Methods for automating financial transactions

This invention describes a system for banks to provide advanced data services to their business clients, specifically for managing supply chain transactions. It works by combining standard financial payment information (like bank account, amount, and time of payment) with detailed data about the underlying commercial supply chain transactions (such as customer/supplier identification and related documents). This combined data, structured using a common data model, helps businesses manage their accounts, assess credit, and make purchasing and sales decisions related to their supply chain.