Patent ID: 7962415

Claim:
A computer-implemented method for automatically authorizing transactions based on predefined instructions, the method comprising: receiving a request related to a potential transaction that includes at least three distinct parties, the at least three distinct parties including a first party and a second party and a third party, the potential transaction including the second party providing at least one service for a fee to at least one of the first and third parties and including an associated financial payment from at least one of the first and third parties to the second party for the providing of the at least one service; obtaining a first reference token of the first party, a second reference token of the second party, and a third reference token of the third party, the first, second and third reference tokens being obtained for use in determining whether to authorize the potential transaction, the first reference token being associated with a first predefined payment instruction rule set of the first party that includes one or more rules for determining whether to authorize transactions on behalf of the first party, the second reference token being associated with a second predefined payment instruction rule set of the second party that includes one or more rules for determining whether to authorize transactions on behalf of the second party, and the third reference token being associated with a third predefined payment instruction rule set of the third party that includes one or more rules for determining whether to authorize transactions on behalf of the third party; under control of one or more configured computing systems, automatically determining to authorize the potential transaction based at least in part on the first, second and third payment instruction rule sets being determined to be compatible; and facilitating providing by the second party of the at least one service for the potential transaction.