Event-triggered business-to-business electronic payment processing apparatuses, methods and systems

A business-to-business transaction processing system, comprising:

• means for receiving a user triggering event indication upon user instantiation of a web enabled mobile computing device at a B2B-Pay terminal of a first business entity, said user triggering event indication comprises a business-to-business payment event indication, said first business entity being different from the user, said web enabled mobile computing device providing user interface elements for the user to interact with user interface elements provided by the B2B-Pay terminal;
• means for obtaining a purchase payment request from the received user triggering event indication;
• means for determining a second business entity sponsoring the purchase payment by parsing the purchase payment request, said second business entity being different from the first business entity and the user, said determining comprises receiving an instruction in response to a selection from the user for the second business entity on the web enabled mobile computing device;
• means for obtaining purchase sponsoring instructions provided by the second business entity, said obtained purchase sponsoring instructions comprising verifying payment eligibility data of the user;
• means for determining a payment sponsoring amount from the second business entity to the first business entity in response to the obtained purchase sponsoring instructions and the obtained purchase payment request;
• means for generating a business-to-business financial transaction request for the second business entity to transfer the determined payment sponsoring amount to the first business entity;
• means for initiating a business-to-business financial transaction between the second business entity to the first business entity in response to the received user triggering event indication by sending the generated business-to-business financial transaction request to the second business entity;
• means for receiving a payment amount adjudication indication from the second business entity;
• means for retrieving account details of a first bank account of the first business entity and a second bank account of the second business entity, said first bank account being different from the second bank account and being different from a user bank account of the user;
• and
• means for transacting the adjudicated payment amount from the second bank account of the second business entity to the first bank account of the first business entity.

A business-to-business transaction processing apparatus, comprising:

• a memory;
• a processor disposed in communication with said memory, and configured to issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to:
• receive a user triggering event indication by a user upon user instantiation of a web enabled mobile computing device at a B2B-Pay terminal of a first business entity, said user triggering event indication comprises a business-to-business payment event indication, said first business entity being different from the user, said web enabled mobile computing device providing user interface elements for the user to interact with user interface elements provided by the B2B-Pay terminal;
• obtain a purchase payment request from the received user triggering event indication;
• determine a second business entity sponsoring the purchase payment by parsing the purchase payment request, said second business entity being different from the first business entity and the user, said determine comprises receive an instruction in response to a selection from the user for the second business entity on the web enabled mobile computing device;
• obtain purchase sponsoring instructions provided by the second business entity, said obtained purchase sponsoring instructions comprising verifying payment eligibility data of the user;
• determine a payment sponsoring amount from the second business entity to the first business entity in response to the obtained purchase sponsoring instructions and the obtained purchase payment request;
• generate a business-to-business financial transaction request for the second business entity to transfer the determined payment sponsoring amount to the first business entity;
• initiate a business-to-business financial transaction between the second business entity to the first business entity in response to the received user triggering event indication by sending the generated business-to-business financial transaction request to the second business entity;
• receive a payment amount adjudication indication from the second business entity;
• retrieve account details of a first bank account of the first business entity and a second bank account of the second business entity, said first bank account being different from the second bank account and being different from a user bank account of the user;
• and
• transact the adjudicated payment amount from the second bank account of the second business entity to the first bank account of the first business entity.

A business-to-business transaction processing processor-readable non-transitory medium storing processor-executable instructions executable by a processor to:

• receive a user triggering event indication upon user instantiation of a web enabled mobile computing device at a B2B-Pay terminal of a first business entity;
• obtain, by the processor, a purchase payment request from the received user triggering event indication, said user triggering event indication being received upon user instantiation of the web enabled mobile computing device at the B2B-Pay terminal at the first business entity, said user triggering event indication comprises a business-to-business payment event indication, said first business entity being different from the user, said web enabled mobile computing device providing user interface elements for the user to interact with user interface elements provided by the B2B-Pay terminal;
• determine, by the processor, a second business entity sponsoring the purchase payment by parsing the purchase payment request, said second business entity being different from the first business entity and the user, said determining comprises receiving an instruction in response to a selection from the user for the second business entity on the web enabled mobile computing device;
• obtain, by the processor, purchase sponsoring instructions provided by the second business entity, said obtained purchase sponsoring instructions comprising verifying payment eligibility data of the user;
• determine, by the processor, a payment sponsoring amount from the second business entity to the first business entity in response to the obtained purchase sponsoring instructions and the obtained purchase payment request;
• generate, by the processor, a business-to-business financial transaction request for the second business entity to transfer the determined payment sponsoring amount to the first business entity;
• initiate, by the processor, a business-to-business financial transaction between the second business entity to the first business entity in response to the received user triggering event indication by sending the generated business-to-business financial transaction request to the second business entity;
• receive, by the processor, a payment amount adjudication indication from the second business entity;
• retrieve, by the processor, account details of a first bank account of the first business entity and a second bank account of the second business entity, said first bank account being different from the second bank account and being different from a user bank account of the user;
• and
• transact, by the processor, the adjudicated payment amount from the second bank account of the second business entity to the first bank account of the first business entity.