Patent ID: 7937322

Claim:
A computer-implemented method for providing a business-to-business payment service through a payment enabler computer server independent of the businesses involved in a transaction, comprising: receiving and storing, in at least one database registration associated with a payment enabler computer server independent of businesses involved in a transaction, information corresponding to a transaction privilege assigned to an authorized person associated with a first business; receiving at the payment enabler server notification of an amount owed from the first business to a second business per an agreed upon transaction; verifying by the payment enabler server that a first employee of the first business is an authorized person associated with the first business who has been granted a privilege on behalf of the first business by reference to registration information stored in the at least one database; receiving at the payment enabler server from a remote computer of the first employee of the first business a command to pay the second business the amount owed; in response to receipt of the command to pay the second business from the first employee verified in the verifying step, ordering a first transfer of the amount owed from a bank account of the first business into an intermediary bank account through direct debit of the bank account of the first business; and ordering a second transfer of the amount owed from the intermediary bank account to a bank account of the second business via a direct deposit into the bank account of the second business.