Patent ID: 7574389

Claim:
A computer-implementable method for providing a business-to-business payment service through a computer server, comprising: receiving at the server notification of an amount owed from a first business to a second business per an agreed upon transaction; verifying that a first employee of the first business has been granted a privilege to authorize payment of the amount owed on behalf of the first business by: receiving from a remote super user employee of the first business a command to grant the first employee a privilege to authorize payments up to a specified limit on behalf of the first business, storing in a database a record that indicates that the first employee has been granted the privilege to authorize payments up to the specified limit on behalf of the first business, finding the record in the database, and determining by the server that the amount owed is not greater than the specified limit; receiving from a remote computer of the first employee of the first business a command to pay the second business the amount owed; ordering by the server a first transfer of the amount owed from a bank account of the first business into a first intermediary bank account through direct debit of the bank account of the first business; and ordering by the server a second transfer of the amount owed from a second intermediary bank account to a bank account of the second business via a direct deposit into the bank account of the second business.