Patents by Inventor Xuan McRae
Xuan McRae 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).
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Patent number: 11308549Abstract: 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.Type: GrantFiled: October 30, 2019Date of Patent: April 19, 2022Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Xuan McRae, Duc Lam, Matthew Roland
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Publication number: 20200065846Abstract: 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.Type: ApplicationFiled: October 30, 2019Publication date: February 27, 2020Applicant: JPMorgan Chase Bank, N.A.Inventors: Xuan MCRAE, Duc Lam, Matthew Roland
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Patent number: 10497016Abstract: 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.Type: GrantFiled: August 18, 2013Date of Patent: December 3, 2019Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Xuan McRae, Duc Lam, Matthew Roland
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Patent number: 8719078Abstract: 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.Type: GrantFiled: May 29, 2013Date of Patent: May 6, 2014Assignee: JPMorgan Chase Bank, N.A.Inventors: Xuan McRae, Mathew Roland, George Fan
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Patent number: 8554673Abstract: 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.Type: GrantFiled: December 1, 2004Date of Patent: October 8, 2013Assignee: JPMorgan Chase Bank, N.A.Inventors: Xuan McRae, Duc Lam, Matthew Roland
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Patent number: 8478637Abstract: 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.Type: GrantFiled: April 8, 2008Date of Patent: July 2, 2013Assignee: JPMorgan Chase Bank, N.A.Inventors: Xuan McRae, Mathew Roland, George Fan
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Patent number: 8401939Abstract: 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.Type: GrantFiled: February 11, 2010Date of Patent: March 19, 2013Assignee: JPMorgan Chase Bank, N.A.Inventors: Duc Lam, Ramnath Shanbhogue, Immanuel Kan, Robert Moore, Xuan McRae
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Patent number: 8112355Abstract: 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.Type: GrantFiled: September 5, 2008Date of Patent: February 7, 2012Assignee: JPMorgan Chase Bank, N.A.Inventors: Duc Lam, Celeste Wyman, Xuan McRae
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Publication number: 20050283437Abstract: 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.Type: ApplicationFiled: December 1, 2004Publication date: December 22, 2005Inventors: Xuan McRae, Duc Lam, Matthew Roland
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Patent number: 6463149Abstract: 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.Type: GrantFiled: September 15, 1995Date of Patent: October 8, 2002Assignee: Edify CorporationInventors: Charles H. Jolissaint, Xuan McRae
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Patent number: 5455903Abstract: 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.Type: GrantFiled: May 31, 1991Date of Patent: October 3, 1995Assignee: Edify Corp.Inventors: Charles H. Jolissaint, Elliott B. Shem, Xuan McRae, Kenneth E. Waln, John E. Duffy