WO2001041020A1 - Systeme de facturation et de paiement base serveur - Google Patents

Systeme de facturation et de paiement base serveur Download PDF

Info

Publication number
WO2001041020A1
WO2001041020A1 PCT/US2000/032729 US0032729W WO0141020A1 WO 2001041020 A1 WO2001041020 A1 WO 2001041020A1 US 0032729 W US0032729 W US 0032729W WO 0141020 A1 WO0141020 A1 WO 0141020A1
Authority
WO
WIPO (PCT)
Prior art keywords
data
payor
biller
invoice
payment
Prior art date
Application number
PCT/US2000/032729
Other languages
English (en)
Inventor
Brian Hinton
Richard Domalewski
Original Assignee
Bottomline Technologies, Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Bottomline Technologies, Inc. filed Critical Bottomline Technologies, Inc.
Publication of WO2001041020A1 publication Critical patent/WO2001041020A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems

Definitions

  • the present invention permits payors to dispute an electronic invoice directly online.
  • the present invention provides a system to permit billers to establish a priori dispute rules on a global and/or payor-by-payor basis, to allow payors to adjust an invoice to reflect discounts, price terms and/or quantity of goods received, so that payor's can maximize available discounts and/or price adjustments and billers are kept apprised of invoice disputes and reasons therefore.
  • the present invention provides a server based bill presentment and payment system, comprising a biller and payor in communication with a network server.
  • a database is provided containing data modules comprising a biller profile, a payor profile, dispute rules and access control.
  • the relational database user i.e., billers and payors
  • database 110 preferably comprises a relational database where the payor and biller profiles, access control logic and dispute rules are related between payors (customers) and billers (suppliers).
  • the database upon access of the system 10 by a payor (via login ID), the database will supply the relevant data for that payor and the biller, based on the data modules set out above.
  • the invoice data will include dispute rules, payment options, settlement date and other data for that payor in the appropriate, predefined, data field within the invoice.
  • the system To map incoming invoice data and to output remittance data, the system also receives biller's preferred I/O data format 134. This process is described in more detail below. As indicated above, part of the invention is the establishment of an on-line community of billers and payors. Thus, the system 10 also receives a list of payors who are to receive invoice data from billers 136. For each payor, or on a global basis, the system also receives dispute rules and reason codes from billers 138. All of this data is preferably linked together, and the server administrator creates the biller profile and dispute rules table 140. This information is stored on the database 142.
  • Figure 6E depicts an exemplary flow chart for the input data mapping process 180 of the present invention.
  • the server administrator receives payment data output format from the biller or the biller's bank 122.
  • This format typically comprises a generalized data stream but may also comprise an ACH-type payment data format.
  • the server administrator creates a map to translate the network data to the appropriate payment data format 124. This map is stored on the database 128 and a link to the map is also stored in the biller's profile 126.
  • the system administrator also gathers information from the payor.
  • Figure 6D is a flowchart 200 depicting an exemplary process for creating the payor profile and access control.
  • the system administrator receives payor information from the payor(s) 202.
  • the system querries the database, and particularly the payor profile, to determine the specific dispute rules and reason codes permitted for adjudication for that payor 346.
  • the system creates additional data fields in the invoice data table to insert the dispute rules 348. These additional data fields can comprise, for example, additional columnar data, drill-down menus, etc.
  • the payor now has access to these dispute rules (and is thereby limited to the specified adjudication rules defined by the biller), which can be used to adjudicate an invoice 350.
  • invoice adjudication generally includes 1) general invoice adjustment, 2) price adjustment, 3) quantity adjustment, and/or 4) line item adjustment.
  • the reason codes, defined by the biller provide the descriptive aspect to one or more of these adjudication dispute rules. The payor will also select an appropriate reason code.
  • Data and/or commands may arrive at the server system 12 in the following forms: comma delimited data fields within so-called "flat" files, textually-based data objects, HTML and/or XML commands, etc.
  • the network interface preferably includes appropriate functionality to permit billers to present bills, and for payors to view, sort, adjudicate, and authorize payment.
  • the network interface is presented to billers and payors in a conventional HTML format, which includes appropriate drill-down data fields to accomplish the stated functionality.
  • multiple screens are provided which permit billers and payors access to the above-described features.
  • FIGs 5A-5G several shots of the functionality of the network interface 18 are depicted in Figures 5A-5G.
  • FIG. 5C depicts a screen shot of the interface 450, this time from a perspective of separation of duties and workflow management among payors. In this screen, payors having various access can perform approval of invoice data.
  • these personal computers run the Unix, Microsoft Windows NTTM or Windows 98TM or Windows 2000TM operating systems.
  • the aforesaid functional components of system 100 may also be comprised by a combination of the above two configurations (e.g., by computer program processes running on a combination of personal computers, RISC systems, mainframes, symmetric or parallel computer systems, and/or other appropriate hardware and software, networked together via appropriate wide and local area network hardware and software). Other modifications are also possible.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

L'invention concerne un système interentreprises de présentation et de paiement de factures, basé serveur. Le serveur comprend une base de données servant à l'établissement d'un groupement facturiers/payeurs, de façon que des partenaires commerciaux de confiance puissent maximiser les options relatives à la présentation et au paiement de factures. Un réseau relié de facturiers et de payeurs est établi au moyen de profils de facturiers/payeurs, une logique de règles en cas de conflit pouvant être établie par le facturier, de manière que soit présenté au payeur un processus de soumission automatique et uniforme. La commande d'accès à la fonctionnalité du système serveur sert à séparer les obligations entre les payeurs, au moyen d'une organisation de payeurs. Le serveur permet aux facturiers de soumettre des données de facturation électroniques à plusieurs payeurs. Des boîtes à outils d'interfaces permettent aux payeurs de visionner, choisir et trier des factures, de même que de soumettre celles-ci et autoriser leur paiement. Plusieurs mécanismes de traduction et plusieurs options de sortie servent à accepter des données de facture dans plusieurs formats, à produire des données de remise destinées au facturier et des données de facture au payeur, de même qu'à produire des rapports de gestion de cash-flow.
PCT/US2000/032729 1999-12-03 2000-12-01 Systeme de facturation et de paiement base serveur WO2001041020A1 (fr)

Applications Claiming Priority (14)

Application Number Priority Date Filing Date Title
US16894099P 1999-12-03 1999-12-03
US60/168,940 1999-12-03
US52720800A 2000-03-16 2000-03-16
US52679300A 2000-03-16 2000-03-16
US52720900A 2000-03-16 2000-03-16
US52679100A 2000-03-16 2000-03-16
US52756000A 2000-03-16 2000-03-16
US52679200A 2000-03-16 2000-03-16
US09/526,792 2000-03-16
US09/527,209 2000-03-16
US09/527,560 2000-03-16
US09/527,208 2000-03-16
US09/526,793 2000-03-16
US09/526,791 2000-03-16

Publications (1)

Publication Number Publication Date
WO2001041020A1 true WO2001041020A1 (fr) 2001-06-07

Family

ID=27569112

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2000/032729 WO2001041020A1 (fr) 1999-12-03 2000-12-01 Systeme de facturation et de paiement base serveur

Country Status (1)

Country Link
WO (1) WO2001041020A1 (fr)

Cited By (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2003032267A2 (fr) * 2001-10-05 2003-04-17 Siemens Aktiengesellschaft Procede de remise et de reglement electroniques de factures
WO2003067489A1 (fr) * 2002-02-07 2003-08-14 The Financialeyes Co., Ltd. Systeme de support d'echanges commerciaux
EP1338998A2 (fr) * 2002-02-15 2003-08-27 Sap Ag Communication post-transaction avec facturation et articles de crédit via les pages d'une interface de consultation sur le réseau
US7707077B2 (en) 2002-03-28 2010-04-27 Sap Ag Electronic financial transaction with balancing invoice and credit items via page
US8229807B2 (en) 2007-08-12 2012-07-24 Elbizri Samer System and method of offsetting invoice obligations
US8364603B2 (en) * 2002-04-23 2013-01-29 Galves Fred A On-line dispute resolution for e-commerce disputes
WO2017153923A3 (fr) * 2016-03-08 2018-07-19 Bill Pay Pty Ltd Plateforme en ligne de création, de présentation et de paiement de factures
US10282712B2 (en) 2013-02-07 2019-05-07 Jpmorgan Chase Bank, N.A. Integrated electronic disbursement and cash flow management system and method
US10387858B2 (en) 2013-02-07 2019-08-20 Jpmorgan Chase Bank, N.A. Integrated electronic cash flow management system and method
USD962972S1 (en) 2019-12-12 2022-09-06 Bottomline Technologies, Inc Display screen with graphical user interface in table formation
US11526859B1 (en) 2019-11-12 2022-12-13 Bottomline Technologies, Sarl Cash flow forecasting using a bottoms-up machine learning approach
US11532040B2 (en) 2019-11-12 2022-12-20 Bottomline Technologies Sarl International cash management software using machine learning
USD978158S1 (en) 2019-12-12 2023-02-14 Bottomline Technologies, Inc. Display screen with graphical user interface in grid formation
US11704671B2 (en) 2020-04-02 2023-07-18 Bottomline Technologies Limited Financial messaging transformation-as-a-service

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5710887A (en) * 1995-08-29 1998-01-20 Broadvision Computer system and method for electronic commerce
CA2191640A1 (fr) * 1996-11-29 1998-05-29 Kenn S. Jennyc Systeme et methode interactifs d'integration d'applications
US6078907A (en) * 1998-02-18 2000-06-20 Lamm; David Method and system for electronically presenting and paying bills
US6173272B1 (en) * 1998-04-27 2001-01-09 The Clearing House Service Company L.L.C. Electronic funds transfer method and system and bill presentment method and system
US6202066B1 (en) * 1997-11-19 2001-03-13 The United States Of America As Represented By The Secretary Of Commerce Implementation of role/group permission association using object access type

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5710887A (en) * 1995-08-29 1998-01-20 Broadvision Computer system and method for electronic commerce
CA2191640A1 (fr) * 1996-11-29 1998-05-29 Kenn S. Jennyc Systeme et methode interactifs d'integration d'applications
US6202066B1 (en) * 1997-11-19 2001-03-13 The United States Of America As Represented By The Secretary Of Commerce Implementation of role/group permission association using object access type
US6078907A (en) * 1998-02-18 2000-06-20 Lamm; David Method and system for electronically presenting and paying bills
US6173272B1 (en) * 1998-04-27 2001-01-09 The Clearing House Service Company L.L.C. Electronic funds transfer method and system and bill presentment method and system

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
LONNIE E. MOSELEY ET AL.: "Mastering microsoft office 97", 1997, SYBEX, CA, XP002940351 *
NACHA: "An overview of electronic bill presentment and payment operating models", 9 April 1999, NATIONAL AUTOMATED CLEARING HOUSE ASSOC., COUNCIL FOR ELECTRONIC BILLING AND PAYMENT, XP002940352 *

Cited By (18)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2003032267A3 (fr) * 2001-10-05 2003-12-18 Siemens Ag Procede de remise et de reglement electroniques de factures
WO2003032267A2 (fr) * 2001-10-05 2003-04-17 Siemens Aktiengesellschaft Procede de remise et de reglement electroniques de factures
WO2003067489A1 (fr) * 2002-02-07 2003-08-14 The Financialeyes Co., Ltd. Systeme de support d'echanges commerciaux
EP1338998A2 (fr) * 2002-02-15 2003-08-27 Sap Ag Communication post-transaction avec facturation et articles de crédit via les pages d'une interface de consultation sur le réseau
EP1338998A3 (fr) * 2002-02-15 2004-04-07 Sap Ag Communication post-transaction avec facturation et articles de crédit via les pages d'une interface de consultation sur le réseau
US7707077B2 (en) 2002-03-28 2010-04-27 Sap Ag Electronic financial transaction with balancing invoice and credit items via page
US8364603B2 (en) * 2002-04-23 2013-01-29 Galves Fred A On-line dispute resolution for e-commerce disputes
US8229807B2 (en) 2007-08-12 2012-07-24 Elbizri Samer System and method of offsetting invoice obligations
US10282712B2 (en) 2013-02-07 2019-05-07 Jpmorgan Chase Bank, N.A. Integrated electronic disbursement and cash flow management system and method
US10387858B2 (en) 2013-02-07 2019-08-20 Jpmorgan Chase Bank, N.A. Integrated electronic cash flow management system and method
WO2017153923A3 (fr) * 2016-03-08 2018-07-19 Bill Pay Pty Ltd Plateforme en ligne de création, de présentation et de paiement de factures
AU2017229564A1 (en) * 2016-03-08 2018-10-04 Bill Pay Pty Ltd Online platform for creating, presenting and paying bills
US11526859B1 (en) 2019-11-12 2022-12-13 Bottomline Technologies, Sarl Cash flow forecasting using a bottoms-up machine learning approach
US11532040B2 (en) 2019-11-12 2022-12-20 Bottomline Technologies Sarl International cash management software using machine learning
US11995622B2 (en) 2019-11-12 2024-05-28 Bottomline Technologies, Sarl Method of international cash management using machine learning
USD962972S1 (en) 2019-12-12 2022-09-06 Bottomline Technologies, Inc Display screen with graphical user interface in table formation
USD978158S1 (en) 2019-12-12 2023-02-14 Bottomline Technologies, Inc. Display screen with graphical user interface in grid formation
US11704671B2 (en) 2020-04-02 2023-07-18 Bottomline Technologies Limited Financial messaging transformation-as-a-service

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