Systems and methods for business-to-business commerce automation

A method for business-to-business commerce automation between a buyer and a seller using a payment facilitator, comprising:

• a supplier requesting, from a payment facilitator, a unique identifier for an invoice for a buyer;
• the supplier receiving the unique identifier from the payment facilitator;
• a supplier bank receiving a payment file from a buyer bank, the payment file comprising a supplier identifier, a unique remittance number, and a payment;
• the supplier bank retrieving supplier account information for the supplier identifier;
• and
• the supplier bank depositing the payment to an account for the supplier based on the supplier account information.

A system for business-to-business commerce automation between a buyer and a seller using a payment facilitator, comprising:

• a supplier that supplies a good or service;
• a supplier bank, the supplier having an account with the supplier bank;
• a buyer that buys the good or service from the supplier;
• a buyer bank, the buyer having an account with the buyer bank;
• and
• a payment facilitator interfacing with the supplier, the supplier bank, the buyer, and the buyer bank;
• wherein:
• using a supplier Enterprise Resource Planning (ERP) system interface, the supplier requests a unique identifier for an invoice for a buyer from a payment facilitator;
• the payment facilitator automatically assigns the unique identifier to the invoice;
• the buyer receives the unique identifier and the associated invoice;
• using a buyer ERP system, the buyer assigns a payment status to the associated invoice;
• the payment facilitator receives the payment status from the buyer ERP system and assigns a unique remittance number to the associated invoice and its payment status;
• the payment facilitator sends the unique remittance number to the buyer bank;
• the buyer bank provides payment instructions to the supplier bank;
• and
• the supplier bank receives the payment and deposits the payment into a supplier account.