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：US08521626B1

公开(公告)日：2013-08-27

申请号：US12483723

申请日：2009-06-12

申请人： Mark Orttung ,  Rene Lacerte

发明人： Mark Orttung ,  Rene Lacerte

IPC分类号： G07F19/00 ,  G07F7/10 ,  H04M15/00 ,  G06Q40/00

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

摘要： Enhanced systems and methods for processing invoices, checks, and money transfers are described. Various aspects include the following: Invoices are compared to distinguishing features of known templates. Templates of matching features are used to extract data in the invoices. Enhanced payment documents are generated to include images of related invoices to ensure proper deposit. Payee information solicited from a payee is printed on an endorsement section of a check payable to the payee to ensure proper deposit. The payee information can be verified through a mock transaction. Unique invoice numbers and payor numbers are included in invoices to ensure proper accreditation of payments of the invoices. Money transfers among accounts of different banks are effected through master accounts in the different banks.

摘要翻译： 描述了用于处理发票，支票和汇款的增强的系统和方法。 各方面包括以下内容：将发票与已知模板的区别特征进行比较。 匹配功能的模板用于提取发票中的数据。 生成增强的付款凭证以包括相关发票的图像，以确保妥善存款。 从收款人索取的收款人资料印在支付给收款人的支票的背书部分，以确保妥善存款。 收款人信息可以通过模拟交易进行验证。 发票中包含独一无二的发票编号和付款人编号，以确保发票付款正确。 不同银行账户之间的汇款通过不同银行的账户进行。

公开(公告)号：US20110196786A1

公开(公告)日：2011-08-11

申请号：US13087219

申请日：2011-04-14

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： G06Q40/00

CPC分类号： G06Q30/04 ,  G06Q20/102

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 determining trustworthiness and familiarity of entities for a billing and payment system, the method comprising: categorizing entities into the following four categories based on their trustworthiness and familiarity to the billing and payment system: (1) a first zone for well-known and trusted entities, (2) a second zone for entities that are familiar but not well-known or not as trusted, (3) a third zone for entities that are new to the billing and payment system, and (4) a fourth zone for other entities; re-categorizing entities based at least on their payment transactions made through the billing and payment system during the time they are with the billing and payment system; and treating the entities of different categories differently according to their categories.

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用于确定计费和支付系统的实体的可信度和熟悉度的计算机实现的方法（以及相应的系统和计算机程序产品），所述方法包括：基于其可信赖性将实体分类为以下四个类别， 熟悉计费和支付系统：（1）知名和受信任实体的第一个区域，（2）熟悉但不知名或不被信任的实体的第二个区域，（3）第三个区域 新计费和支付系统的实体，（4）其他实体的第四个区域; 至少根据在结算和支付系统的时间内通过计费和支付系统进行的支付交易重新分类实体; 并根据不同类别对不同类别的实体进行不同的处理。

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：US20140129431A1

公开(公告)日：2014-05-08

申请号：US12363647

申请日：2009-01-30

申请人： Mark Orttung ,  Rene Lacerte

发明人： Mark Orttung ,  Rene Lacerte

IPC分类号： G06Q30/00

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

摘要： Enhanced systems and methods for processing invoices, checks, and money transfers are described. Various aspects include the following: Invoices are compared to distinguishing features of known templates. Templates of matching features are used to extract data in the invoices. Enhanced payment documents are generated to include images of related invoices to ensure proper deposit. Payee information solicited from a payee is printed on an endorsement section of a check payable to the payee to ensure proper deposit. The payee information can be verified through a mock transaction. Unique invoice numbers and payor numbers are included in invoices to ensure proper accreditation of payments of the invoices. Money transfers among accounts of different banks are effected through master accounts in the different banks.

摘要翻译： 描述了用于处理发票，支票和汇款的增强的系统和方法。 各方面包括以下内容：将发票与已知模板的区别特征进行比较。 匹配功能的模板用于提取发票中的数据。 生成增强的付款凭证以包括相关发票的图像，以确保妥善存款。 从收款人索取的收款人资料印在支付给收款人的支票的背书部分，以确保妥善存款。 收款人信息可以通过模拟交易进行验证。 发票中包含独一无二的发票编号和付款人编号，以确保发票付款正确。 不同银行账户之间的汇款通过不同银行的账户进行。

公开(公告)号：US20110196771A1

公开(公告)日：2011-08-11

申请号：US13087215

申请日：2011-04-14

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： 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: 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：US07809616B1

公开(公告)日：2010-10-05

申请号：US12483740

申请日：2009-06-12

申请人： Mark Orttung ,  Rene Lacerte

发明人： Mark Orttung ,  Rene Lacerte

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

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

摘要： Enhanced systems and methods for processing invoices, checks, and money transfers are described. Various aspects include the following: Invoices are compared to distinguishing features of known templates. Templates of matching features are used to extract data in the invoices. Enhanced payment documents are generated to include images of related invoices to ensure proper deposit. Payee information solicited from a payee is printed on an endorsement section of a check payable to the payee to ensure proper deposit. The payee information can be verified through a mock transaction. Unique invoice numbers and payor numbers are included in invoices to ensure proper accreditation of payments of the invoices. Money transfers among accounts of different banks are effected through master accounts in the different banks.

摘要翻译： 描述了用于处理发票，支票和汇款的增强的系统和方法。 各方面包括以下内容：将发票与已知模板的区别特征进行比较。 匹配功能的模板用于提取发票中的数据。 生成增强的付款凭证以包括相关发票的图像，以确保妥善存款。 从收款人索取的收款人资料印在支付给收款人的支票的背书部分，以确保妥善存款。 收款人信息可以通过模拟交易进行验证。 发票中包含独一无二的发票编号和付款人编号，以确保发票付款正确。 不同银行账户之间的汇款通过不同银行的账户进行。