JP2005527046A - 動的割引合意を備えた購入者と供給業者の間の電子決算を変更するシステム及び方法 - Google Patents
動的割引合意を備えた購入者と供給業者の間の電子決算を変更するシステム及び方法 Download PDFInfo
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Abstract
Description
代理人整理番号25923.703、発明者Duc Lam, Georg Muller, Chandra(CP) Agrawal, Baby Lingampalli, Pavel Lopin及びXuan(Sunny) Mcrae、特許文献1のMethod and System for Collaborative Vendor Reconciliation;
代理人整理番号25923.704、発明者Duc Lam, Matthew Roland及びXuan(Sunny) McRae、特許文献2のSystem and Method for Electronic Aunthorization of Batch Checks;
代理人整理番号25923.706、発明者Duc Lam, Ramnath Shabhorue, Lmmanuel Kan, Bob Moore及びXuan(Sunny) McRae、特許文献3のSystem and Method for Electronic Payer(Buyer) Defined Invoice Exchange;
代理人整理番号25923.707、発明者Bob Moore及びXuan(Sunny) Mcrae、特許文献4のMethod and System for Invoice Routing and Approval in Electronic Payment System;及び
代理人整理番号25923.708、発明者Duc Lam, Celeste Wyman及びXuan(Sunny) McRae、特許文献5のMethod and System for Buyer-Centric Dispute Resoluin Electronic Payment System、に関する。前述の出願の全ては、その全体の参照によってこの中に取り込まれている。
・購入者から販売業者へ送信される注文書
・購入者代理としての販売業者購入部分
・販売業者によって購入される注文部分
・販売業者によって完了された商品
・満期の特定の割合まで完了された商品
・完了した製品の検査
・郵送の準備完了を指示された商品
・販売業者によって送信される発送
・共通キャリアを有している発送
・購入者によって受信された発送
・他の購入者の発送確定ステータス
・発送を注文した購入者の組織におけるエンドユーザ個人によって受信される発送
・サービス開始
・サービスの特定割合の完了、サービス完了
・エンドユーザによって承認されるインボイス
・支払うべき請求書によって承認されるインボイス
・責任のある管理者によって承認されるインボイス
・購入者の組織におけるインボイスの最終承認
・購入者組織内の支払うべき部門によって承認されるインボイスに対する支払い
・支払いに対して受信される承認
・解除を承認された支払い
・商品又はサービスが満足のいくような配信である、特定レベルの信頼性を指示する購入者によって画定される他のイベント
PO通知 6日
インボイス提出 0日
インボイス額 $100,000
本購入者に対する供給業者合意 2%10、Net30
本供給業者に対する購入者合意 2%10、Net30
早期支払い割引獲得閾値 10日
インボイス支払い期日 30日
トリガー通知:インボイス承認 12日
支払い方法:ACH ACH
処理方法遅延 2日
供給業者アカウントで利用可能なファンド 14日
計算方法 Simple
満期日に対する早期日付 16日
有効割引 1.60%
割引額 $1,600
支払い額 $98,400
PO通知 8日
インボイス提出 0日
インボイス額 $100,000
本購入者に対する初期供給業者合意 1.5%10、Net30
本供給業者に対する購入者合意 2%10、Net30
本購入者に対する調整後供給者合意 1.75%10、Net30
本供給業者に対する調整後購入者合意 1.75%10、Net30
早期支払い割引獲得閾値 10日
インボイス支払い期日 30日
トリガー通知:インボイス承認 2日
トリガー通知:合意承認 4日
支払い方法:ACH ACH
処理方法遅延 NA
満期日に対する早期日付 26日
基本割引率 1.75%
基本早期日数 20
有効日歩 0.0875%
計算又はルックアップ方式 Simple
有効割引率(早期日付の日歩*#) 2.28%
実際の割引 $2,275.00
支払い額 $97,725.00
PO通知 4日
インボイス提出 0日
インボイス額 $100,000
本購入者に対する供給業者合意 14%APR、Net30
本供給業者に対する購入者合意 14%APR、Net30
インボイス支払い期日 30日
トリガー通知:インボイス承認 14
支払い方法:ACH ACH
処理方法遅延 2
満期日に対する早期日付 14日
有効日歩 0.0384%
計算又はルックアップ方式 正味現在価値
正味現在価値割引要素 0.54%
有効割引率(早期日付の日歩*#) 2.28%
実際の割引 $534.12
支払い額 $99,465.88
PO通知 4日
インボイス提出 0日
インボイス額 $100,000
供給業者インボイス支払い合意 30日
購入者インボイス支払い合意 30日
供給業者支払い合意、1日から10日 2%
供給業者支払い合意、11日から15日 1.5%
供給業者支払い合意、16日から22日 1%
購入者支払い合意、5日から10日 2.5%
購入者支払い合意、11日から15日 1.5%
購入者支払い合意、16日から22日 1.25%
トリガー通知:インボイス承認 5
支払い方法:ACH ACH
処理方法遅延 2
(ルックアップ値に基づいて)適用される割引 1.5%
予定される決算日 15日
実際の割引 $1,500.12
支払い額 $98,500.00
購入者1 購入者2
PO通知 4日 5日
インボイス提出 0日 0日
インボイス額 $100,000 $200,000
供給業者合意 2%10、Net30 2%10、Net30
購入者プログラム 60日支払い満期、 50日支払い満期
払い戻しなし 10%割引
トリガー通知:インボイス承認 5 5
支払い方法:ACH ACH ACH
処理方法遅延 2 2
満期日に対する早期日付 23日 23日
有効日歩 0.1000% 0.1000%
計算又はルックアップ方式 Simple Simple
有効割引率 2.30% 2.3%
実際の割引 $2,300.00 $4,600.00
支払い額 $97,700.00 $195,400.00
ネット結果:銀行の
供給業者への支払い $293,100.00
銀行返済 $100,000 $200,000
購入者への銀行払い戻し None $460.00
(簡単のため、これは割引プログラムa%、利益プログラムのa%であるので、資本の銀行費用は無視される)
Claims (43)
- 支払いをする方法であって、
確立された合意であって、支払額及び決算日を含む合意を有する取引について、購入者と販売業者の間で支払いをするためにリクエストを受信すること、
前記確立された合意以外の支払いに対する新たな合意であって、前記新たな合意は、前記取引と協働するイベントの後の特定時になされることになる支払の調整された額を含むことを特徴とする、新たな合意のオファー及び受理を含むメッセージを前記購入者と販売業者との間で交換すること、
前記イベントが生じたという電子的通知を受信すること、及び
前記通知後、前記新たな合意の下で前記購入者と販売業者の間で支払いをすること、
を備えている方法。 - 前記イベントは、購入者による販売業者のインボイスの承認の電子的指示を含んでいることを特徴とする請求項1に記載の方法。
- 前記イベントは、販売業者が取引において注文された商品を輸送しているという電子的指示を含んでいることを特徴とする請求項1に記載の方法。
- 前記イベントは、購入者が取引において注文された商品を受け取ったという電子的指示を含んでいることを特徴とする請求項1に記載の方法。
- 前記イベントは、購入者が取引に対する支払いを認可されたという電子的指示を含んでいることを特徴とする請求項1に記載の方法。
- 異なる合意は、決算日とイベントの間の特定時の支払いと引き替えに割引を備えていることを特徴とする請求項1に記載の方法。
- 確立された合意は、販売業者が特定の割引を進んでオファーする割引日を含み、
新たな合意は、確立された合意の下で提供される割引とは異なる、割引日よりも早い特定時の支払いと引き替えの割引を備えていることを特徴とする請求項1に記載の方法。 - 確立された合意は、販売業者が特定の割引を進んでオファーする割引日を含み、
新たな合意は、確立された合意の下で提供される割引とは異なる、割引日よりも遅い特定時期の支払いと引き替えの割引を備えていることを特徴とする請求項1に記載の方法。 - 新たな合意の受理は、イベントが発生したという電子的通知の受信後に発生することを特徴とする請求項1に記載の方法。
- 新たな合意の受理を指示するデジタル署名を受信することを含んでいる請求項1に記載の方法。
- 支払いをする方法であって、
確立された合意であって、支払額及び決算日を含む合意を有する取引について、購入者と販売業者の間で支払いをするためにリクエストを受信すること、
前記確立された合意以外の支払いに対する新たな合意であって、前記新たな合意は、前記取引に対するインボイスと協働するイベントの後の特定時になされることになる支払いの調整された額を含むことを特徴とする、新たな合意のオファー及び受理を含むメッセージを前記購入者と販売業者との間で交換すること、
前記インボイスを前記販売業者から受信すること、
インボイスと協働するイベントが発生したという電子的通知を受信すること、及び
前記通知後、前記新たな合意の下で前記購入者と販売業者の間で支払いをすること、
を備えている方法。 - 前記販売業者によって送信されている前記インボイスを確認することを含み、
前記イベントは、前記確認後に発生することを特徴とする請求項11に記載の方法。 - 前記インボイスにおいて電子的にデータをチェックすることを含み、
前記イベントは、前記データが特定の基準を満たす場合にのみ発生することを特徴とする請求項11に記載の方法。 - 支払いをする方法であって、
一組の取引であって、確立された合意を有する取引を一組のエンティティを用いて行うためにリクエストを受信すること、
前記取引と協働するイベントの一組の電子的通知を受信すること、
前記確立された合意とは異なる合意であって、前記イベントの後の特定時になされる支払いの適用に対する異なる合意のオファーのために一組のリクエストを前記エンティティに送信すること、
前記リクエストに応答してオファーを受信すること、
一組の1又は複数の基準に基づいて前記オファーの中から一組のオファーを選定すること、及び、
それぞれのイベント後、それぞれのオファーの合意の下で選定されたオファーと協働するそれぞれのエンティティに支払いをすること、
を備えている方法。 - 前記取引と協働する前記イベントは、それぞれの取引と協働するインボイスの受理を含んでいることを特徴とする請求項14に記載の方法。
- 前記取引と協働する前記イベントは、前記それぞれの取引に対する支払いの承認を含んでいることを特徴とする請求項14に記載の方法。
- 合意のオファーのために個々のエンティティに対して一連のリクエストをすること、及び前記一連のリクエストに応答して一組のオファーを個々のエンティティから受信すること、を含んでいる請求項14に記載の方法。
- 利益を有してより魅力的な個々のエンティティである一連のリクエストを時を経て合意と共にすることを含んでいる請求項17に記載の方法。
- 前記エンティティが合意の前記オファーをするために選定する一連の異なる合意を備えたメッセージを個々のエンティティに送信することを含んでいる請求項14に記載の方法。
- 前記一連の異なる合意は、提案される支払額の設定及び協働する提案される支払日を含んでいることを特徴とする請求項19に記載の方法。
- 前記設定は、少なくとも幾つかの提案される支払日と協働する多数の提案される支払額を含んでいることを特徴とする請求項20に記載の方法。
- 1又は複数の基準の設定は、前記それぞれのエンティティのリスク査定を含んでいることを特徴とする請求項14に記載の方法。
- 1又は複数の基準の設定は、取引毎の節約額を含んでいることを特徴とする請求項14に記載の方法。
- 1又は複数の基準の設定は、前記それぞれの取引の決算日前の残存する時間量を含んでいることを特徴とする請求項14に記載の方法。
- エンティティの設定は販売業者を含み、オファーのためのリクエストの設定は購入者のシステムによって送信されることを特徴とする請求項14に記載の方法。
- 前記通知に応答して前記リクエストを自動的に発生させることを含んでいる請求項14に記載の方法。
- 前記エンティティによって確立される1又は複数の基準の設定の基づいた前記リクエストに応答してオファーの設定を自動的に発生させることを含んでいる請求項14に記載の方法。
- 前記エンティティによって確立される1又は複数の基準の設定は、オファーのために前記リクエストを送信する前記エンティティのリスク査定を含んでいることを特徴とする請求項14に記載の方法。
- 支払いをする方法であって、
購入者と販売業者の間の取引であって、支払額と決算日を含む確立された合意を有する取引の存在に関係する通知を受信すること、
前記確立された合意以外の支払いに対する新たな合意であって、前記新たな合意は、前記取引と協働するイベントの後の特定時に販売業者に対して第三者によってなされることになる支払額を含んでいることを特徴とする、新たな合意のオファー及び受理を含むメッセージを購入者、販売業者、及び第三者の間で交換すること、
前記イベントが発生したという電子的通知を受信すること、
前記通知後、前記新たな合意の下で前記第三者から前記販売業者に調整された支払いについての支払いをすること、及び
前記第三者による前記支払い後、前記新たな合意の下で前記購入者と金融機関の間で支払いをすること、を備えている方法。 - 前記イベントは、前記購入者による前記販売業者のインボイスの承認の電子的指示を含んでいることを特徴とする請求項29に記載の方法。
- 前記イベントは、前記販売業者は、前記取引で注文された商品を輸送したという電子的指示を含んでいることを特徴とする請求項29に記載の方法。
- 前記イベントは、前記購入者が前記取引で注文された商品を受信したという電子的通知を含んでいることを特徴とする請求項29に記載の方法。
- 前記イベントは、前記購入者であるエンドユーザが前記取引で注文された商品を受信したという電子的通知を含んでいることを特徴とする請求項29に記載の方法。
- 新たな合意の受理は、前記イベントが発生したという前記電子的通知の受信後に発生することを特徴とする請求項29に記載の方法。
- 前記新たな合意の受理を指示しているデジタル署名を受信することを含んでいる請求項29に記載の方法。
- 前記取引に対するインボイスの確認であって、前記インボイスが前記販売業者によって送信されていることを決定するための確認を含み、前記イベントは、前記確認後に発生することを特徴とする請求項29に記載の方法。
- 取引に対するインボイスのデータを電子的にチェックすることを含み、前記イベントは、前記データが特定の基準を満たす場合にのみ発生することを特徴とする請求項29に記載の方法。
- 販売業者と協働する第1のシステムであって、
関連する合意の設定を有するインボイスを発生させ、前記インボイスを購入者に送信する論理と、前記購入者からのオファーのためにリクエストに応答して、関連する合意の設定以外の新たな合意の設定のために前記購入者に少なくともオファーを送信する論理であって、前記オファーが前記インボイスの処理に協働するイベント後の支払いに適用されるオファーを送信する論理と、を含んでいる前記第1のシステムと、
購入者と協働する第2のシステムであって、
前記販売業者から前記インボイスを受信する論理と、オファーのためにリクエストを発生させ、前記販売業者に送信する論理と、前記オファーを前記販売業者から受信する論理と、前記販売業者からの前記オファーを受信する前記販売業者に電子的指示を送信する論理と、前記インボイスの処理と協働するイベントの電子的指示を発生させる論理と、前記インボイスの処理と協働する前記イベントの電子的通知の受信後に前記新たな合意に従って前記購入者から前記販売業者に支払いをする論理と、を含んでいる前記第2のシステムと、
を備えている支払いシステム。 - 前記イベントは、前記購入者による前記販売業者のインボイスの承認の電子的指示を含んでいることを特徴とする請求項38に記載のシステム。
- 前記第2のシステムは、
複数の販売業者と協働するシステムに対する新たな合意の設定のオファーのためのリクエストであって、関連するインボイスの処理と協働するイベント後の支払いに適用されるオファーのためのリクエストと、前記インボイスと協働する事前に確立された合意と異なる前記新たな合意と、を送信し、
新たな合意のためのオファーに応答して、前記オファーの一部を受理し、前記それぞれのイベント後の前記新たな合意の下で支払いをする、論理を含んでいることを特徴とする請求項38に記載のシステム。 - 目標が満たされているか否かに基づいてオファーの部分を選定する論理を含んでいる請求項40に記載のシステム。
- 前記目標は、節約額を含んでいることを特徴とする請求項41に記載のシステム。
- 前記第1のシステムは、新たな合意の設定のオファーのためのリクエストであって、関連するインボイスの処理と協働するイベント後の支払いに適用されるオファーのためのリクエストを送信し、
新たな合意のためのオファーに応答して、前記オファーの一部を受理し、前記それぞれのイベント後の前記新たな合意の下で支払いを受理する、論理を含んでいることを特徴とする請求項38に記載のシステム。
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US8244625B2 (en) | 2012-08-14 |
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CA2483348A1 (en) | 2003-12-04 |
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AU2003243251B2 (en) | 2010-05-27 |
US20120278143A1 (en) | 2012-11-01 |
CA2483348C (en) | 2016-07-26 |
EP1514210A4 (en) | 2006-05-17 |
US8108296B2 (en) | 2012-01-31 |
AU2003243251A1 (en) | 2003-12-12 |
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