Jpmorgan Chase Bank, N.a.

Edify Corporation

Xuan McRae

Duc Lam

Matthew Roland

Charles H Jolissaint

Mathew Roland

George Fan

Robert Moore

Kenneth E Waln

Celeste Wyman

Elliott B Shem

John E Duffy

Ramnath Shanbhogue

Immanuel Kan

A computer-implemented method and electronic system are provided in which payment information is exchanged between a buyer and a seller. A user interface is provided that facilitates seller selection of an identified payment data and amount for early payment. The system operates on the seller selections to identify invoices that may be discounted based on seller selections and offers the discount to the buyer.

Methods and systems for discounts management

A computer-implemented method and electronic system are provided in which payment information is exchanged between a buyer and seller. A user interface is provided that facilitates seller selection of an identified payment date and amount for early payment. The system operates on the seller selections to identify invoices that may be discounted based on seller selections and offers the discount to the buyer.

A computerized system and method of calculating a discount index value for a supplier can include receiving information related to a plurality of discount leverage factors for the supplier, calculating a discount index value for the supplier based on the information related to the discount leverage factors, receiving information related to an actual discount event for the supplier, recalculating the discount index value for the supplier based on the discount leverage factors and the information related to actual discount events, and displaying the discount index value for the supplier. The system and method can also include placing the discount index value on a discount index scale, defining a plurality of discount leverage regions on the discount index scale, and attributing a leverage value to the supplier based on the proximity of the discount index value to one of the discount leverage regions.

Index for assessing discount potential

An embodiment of the invention is directed to a computer implemented business method in an electronic system in which payment information is exchanged between a buyer and a seller. Approval is received from the buyer of an electronic invoice received by the buyer. At a time when no agreed upon discount is available based on the invoice or pre-agreed terms between the buyer and the seller, a request is received from the buyer to offer the seller early payment in exchange for a discount of the amount owed. The discount is based on an annual hurdle rate provided to the system by the buyer. The offer is presented to the seller on the seller's user interface, and a clickable button is provided for the seller to indicate selection of such offer. In another embodiment of the invention, in an electronic system in which payment information is exchanged between buyers and at least a seller, an identification of a date upon which a seller would like to receive early payment is received through a computer input associated with the seller. Another embodiment of the invention is directed to a relationship between a buyer and a seller where there is a standard discount term, and there is also a discount term in a respective invoice. Another embodiment of the invention is directed to a method related to enrollment of a new seller in the system.

A method of implementing buyer and seller transactions is provided. A set of rules for accepting information into a document is received from the buyer. Also defined is the form of the presentation of an interface to the seller for creating the seller's invoice. The seller also receives address information from the buyer. The rules for accepting information, the rules regarding presentation and the address information are stored in a storage resource. The rules regarding presentation are accessed from the storage resource, and an interface is presented to the seller based on those rules. The rules for accepting information are accessed from the storage resource, and information for the document based on those rules is accepted through the interface. The address information is accessed from the storage resource, and the document with the accepted information is sent to the buyer.

System and method for payer (buyer) defined electronic invoice exchange

A method for facilitating resolution of a dispute between a buyer and a seller in an electronic payment system is provided. An electronic payment system is also described. An invoice is received from the seller and is electronically routed to the individuals in the buyer's organization. Indications that the invoice is disputed, corrections to the invoice, comments for the seller regarding the invoice and comments for other individuals in the buyer's organization are received from a set of two or more individuals in the buyer's organization. An indication that the invoice is disputed, corrections to the invoice and comments for the seller are forwarded to the seller without forwarding the comments for other individuals in the buyer's organization. A response to the buyer's indication that the invoice is disputed is received from the seller. The response includes an acceptance of changes suggested by the buyer or an indication that the seller disputes the changes suggested by the buyer. Payment is withheld for the invoice until an indication from the buyer has been received that the buyer has determined that the invoice has been paid. The indication, corrections and comments to the seller may be forwarded to the seller in an electronic mail message.

Method and system for buyer centric dispute resolution in electronic payment system

A system and method are provided for routing data base information obtained in an automated Internet message response to a subsequently selected live agent. An electronic workforce identifies the customer, pulls customer identification, pulls a record on the customer, provides information requested by customer, and permits the customer to select a live agent, provides the live agent number to determine the network identification number. Accordingly, the live agent receives data base information on a customer at the time the live agent begins conversation with the customer.

Web page synchronization system and method

A computer-based information exchange system permits customers to request and receive different types of information from various sources. The operation of the system is controlled by an application created using object oriented techniques. These techniques permit simple and straightforward creation and modification of complex automation tasks involving numerous action-object pairs.

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Fremont, CA, United States of America

Xuan McRae