments of goods supplied from a plurality of different shippers by a plurality of carriers. It has a variety of modules integrated with each other to perform various functionalities. For example, it may have a purchasing module evaluating proposals by shippers for respective shipments of goods and awarding contracts for the shipments to the plurality of carriers. It may have an optimization module analyzing the proposals and informing the purchasing module if an opportunity exists for at least some of the shipments to be consolidated, in which case at least one contract awarded by the purchasing module is for a consolidated group of the shipments. It may have a contract administration module maintaining information relating to the status of proposals received and contracts awarded by the purchasing module. It may have a scheduling module scheduling shipments according to the awarded contracts. It may also have a shipment management module tracking the status of shipments awarded by the purchasing module and scheduled by said scheduling module. It may further have a financial module authorizing payments according to the status of shipments tracked by the shipment management module are passed between first and second asynchronous clock domains.

摘要翻译： 物流系统管理由多个承运人从多个不同托运人提供的货物的运输。 它具有各种模块相互集成以执行各种功能。 例如，它可能有一个采购模块来评估托运人对各货物运输的提案，并向多个承运人发运货物合同。 可能有一个优化模块来分析提案，并通知采购模块是否存在至少一些货物合并的机会，在这种情况下，采购模块授予的至少一个合同是针对合并的出货组合。 它可能有一个合同管理模块来维护有关收到的提案的状态和购买模块授予的合同的信息。 可能有一个调度模块根据授予的合同安排出货。 还可以具有跟踪由购买模块授予并由所述调度模块调度的货物状态的装运管理模块。 还可以有一个财务模块根据货物管理模块跟踪的运输状态来授权付款，在第一和第二异步时钟域之间传递。