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：US20110184868A1

公开(公告)日：2011-07-28

申请号：US13046335

申请日：2011-03-11

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

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

IPC分类号： G06Q40/00

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: 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.

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：发出应付给该实体的支票，其中一个复选框 在开票和支付系统上开立账户，打印在支票的背书部分，以及关于与开户相关的额外信息的附加信息的参考; 在支票清算后接收支票的背书部分的图像; 确定是否在图像中检查复选框; 并且响应于确定该复选框被检查，在计费和支付系统处开立该实体的帐户。