Patent ID: 8744960

Claim:
A business-to-business gateway having one or more processors executing instructions for conducting business-to-business payments, the business-to-business gateway comprising: a receiver, the receiver implemented by the one or more processors and operable to receive a batch of payment instructions from one or more buyer accounts payable; a parser in communication with the receiver, the parser implemented by the one or more processors and operable to: parse the batch of payment instructions into one or more discrete payment instructions; and determine a batch settler to which to send the discrete payment instruction based on to which payment system the payment instruction is directed and on information in the payment instruction; one or more batch settlers in communication with the parser, each of the one or more batch settlers associated with a payment system, the one or more batch settlers implemented by the one or more processors and operable to: receive the one or more discrete payment instructions and batch one or more payment instructions common to a supplier of a product or service; and batch the one or more payment instructions common to a supplier of product or service into a payment batch; and one or more senders, the one or more senders in communication with one or more of the batch settlers, the one or more senders implemented by the one or more processors and operable to send the one or more payment instructions to one or more suppliers of a product or service, the one or more senders operable to send one or more payment instructions over one of the one or more payment systems.