| 摘要 |
An online business payment method that provides credit and cash flow management for at least one seller (120) of products or services, at least one buyer (110) of the products or services, and a financial institution (130) via a business payment system (146) accessible via a network connection. The method includes first establishing a credit line (140) for the buyer (110) by the financial institution (120). Next, placing a purchase order for a product or service by the buyer (110) to the seller (120) and entering a purchase order number into the business payment system (146). Next, accepting the purchase order by the seller (120) and providing the product or service to the buyer (110). Next, sending an invoice by the seller (120) to the buyer (110) and entering the invoice into the business payment system (146) against the purchase order number. Next, approving the invoice by the buyer (110), entering the approval into the business payment system (146) and notifying the financial institution (130) of the approved invoice by the business payment system (146). Finally, approving payment of the approved invoice by the financial institution (130) and paying the invoice by transferring money from the buyer's credit line (140) to an account of the seller (120). The seller (120) sets a payment term for the invoice and pays a seller's fee to the financial institution (130) upon receipt of the invoice payment. The seller's fee depends upon the invoice payment term. The buyer (110) pays interest to the financial institution (130) when the invoice payment term is not met. Access to the online business payment system (146) is secure and selective access permissions are defined for each member. |
