公开(公告)号：US20170221061A1

公开(公告)日：2017-08-03

申请号：US15490654

申请日：2017-04-18

Applicant: Bill.com, Inc.

Inventor： Mark Orttung ,  Darren Linscott

IPC: G06Q20/40 ,  G06Q50/00 ,  H04L29/06

CPC classification number: G06Q20/4014 ,  G06F21/40 ,  G06Q20/4016 ,  G06Q50/01 ,  H04L63/08

Abstract: Login credentials for at least one website, such as a social networking website, are received from a user purporting to act on behalf of an entity, for example, in the context of registering the entity with a system for electronic bill payment. Social data relating to the entity is retrieved from the websites using the login credentials. The social data comprises a plurality of social connections, each reflecting a respective relationship between the entity and a respective third party. A plurality of relevant social connections comprising at least a subset of the plurality of social connections is determined, each social connection of the plurality of relevant social connections reflecting a relationship to a respective third party that is deemed to be reliable. A reliability rating of the entity is then determined based on the plurality of relevant social connections.

公开(公告)号：US20150012422A1

公开(公告)日：2015-01-08

申请号：US14295921

申请日：2014-06-04

Applicant: BILL.COM, INC.

Inventor： Henrique Pedreira de Freitas Ceribelli ,  Eric Chan ,  Mark Orttung ,  Darren Linscott

IPC: G06Q20/10

CPC classification number: G06Q20/1085 ,  G06Q20/042 ,  G06Q20/0425 ,  G06Q20/102

Abstract: Embodiments of the present disclosure may be used to scan a check or other payment instrument into an image file and apply a credit to one or more invoices associated with the entity, such as invoices issued by a business partner of the entity originating the check. Where there are multiple invoices outstanding invoices, embodiments of the present disclosure can selectively apply credits to such invoices based on input from the entity and/or based on rules defining how such credit are to be applied to the invoices.

Abstract translation: 本公开的实施例可以用于将支票或其他支付工具扫描成图像文件，并将信用量应用于与该实体相关联的一个或多个发票，例如由发起支票的实体的业务伙伴发行的发票。 在存在多个发票未结清发票的情况下，本公开的实施例可以基于来自实体的输入和/或基于定义如何将这种信用证应用于发票的规则来选择性地将信用额应用于这种发票。

公开(公告)号：US10417674B2

公开(公告)日：2019-09-17

申请号：US14464631

申请日：2014-08-20

Applicant: Bill.com, Inc.

Inventor： Henrique Pedreira de Freitas Ceribelli ,  Eric Chan ,  Mark Orttung ,  Darren Linscott

IPC: G06Q40/00 ,  G06Q30/04 ,  G06Q20/10

Abstract: Among other things, embodiments of the present disclosure may be used to enable multiple entities having interests in an event (such as a transaction) to receive and view information related to the event. Entities may receive alerts and status information related to different aspects of a transaction or other event.

公开(公告)号：US10163102B2

公开(公告)日：2018-12-25

申请号：US15490654

申请日：2017-04-18

Applicant: Bill.com, Inc.

Inventor： Mark Orttung ,  Darren Linscott

IPC: G06Q20/40 ,  G06Q50/00 ,  G06F21/40 ,  H04L29/06

Abstract: Login credentials for at least one website, such as a social networking website, are received from a user purporting to act on behalf of an entity, for example, in the context of registering the entity with a system for electronic bill payment. Social data relating to the entity is retrieved from the websites using the login credentials. The social data comprises a plurality of social connections, each reflecting a respective relationship between the entity and a respective third party. A plurality of relevant social connections comprising at least a subset of the plurality of social connections is determined, each social connection of the plurality of relevant social connections reflecting a relationship to a respective third party that is deemed to be reliable. A reliability rating of the entity is then determined based on the plurality of relevant social connections.

公开(公告)号：US20180322547A1

公开(公告)日：2018-11-08

申请号：US16031833

申请日：2018-07-10

Applicant: Bill.com, Inc.

Inventor： René Lacerte ,  Mark Orttung ,  Eric Chan ,  Robert S. Lam

IPC: G06Q30/04 ,  G06Q20/10 ,  G06Q40/02 ,  G06Q20/14 ,  G06Q40/00 ,  G06Q20/04

CPC classification number: G06Q30/04 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/14 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/10

Abstract: 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：US20140195416A1

公开(公告)日：2014-07-10

申请号：US13829986

申请日：2013-03-14

Applicant: BILL.COM, INC.

Inventor： Darren Linscott ,  Mark Orttung

IPC: G06Q20/02

CPC classification number: G06Q20/023 ,  G06Q20/102

Abstract: A computer-implemented method includes: receiving, by a computer system, a payment request from an originator having an account at a first financial institution, wherein the payment request is associated with a receiver having an account at a second financial institution. In response to receiving the payment request, a payment instrument is disbursed to the receiver. The method further includes receiving, by the computer system, a request for a payment amount designated by the payment instrument and, in response to receiving the request for the payment amount, crediting the payment amount to a clearing account. The method also includes crediting the payment amount to the receiver's account in conjunction with debiting the payment amount from the clearing account.

Abstract translation: 计算机实现的方法包括：由计算机系统从具有在第一金融机构的帐户的发起者接收支付请求，其中所述支付请求与在第二金融机构具有帐户的接收者相关联。 响应于收到付款请求，支付工具被支付给接收方。 该方法还包括由计算机系统接收由支付工具指定的支付金额的请求，并且响应于接收到支付金额的请求，将支付金额记入清算账户。 该方法还包括将付款金额记入接收方的账户，同时从结算账户中扣除支付金额。

公开(公告)号：US20140136382A1

公开(公告)日：2014-05-15

申请号：US14157420

申请日：2014-01-16

Applicant: Bill.com, Inc.

Inventor： Mark Orttung ,  Darren Linscott

IPC: G06Q50/00 ,  G06Q20/40

CPC classification number: G06Q20/4014 ,  G06F21/40 ,  G06Q20/4016 ,  G06Q50/01 ,  H04L63/08

Abstract: Login credentials for at least one website, such as a social networking website, are received from a user purporting to act on behalf of an entity, for example, in the context of registering the entity with a system for electronic bill payment. Social data relating to the entity is retrieved from the websites using the login credentials. The social data comprises a plurality of social connections, each reflecting a respective relationship between the entity and a respective third party. A plurality of relevant social connections comprising at least a subset of the plurality of social connections is determined, each social connection of the plurality of relevant social connections reflecting a relationship to a respective third party that is deemed to be reliable. A reliability rating of the entity is then determined based on the plurality of relevant social connections.

Abstract translation: 至少一个网站（例如社交网站）的登录凭证从用户代表一个实体接收，例如在用电子账单支付系统注册该实体的上下文中。 使用登录凭据从网站检索与该实体相关的社会数据。 社交数据包括多个社交连接，每个社交连接各自反映实体和相应的第三方之间的相应关系。 确定包括多个社交连接的至少一个子集的多个相关的社会关系，所述多个相关社会关系的每个社会关系反映与被认为是可靠的相应第三方的关系。 然后基于多个相关的社会连接来确定实体的可靠性等级。

公开(公告)号：US09413737B2

公开(公告)日：2016-08-09

申请号：US14157420

申请日：2014-01-16

Applicant: Bill.com, Inc.

Inventor： Mark Orttung ,  Darren Linscott

IPC: H04L29/06 ,  G06Q20/40 ,  G06Q50/00 ,  G06F21/40

CPC classification number: G06Q20/4014 ,  G06F21/40 ,  G06Q20/4016 ,  G06Q50/01 ,  H04L63/08

Abstract: Login credentials for at least one website, such as a social networking website, are received from a user purporting to act on behalf of an entity, for example, in the context of registering the entity with a system for electronic bill payment. Social data relating to the entity is retrieved from the websites using the login credentials. The social data comprises a plurality of social connections, each reflecting a respective relationship between the entity and a respective third party. A plurality of relevant social connections comprising at least a subset of the plurality of social connections is determined, each social connection of the plurality of relevant social connections reflecting a relationship to a respective third party that is deemed to be reliable. A reliability rating of the entity is then determined based on the plurality of relevant social connections.

Abstract translation: 至少一个网站（例如社交网站）的登录凭证从用户代表一个实体接收，例如在用电子账单支付系统注册该实体的上下文中。 使用登录凭据从网站检索与该实体相关的社会数据。 社交数据包括多个社交连接，每个社交连接各自反映实体和相应的第三方之间的相应关系。 确定包括多个社交连接的至少一个子集的多个相关的社会关系，所述多个相关社会关系的每个社会关系反映与被认为是可靠的相应第三方的关系。 然后基于多个相关的社会连接来确定实体的可靠性等级。

公开(公告)号：US20150142643A1

公开(公告)日：2015-05-21

申请号：US14464631

申请日：2014-08-20

Applicant: Bill.com, Inc.

Inventor： Henrique Pedreira de Freitas Ceribelli ,  Eric Chan ,  Mark Orttung ,  Darren Linscott

IPC: G06Q30/04 ,  G06Q20/10

CPC classification number: G06Q30/04 ,  G06Q20/102

Abstract: Among other things, embodiments of the present disclosure may be used to enable multiple entities having interests in an event (such as a transaction) to receive and view information related to the event. Entities may receive alerts and status information related to different aspects of a transaction or other event.

Abstract translation: 除其他之外，本公开的实施例可以用于使具有事件（例如事务）的兴趣的多个实体能够接收和查看与事件相关的信息。 实体可以接收与交易或其他事件的不同方面相关的警报和状态信息。

公开(公告)号：US20150012442A1

公开(公告)日：2015-01-08

申请号：US14295942

申请日：2014-06-04

Applicant: Bill.com, Inc.

Inventor： Henrique Pedreira de Freitas Ceribelli ,  Eric Chan ,  Mark Orttung ,  Darren Linscott

IPC: G06Q20/04

CPC classification number: G06Q20/1085 ,  G06Q20/042 ,  G06Q20/0425 ,  G06Q20/102

Abstract: Embodiments of the present disclosure may be used to scan a check or other payment instrument into an image file and apply a credit to one or more invoices associated with the entity, such as invoices issued by a business partner of the entity originating the check. Where there are multiple invoices outstanding invoices, embodiments of the present disclosure can selectively apply credits to such invoices based on input from the entity and/or based on rules defining how such credit are to be applied to the invoices.

Abstract translation: 本公开的实施例可以用于将支票或其他支付工具扫描成图像文件，并将信用量应用于与该实体相关联的一个或多个发票，例如由发起支票的实体的业务伙伴发行的发票。 在存在多个发票未结清发票的情况下，本公开的实施例可以基于来自实体的输入和/或基于定义如何将这种信用证应用于发票的规则来选择性地将信用额应用于这种发票。