Patent ID: 8566231

Claim:
A system comprising a server and a computer readable medium stored on the server, wherein the server executes: control logic on the computer readable medium for monitoring a plurality of transactions between a buyer and a seller, wherein for each transaction in the plurality of transactions, a payment is owed by the buyer to the seller; control logic on the computer readable medium for allowing a buyer bank to offer buyer bank payable discounting aggregation (BBPDA) to the seller using information collected from monitoring the plurality of transactions; wherein the buyer bank handles processing of payables for the plurality of transactions on behalf of the buyer; wherein the control logic configured to allow the buyer bank to offer buyer bank payable discounting aggregation (BBPDA) to the seller further comprises control logic on the computer readable medium for building a tranche based on a set of criteria specified by the buyer bank, wherein the tranche is associated with one or more payables corresponding to one or more of the plurality of transactions, wherein at least one of the one or more payables is unsecured; and control logic on the computer readable medium for presenting the tranche as a line of credit to the seller, and wherein the system further comprises control logic on the computer readable medium for informing the buyer bank once the tranche has been built according to the set of criteria.