JP2022077517A - Online shopping payment settlement service providing method, device, and computer program - Google Patents

Abstract

To provide an online shopping payment settlement service providing method, a program, and a device, which more accurately determines an online seller allowing an early payment of a sold amount before terminating purchase procedures by an online purchaser, for efficiently preventing accidents from occurring.SOLUTION: A method includes: an early settlement application reception step in which a first server of an online shopping website receives a sold amount early settlement application of a first online seller in the online shopping website; an early settlement approval/denial determination step for determining whether or not a sold amount early settlement against the first online seller is approved by using a transaction breakdown of the first online seller in the online shopping website; and a sold amount early settlement step for paying a sold amount against a product purchased in the online shopping website by the first online purchaser from the first online seller, which precedes a payment timing for a case when the early settlement to the first online seller is denied.SELECTED DRAWING: Figure 2

Description

The present invention relates to a method, device, system and computer program for providing an online shopping price settlement service, and more specifically, an online shopping site operator pays a sales price to an online seller of the online shopping site, and an online purchaser. Online shopping payment payment service that can be paid in advance before the purchase is confirmed.

In recent years, online shopping in which users purchase goods and services online has been widely used, and along with this, the number of online sellers who sell goods and the like on online shopping sites is increasing.

However, conventionally, in order for the online seller to have the online shopping site operator pay the sales price for the product, the online purchaser generally confirms the purchase after receiving the product, or a predetermined period is set. It was necessary to complete the purchasing procedure, such as having to confirm the automatic purchase after a while, but because of this, it took a considerable amount of time for the online seller to pay the sales price, which is the online seller. It caused the difficulty of fund management.

Therefore, a service is being attempted in which a financial company or a fintech company pays an online seller the sales price for a product in advance and then makes a payment after the fact, but such a service is based on limited information about the online seller. Since it is necessary to quickly decide whether or not to allow payment, the application target is limited, or there is a limit that it is difficult to sufficiently prevent the risk of an accident occurring at the time of post-payment after early payment.

In addition, in order to provide the above services, it is necessary to take additional troublesome procedures such as concluding a credit transfer contract or a loan contract with a financial company, etc., and online sales are required in exchange for such services. There is also a problem that a person has to pay an additional cost such as a predetermined fee to a financial company or the like.

For this reason, it is possible to more accurately determine the online seller who allows early payment before the online buyer completes the purchase procedure, effectively prevent the occurrence of an accident, and incur costs such as commissions for the online seller. There is a demand for a plan that allows online sellers to pay the sales price in advance without having to go through troublesome additional procedures such as concluding a credit transfer contract, but no appropriate solution has yet been presented.

Korean Registered Patent No. 10-1794221 (Public Notice on December 1, 2017)

The present invention was devised to solve the above-mentioned problems of the prior art, and more accurately allows an online seller to pay an early payment of a sales price before the online buyer completes a purchase procedure. The purpose is to make a judgment and effectively prevent the occurrence of accidents.

Another object of the present invention is to enable an online seller to pay the sales price in advance without performing troublesome additional procedures such as concluding a credit transfer contract that incurs fees and other costs for the online seller. And.

In addition, the detailed object of the present invention will be clearly understood and understood by experts and researchers in this technical field from the specific contents described below.

In the method of providing the online shopping price settlement service according to one aspect of the present invention for solving the above problems, the first server of the online shopping site receives the sales price early settlement application of the first online seller of the online shopping site. Early settlement application reception stage; Using the transaction breakdown of the first online seller on the online shopping site, it is determined whether or not to allow the early settlement of the sales price to the first online seller. Stage; And from the time of payment when the first online purchaser on the online shopping site pays the sales price for the product purchased from the first online seller when early settlement to the first online seller is not permitted. It is also characterized by including the early settlement stage of the sales price paid in advance.

Further, the computer program according to another aspect of the present invention is characterized in that it is a computer program for executing each stage of the online shopping payment settlement service providing method in combination with hardware.

Further, the server for online shopping price settlement according to still another aspect of the present invention is a server for settlement of the shopping price of the online shopping site, and the application for early settlement of the sales price of the first online seller of the online shopping site. Early settlement application receiving unit; Using the transaction breakdown of the first online seller on the online shopping site, early settlement allowance to determine whether or not to allow the early settlement of the sales price to the first online seller. Whether or not to pay the sales price of the product purchased by the first online purchaser on the online shopping site before the payment point when the early settlement to the first online seller is not allowed. It is characterized by including the payment early settlement department;

Thereby, in the method, apparatus, system and computer program for providing the online shopping payment service according to the embodiment of the present invention, the online seller who allows the online purchaser to pay the sales price early before completing the purchase procedure is provided. It is possible to make a more accurate judgment and effectively prevent the occurrence of accidents.

Further, in the method, device, system and computer program for providing the online shopping payment settlement service according to the embodiment of the present invention, troublesome additional procedures such as concluding a credit transfer contract in which costs such as fees of the online seller are incurred are performed. Even if it isn't, online sellers can get the sale price paid in advance.

The accompanying drawings included as part of a detailed description to aid an understanding of the invention provide embodiments of the invention and illustrate the technical ideas of the invention along with the detailed description.
It is a block diagram of the online shopping price settlement system which concerns on one Embodiment of this invention. It is a flowchart of the online shopping price settlement service provision method which concerns on one Embodiment of this invention. It is a figure explaining the specific configuration and operation of the online shopping payment settlement system which concerns on one Embodiment of this invention. It is a figure explaining the risk detection model in the online shopping payment settlement system which concerns on one Embodiment of this invention. It is a figure explaining the risk detection model in the online shopping payment settlement system which concerns on one Embodiment of this invention. It is a figure which illustrates the early settlement process for the online seller in the online shopping price settlement system which concerns on one Embodiment of this invention. It is a flowchart which concretely exemplifies the early settlement application processing process in the online shopping price settlement system which concerns on one Embodiment of this invention. It is a block diagram of the server for the online shopping price settlement which concerns on one Embodiment of this invention.

The present invention can be subjected to various transformations and can have various embodiments, and the specific embodiments will be described in detail below with reference to the accompanying drawings.

The following examples are provided to aid in a comprehensive understanding of the methods, devices and / or systems described herein. However, this is merely an example, and the present invention is not limited thereto.

In explaining the embodiments of the present invention, if it is determined that a specific description of the publicly known technique related to the present invention can obscure the gist of the present invention, the detailed description thereof will be omitted. The terms described later are terms defined in consideration of the functions in the present invention, and they may change depending on the intentions or customs of the user, the operator, and the like. Therefore, that definition should be made on the basis of the content throughout this specification. The terms used in the detailed description are merely for the purpose of describing the embodiments of the present invention and should never be restrictive. Unless otherwise noted, the singular representation also includes the meaning of the plural. In the present description, expressions such as "include" or "provide" are intended to represent a characteristic, number, stage, action, element, part or combination thereof, and one or a combination other than those described. It shall not be construed to exclude the existence or possibility of any other characteristic, number, stage, action, element, part or combination thereof.

In addition, terms such as first and second may be used to describe various components, but these components are not limited by the terms, and the terms refer to one component. Used only to distinguish it from other components.

Hereinafter, exemplary embodiments of the online shopping payment service provision method, apparatus, system, and computer program according to the embodiment of the present invention will be sequentially described with reference to the accompanying drawings.

First, FIG. 1 shows the configuration of the online shopping payment settlement system 100 according to an embodiment of the present invention.

As shown in FIG. 1, in the online shopping payment settlement system 100 according to the embodiment of the present invention, the online purchaser terminal 110, the online seller terminal 120, and the first server 130 of the online shopping site are connected via a communication network 150. Can be configured by being connected to each other.

At this time, as the online purchaser terminal 110 and the online seller terminal 120, a mobile terminal such as a smartphone, a tablet PC, a PDA, or a mobile phone may be used, but the present invention is not necessarily limited to this, and the present invention is not limited to this. However, various terminals such as personal computers (PCs) and notebook PCs may be used depending on the application.

Further, the first server 130 of the online shopping site may be composed of one or two or more server devices that drive a computer program according to a predetermined rule, and is also embodied by a cloud or a distributed server. It can be realized by various methods such as using a dedicated device or using a dedicated device.

Further, the communication network 150 can include a wired network and a wireless network, and specifically, a short-range communication network (LAN: Local Area Network), an urban area communication network (MAN: Metropolitan Area Network), and a wide area communication network. Various communication networks such as (WAN: Wide Area Network) can be included. Further, the communication network 150 can include a known World Wide Web (WWW: World Wide Web). However, the communication network 150 according to the present invention is not limited to the above-mentioned networks, and also includes various networks such as a known wireless data network, a known telephone network, or a known known wireless television network. It may be composed of.

Thereby, the online seller can connect to the online sales site by using the online seller terminal 120 and process a series of operations for the online sale.

The online purchaser can then connect to the first server 130 using the online purchaser terminal 110, whereby the online purchaser can use the online seller's goods or products sold at the online shopping site. Goods such as services and services (services) (hereinafter collectively referred to as goods) can be purchased.

However, conventionally, in order for the online seller to pay the sales price, the online purchaser must confirm the purchase after receiving the product, or the online purchaser must automatically confirm the purchase after a predetermined period has passed. , The purchase procedure had to be completed, so it took a considerable amount of time for the online seller to get paid for the sale.

On the other hand, in the online shopping price settlement system 100 according to the embodiment of the present invention, the online shopping site operator pays the sales price to the online seller of the online shopping site in advance before the online purchaser confirms the purchase. Get paid.

Further, FIG. 2 illustrates a flowchart of an online shopping payment settlement service providing method according to an embodiment of the present invention from the viewpoint of a server.

As shown in FIG. 2, in the method of providing the online shopping price settlement service according to the embodiment of the present invention, the first server 130 of the online shopping site applies for early settlement of the sales price of the first online seller of the online shopping site. At the stage of receiving the early settlement application (S110), it is determined whether or not to allow the early settlement of the sales price to the first online seller by using the transaction breakdown of the first online seller on the online shopping site. Early settlement is not allowed for the product purchased from the first online seller at the stage of determining whether early settlement is acceptable (S120) and the first online seller at the online shopping site. It is characterized by including an early settlement stage (S130) of the sales price to be paid before the time of payment.

Further, in the method for providing the online shopping price settlement service according to the embodiment of the present invention, the first server 130 accumulates the transaction breakdown of the transaction of the first online seller on the online shopping site and creates the transaction breakdown database 135. It is also possible to further include a transaction breakdown database generation stage (not shown) to be generated.

Hereinafter, with reference to FIGS. 1 and 2, the method for providing an online shopping payment settlement service according to an embodiment of the present invention will be described in more detail by dividing it into stages.

First, in the early settlement application receiving stage (S110), the first server 130 of the online shopping site receives the sales price early settlement application of the first online seller of the online shopping site.

Here, the online seller terminal 120 may be connected to the first server 130 via the communication network 150, whereby the online seller can sell at the online shopping site using the online seller terminal 120. You can apply for early settlement of the price.

At this time, the first server 130 can provide the online seller terminal 120 with a web page or the like for applying for early settlement of the sales price, whereby the online seller terminal 120 can provide the web page or the like. Can be used to transmit the sales price early settlement application of the first online seller to the first server 130.

Next, in the early settlement allowance determination stage (S120), the first server 130 uses the transaction breakdown of the first online seller on the online shopping site to perform early settlement of the sales price to the first online seller. Determine if it is acceptable.

At this time, in the early settlement allowance determination stage (S120), the first server 130 uses the transaction breakdown database 135 including the transaction breakdown in a predetermined period by the transaction of the first online seller on the online shopping site. Therefore, it is possible to determine whether or not to allow the early settlement of the sales price for the first online seller.

Therefore, in the transaction breakdown database generation stage (not shown), the first server 130 accumulates the transaction breakdown of the transaction of the first online seller on the online shopping site during a predetermined period and makes a transaction. The breakdown database 135 can be generated.

Further, in the transaction breakdown database generation stage (not shown), the transaction breakdown database 135 may be updated to reflect the transaction breakdown of the first online seller on the online shopping site in real time. In the early settlement allowance determination stage (S120), does the first server 130 reflect the transaction breakdown of the first online seller updated in real time and allow the first online seller to make early settlement? You can judge whether or not.

Further, in the early settlement allowance determination stage (S120), the first server 130 of the online shopping site does not provide the transaction breakdown information to the first online seller to the outside, and sells to the first online seller. It is possible to independently judge whether or not to allow early settlement of payment.

As a result, in the method for providing the online shopping price settlement service according to the embodiment of the present invention, in the early settlement allowance determination stage (S120), the first server 130 is the first online seller at the online shopping mall site. It is possible to determine whether or not to allow early settlement for the first online seller by reflecting the transaction breakdown of the first online seller in real time, and further, the first server 130 externally transfers the transaction breakdown information for the first online seller. Leaking sensitive personal information such as the transaction breakdown of the first online seller to the outside by deciding whether or not to allow the first online seller to settle the sales price early without providing it. Instead, various information can be used to more accurately select online sellers who allow early payment of sales.

Next, in the sales price early settlement stage (S130), the sales price for the product purchased by the first online buyer from the first online seller on the online shopping site is settled to the first online seller at an early stage. Pay before the point of payment if not allowed.

As a result, the first online seller pays the sales price for the product sold to the first online purchaser through the online shopping site, for example, before the purchase confirmation of the first online purchaser. Payment can be made in advance on the day after the delivery completion date or the next business day.

Further, in the method for providing the online shopping price settlement service according to the embodiment of the present invention, in the early settlement application receiving stage (S110), a claim transfer contract or a loan contract for the sales price of the first online seller is separately concluded. The first online seller can easily process the sales price early settlement application procedure without doing so, and then in the sales price early settlement stage (S130), the sales owned by the operator of the online shopping site are sold. By paying the price directly to the first online seller without going through a third party, the first online seller can easily and easily make the sales price on the online shopping site without additional burden such as a separate fee. You can get paid quickly.

In addition, the online shopping site operator can also improve the sales performance of the online seller by assisting the online seller to pay the sales price on the online shopping site more conveniently and quickly. In terms of strengthening the loyalty to the shopping site and activating the online shopping site in the long term, it is possible to derive a positive effect for both.

More specifically, in the application process for online shopping payment settlement according to one embodiment of the present invention, the first server 130 is referred to a financial data center (Financial Data Center, FDC) provided in the transaction breakdown database 135. Considering the saved monthly transaction amount data and return rate data of each online seller, it is possible to select a primary target person who provides early settlement of sales price.

Next, the first server 130 receives an application for early settlement of the sales price from the first online seller.

At this time, the first server 130 may perform the promotion process so as to apply for the early settlement of the sales price on the online shopping site to the primary target person, but the present invention is not necessarily limited to this.

Next, the first server 130 uses a credit evaluation system (Credit Scoring System, CSS) to determine whether or not the first online seller who has applied for early settlement of sales at the online shopping site is a bad credit person. In consideration, it can be decided whether or not to include the first online seller in the sales price early settlement target person.

After that, in the settlement stage for the online shopping price according to the embodiment of the present invention, the first server 130 determines whether or not the early payment of the sales price for the product of the first online seller purchased by the first online purchaser is possible. In order to do so, use the Fraud Detection System (FDS) to determine whether the transaction is a bilateral transaction, and use the order breakdown data to determine whether it is an early payment exclusion such as overseas delivery. do.

In addition, the first server 130 can use the fraud detection system (FDS) to confirm whether or not the first online seller is a seller included in the blacklist.

Further, the first server 130 can confirm whether or not there is a return request of the first online purchaser by using the order breakdown data, and can exclude it from the early payment target.

Further, the first server 130 can be excluded from the early payment target when the return ratio to the first online seller exceeds a predetermined reference value by using the fraud detection system (FDS).

As a result, the sales price for the transaction finally determined to be the target of early payment through the series of processes is paid in advance to the first online seller.

More specifically, FIG. 3 illustrates a diagram illustrating a sales price early settlement process using a risk detection model in the online shopping price settlement system 100 according to an embodiment of the present invention.

As described above, in the present invention, in the early settlement allowance determination stage (S120), the first server 130 allows the first online seller to make early settlement by using the risk detection model constructed in advance. It is possible to include a risk presence / absence judgment stage (not shown) for judging the presence / absence of risk in the case of.

At this time, as shown in FIG. 3, the risk detection model 410 has a return rate of 401 of the first online seller, a variability of sales amount of 402, and a business duration of the first online seller at the online shopping site. It may be constructed by reflecting the seller information 403 such as, the bilateral transaction of the first online seller, or the abnormal (abnormal) transaction history 404.

Further, in the risk presence / absence determination stage (not shown), in the risk detection model 410, the first online seller has a first evaluation item for transaction variability in the past transaction breakdown of the first online seller. Considering the second evaluation item for the risk of occurrence of the problem in the past transaction breakdown, it is possible to determine whether or not there is a risk when the first online seller is allowed to make an early settlement.

More specifically, in the risk detection model 410, as the first evaluation item, any of the online business period, the sales amount fluctuation rate by period, and the purchaser characteristic fluctuation rate by period at the online shopping site of the first online seller. Reflecting one or more, the variability of the transaction with the first online seller is judged, and as the second evaluation item, among the transaction breakdown of the first online seller, the history of defective sales accidents, relative It is possible to determine the risk of a problem occurring for the first online seller by reflecting any one or more of the transaction detection history, the return rate, and the abnormal transaction detection history.

For example, as shown in FIG. 4, a pattern in which the sales amount of an online seller sharply decreases after a sharp rise is shown (FIG. 4 (a)), and a pattern in which the sales amount is continuously decreased is shown (FIG. 4 (b)). ) Or, if the sales amount shows a pattern of unstable increase or decrease, it is judged that the risk of the first online seller's problem occurring is considerable, and the early payment of the sales price to the first online seller is made. It can be determined that it is not possible.

As a result, as shown in FIG. 3, in the first server 130, the risk detection model 410 is used to determine the risk of a problem occurring for the first online seller (420), and the early payment of the sales price is made. Can be put on hold (450).

If the risk detection model 410 does not recognize the risk of a problem occurring for the first online seller, the first online seller subsequently performs, for example, bilateral transaction, point fraud, current financial communication, etc. It is possible to confirm whether it is included in the blacklist for the reason (430) and stop the early payment of the sales price (450).

Further, as shown in FIG. 3, in addition to the judgment by the risk detection model 410, the order breakdown data of the first online purchaser is used to indicate an order that corresponds to a bilateral transaction, corresponds to overseas delivery, and is not delivered. , Or even if the order has been requested to be returned (440), the early payment of the sales price can be stopped (450).

Further, in the online shopping payment settlement system 100, the apparatus and the method according to the embodiment of the present invention, the risk detection model 410 is machine learning for an early payment accident occurrence case among a plurality of online sellers of the online shopping site. May be constructed using.

More specifically, FIG. 5 illustrates the process of embodying the risk detection model 410 in the online shopping payment settlement system 100 and the method using machine learning.

At this time, as shown in FIG. 5, the risk detection model 410 determines the degree of association with the early payment accident occurrence case among the plurality of items included in the transaction breakdown of the plurality of online sellers of the online shopping site. It may be constructed by selecting one or more evaluation items based on the criteria ((a) in FIG. 5).

As a more specific example, FIG. 5A exemplifies a case where it is determined that the online seller's sales variability (VARIATION_PER_1MON) and return rate (REFUND_RATIO_1MON) are highly related and are selected as evaluation items. ing.

Further, as shown in FIG. 5, the risk detection model 410 calculates each reference value for the one or more evaluation items by using a decision tree model for the one or more evaluation items. ((B) in FIG. 5).

As a more specific example, FIG. 5B illustrates a case where a reference value for sales variability (VARIATION_PER_1MON) of an online seller is calculated using a decision tree model.

Further, as shown in FIG. 5, the risk detection model 410 has an F1 score (f1-color) that reflects the values of the precision and the recall for the one or more evaluation items. It may be constructed by calculating the risk presence / absence judgment reference value for the first online seller (FIG. 5 (c)).

As a more specific example, FIG. 5 (c) illustrates a case where the risk presence / absence judgment reference value for the first online seller has the optimum risk detection model performance at the 0.08 level.

Further, FIG. 6 illustrates an early settlement process for an online seller in the online shopping payment settlement system 100, the apparatus and the method according to the embodiment of the present invention.

At this time, as shown in FIG. 6, in the online shopping payment settlement system 100 and the method according to the embodiment of the present invention, the sales variability, bilateral transaction history, abnormal transaction history, and payment hold history of the first online seller When the risk level at the time of allowing early settlement for the first online seller can be calculated (530) and the calculated risk level is larger than the predetermined reference value, the first item is reflected. 1 Early payment of the sales price to the online seller can be withheld (540).

Further, in the online shopping payment settlement system 100 and the method according to the embodiment of the present invention, when the return request ratio to the first online seller becomes larger than the predetermined reference value (520), the first item is described. Online sellers can be excluded from those who are eligible for early payment of sales and converted to those who are eligible for settlement after the purchase is confirmed (550).

Further, in FIG. 7, in the online shopping price settlement system 100, the device and the method according to the embodiment of the present invention, the first online seller's application for early payment of sales price and the process of determining whether or not to select the target for early payment of sales price based on the application are shown. The flowchart shown is shown.

As shown in FIG. 7, first, in the S1110 stage, the first online seller connects to the first server 130 using the online seller terminal 120 and applies for early payment of the sales price.

Next, in the S1120 stage, it is determined whether or not the first online seller is included in the primary target person calculated in consideration of the monthly transaction amount, the return rate, and the like.

At this time, if the first online seller is included in the primary target person, it is confirmed at the stage of S1140 whether or not a separate early settlement service such as quick escrow of the first online seller can be used.

In addition, at the S1150 stage, the first online seller is requested to consent to the terms and conditions for early payment of the sales price and the use of personal information.

Further, in the S1160 stage, the person is authenticated to the first online seller.

Further, in the S1170 stage, it is confirmed whether or not the representative matches the first online seller.

Further, in the S1180 stage, the credit information for the first online seller is inquired, and it is confirmed whether or not the credit information is bad.

Through the series of steps as described above, the application for early payment of sales price to the first online seller is completed (S1190), and the early payment service for sales price is provided to the first online seller selected as the target for early payment of sales price. Apply.

Further, although it is described above that the first server 130 is mainly included in or operates in conjunction with an online shopping site, the present invention is not necessarily limited to this, and online according to an embodiment of the present invention. In the shopping price settlement system 100, the device and the method, while the first server 130 is embodied and operates independently of the online shopping site or the shopping service providing system, the sales price is paid to the online seller of the online shopping site. It is also possible to pay in advance before the online buyer confirms the purchase.

Further, the computer program according to still another aspect of the present invention is a computer program for combining each step of the above-mentioned online shopping payment settlement service providing method with hardware and executing it using the processor of the hardware. It may be permanently stored on a computer-readable medium or temporarily stored for execution or download. The computer program may be a computer program including a machine language code generated by a compiler, or a computer program including a high-level language code that can be executed by a computer using an interpreter or the like. At this time, the computer is not limited to a personal computer (PC) or a laptop computer, and any computer program can be executed by providing a central processing unit (CPU) such as a server, a smartphone, a tablet PC, a PDA, or a mobile phone. Also includes information processing equipment. Further, the computer-readable medium may be various recording means or storage means in the form of a single piece or a combination of several pieces of hardware, but is not limited to a medium directly connected to a certain computer system, and is not limited to a medium directly connected to a certain computer system. It may be distributed in the environment. Examples of media include electronic recording media (eg, ROM, flash memory, etc.), magnetic storage media (eg, floppy disks, hard disks, etc.), optical reading media (eg, CD-ROM, DVD, etc.). Includes any computer-readable storage medium. Further, as an example of other media, a recording medium or a storage medium managed by an application store that distributes applications, a site that supplies or distributes various other software, a server, or the like can be mentioned.

Further, FIG. 8 illustrates a block diagram of a server 130 for online shopping payment settlement according to an embodiment of the present invention.

As shown in FIG. 8, the server 130 for online shopping price settlement according to the embodiment of the present invention includes an early settlement application receiving unit 131, an early settlement acceptance / rejection determination unit 132, and a sales price early settlement unit 133. May be configured.

Further, in the server 130 for the online shopping price settlement according to the embodiment of the present invention, the transaction breakdown database 135 generated by accumulating the transaction breakdown by the transaction of the first online seller on the online shopping site is provided. It may be further included.

Next, the server 130 for the online shopping price settlement according to the embodiment of the present invention will be described for each component. Further, more detailed contents regarding the server 130 for the online shopping price settlement according to the embodiment of the present invention are described in the online shopping price settlement system 100 and the method according to the embodiment of the present invention of FIGS. 1 to 7 described above. Although it can be realized by various examples similar to the above, the repetition of the detailed explanation is omitted.

First, in the server 130 for the online shopping price settlement, the early settlement application receiving unit 131 receives the sales price early settlement application of the first online seller of the online shopping site.

Further, the early settlement allowance determination unit 132 determines whether or not to allow the early settlement of the sales price to the first online seller by using the transaction breakdown of the first online seller on the online shopping site. ..

Further, the server 130 for settlement of the online shopping price is a transaction breakdown database generation unit (not shown) that accumulates the transaction breakdown of the transaction of the first online seller on the online shopping site and generates the transaction breakdown database. May be further included.

At this time, in the transaction breakdown database generation unit (not shown), the transaction breakdown database may be updated to reflect the transaction breakdown of the first online seller on the online shopping site in real time. The early settlement allowance determination unit 132 can determine whether or not the early settlement allowance is allowed for the first online seller by reflecting the transaction breakdown of the first online seller that is updated in real time.

Further, the early settlement allowance determination unit 132 uses a risk detection model constructed in advance to determine whether or not there is a risk when the first online seller is allowed to make an early settlement (a risk presence / absence determination unit). (Not shown) may be included.

At this time, in the risk presence / absence determination unit (not shown), in the risk detection model, the first online seller has the first evaluation item for the variability of the transaction in the past transaction breakdown of the first online seller. Considering the second evaluation item for the risk of occurrence of a problem in the past transaction breakdown, it is possible to determine whether or not there is a risk when the first online seller is allowed to make an early settlement.

Further, as the first evaluation item, any one or more of the online business period, the sales amount fluctuation rate by period, and the purchaser characteristic fluctuation rate by period on the online shopping site of the first online seller is reflected. Judging the variability of transactions with the first online seller, as the second evaluation item, among the transaction breakdown of the first online seller, defective sales accident occurrence history, bilateral transaction detection history, return rate, abnormal transaction detection It is possible to determine the risk of problem occurrence for the first online seller by reflecting any one or more of the histories.

Further, the risk detection model may be constructed by using machine learning for an early payment accident occurrence case among a plurality of online sellers of the online shopping site.

At this time, the risk detection model has one or more evaluation items based on the degree of relevance to the early payment accident occurrence case among the plurality of items included in the transaction breakdown of the plurality of online sellers of the online shopping site. May be selected and constructed.

Further, the risk detection model may be constructed by calculating each reference value for the one or more evaluation items by using a decision tree model for the one or more evaluation items.

Further, the risk detection model is sold in the first online sale using an F1 score (f1-score) that reflects the values of the precision and the recall for the one or more evaluation items. It may be constructed by calculating each standard value for one or more evaluation items for a person's risk level.

Further, the early settlement allowance determination unit 132 does not provide the transaction breakdown information to the first online seller to the outside, and independently determines whether or not to allow the early settlement of the sales price to the first online seller. can do.

Further, in the sales price early settlement unit 133, the sales price of the product purchased by the first online purchaser on the online shopping site is from the time of payment when the early settlement to the first online seller is not permitted. Also pay first.

At this time, the early settlement application receiving unit 131 does not separately conclude a claim transfer contract or a loan contract for the sales price of the first online seller, and the sales price early settlement unit 133 operates the online shopping site. The sales price held by the person can be paid directly to the first online seller without going through a third party.

Accordingly, in the method, apparatus, system and computer program for providing the online shopping payment service according to the embodiment of the present invention, the online seller who allows the online purchaser to pay the sales price early before completing the purchase procedure is provided. It is possible to make a more accurate judgment and effectively prevent the occurrence of accidents, and for online sellers, it is possible to sell without having to perform troublesome additional procedures such as concluding a credit transfer contract that incurs fees and other costs. You can have the price paid in advance.

The above description is merely an exemplary explanation of the technical idea of the present invention, and a person having ordinary knowledge in the field of the technique to which the present invention belongs does not deviate from the essential characteristics of the present invention. Various modifications and modifications will be possible. Therefore, the examples described in the present invention are not intended to limit but explain the technical idea of the present invention, and are not limited to such examples. The scope of protection of the present invention should be construed by the scope of the appended claims, and any technical idea within the equivalent scope should be construed as being included in the scope of rights of the present invention. ..

100 Online Shopping Price Settlement System 110 Online Buyer Terminal 120 Online Seller Terminal 130 Server 131 Early Settlement Application Receiving Department 132 Early Settlement Acceptance Judgment Department 133 Sales Price Early Settlement Department 135 Transaction Breakdown Database 150 Communication Network

Claims (14)

The first server of the online shopping site receives the early settlement application for the sales price of the first online seller of the online shopping site.
Using the transaction breakdown of the first online seller on the online shopping site, the early settlement allowance determination stage for determining whether or not to allow the early settlement of the sales price for the first online seller; and the online shopping site. The first online purchaser pays the sales price for the product purchased from the first online seller before the payment time when the early settlement to the first online seller is not allowed. step;
A method of providing an online shopping payment settlement service, which is characterized by including. 1. The first server further includes a transaction breakdown database generation stage; which accumulates transaction breakdowns of transactions by the first online seller on the online shopping site and generates a transaction breakdown database. How to provide the online shopping payment service as described in. At the stage of generating the transaction breakdown database,
The transaction breakdown database is updated to reflect the transaction breakdown of the first online seller on the online shopping site in real time.
At the stage of determining whether or not to allow early settlement,
2. The first server is characterized in that it reflects the transaction breakdown of the first online seller that is updated in real time, and determines whether or not the first online seller is allowed to settle early. How to provide the online shopping payment service described. At the stage of determining whether or not to allow early settlement,
The first server is characterized by including a risk presence / absence determination stage for determining the presence / absence of a risk when the first online seller is allowed to be settled early by using a pre-constructed risk detection model. , The method for providing an online shopping payment settlement service according to claim 1 or 2. At the risk presence / absence judgment stage,
In the risk detection model, the first evaluation item for the variability of the transaction in the past transaction breakdown of the first online seller and the second evaluation item for the problem occurrence risk of the past transaction breakdown of the first online seller are considered. The method for providing an online shopping payment settlement service according to claim 4, wherein the presence or absence of a risk in the case of allowing the first online seller to make an early settlement is determined. As the first evaluation item, the first evaluation item reflects any one or more of the online business period of the first online seller, the sales amount fluctuation rate by period, and the purchaser characteristic fluctuation rate by period. Judging the volatility of transactions with online sellers,
As the second evaluation item, the first one, reflecting one or more of the transaction breakdown of the first online seller, the history of defective sales accidents, the history of bilateral transaction detection, the return rate, and the history of abnormal transaction detection. The method for providing an online shopping payment settlement service according to claim 5, wherein the risk of a problem occurring for an online seller is determined. The risk detection model is
The method for providing an online shopping payment settlement service according to claim 4 or 5, wherein the online shopping site is constructed by using machine learning for an early payment accident occurrence case among a plurality of online sellers. The risk detection model is
Among the plurality of items included in the transaction breakdown of the plurality of online sellers of the online shopping site, one or more evaluation items shall be selected and constructed based on the degree of relevance to the early payment accident occurrence case. The method for providing an online shopping payment settlement service according to claim 7. The risk detection model is
The eighth aspect of the present invention is characterized in that it is constructed by calculating each reference value for the one or more evaluation items using a decision tree model for the one or more evaluation items. How to provide online shopping payment service. The risk detection model is
The risk presence / absence judgment reference value for the first online seller is calculated using the F1 score (f1-score) that reflects the values of the precision and the recall for the one or more evaluation items. The method for providing an online shopping payment settlement service according to claim 9, wherein the online shopping payment service is provided. At the stage of receiving the early settlement application, the transfer contract or the loan contract for the sales price of the first online seller is not separately concluded.
Claim 1 is characterized in that, in the early settlement stage of the sales price, the sales price held by the operator of the online shopping site is paid directly to the first online seller without going through a third party. The method for providing the online shopping payment settlement service according to any one of 2 and 4. At the stage of determining whether or not to allow early settlement,
The first server of the online shopping site determines whether or not to allow the early settlement of the sales price to the first online seller by itself without providing the transaction breakdown information to the first online seller to the outside. The method for providing an online shopping payment settlement service according to any one of claims 1, 2, 11 or 12, wherein the method is characterized by. A computer program that combines with hardware and causes the processor of the hardware to perform each step of the method according to any one of claims 1-12. It is a device for payment of shopping charges on online shopping sites.
Early settlement application receiving unit that receives the sales price early settlement application of the first online seller of the online shopping site;
Using the transaction breakdown of the first online seller on the online shopping site, the early settlement allowance determination unit for determining whether or not to allow the early settlement of the sales price for the first online seller; and the online shopping site. The sales price early settlement department that pays the sales price of the product purchased by the first online purchaser before the payment point when the early settlement to the first online seller is not allowed;
A device for online shopping payment settlement characterized by including.

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