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公开(公告)号：US20130332352A1
公开(公告)日：2013-12-12
申请号：US13964887
申请日：2013-08-12
IPC分类号： G06Q20/10
CPC分类号： G06Q20/102 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/14 , G06Q20/28 , G06Q20/40 , G06Q30/04 , G06Q40/00 , G06Q40/02
摘要： A method for the online modification, submission and approval processing of a future payment request to afford a user the ability to renegotiate established loan agreement debt terms in which network communications are established between a user, such as a debtor, and a computing device, such as a server or server arrangement, is presented. The method comprises receiving information, at the computing device, regarding the loan agreement debt terms, presenting received information to a debtor, providing an interactive environment enabling a debtor to modify existing terms, submitting modified terms, processing data from the available information using a rules based engine, and processing a future payment request based on at least one decision made by the rules based engine. While online, the user/debtor may engage in revising a rejected future payment request in an attempt to reach a satisfactory renegotiation of debt terms.
摘要翻译： 一种在线修改，提交和批准处理未来付款请求的方法，以使用户能够重新协商在用户（例如债务人）和计算设备之间建立网络通信的已建立的贷款协议债务条款，例如 作为服务器或服务器布置。 该方法包括在计算设备处接收关于贷款协议债务条款的信息，将收到的信息提供给债务人，提供使债务人能够修改现有条款的交互环境，提交修改的条款，使用规则从可用信息处理数据 并且基于基于规则的引擎的至少一个决定来处理未来的支付请求。 在线时，用户/债务人可能会修改被拒绝的未来付款请求，试图达成令人满意的重新谈判债务条款。
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公开(公告)号：US20130325695A1
公开(公告)日：2013-12-05
申请号：US13964464
申请日：2013-08-12
IPC分类号： G06Q20/10
CPC分类号： G06Q40/025 , G06Q20/10 , G06Q20/102 , G06Q40/00 , G06Q40/02 , G06Q50/18
摘要： A method for the online settling of a transaction in which network communications are established between a user, such as a debtor, and a computing device is presented. The method comprises receiving information, at the computing device, regarding the transaction, seeking available information pertinent to the transaction from at least one source external to the computing device and the user, processing data from the available information using a rules based engine including rules established on behalf of a party to the transaction located at the computing device, and presenting a transaction settlement offer set to the user based on at least one decision made by the rules based engine. While online, the user/debtor may accept one of the offers or engage in further approved negotiation of other offers.
摘要翻译： 提出了在用户（例如债务人）和计算设备之间建立网络通信的在线结算的方法。 该方法包括在计算设备处接收关于交易的信息，从计算设备和用户外部的至少一个源寻找与交易有关的可用信息，使用基于规则的引擎来包括已经建立的规则来处理来自可用信息的数据 代表位于计算设备处的交易的一方，并且基于由基于规则的引擎做出的至少一个决定，向用户呈现交易结算报价。 在线时，用户/债务人可以接受其中一项要约，或者进一步批准其他优惠的谈判。
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3.发明申请System and Method for Resolving Transactions with Variable Offer Parameter Selection Capabilities 审中-公开用可变提供参数选择能力解决交易的系统和方法公开(公告)号：US20130091077A1
公开(公告)日：2013-04-11
申请号：US13686390
申请日：2012-11-27
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/4016 , G06Q40/02
摘要： A system and method for the online settling of a transaction is provided. The system includes a server arrangement configured to determine a set of curves or planes defining acceptable settlement conditions for the financial transaction, enabling the user to select an acceptable settlement condition using interactive controls or computer implemented controls engageable by the user, such as sliding selectors or rotatable dials or the like, or controls enabling placement of points on a curve or curves.
摘要翻译： 提供了一种在线结算交易的系统和方法。 该系统包括被配置为确定一组曲线或平面的服务器装置，该组曲线或平面定义用于金融交易的可接受的结算条件，使得用户能够使用交互式控制或由用户接合的计算机实现的控制来选择可接受的结算条件，诸如滑动选择器或 可旋转刻度盘等，或控制使得能够在曲线或曲线上放置点。
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公开(公告)号：US08407138B2
公开(公告)日：2013-03-26
申请号：US13199801
申请日：2011-09-09
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q20/10 , G06Q20/102 , G06Q40/00 , G06Q40/02 , G06Q50/18
摘要： An apparatus for resolving a debt transaction is provided. The apparatus includes a server having means for contacting the debtor by transmitting a communication to the debtor using one of a number of available communication channels, a credit information seeking module configured to obtain information from a financial information source other than the server and the debtor, and a rules based decision module configured to analyze information to determine a potential resolution strategy for the debt transaction comprising a transaction settlement offer based on creditworthiness of the debtor based on rules established by the creditor. The server is configured to provide the debtor with the transaction settlement offer, and to attempt to obtain agreement from the debtor to settle the debt transaction based on the at least one transaction settlement offer, and process at least a portion of a payment.
摘要翻译： 提供了解决债务交易的设备。 该装置包括一种服务器，其具有用于通过使用多个可用通信信道之一向债务人发送通信来与债务人联系的信息;信用信息查询模块，被配置为从服务器和债务人以外的财务信息源获取信息， 以及基于规则的决策模块，其被配置为基于债权人建立的规则来分析信息以确定债务交易的潜在解决策略，其包括基于债务人的信誉的交易结算报价。 服务器被配置为向债务人提供交易结算报价，并且尝试根据至少一个交易结算报价从债务人获得协议以结算债务交易，并处理至少一部分支付。
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5.发明授权System and method for resolving transactions with lump sum payment capabilities 失效用一次总付支付能力解决交易的制度和方法公开(公告)号：US08694390B2
公开(公告)日：2014-04-08
申请号：US12657222
申请日：2010-01-15
CPC分类号： G06Q40/025 , G06Q20/027 , G06Q20/10 , G06Q20/102 , G06Q30/04 , G06Q30/0603 , G06Q30/0611 , G06Q40/00 , G06Q40/02 , G06Q40/12 , H04L9/3297 , H04L63/04
摘要： A system and method for the online settling of a transaction is provided. The system includes a server having a rules based engine including rules established on behalf of a party to the transaction, such as a creditor. The rules based engine is configured to process data and present a transaction settlement offer set comprising a plurality of selectable offers to the user based on at least one decision made by the rules based engine. The server is further configured to receive a lump sum payment proposal from the user and to use the rules based engine to process information comprising the lump sum payment proposal and present a second transaction settlement offer set to the user based at least in part on the lump sum payment proposal from the user.
摘要翻译： 提供了一种在线结算交易的系统和方法。 该系统包括具有基于规则的引擎的服务器，其包括代表交易的一方建立的规则，例如债权人。 基于规则的引擎被配置为基于由基于规则的引擎做出的至少一个决定来处理数据并向用户呈现包括多个可选择的提议的交易结算报价集合。 服务器还被配置为从用户接收一次总付支付方案，并且使用基于规则的引擎来处理包括一次总付支付方案的信息并且至少部分地基于块来呈现第二交易结算报价集合给用户 来自用户的付款方案。
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公开(公告)号：US20120136774A1
公开(公告)日：2012-05-31
申请号：US13199801
申请日：2011-09-09
IPC分类号： G06Q40/02
CPC分类号： G06Q40/025 , G06Q20/10 , G06Q20/102 , G06Q40/00 , G06Q40/02 , G06Q50/18
摘要： An apparatus for resolving a debt transaction is provided. The apparatus includes a server having means for contacting the debtor by transmitting a communication to the debtor using one of a number of available communication channels, a credit information seeking module configured to obtain information from a financial information source other than the server and the debtor, and a rules based decision module configured to analyze information to determine a potential resolution strategy for the debt transaction comprising a transaction settlement offer based on creditworthiness of the debtor based on rules established by the creditor. The server is configured to provide the debtor with the transaction settlement offer, and to attempt to obtain agreement from the debtor to settle the debt transaction based on the at least one transaction settlement offer, and process at least a portion of a payment.
摘要翻译： 提供了解决债务交易的设备。 该装置包括一种服务器，其具有用于通过使用多个可用通信信道之一向债务人发送通信来与债务人联系的信息;信用信息查询模块，被配置为从服务器和债务人以外的财务信息源获取信息， 以及基于规则的决策模块，其被配置为基于债权人建立的规则来分析信息以确定债务交易的潜在解决策略，其包括基于债务人的信誉的交易结算报价。 服务器被配置为向债务人提供交易结算报价，并且尝试根据至少一个交易结算报价从债务人获得协议以结算债务交易，并处理至少一部分支付。
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公开(公告)号：US08825544B2
公开(公告)日：2014-09-02
申请号：US13964464
申请日：2013-08-12
CPC分类号： G06Q40/025 , G06Q20/10 , G06Q20/102 , G06Q40/00 , G06Q40/02 , G06Q50/18
摘要： A method for the online settling of a transaction in which network communications are established between a user, such as a debtor, and a computing device is presented. The method comprises receiving information, at the computing device, regarding the transaction, seeking available information pertinent to the transaction from at least one source external to the computing device and the user, processing data from the available information using a rules based engine including rules established on behalf of a party to the transaction located at the computing device, and presenting a transaction settlement offer set to the user based on at least one decision made by the rules based engine. While online, the user/debtor may accept one of the offers or engage in further approved negotiation of other offers.
摘要翻译： 提出了在用户（例如债务人）和计算设备之间建立网络通信的在线结算的方法。 该方法包括在计算设备处接收关于交易的信息，从计算设备和用户外部的至少一个源寻找与交易有关的可用信息，使用基于规则的引擎来包括已经建立的规则来处理来自可用信息的数据 代表位于计算设备处的交易的一方，并且基于由基于规则的引擎做出的至少一个决定，向用户呈现交易结算报价。 在线时，用户/债务人可以接受其中一项要约，或者进一步批准其他优惠的谈判。
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8.发明申请SYSTEM AND METHOD FOR RESOLVING TRANSACTIONS USING WEIGHTED SCORING TECHNIQUES 审中-公开使用加权分级技术来解决交易的系统和方法公开(公告)号：US20130332351A1
公开(公告)日：2013-12-12
申请号：US13964502
申请日：2013-08-12
IPC分类号： G06Q20/10
CPC分类号： G06Q20/102 , G06Q10/10 , G06Q40/00 , G06Q40/02 , G06Q40/12
摘要： A system and method for the online settling of a transaction is provided. The system includes a computing device, such as a server or server arrangement, having a rules configured to process available data regarding the debtor party using rules established on behalf of the party to the financial transaction and weighting factors accorded to selected available data related to the debtor party. The rules and weighting factors are employed to establish a transaction settlement offer set conveyable to the user and comprising multiple simultaneously presentable and individually selectable offers, each offer configured to settle the transaction on terms satisfactory to the party to the transaction.
摘要翻译： 提供了一种在线结算交易的系统和方法。 该系统包括诸如服务器或服务器装置的计算设备，其具有被配置为使用代表金融交易的一方建立的规则来处理关于债务人的可用数据的规则，以及与所选择的可用数据相关的加权因子 债务方 采用规则和加权因子来建立可交付给用户的交易结算报价集，并且包括多个可同时呈现和单独选择的报价，每个报价被配置成以对交易的一方满意的条件进行交易。
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9.发明申请SOFTWARE DEVELOPMENT AND DISTRIBUTION WORKFLOW EMPLOYING META-OBJECT TIME STAMPING 审中-公开使用META对象时间戳的软件开发和分配工作流公开(公告)号：US20130227526A1
公开(公告)日：2013-08-29
申请号：US13731590
申请日：2012-12-31
IPC分类号： G06F9/44
摘要： A method and system facilitating the development and distribution of software is provided. The system includes tracking revisions to elements of a database on the computing device by establishing time stamps for each stored element changed at a specified time, enabling a user to select an applicable time period comprising a beginning time point and an end time point, and assembling elements for execution based on time stamps limited to the selected applicable time period.
摘要翻译： 提供了一种促进软件开发和分发的方法和系统。 该系统包括通过为在指定时间改变的每个存储元件建立时间戳来跟踪计算设备上的数据库元素的修订，使得用户能够选择包括开始时间点和结束时间点的适用时间段，以及组装 基于限制到所选择的适用时间段的时间戳来执行的元素。
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10.发明授权公开(公告)号：US08504468B2
公开(公告)日：2013-08-06
申请号：US11256404
申请日：2005-10-19
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q20/10 , G06Q20/102 , G06Q40/00 , G06Q40/02 , G06Q50/18
摘要： A system and method for gathering information pertinent to a transaction for purposes of compiling an offer set of at least one offer for settling the transaction is presented. The design comprises a server configured to seek information, the server configured to seek at least one from a group comprising information related to personal data regarding a user, information related to account data regarding a user account, information related to macroeconomic data, and information related to the transaction. The server seeks all information from a source separate from the server and the user.
摘要翻译： 呈现用于收集与交易有关的信息的系统和方法，用于编译用于结算交易的至少一个报价的报价集合。 该设计包括：被配置为寻求信息的服务器，所述服务器被配置为从包括与用户有关的个人数据的信息的组中搜索至少一个，与用户帐户有关的帐户数据相关的信息，与宏观经济数据相关的信息以及与信息相关的信息 交易。 服务器从与服务器和用户分开的源中寻找所有信息。
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