| 摘要 |
A business derives its cost to pay accounts payable (A/P) with a corporate card versus other payment methods, which derivation may be pre-populated by a general category. The business identifies each merchant to whom the business owes A/P who but does not accept the corporate card. A weighting factor is derived for each such merchant from costs of paying with and without the corporate card, as well as from its history of past payments to the merchant. The benefit to the business is derived, using the corresponding weighting factor, for each such merchant in paying the corresponding A/P to the merchant with the corporate card. Where the benefit exceeds a predetermined threshold, information is sent to each such merchant sufficient for the merchant to receive payment of the corresponding A/P with the corporate card. WO 2008/128108 PCT/US2008/060118 DERIVE TRANSACTION COST:: e COST FOR THE ACCOUNT HOLDER (A/H) To PAY A MERCHANT (M) ON THE A/H's CORPORATE CARD (CC) ACCOUNT; e COST OF A/H PAYING M WITHOUT USING CC; e SAVINGS OF A/H PAYING M WITH CC IDENTIFY MCS(A) EACH M THAT A/H HAS PAID IN THE PAST WITHOUT CC IDENTIFY MAP(B): EACH M THAT A/H OWES AN ACCOUNTS PAYABLE (A/P) 106 OR HAS ONE OR MORE OUTSTANDING PURCHASE ORDERS) IDENTIFY MQ(E): FOR EACH MAP(B), OBTAIN STATUS FROM TRANSACTION 108 HANDLER (T/H) AS TO ACCEPTING PAYMENT BY CC DERIVE MWGT(F): FOR CORRESPONDING MCS(A), USE WEIGHTING FACTOR(S) To DERIVE A WEIGHT FOR MQ(E) USING MWGT(F). DERIVE MCOST(G): 112 BENEFIT To A/H IN PAYING A/P TO MQ(E) USING CC IDENTIFY MAPLTR(H): 114 EACH MQ(E) FOR WHICH MCOST(G) EXCEEDS PREDETERMINED THRESHOLD SELECT FOR EACH MAPLTR(H): 116 INFORMATION REGARDING A/P TRANSMIT SELECTED INFORMATION 118 FOR DELIVERY TO EACH MAPLTR(H) FiQ. 1 Voo |
