Patents by Inventor René A. Lacerte

René A. Lacerte has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Publication number: 20180322547
    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.
    Type: Application
    Filed: July 10, 2018
    Publication date: November 8, 2018
    Inventors: René Lacerte, Mark Orttung, Eric Chan, Robert S. Lam
  • Patent number: 10043201
    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.
    Type: Grant
    Filed: March 11, 2011
    Date of Patent: August 7, 2018
    Assignee: BILL.COM, INC.
    Inventors: Rene Lacerte, Mark Orttung, Eric Chan, Robert S. Lam
  • Patent number: 8738483
    Abstract: Enhanced systems and methods for processing invoices, payments, and money transfers are described.
    Type: Grant
    Filed: April 14, 2011
    Date of Patent: May 27, 2014
    Assignee: Bill.com, Inc.
    Inventors: Mark Orttung, Rene Lacerte, Eric Chan, Robert S. Lam
  • Publication number: 20140129431
    Abstract: Enhanced systems and methods for processing invoices, checks, and money transfers are described. Various aspects include the following: Invoices are compared to distinguishing features of known templates. Templates of matching features are used to extract data in the invoices. Enhanced payment documents are generated to include images of related invoices to ensure proper deposit. Payee information solicited from a payee is printed on an endorsement section of a check payable to the payee to ensure proper deposit. The payee information can be verified through a mock transaction. Unique invoice numbers and payor numbers are included in invoices to ensure proper accreditation of payments of the invoices. Money transfers among accounts of different banks are effected through master accounts in the different banks.
    Type: Application
    Filed: January 30, 2009
    Publication date: May 8, 2014
    Applicant: bill.com, inc.
    Inventors: Mark Orttung, Rene Lacerte
  • Patent number: 8521626
    Abstract: Enhanced systems and methods for processing invoices, checks, and money transfers are described. Various aspects include the following: Invoices are compared to distinguishing features of known templates. Templates of matching features are used to extract data in the invoices. Enhanced payment documents are generated to include images of related invoices to ensure proper deposit. Payee information solicited from a payee is printed on an endorsement section of a check payable to the payee to ensure proper deposit. The payee information can be verified through a mock transaction. Unique invoice numbers and payor numbers are included in invoices to ensure proper accreditation of payments of the invoices. Money transfers among accounts of different banks are effected through master accounts in the different banks.
    Type: Grant
    Filed: June 12, 2009
    Date of Patent: August 27, 2013
    Assignee: Bill.com, Inc.
    Inventors: Mark Orttung, Rene Lacerte
  • Publication number: 20110196786
    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 determining trustworthiness and familiarity of entities for a billing and payment system, the method comprising: categorizing entities into the following four categories based on their trustworthiness and familiarity to the billing and payment system: (1) a first zone for well-known and trusted entities, (2) a second zone for entities that are familiar but not well-known or not as trusted, (3) a third zone for entities that are new to the billing and payment system, and (4) a fourth zone for other entities; re-categorizing entities based at least on their payment transactions made through the billing and payment system during the time they are with the billing and payment system; and treating the entities of different categories differently according to their categories.
    Type: Application
    Filed: April 14, 2011
    Publication date: August 11, 2011
    Inventors: Rene Lacerte, Mark Orttung, Eric Chan, Robert S. Lam
  • Publication number: 20110196771
    Abstract: Enhanced systems and methods for processing invoices, payments, and money transfers are described.
    Type: Application
    Filed: April 14, 2011
    Publication date: August 11, 2011
    Inventors: Rene Lacerte, Mark Orttung, Eric Chan, Robert S. Lam
  • Publication number: 20110184843
    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 making payments between a plurality of different payors and a plurality of different issuers through a payment system, comprising: retrieving a plurality of invoices issued by a plurality of different issuers and issued to a plurality of different payors; receiving a request from at least one of the plurality of different payors for making a payment to at least one of the plurality of different issuers in response to at least one of the plurality of invoices; and in response to receiving the request, making a payment from a bank account of said payors to a bank account of said issuer without disclosing the bank accounts.
    Type: Application
    Filed: March 11, 2011
    Publication date: July 28, 2011
    Applicant: BILL.COM, INC.
    Inventors: Mark Orttung, René Lacerte
  • Publication number: 20110184868
    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.
    Type: Application
    Filed: March 11, 2011
    Publication date: July 28, 2011
    Applicant: BILL.COM, INC.
    Inventors: René Lacerte, Mark Orttung, Eric Chan, Robert S. Lam
  • Patent number: 7809615
    Abstract: The recognition of invoices for multiple issuers and multiple recipients is automated. In one approach, many invoices are received. The received invoices are compared to a database of distinguishing features. These distinguishing features are for known templates of invoices from different issuers. Templates are selected for the invoices based on the comparisons to the distinguishing features. This also identifies the issuers for the invoices. Data is extracted from the invoices based on the selected templates. In this way, invoice capture can be automated.
    Type: Grant
    Filed: March 31, 2008
    Date of Patent: October 5, 2010
    Assignee: Bill.com, Inc.
    Inventors: Tommy Hui, Rene Lacerte, Mark Orttung
  • Patent number: 7809616
    Abstract: Enhanced systems and methods for processing invoices, checks, and money transfers are described. Various aspects include the following: Invoices are compared to distinguishing features of known templates. Templates of matching features are used to extract data in the invoices. Enhanced payment documents are generated to include images of related invoices to ensure proper deposit. Payee information solicited from a payee is printed on an endorsement section of a check payable to the payee to ensure proper deposit. The payee information can be verified through a mock transaction. Unique invoice numbers and payor numbers are included in invoices to ensure proper accreditation of payments of the invoices. Money transfers among accounts of different banks are effected through master accounts in the different banks.
    Type: Grant
    Filed: June 12, 2009
    Date of Patent: October 5, 2010
    Assignee: Bill.com, Inc.
    Inventors: Mark Orttung, Rene Lacerte
  • Patent number: 7720760
    Abstract: A method for authenticating a user, the method including: receiving a first value associated with an account from the user, receiving a second value associated with the account from an automated system, comparing the first value with the second value to generate a comparison, and authenticating the user based on the comparison.
    Type: Grant
    Filed: May 29, 2008
    Date of Patent: May 18, 2010
    Assignee: Intuit Inc.
    Inventors: Scott D. Cook, Rene A. Lacerte
  • Publication number: 20090198599
    Abstract: The recognition of invoices for multiple issuers and multiple recipients is automated. In one approach, many invoices are received. The received invoices are compared to a database of distinguishing features. These distinguishing features are for known templates of invoices from different issuers. Templates are selected for the invoices based on the comparisons to the distinguishing features. This also identifies the issuers for the invoices. Data is extracted from the invoices based on the selected templates. In this way, invoice capture can be automated.
    Type: Application
    Filed: March 31, 2008
    Publication date: August 6, 2009
    Applicant: BILL.COM, INC.
    Inventors: Tommy Hui, Rene Lacerte, Mark Orttung
  • Patent number: 7395241
    Abstract: Consumer directed transfers of funds over the Internet are provided by a combination of systems and networks, including the Internet, email, and the Automated Clearinghouse system (ACH). A host system provided by a funds transfer service manages requests of senders to transfer funds and further manages responses of receivers to claim funds. The host system allows the sender to initiate the funds transfer by specifying the amount of the transfer and information for contacting the receiver, without the need to specify the account of the receiver for receiving the funds. Instead, the host system contacts the receiver and informs the receiver of the available funds; the receiver can then provide the necessary target account information for completing the funds transfer. The ACH is used to effect the transfer of funds, with the host system providing instructions for ACH entries to its financial institution using account information separately received from the sender and receiver.
    Type: Grant
    Filed: January 19, 2000
    Date of Patent: July 1, 2008
    Assignee: Intuit Inc.
    Inventors: Scott D. Cook, Rene A. Lacerte
  • Patent number: 6411938
    Abstract: Online client-server payroll processing is provided by a client computer executing a combined accounting and payroll software product that administers both financial accounting functions (e.g., various expense and income accounts) and payroll functions including setup and maintenance of employee and employer payroll information, and which calculates paycheck information for selected employees, using the payroll setup information and stored tax table information. The software is used to locally print payroll checks for those employees not receiving their pay by direct deposit, and to print advice of deposit slips for this latter type of to employee. The calculated payroll information is transmitted over a communications network, such as the Internet, to a payroll computer system. The payroll computer system checks the integrity of the transmitted payroll, and effects the appropriate ACH transactions for those employee who are paid by direct deposit.
    Type: Grant
    Filed: September 14, 1999
    Date of Patent: June 25, 2002
    Assignee: Intuit, Inc.
    Inventors: Martin O. Gates, René A. Lacerte, Robert G. Sage