Patent ID: 7685068

Claim:
A system for conducting a business transaction between a client and a merchant comprising: a transaction operator processor; at least one client communication device; at least one payment provider processor configured to perform automated transfers of payment on the client's behalf, separate and distinct from the transaction operator processor; at least one client service provider processor, separate and distinct from the transaction operator processor, and configured to store client profile data corresponding to the client, the client profile data including a client ID identifying said client and the at least one payment provider processor that is authorized to perform an automated transfer of payment on the client's behalf, the client service provider processor configured to provide the client profile data to the at least one payment provider processor in response to a request from the transaction operator processor; at least one merchant processor configured to receive a client ID and a corresponding order to deliver at least one of a service and product from said client communication device, and responsive receiving said order and said client ID, to send a transaction request to said transaction operator processor; wherein said transaction operator processor being configured, responsive to receiving said transaction request from the merchant processor, to request said at least one client service provider processor to communicate said client profile data to said transaction operator processor, receive said client profile data, and to execute the transaction by communicating corresponding transaction payment data extracted from the client profile data to the least one payment provider processor identified within the client profile data as being authorized to perform automated transfers of payment on the client's behalf; and wherein the at least one payment provider processor is configured to transfer a payment to the merchant on the client's behalf responsive to receiving the transaction payment data from the transaction operator processor.