Patent ID: 8571977

Claim:
A system comprising a server comprising a computer readable medium, wherein the server executes: control logic on the computer readable medium that monitors a plurality of transactions between a buyer and a seller, wherein for each transaction, a payment is owed by the buyer to the seller; and control logic on the computer readable medium that allows a seller bank to offer seller bank receivable discounting aggregation (SBRDA) to the seller using information collected from monitoring the plurality of transactions; wherein the seller bank handles processing of receivables for the plurality of transactions on behalf of the seller, wherein the control logic on the computer readable medium that allows the seller bank to offer the seller bank receivable discounting aggregation (SBRDA) to the seller further comprises control logic that builds a tranche based on a set of criteria specified by the seller bank, wherein the tranche is associated with an aggregation of receivables, the receivables comprising secured and unsecured receivables, wherein the secured receivables are guaranteed by one or more buyer banks; control logic that presents the tranche as a line of credit to the seller; control logic on the computer readable medium that monitors activities incurred with respect to the tranche; and control logic on the computer readable medium that modifies the tranche in response to the monitored activities.