Patents by Inventor Zipora Brown

Zipora Brown 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).

  • Financial management system including an offset payment process
    Patent number: 6910021
    Abstract: The present invention is a system that includes a first financial management system handling receivables and a second financial management system handling payables. The receivables system sends debt offset information to an offset payment system and the payables system sends payment information to the offset payments system. The offset payment system either makes a payment or offsets the payment with the debt. Both of the financial management systems receive offset information from the offset payment system. The system designates, in the respective separate receivables and payables systems, debt and payments that are suitable for offset using threshold criteria such as age, amount, party, number of notices of delinquency, etc. The system allows administrative fees and other charges, such as interest and penalties, to be added to the debt as well as the limiting of the percentage applicable to the offset at the time of the referral.
    Type: Grant
    Filed: January 23, 2003
    Date of Patent: June 21, 2005
    Assignee: American Management Systems, Inc.
    Inventors: Zipora Brown, Michael Vernon Baker
  • Financial management system including an offset payment process
    Publication number: 20040193542
    Abstract: The present invention is a system that includes a first financial management system handling receivables and a second financial management system handling payables. The receivables system sends debt offset information to an offset payment system and the payables system sends payment information to the offset payments system. The offset payment system either makes a payment or offsets the payment with the debt. Both of the financial management systems receive offset information from the offset payment system. The system designates, in the respective separate receivables and payables systems, debt and payments that are suitable for offset using threshold criteria such as age, amount, party, number of notices of delinquency, etc. The system allows administrative fees and other charges, such as interest and penalties, to be added to the debt as well as the limiting of the percentage applicable to the offset at the time of the referral.
    Type: Application
    Filed: April 8, 2004
    Publication date: September 30, 2004
    Applicant: American Management Systems, Inc.
    Inventors: Zipora Brown, Michael Vernon Baker
  • Financial management system including an offset payment process
    Publication number: 20030135461
    Abstract: The present invention is a system that includes a first financial management system handling receivables and a second financial management system handling payables. The receivables system sends debt offset information to an offset payment system and the payables system sends payment information to the offset payments system. The offset payment system either makes a payment or offsets the payment with the debt. Both of the financial management systems receive offset information from the offset payment system. The system designates, in the respective separate receivables and payables systems, debt and payments that are suitable for offset using threshold criteria such as age, amount, party, number of notices of delinquency, etc. The system allows administrative fees and other charges, such as interest and penalties, to be added to the debt as well as the limiting of the percentage applicable to the offset at the time of the referral.
    Type: Application
    Filed: January 23, 2003
    Publication date: July 17, 2003
    Applicant: American Management Systems, Inc.
    Inventors: Zipora Brown, Michael Vernon Baker
  • Financial management system including an offset payment process
    Patent number: 6532450
    Abstract: The present invention is a system that includes a first financial management system handling receivables and a second financial management system handling payables. The receivables system sends debt offset information to an offset payment system and the payables system sends payment information to the offset payments system. The offset payment system either makes a payment or offsets the payment with the debt. The financial management systems receive offset information from the offset payment system. The system designates debt and payments that are suitable for offset using threshold criteria. The system allows administrative fees and other charges, such as interrest and penalties, to be added to the debt. During the referral of the debt to the offset payments system, the debtor as well as other parties, such as credit bureaus, are informed or notified of the delinquent debt.
    Type: Grant
    Filed: December 9, 1998
    Date of Patent: March 11, 2003
    Assignee: American Management Systems, Inc.
    Inventors: Zipora Brown, Michael Vernon Baker