200816067 九、發明說明： 【發明所屬之技術領域】 本發明係提供一種企業對企業的電子商務系統 及方法，特別係關於一種可為企業對企業（B2B)之間 提供線上交易機制及結合金融機構所提供融資服務 之機制與應付帳款預先支付之機制的電子商務系統 平台。 φ 【先前技術】 隨著資訊網路科技的興盛，網際網路在台灣已經 非常普及，根據資策會（2006年）的資料，經常上網 的人口高達42%，企業有上網的比例更超過了 8〇%， 因此’相關的網路科技應用也隨之而起。其中電子商 務平台則是網路科技的重要應用，而且也已為大部分 的企業所聽聞，但是企業對企業（B2B)電子商務的成 _ 長卻仍不如預期。B2B ( Business-to-Business )電 ' 子商務平台，聲稱能結合上下游廠商，達到資訊傳遞 - 與線上訂購等功能，提供更快速更節省成本的電子化 作業以取代傳統文書作業之流程，因而吸引了多數企 業的關注。 弟圖顯示習用B2B電子商務模式的概略架構， 其中’該習用B2B電子商務平台11係以伺服器連通 參與的供應商（賣方）12及採購商（買方）13，使 5 200816067 得各採購商可藉由該商務平台11來取得供應商之商 品或服務的資料，進而經由網路與供應商達成買賣交 易。然而，該習用B2B電子商務平台至目前為止的普 及度仍不如預期。 【發明内容】 是以，本發明的B2B電子商務系統及方法是用以 改善習用B2B電子商務平台的不足，本發明同時結合 了買方、賣方與金融機構，將買方、賣方與金融機構 的各自需求與功能做一整合，提高金流交易機制上的 實用性與便利性，使得買方、賣方與金融機構能在使 用本發明的B2B電子商務系統及方法下，能更契合企 業與市場的需求並獲得更多的效益，並因此提高市場 使用B2B電子商務平台的接受度，或者至少提供企業 界在使用B2B電子商務平台時之另一有利的選擇。 本發明之一目的在提供一種企業對企業的電子 商務系統及方法，其係將買方與賣方的網路交易行為 及金融機構提供的應付帳款融資行為做一整合，由於 賣方透過此一系統，可預先由金融機構取得買方之應 付帳款，因此使得買方有機會得到較以往更長的付款 時間，以得到更靈活更充裕的週轉金，並且買方可減 少利息負擔，又能降低採購成本，提高營運利基，因 而能提高買方利用電子商務系統進行交易的意願，或 6 200816067 者至少提供中τ游買方在線上交易上_有利的選擇。 本發明之又一目的在提供一種企業對企業的電 子商務系統及方法’其能使得賣方快速取得交易帳 款，並降低銷貨風險，且因為中下游買方購買意願的 提昇，而提高了該賣方的市場競爭力，因而能提高賣 方利用本電子商務系統進行交易的意願，或者至少提 供賣方在線上交易上一有利的選擇。 本發明之再一目的在提供一種企業對企業的電 子商務系統及方法，結合金融機構所提供融資服務之 機制，使本Β2Β電子商務系統平台能提供買賣雙方兼 具交易行為與財務運作之線上服務，增加金融機構融 貧業務與達成利息賺取的目的，達到提高金融機構使 用本電子商務系統的意願。 因此’本電子商務系統及方法能同時使得買方、 i方及金融機構三方都因為使用此Β2Β電子商務系 、、先平ό而取付利篮，以期能提局市場上使用B2B電子 商務平台的接受度。 依據本發明形成的電子商務系統，係包括： 一 B2B電子商務平台，用以提供要參與的複數個 買方、複數個賣方與複數個金融機構透過網路連通及 進行線上交易與金流服務； 7 200816067 係透過網路連通至該電子商務平台 至少-買方，係透過網路連通至該電子商務平台 的飼服器’並可經由該電子商務平台和參與的賣方進 行商品或服務之交易；200816067 IX. Description of the invention: [Technical field to which the invention pertains] The present invention provides a business-to-business e-commerce system and method, in particular, an online transaction mechanism and a combination of financial institutions for business-to-business (B2B) An e-commerce system platform that provides a mechanism for financing services and a prepayment mechanism for accounts payable. φ [Prior technology] With the prosperity of information network technology, the Internet has become very popular in Taiwan. According to the information from the Council (2006), the population of frequent Internet access is as high as 42%, and the proportion of enterprises with Internet access exceeds. 8〇%, so 'related network technology applications have followed. Among them, the e-commerce platform is an important application of network technology, and it has been heard by most enterprises. However, the business-to-business (B2B) e-commerce is still not as good as expected. B2B (Business-to-Business)'s sub-business platform claims to be able to combine upstream and downstream vendors to achieve information transfer and online ordering functions, providing faster and more cost-effective electronic operations to replace the traditional paperwork process. Attracted the attention of most companies. The figure shows the schematic structure of the traditional B2B e-commerce model, in which 'the B2B e-commerce platform 11 is a supplier (seller) 12 and a buyer (buyer) 13 connected by a server, so that 5 200816067 can be obtained by each buyer. The business platform 11 obtains information on the goods or services of the supplier, and then enters into a sale and purchase transaction with the supplier via the network. However, the popularity of the B2B e-commerce platform has not been as good as expected. SUMMARY OF THE INVENTION The B2B e-commerce system and method of the present invention are used to improve the deficiencies of the conventional B2B e-commerce platform. The present invention combines the buyer, the seller, and the financial institution to meet the respective needs of the buyer, the seller, and the financial institution. Integrate with functions to improve the practicability and convenience of the gold flow trading mechanism, so that buyers, sellers and financial institutions can better meet the needs of enterprises and the market under the B2B e-commerce system and method of the present invention. More benefits, and therefore increased market acceptance of B2B e-commerce platforms, or at least provide another advantageous option for the business community when using B2B e-commerce platforms. An object of the present invention is to provide a business-to-business e-commerce system and method, which integrates the online transaction behavior of the buyer and the seller and the account payable financing behavior provided by the financial institution, because the seller through the system, The buyer’s accounts payable can be obtained in advance by the financial institution, thus giving the buyer the opportunity to obtain longer payment times than before to obtain a more flexible and sufficient working capital, and the buyer can reduce the interest burden and reduce the procurement cost and increase the cost. Operating niche, thus increasing the buyer's willingness to use the e-commerce system for trading, or 6 200816067 at least provide a favorable choice for the online buyers on the online trading. Yet another object of the present invention is to provide a business-to-business e-commerce system and method that enables a seller to quickly obtain transaction accounts and reduce the risk of sales, and because the mid-stream and downstream buyers increase their purchase intention, the seller is improved. The market competitiveness can thus increase the seller's willingness to use the e-commerce system to conduct transactions, or at least provide the seller with a favorable choice for online transactions. A further object of the present invention is to provide a business-to-business e-commerce system and method, and a mechanism for financing services provided by a financial institution, so that the e-commerce system platform can provide online services for both buyers and sellers with both transaction behavior and financial operations. To increase the financial institutions' ability to integrate poverty into the business and earn interest, and to increase the willingness of financial institutions to use this e-commerce system. Therefore, the e-commerce system and method can simultaneously make the buyer, the i-party and the financial institution all use the Β2Β e-commerce system and the first squad to take the profit basket, in order to be able to accept the acceptance of the B2B e-commerce platform in the market. degree. The e-commerce system formed according to the present invention comprises: a B2B e-commerce platform for providing a plurality of buyers, a plurality of sellers and a plurality of financial institutions to participate through the network and conducting online transactions and financial services; 7 200816067 is connected to the e-commerce platform via the Internet, at least - the buyer, is connected to the e-commerce platform via the network' and can conduct goods or services through the e-commerce platform and the participating sellers;
v> ’、 逋至該電子商務 平。的伺服為’亚可經由核發融資額度給參與的買 方，達到提高融資服務的目的；及 ▲支付又易帳款的機制’係由金融機構將買賣雙 又易70成且在貝方融資額度内之應付帳款預先支 :給賣方，而取得融資的買方在一交易清償期限内將 "應付帳款繳㈣支付帳款的金融機構。v> ’, to the e-commerce level. The servo is for the purpose of improving the financing service for the participating buyers through the nuclear financing quota; and ▲ the mechanism for paying and facilitating the payment is based on the financial institution’s purchase and sale of the two-way and 70% of the financing amount. Accounts payable in advance: to the seller, and the buyer who obtained the financing will pay the account payable (4) to pay the financial institution within the time limit of the transaction settlement.
至少一賣方 的伺服器； 所述B2B電子商務平台的飼服器係被規劃以允許 多與的買賣企業與金融機構可進行資訊互動與金流 一所述金融機構係包含銀行、金融公司等可提供融 賁服務的法人。 案所稱買方係包含供應商、批發商、製造商、服務 #可提供商品或服務之法人；而買方係包含採購 β i"銷商、門市、服務業等採購商品或服務之法人。 所迷父易清償期限係由買方、賣方或金融機構之 至少—者來做決定。 8 200816067 所述預先支付交易帳款的機制包含一利息轉嫁 仃為，該利息轉嫁行為係將金融機構預先支付應付帳 款日期與該應付帳款之買方交易清償期限的期間差 所產生一應繳於金融機構的利息，而該利息由賣方負 擔，或買方部分負擔；又該利息的金額係可由買方、 貝方或金融機構之至少一方來做決定。 依據本發明形成的電子商務方法，係包含以下步 驟： 提供一電子商務系統平台用以使至少一買方、至 少一買方與至少一金融機構可透過網路連通而參與； 由參與的金融機構核發融資額度與融資額度期 限給參與的買方； 開放參與的買方在融資額度與融f額度的期限 内與參與的賣方進行商品或服務的交易； 由該核發融資額度的至少一家金融機構將買賣 雙方交易完成之應付帳款預先支付給賣方；及、 ▲取得融資的買方於—交易清償期限屆滿前將該 父易應付帳款清償予該預先支付應付帳款之金融機 構而該又易w員期限可由買方、賣方或金融機構之 至少一方來做決定。 上述核發融資的額度與融資額度期限的 9 200816067 中，最好可由買方提供營運與財務資料，由金融機 構、貝方或買方之至少一方來決定。 在该金融機構將應付帳款預先支付給賣方的步 驟中，進-步包含-利息轉嫁步驟，其係將金融機構 預先支付應付帳款日期與該應付帳款之買方交易清 侦期限的期間差所產生一應繳於金融機構的利息，而 該利息由賣方負擔，或買方部分負擔；又該利息的金 額係可由買方、賣方或金融機構之至少一方來做決 定。 /x 本發明的電子商務方法係進一步包含一逾期款 項處理步驟，買方之應付帳款未依約於清償期限屆滿 前清償之逾期款項所產生之利息時，利息由買方 m 〇 N 、 上述開放參與的買方在融資額度與融資額度的 期限内與參與特方進行商品或服務交易的步驟 係由貝方經由该電子商務系統平台向賣方下單， 再連線至核發融資額度之一金融機方籌比對交易金額 與剩餘額度，若額度夠用，則該交易行為與結合金融 機構所長1供應付帳款融資行為才完成。 關於本發明之其他目的、優點及特徵，將可由以 下較佳貫施例的詳細說明並參照所附圖式來了解。 【實施方式】 200816067 可有多種不同的結構來實施本發明。現將僅為例 子4非用以限制的一具體實施例，並參照所附圖式就 本發明之較佳結構内容說明如下： 參閱第二圖，顯示依據本發明構成的B2B電子商 務系統及方法，其包含一個以資訊網路科技為基礎所 架设的B2B電子商務平台2卜該電子商務平台21係 連通至少一賣方22、至少一買方23與至少一金融機 構24 ’在本實施例中，係有複數個參與的賣方&、 買方23與金融機構24透過網路連通至該電子商務系 統平台的伺服器（未圖示），使得買方23係可在線 上向至少一賣方購買至少一項商品或是服務。 在本發明的電子商務系統與方法之中，各參與的 金融機構24係可核發融資額度及融資額度的期限給 至少〜參與的買方23，該融資額度代表該買方23經 由本電子商務系統平台與賣方22進行交易時，可利 用該金融機構所提供的融資服務的最高融資金額上 限’讀融資額度清償期限係可由買方23、賣方22或 金融機構24之至少一者來做決定。 本發明的電子商務系統並有一預先支付交易帳 款的機制’該機制係包含一預先支付應付款項行為； 即由金融機構24將買賣雙方交易完成且在買方融資 200816067 額度内之應付帳款預先支付給賣方22，而買方23在 一父易清償期限内將該應付帳款繳付予該預先支付 帳款的金融機構24 ;該清償期限係可由買方、賣 方22或金融機構24之至少一者來做決定。 4機制並包含一利息轉嫁行為，該利息轉嫁行為 係金融機構24預先支付應付帳款予賣方22的曰期與 該應付帳款之買方23交易清償期限的期間差，所產 生一應繳於金融機構24的利息，在本實施例中，該 利息係轉由賣方22來負擔，戒利息由買方23與賣方 22各部分負擔；又金融機構24預先支付應付帳款予 賣方22所產生的利息可由買方23、賣方22或金融 機構24之至少一方來做決定。 參閱第三圖，顯示依據本發明構成的B2B電子商 務方法，該方法係於網路上速作’包含下列步驟： 提供一電子商務系統平台的步驟251用以使至少 一買方、至少一賣方與至少〆金融機構可透過網路連 通而參與； 參與的金融機構核發融資額度與融資期限給參 與的買方之步驟252 ; 開放參與的買方在融資额度與融資期限内與參 與的賣方進行商品或服務交易的步驟253 ·， 12 200816067 核發融資額度的至少一家金融機構將買賣雙方 交易完成之應付帳款預先支付給賣方的步驟254 ;及 ' 買方於交易清償期限屆滿前將該交易之應付帳 款清償予預先支付應付帳款的金融機構之步驟255。 上述核發融資額度與融資期限的步驟中252，可 由買方提供營運與財務資料，而由買方23、賣方22 或金融機構24之至少一方來做決定。 • 開放買方與賣方進行商品或服務交易的步驟 253，係由買方經該電子商務系統平台向賣方下單， 再連線至核發融資額度的金融機構比對剩餘額度，若 額度夠用，則該交易行為與結合金融機構所提供應付 帳款融資行為才完成。 在金融機構將應付帳款預先支付給賣方的步驟 254中，預先支付應付帳款曰期與該應付帳款的買方 • 交易清償期限的期間差所需繳付的利息最好由賣方 \ 負擔，或由賣方與買方各負擔部分，該利息係由買 方、賣方或金融機構之至少一方來做決定。 在將交易應付帳款清償予金融機構的步驟255 中，可進一步包含一逾期款項處理步驟256，當買方 之應付帳款未依約於清償期限屆滿前清償之逾期款 項所產生之利息時，利息由買方負擔。 13 200816067 透過本發明構成的B2B電子商務系統平台，由於 買方將可由至少一家金融機構取得應付帳款融資額 度，而且賣方透過此一系統，可預先由金融機構取得 買方之應付帳款，因此使得買方有機會得到較以往更 長的付款時間，以得到更靈活更充裕的週轉金，並且 買方可減少利息的負擔，又能降低採購成本，提高營 運利基，因而能有效提高買方利用電子商務系統與賣 • 方進行交易的意願。 透過本發明構成的B2B電子商務系統平台，金融 機構會預先支付買方之應付帳款予賣方，使得賣方可 提高資金運用的靈活度，而且賣方賒銷行為的催收款 項之風險可由金融機構負擔，或是由金融機構與賣方 共同負擔，將可降低賣方銷貨的風險。此外，賣方亦 會因為其下游買方透過本電子商務平台採購其商品 • 或服務的意願增加，而提高市場競爭力。因而賣方亦 將提高利用本電子商務系統與買方進行交易的意願。 透過本發明構成的B2B電子商務系統平台，金融 機構可以透過融資服務的機制得到利息收益，此外， 因本電子商務平台的機制提升買賣雙方使用電子商 務系統及方法的意願，使得金融機構可提高作業電子 化程度、降低管理開銷及簡化作業程序，進而可提升 200816067 營運效率與經濟效益。故本發明能達到提高買方、賣 方與金融機構對於使甩本電子商務系統與方法的意 願，以利創造國内與國際間一無紙化高效率低成本的 電子商務環境，較習用的B2B電子商務平台具有功效 之增進。 前述僅是對於本發明較佳實施例所做描述，並無 意圖用以限制本發明，對於熟悉此項技藝人士可作之 替換與修改，仍將併入本發明所主張的專利範圍内。 【圖式簡單說明】 第一圖係習用B2B電子商務模式的概略架構圖； 第二圖係本發明B2B電子商務系統的概略架構圖；及 第三圖係本發明B2B電子商務方法的步驟圖。 【主要元件符號說明】 11 習用B2B電子商務平台 12 供應商 13 採購商 21 本發明B2B電子商務系統平台 22 賣方 23 買方 24 金融機構 251 提供電子商務平台的步驟 252 核發融資額度與融資期限的步驟 15 200816067 253 開放買方與賣方進行商品或服務交易的步驟 254 將應付帳款預先支付給賣方的步驟 255 將交易應付帳款清償予金融機構的步驟 256 逾期款項處理步驟At least one seller's server; the B2B e-commerce platform's feeding device is planned to allow multiple trading companies and financial institutions to conduct information interaction and financial flow. The financial institution includes banks, financial companies, etc. A legal person providing financial services. The buyer referred to in the case is a supplier, wholesaler, manufacturer, service # legal person who can provide goods or services; and the buyer is a legal person who purchases goods or services such as sales, stores, and services. The parent's payable period is determined by at least the buyer, the seller or the financial institution. 8 200816067 The mechanism for pre-paid transaction accounts includes an interest transfer behavior, which is the difference between the period in which the financial institution prepays the accounts payable date and the buyer's transaction settlement period of the accounts payable. Interest on a financial institution, and the interest is borne by the seller, or partially borne by the buyer; and the amount of the interest can be determined by at least one of the buyer, the shell or the financial institution. The e-commerce method formed according to the present invention comprises the following steps: providing an e-commerce system platform for enabling at least one buyer, at least one buyer and at least one financial institution to participate through the network; and financing by the participating financial institution The amount of the quota and the amount of financing is given to the participating buyer; the buyer of the open participation conducts the transaction of the goods or services with the participating seller within the time limit of the financing amount and the amount of the financing; at least one financial institution that issues the financing amount to complete the transaction between the buyer and the seller The accounts payable are paid in advance to the seller; and, ▲ the buyer who obtained the financing clears the parent payable account to the financial institution that pays the accounts payable before the expiration of the transaction settlement period, and the term of the employee is At least one of the seller, the financial institution, or the financial institution makes the decision. It is preferable that the above-mentioned amount of the financing and the amount of the financing quota are 9 200816067, and the operating and financial information can be provided by the buyer, which is determined by at least one of the financial institution, the buyer or the buyer. In the step of the financial institution prepaying the accounts payable to the seller, the step-by-step includes the interest transfer step, which is the difference between the financial institution prepaying the payables date and the buyer's transaction check period of the accounts payable. An interest payable to a financial institution is generated, and the interest is borne by the seller or partially by the buyer; and the amount of the interest can be determined by at least one of the buyer, the seller or the financial institution. /x The e-commerce method of the present invention further comprises an overdue payment processing step, when the buyer's accounts payable is not based on the interest generated by the overdue payment paid before the expiration of the settlement period, the interest is paid by the buyer m 〇N, the above-mentioned open participation The buyer’s steps in the period of financing amount and financing amount and the participation of the special party in the transaction of goods or services are issued by the company to the seller via the e-commerce system platform, and then connected to the financial institution for financing. Comparing the transaction amount and the remaining amount, if the amount is sufficient, the transaction behavior is completed with the combination of the financial institution's director 1 supply and payment financing. Other objects, advantages and features of the invention will be apparent from the description of the appended claims appended claims. [Embodiment] 200816067 There are many different configurations for implementing the present invention. The preferred structure of the present invention will now be described as a specific example of the example 4 without limitation. Referring to the second drawing, the B2B e-commerce system and method constructed in accordance with the present invention are shown. The present invention comprises a B2B e-commerce platform based on information network technology. The e-commerce platform 21 is connected to at least one seller 22, at least one buyer 23 and at least one financial institution 24'. In this embodiment, A plurality of participating sellers & buyer 23 and financial institution 24 are connected to a server (not shown) of the e-commerce system platform via a network, so that the buyer 23 can purchase at least one item from at least one seller online. Or service. In the e-commerce system and method of the present invention, each participating financial institution 24 can issue a financing limit and a financing limit to at least the participating buyer 23, and the financing amount represents the buyer 23 via the e-commerce system platform. When the seller 22 conducts a transaction, the maximum financing amount limit of the financing service provided by the financial institution may be utilized. The term of the read financing amount is determined by at least one of the buyer 23, the seller 22 or the financial institution 24. The e-commerce system of the present invention also has a mechanism for pre-payment of transaction accounts. The mechanism includes a prepayment of payables; that is, the financial institution 24 pre-pays the accounts payable and the accounts payable within the buyer's financing amount of 200816067. To the seller 22, the buyer 23 pays the accounts payable to the financial institution 24 of the prepaid account within a parent's payable period; the settlement period may be at least one of the buyer, the seller 22 or the financial institution 24 Make a decision. The mechanism also includes an interest transfer behavior, which is the difference between the period in which the financial institution 24 pays the accounts payable to the seller 22 in advance and the buyer 23 of the accounts payable, and the resulting amount is due to be paid by the financial institution. In this embodiment, the interest is transferred by the seller 22, and the interest is borne by the buyer 23 and the seller 22; and the interest generated by the financial institution 24 in advance to pay the accounts payable to the seller 22 may be At least one of the buyer 23, the seller 22, or the financial institution 24 makes a decision. Referring to the third figure, there is shown a B2B e-commerce method constructed in accordance with the present invention, the method being fast on the network 'comprising the following steps: Step 251 of providing an e-commerce system platform for at least one buyer, at least one seller and at least 〆 Financial institutions can participate through network connectivity; Steps 252 for participating financial institutions to issue financing quotas and financing deadlines to participating buyers; Open-ended buyers conduct commodity or service transactions with participating sellers during financing and financing periods. Step 253 ·, 12 200816067 At least one financial institution that issues the financing amount to prepay the accounts payable by the buyer and the seller to the seller in advance 254; and 'the buyer pays the accounts payable to the advance before the expiration of the transaction settlement period Step 255 of the financial institution that pays the accounts payable. In the above-mentioned steps of issuing financing amount and financing period 252, the buyer may provide operational and financial information, and at least one of the buyer 23, the seller 22 or the financial institution 24 makes a decision. • Step 253 of opening the buyer’s and seller’s goods or services transaction, the buyer placing an order with the seller via the e-commerce system platform, and then connecting to the financial institution issuing the financing quota to compare the remaining amount, if the amount is sufficient, then The transaction behavior is completed with the combination of financial institutions providing accounts payable financing. In step 254 where the financial institution prepays the accounts payable to the seller, the interest payable in advance for paying the difference between the payable period and the buyer/transaction settlement period of the accounts payable is preferably borne by the seller. Or the seller and the buyer each bear the part of the interest determined by at least one of the buyer, the seller or the financial institution. In step 255 of the settlement of the transaction payables to the financial institution, an overdue payment processing step 256 may be further included, when the buyer's accounts payable does not depend on the interest generated by the overdue payment settled before the expiration of the settlement period, the interest Borrowed by the buyer. 13 200816067 Through the B2B e-commerce system platform constituted by the present invention, since the buyer will be able to obtain the accounts payable financing amount by at least one financial institution, and the seller through this system, the buyer can obtain the account payable of the buyer in advance, thus making the buyer Have the opportunity to get longer payment time than before, in order to get more flexible and sufficient working capital, and the buyer can reduce the burden of interest, reduce the procurement cost and improve the operating niche, thus effectively improving the buyer's use of e-commerce system and The willingness of the seller to trade. Through the B2B e-commerce system platform formed by the present invention, the financial institution will prepay the buyer's accounts payable to the seller, so that the seller can increase the flexibility of the use of funds, and the risk of the seller's credit collection charge can be borne by the financial institution, or The burden between the financial institution and the seller will reduce the risk of sellers selling goods. In addition, the Vendor will also enhance its market competitiveness by increasing the willingness of its downstream buyers to purchase their goods or services through this e-commerce platform. Therefore, the seller will also increase the willingness to use the e-commerce system to trade with the buyer. Through the B2B e-commerce system platform formed by the present invention, financial institutions can obtain interest income through the mechanism of financing services, and in addition, the mechanism of the e-commerce platform enhances the willingness of buyers and sellers to use e-commerce systems and methods, so that financial institutions can improve operations. The degree of automation, reduced management overhead and streamlined operational procedures will improve the operational efficiency and economic efficiency of 200816067. Therefore, the present invention can improve the willingness of buyers, sellers and financial institutions to make the e-commerce system and method, so as to create a paperless, efficient and low-cost e-commerce environment between domestic and international, and more conventional B2B electronic The business platform has an increase in efficiency. The foregoing is only a description of the preferred embodiments of the present invention, and is not intended to limit the scope of the invention. BRIEF DESCRIPTION OF THE DRAWINGS The first figure is a schematic architecture diagram of a conventional B2B e-commerce mode; the second figure is a schematic architecture diagram of the B2B e-commerce system of the present invention; and the third figure is a step diagram of the B2B e-commerce method of the present invention. [Main component symbol description] 11 Conventional B2B e-commerce platform 12 Supplier 13 Purchaser 21 B2B e-commerce system platform of the invention 22 Seller 23 Buyer 24 Financial institution 251 Steps of providing an e-commerce platform 252 Step 15 of issuing financing quota and financing period 200816067 253 Steps to open a buyer or seller for goods or services transactions 254 Steps to prepay accounts payable to the seller 255 Steps for clearing the trade payables to the financial institution Step 256 Overdue payment processing steps