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1. 发明授权

US07206768B1 Electronic multiparty accounts receivable and accounts payable system 有权
标题翻译：电子多方应收账款和应付账款系统
公开(公告)号：US07206768B1
公开(公告)日：2007-04-17
申请号：US09638560
申请日：2000-08-14
申请人： Bernard deGroeve , Jan Petroons , Christopher C. Hanan , A. Graham Bailey , Shreyas D. Gupta , Kevin Lawrence Mellyn , Matthew Saal , Morio Alexander , Craig Mondschein
发明人： Bernard deGroeve , Jan Petroons , Christopher C. Hanan , A. Graham Bailey , Shreyas D. Gupta , Kevin Lawrence Mellyn , Matthew Saal , Morio Alexander , Craig Mondschein
IPC分类号： G06Q99/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q30/04 , G06Q40/12
摘要： The invention concerns a multiparty accounts receivable and accounts payable system that allows business trading partners to use a single, shared system for both accounts receivable and accounts payable management. The system of the invention forms an electronic “bridge” between a plurality of business trading partners for purposes of invoicing, dispute resolution, financing, and settlement of single and multiple currency debts. As the invoicing and settlement activities of the participants are funneled through a common system, the system allows a participant to aggregate all debts owed to other participants, aggregate all debts owed by the other participants, and net debts owed to other participants with debts owed by these participants. After aggregation and netting, the participant issues a single payment to settle numerous accounts payable items, and receives a single payment that settles numerous accounts receivable items. The system allows participants to use the substantial amount of financial and cash flow information captured by the system to borrow more efficiently by permitting lenders to view this information. Furthermore, the system provides a confirmation process to convert existing debt obligations into a new, independent payment obligation due on a date certain and free of any defenses to the underlying contract. The confirmed debt obligations provide a better source of working capital for the participants, or can be converted into electronic promissory notes. The system provides an electronic exchange for electronic promissory notes, allowing participants to raise working capital in various ways, for example, by selling them.
摘要翻译：本发明涉及多方应收账款和应付账款系统，允许商业贸易伙伴对应收账款和应付账款管理使用单一共享系统。本发明的制度在多个商业贸易伙伴之间形成电子“桥梁”，用于发票，争议解决，融资和单一和多种货币债务的结算。由于参与者的发票和结算活动通过共同制度进行汇总，系统允许参与者将所有欠其他参与者的债务累计到其他参与者所欠的所有债务，以及欠其他参与者的债务净额，欠债这些参与者。汇总和净额结算后，参与者单笔支付结算多个应付账款，并收到一笔结算多个应收账款的支付单。该系统允许参与者使用系统捕获的大量财务和现金流量信息，通过允许贷方查看此信息更有效地借入。此外，该制度提供了确认程序，将现有债务义务转换为一项新的独立付款义务，该义务应在某一日期之前到期并且对基础合同没有任何抗辩。确认的债务为参与者提供更好的营运资金来源，或者转换为电子票据。该系统提供电子票据电子交易，让参与者以各种方式筹集营运资金，例如出售。

2. 发明授权

US07536354B1 Methods for electronic multiparty accounts receivable and accounts payable systems 有权
标题翻译：电子多方应收账款和应付账款系统的方法
公开(公告)号：US07536354B1
公开(公告)日：2009-05-19
申请号：US10160689
申请日：2002-06-04
申请人： Bernard deGroeve , Jan Petroons , Christopher C. Hanan , A. Graham Bailey , Shreyas D. Gupta , Kevin Lawrence Mellyn , Matthew Saal , Morio Alexander , Craig Mondschein
发明人： Bernard deGroeve , Jan Petroons , Christopher C. Hanan , A. Graham Bailey , Shreyas D. Gupta , Kevin Lawrence Mellyn , Matthew Saal , Morio Alexander , Craig Mondschein
IPC分类号： G06F17/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q30/04 , G06Q40/12
摘要： The invention concerns methods for use in a multiparty accounts receivable and accounts payable system that allow business trading partners to use a single, shared system for both accounts receivable and accounts payable management. A system implementing the methods of the invention forms an electronic “bridge” between a plurality of business trading partners for purposes of invoicing, dispute resolution, financing, and settlement of single and multiple currency debts. As the invoicing and settlement activities of the participants in the methods of the invention are funneled through a common system, the methods allows a participant to aggregate all debts owed to other participants, aggregate all debts owed by the other participants, and net debts owed to other participants with debts owed by these participants. After aggregation and netting steps, the methods of the present invention allow a participant to issue a single payment to settle numerous accounts payable items, and to receive a single payment that settles numerous accounts receivable items. The methods allow participants to use the substantial amount of financial and cash flow information captured by a system implementing the methods of the invention to borrow more efficiently by permitting lenders to view this information. Furthermore, the methods provide a confirmation process to convert existing debt obligations into a new, independent payment obligation due on a date certain and free of any defenses to the underlying contract. The confirmed debt obligations provide a better source of working capital for the participants, or can be converted into electronic promissory notes. The invention further provides methods for electronic exchange of electronic promissory notes, allowing participants to raise working capital in various ways, for example, by selling them.
摘要翻译：本发明涉及在多方应收账款和应付账款系统中使用的方法，允许商业贸易伙伴对应收账款和应付账款管理使用单一的共享系统。实施本发明的方法的系统在多个商业贸易伙伴之间形成电子“桥梁”，用于发票，争议解决，融资和单一和多种货币债务的结算。由于发明方法参与者的发票结算活动通过共同制度进行汇总，方法允许参与者将所有欠其他参与方的债务累计，汇总其他参与者欠下的所有债务以及欠下的债务净额其他参与者欠这些参与者的债务。在汇总和净额结算步骤之后，本发明的方法允许参与者发行一笔付款以结算多个应付账款，并且接收一笔结算大量应收账款的支付。这些方法允许参与者使用实施本发明的方法的系统捕获的大量财务和现金流信息，以通过允许贷方查看该信息来更有效地借用。此外，这些方法提供了一种确认程序，将现有债务义务转换为一项新的独立支付义务，该义务应在某个日期之前到期并且对基础合同没有任何抗辩。确认的债务为参与者提供更好的营运资金来源，或者转换为电子票据。本发明还提供电子票据的电子交换方法，允许参与者以各种方式筹集营运资金，例如出售它们。

3. 发明授权

US08712887B2 Electronic multiparty accounts receivable and accounts payable system 有权
标题翻译：电子多方应收账款和应付账款系统
公开(公告)号：US08712887B2
公开(公告)日：2014-04-29
申请号：US11556912
申请日：2006-11-06
申请人： Bernard DeGroeve , Jan Petroons , Christopher C. Hanan , A. Graham Bailey , Shreyas D. Gupta , Kevin Lawrence Mellyn , Matthew Saal , Morio Alexander , Craig Mondschein
发明人： Bernard DeGroeve , Jan Petroons , Christopher C. Hanan , A. Graham Bailey , Shreyas D. Gupta , Kevin Lawrence Mellyn , Matthew Saal , Morio Alexander , Craig Mondschein
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q30/04 , G06Q40/12
摘要： The invention concerns a multiparty accounts receivable and accounts payable system that allows business trading partners to use a single, shared system for both accounts receivable and accounts payable management. The system allows participants to use the substantial amount of financial and cash flow information captured by the system to borrow more efficiently by permitting lenders to view this information. Furthermore, the system provides a confirmation process to convert existing debt obligations into a new, independent payment obligation due on a date certain and free of any defenses to the underlying contract. The confirmed debt obligations provide a better source of working capital for the participants, or can be converted into electronic promissory notes. The system provides an electronic exchange for electronic promissory notes, allowing participants to raise working capital in various ways, for example, by selling them.
摘要翻译：本发明涉及多方应收账款和应付账款系统，允许商业贸易伙伴对应收账款和应付账款管理使用单一共享系统。该系统允许参与者使用系统捕获的大量财务和现金流量信息，通过允许贷方查看此信息更有效地借入。此外，该制度提供了确认程序，将现有债务义务转换为一项新的独立付款义务，该义务应在某一日期之前到期并且对基础合同没有任何抗辩。确认的债务为参与者提供更好的营运资金来源，或者转换为电子票据。该系统提供电子票据电子交易，让参与者以各种方式筹集营运资金，例如出售。

4. 发明申请

US20070061260A1 ELECTRONIC MULTIPARTY ACCOUNTS RECEIVABLE AND ACCOUNTS PAYABLE SYSTEM 有权
标题翻译：电子多媒体账户接收和账户支付系统
公开(公告)号：US20070061260A1
公开(公告)日：2007-03-15
申请号：US11556912
申请日：2006-11-06
申请人： Bernard deGroeve , Jan Petroons , Christopher Hanan , A. Bailey , Shreyas Gupta , Kevin Mellyn , Matthew Saal , Morio Alexander , Craig Mondschein
发明人： Bernard deGroeve , Jan Petroons , Christopher Hanan , A. Bailey , Shreyas Gupta , Kevin Mellyn , Matthew Saal , Morio Alexander , Craig Mondschein
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q30/04 , G06Q40/12
摘要： The invention concerns a multiparty accounts receivable and accounts payable system that allows business trading partners to use a single, shared system for both accounts receivable and accounts payable management. The system of the invention forms an electronic “bridge” between a plurality of business trading partners for purposes of invoicing, dispute resolution, financing, and settlement of single and multiple currency debts. As the invoicing and settlement activities of the participants are funneled through a common system, the system allows a participant to aggregate all debts owed to other participants, aggregate all debts owed by the other participants, and net debts owed to other participants with debts owed by these participants. After aggregation and netting, the participant issues a single payment to settle numerous accounts payable items, and receives a single payment that settles numerous accounts receivable items. The system allows participants to use the substantial amount of financial and cash flow information captured by the system to borrow more efficiently by permitting lenders to view this information. Furthermore, the system provides a confirmation process to convert existing debt obligations into a new, independent payment obligation due on a date certain and free of any defenses to the underlying contract. The confirmed debt obligations provide a better source of working capital for the participants, or can be converted into electronic promissory notes. The system provides an electronic exchange for electronic promissory notes, allowing participants to raise working capital in various ways, for example, by selling them.
摘要翻译：本发明涉及多方应收账款和应付账款系统，允许商业贸易伙伴对应收账款和应付账款管理使用单一共享系统。本发明的制度在多个商业贸易伙伴之间形成电子“桥梁”，用于发票，争议解决，融资和单一和多种货币债务的结算。由于参与者的发票和结算活动通过共同制度进行汇总，系统允许参与者将所有欠其他参与者的债务累计到其他参与者所欠的所有债务，以及欠其他参与者的债务净额，欠债这些参与者。汇总和净额结算后，参与者单笔支付结算多个应付账款，并收到一笔结算多个应收账款的支付单。该系统允许参与者使用系统捕获的大量财务和现金流量信息，通过允许贷方查看此信息更有效地借入。此外，该制度提供了确认程序，将现有债务义务转换为一项新的独立付款义务，该义务应在某一日期之前到期并且对基础合同没有任何抗辩。确认的债务为参与者提供更好的营运资金来源，或者转换为电子票据。该系统提供电子票据电子交易，让参与者以各种方式筹集营运资金，例如出售。

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