Patent ID: 7584152
Filing Date: 2009-09-01
Classification: G06Q,G07F

Abstract:
1. A computer-implemented method for a third-party transaction authorizer to automatically authorize programmatic transactions between parties, the method comprising: receiving an indication of a programmatic transaction between at least first and second parties that includes the second party providing a requested service to the first party and an associated financial payment from the first party to the second party for the service, the first and second parties distinct from the third-party transaction authorizer; receiving indications of a first reference token of the first party and a second reference token of the second party for use in determining whether to authorize the programmatic transaction; retrieving a first predefined payment instruction rule set for the first party that is associated with the first token and a second predefined payment instruction rule set for the second party that is associated with the second token, the first reference token being one of the multiple distinct reference tokens of the first party that are each associated with one of multiple distinct payment instruction rule sets of the first party; automatically, under control of one or more programmed computing systems, determining whether the retrieved first and second payment instruction rule sets are compatible so as to authorize the programmatic transaction; and after the first and second payment instruction rule sets are determined to be compatible, providing the associated financial payment to the second party on behalf of the first party, so as to facilitate provision of the service to the first party from the second party.