Accounts payable automation system with automated discount and factoring management

摘要

An accounts payable automation server system with integrated discount and factoring management, the system comprises an invoice loader receiving invoice data. The invoice data includes at least a vendor element and an amount payable element. The vendor element identifies a vendor and the amount payable element identifies consideration payable by the customer to the vendor. Customer user access workflows present, to a customer system, the invoice data. Finance company user access workflows: i) present, to a finance system, the vendor element and the amount payable element; and ii) receive, from the finance system, an offer of early payment in exchange for a discount of the consideration payable. Vendor user access workflows: i) present, to the vendor system, the offer of early payment in exchange for a discount of the consideration payable; and ii) receive an acceptance of the offer from the vendor system. The finance company user access workflows further, upon acceptance of the offer, present, to the finance system, an indication of the acceptance of the offer. Further, upon payment of a discounted amount from the finance company to the vendor, a direction to transfer payment of the consideration to the finance company is recorded.