公开(公告)号：US20090024500A1

公开(公告)日：2009-01-22

申请号：US12038273

申请日：2008-02-27

申请人： Alan Kay ,  Roy Hatfield ,  David Stone

发明人： Alan Kay ,  Roy Hatfield ,  David Stone

IPC分类号： G06Q40/00

CPC分类号： G06Q40/06 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/04

摘要： A method and system for settling a transaction with trade credit value which makes use of computer hardware and software, allows Members of a trade credit settlement system to transfer electronic instruments, called trade credits, in exchange for goods and services. These trade credits are effectively electronic bills of exchange that are divisible, transferable, discountable, continuously available and have been credit-enhanced to A/P1 status. Sponsors facilitate the system by registering buyers and suppliers as Members in the system and offering them operational accounts and drawdown accounts with authorized lines of credit. A Member-buyer approves the purchase invoice of a Member-supplier and authorizes the Sponsor to transfer trade credit value from the Member-buyer's operational and/or drawdown account into the operational account of the Member-supplier. The trade credit value received by the Member-supplier can be held in the Member-supplier's operational account until it matures, or discount it to cash before it matures, or transfer it to other Members for the purchase of goods or services.

摘要翻译： 利用计算机硬件和软件解决具有贸易信用价值的交易的方法和系统，允许贸易信贷结算系统的成员转让称为贸易信贷的电子工具，以换取商品和服务。 这些贸易信贷实际上是电子汇票，是可分割的，可转让的，可折扣的，不断提供的，并已被信用增强为A / P1状态。 赞助商通过将买家和供应商作为会员登记在系统中来为系统提供便利，并向其提供具有授权信用额度的运营账户和提取账户。 会员买家批准会员供应商的采购发票，并授权赞助商将会员 - 买方的经营和/或提取账户的贸易信用额度转移到会员供应商的营业账户。 会员供应商收到的贸易信用额度可以在成员供应商的业务账户中持有，直到成熟为止，或者在成熟前将其折现到现金，或者将其转移给其他会员购买商品或服务。

公开(公告)号：US07340433B1

公开(公告)日：2008-03-04

申请号：US09626838

申请日：2000-07-27

申请人： Alan Kay ,  Roy Hatfield ,  David Stone

发明人： Alan Kay ,  Roy Hatfield ,  David Stone

IPC分类号： G06Q40/06

CPC分类号： G06Q40/06 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/04

摘要： A method and system for settling a transaction with trade credit value which makes use of computer hardware and software, allows Members of a trade credit settlement system to transfer electronic instruments, called trade credits, in exchange for goods and services. These trade credits are effectively electronic bills of exchange that are divisible, transferable, discountable, continuously available and have been credit-enhanced to A1/P1 status. Sponsors facilitate the system by registering buyers and suppliers as Members in the system and offering them operational accounts and drawdown accounts with authorized lines of credit. A Member-buyer approves the purchase invoice of a Member-supplier and authorizes the Sponsor to transfer trade credit value from the Member-buyer's operational and/or drawdown account into the operational account of the Member-supplier. The trade credit value received by the Member-supplier can be held in the Member-supplier's operational account until it matures, or discount it to cash before it matures, or transfer it to other Members for the purchase of goods or services.

摘要翻译： 利用计算机硬件和软件解决具有贸易信用价值的交易的方法和系统，允许贸易信贷结算系统的成员转让称为贸易信贷的电子工具，以换取商品和服务。 这些贸易信贷实际上是可分割的，可转让的，可折扣的，持续可用的电子汇票，并已被信用增强为A1 / P1状态。 赞助商通过将买家和供应商作为会员登记在系统中来为系统提供便利，并向其提供具有授权信用额度的运营账户和提取账户。 会员买家批准会员供应商的采购发票，并授权赞助商将会员 - 买方的经营和/或提取账户的贸易信用额度转移到会员供应商的营业账户。 会员供应商收到的贸易信用额度可以在成员供应商的业务账户中持有，直到成熟为止，或者在成熟前将其折现到现金，或者将其转移给其他会员购买商品或服务。