Patent ID: 7769649

Claim:
In a transaction management and financial services system configured to communicate between a server and at least one remote device via a network, a method comprising: Providing a screen display indicating an affiliation with a referring party; Receiving a referral from the referring party, the referral including information regarding any of a financing-seeking party that has been declined by the referring party, a transaction management-seeking party, a trade credit-seeking party, and a credit guarantee-seeking party; Receiving commercial transaction information associated with the referral; Storing the information regarding the referral and the received commercial transaction information in a storage device; Determining, by a computer system, whether the referral satisfies system-based parameters; If the referral satisfies system-based parameters, determining, by the computer system, whether the system has sufficient information to engage the referral; If the system has sufficient information, engaging the referral; If the referral becomes engaged, establishing an account for the referral; Providing, by the computer system, operations which can be performed by the referral, the operations associated with managing a commercial transaction; Capturing data access information, by the computer system, associated with what data is accessed by the referral using the provided operations; Forming a profile, by the computer system, for the referral that includes the captured data access information; and Storing the formed profile in the storage device.