Patent ID: 8719164

Claim:
A non-transitory machine-readable medium comprising a plurality of machine-readable instructions to perform a computer-implemented method, comprising: receiving an authorization request from a merchant for a purchase order, the request comprising at least one field from a transaction data set during a transaction between a business entity and a merchant; establishing, by a provider, a credit-based relationship and an initial relationship with the business entity during the transaction based at least in part upon at least one data field of the business entity data set and at least one data field of the transaction data set communicated thereto from the merchant, wherein the establishing comprises electronically receiving and processing information about the business entity, information about a contact person, and information whether a personal guarantor is used; electronically communicating an authorization response, by a payment processor of the provider, to at least one of the merchant and the business entity during the transaction; receiving an add-on to the authorization request; and processing the authorization request and add-on without reauthorizing if the add-on is made within a certain time period from the authorization request and the add-on is within a certain percentage of an amount of authorization request for the purchase order.