JP7443318B2 - Online shopping payment settlement service provision method, device and computer program - Google Patents

Description

The present invention relates to a method, device, system, and computer program for providing an online shopping payment settlement service, and more specifically, the present invention relates to a method, device, system, and computer program for providing an online shopping payment settlement service. The present invention relates to a method, device, system, and computer program for providing an online shopping payment settlement service that allows users to pay in advance before finalizing their purchase.

In recent years, online shopping, in which users purchase products and services online, has become widely used, and as a result, the number of online sellers who sell products on online shopping sites is increasing.

However, in the past, in order for the online seller to receive the sales price for the product etc. from the online shopping site operator, it was generally necessary for the online purchaser to confirm the purchase after receiving the product, or for a predetermined period of time. Purchasing procedures had to be completed, such as having to wait for the purchase to be automatically confirmed, but for this reason, it took a considerable amount of time for the online seller to receive the sales price. This made it difficult to manage funds.

Therefore, financial companies, fintech companies, etc. are trying to provide services that allow online sellers to pay the sales price for products in advance and settle the payment after the fact.However, such services are based on limited information about online sellers. However, since it is necessary to quickly decide whether or not to allow payment, the scope of application is limited, or it is difficult to adequately prevent the risk of accidents occurring during subsequent settlements after early payment.

Furthermore, in order to provide the above-mentioned services, it is necessary to go through other troublesome procedures such as concluding a receivable transfer agreement or loan agreement with a financial company, etc. Moreover, in exchange for such services, online sales are also required. There was also the problem that individuals had to pay additional costs such as prescribed fees to financial companies.

Therefore, it is possible to more accurately determine which online sellers will allow early payment before the online buyer completes the purchasing process, effectively preventing accidents from occurring, and incurring costs such as fees for online sellers. There is a need for a way to pay sales proceeds to online sellers in advance without having to go through complicated additional procedures such as signing a debt transfer contract, but no suitable solution has yet been proposed.

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

The present invention was devised to solve the problems of the prior art as described above, and more accurately allows online sellers to allow early payment of sales proceeds before online buyers complete the purchase procedure. The purpose is to make judgments and effectively prevent accidents from occurring.

Furthermore, the present invention aims to enable online sellers to receive sales proceeds in advance without having to go through cumbersome additional procedures such as concluding a receivables assignment contract that incurs fees and other costs for online sellers. shall be.

Other detailed objectives 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 order to solve the above problems, a method for providing an online shopping payment settlement service according to one aspect of the present invention includes a first server of an online shopping site receiving an application for early settlement of sales charges from a first online seller of the online shopping site. early settlement application receiving step; determining whether or not early settlement is permitted for the first online seller using transaction details of the first online seller on the online shopping site; and, from the time of payment of the sales proceeds for the products purchased by the first online purchaser from the first online seller on the online shopping site, if early settlement is not permitted to the first online seller; The present invention is characterized by including an early settlement stage of the sales proceeds, which must be paid in advance.

In addition, a computer program according to another aspect of the present invention is characterized in that it is a computer program that is combined with hardware to execute each step of the online shopping payment settlement service providing method.

In addition, the server for settling online shopping charges according to still another aspect of the present invention is a server that settles shopping charges of an online shopping site, and is a server that settles shopping charges of an online shopping site, and is a server that settles an application for early settlement of sales charges of a first online seller of the online shopping site. an early settlement application receiving unit that receives an early settlement application; an early settlement permission that determines whether or not to permit early settlement of sales proceeds to the first online seller, using transaction details of the first online seller on the online shopping site; and a sales unit that pays the sales price of the product purchased by the first online purchaser on the online shopping site before the time of payment if early settlement to the first online seller is not permitted. It is characterized by including an early payment settlement section;

Accordingly, the method, device, system, and computer program for providing an online shopping payment settlement service according to an embodiment of the present invention allows an online seller to allow early payment of the sales price before the online purchaser completes the purchase procedure. It becomes possible to make more accurate judgments and effectively prevent accidents from occurring.

Furthermore, the method, device, system, and computer program for providing an online shopping payment settlement service according to an embodiment of the present invention do not require cumbersome additional procedures such as concluding a receivables assignment contract that incurs fees and other costs from the online seller. At the very least, online sellers can have their sales paid upfront.

The accompanying drawings, which are included as part of the detailed description to aid in understanding the invention, provide examples of the invention and, together with the detailed description, explain the spirit of the invention.
1 is a configuration diagram of an online shopping payment settlement system according to an embodiment of the present invention; FIG. 1 is a flowchart of a method for providing an online shopping payment settlement service according to an embodiment of the present invention. BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a diagram illustrating a specific configuration and operation of an online shopping payment settlement system according to an embodiment of the present invention. FIG. 2 is a diagram illustrating a risk detection model in an online shopping payment settlement system according to an embodiment of the present invention. FIG. 2 is a diagram illustrating a risk detection model in an online shopping payment settlement system according to an embodiment of the present invention. FIG. 3 is a diagram illustrating an early payment process for an online seller in an online shopping payment payment system according to an embodiment of the present invention; 1 is a flowchart specifically illustrating an early payment application processing process in an online shopping payment payment system according to an embodiment of the present invention. FIG. 2 is a block diagram of a server for online shopping payment settlement according to an embodiment of the present invention.

Although the present invention is capable of various modifications and has various embodiments, 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, apparatus, and/or systems described herein. However, this is only an example, and the present invention is not limited thereto.

In describing the embodiments of the present invention, if it is determined that detailed description of known techniques related to the present invention may obscure the gist of the present invention, the detailed description will be omitted. The terms described below are defined in consideration of the functions of the present invention, and may change depending on the intention or custom of the user or operator. Therefore, the definition should be made based on the contents of this specification as a whole. The terminology used in the detailed description is for the purpose of describing embodiments of the invention only and is not intended to be limiting in any way. Unless otherwise specified, singular terms include plural terms. In this description, expressions such as "comprising" or "comprising" are used to express certain characteristics, numbers, steps, operations, elements, parts or combinations thereof, and are used to refer to one or more characteristics, numbers, steps, operations, elements, parts or combinations thereof. It is not to be construed as excluding the existence or possibility of further features, numbers, steps, acts, elements, parts or combinations thereof.

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

Hereinafter, exemplary embodiments of a method, apparatus, system, and computer program for providing an online shopping payment settlement service according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

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

As shown in FIG. 1, an online shopping payment settlement system 100 according to an embodiment of the present invention includes an online purchaser terminal 110, an online seller terminal 120, and a first server 130 of an online shopping site connected via a communication network 150. may 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. However, various terminals such as a personal computer (PC) or a notebook PC may be used depending on the applied application.

In addition, the first server 130 of the online shopping site may be configured with one or more server devices that run computer programs according to predetermined rules, and may also be implemented using a cloud or a distributed server. It can be implemented in various ways, such as by using a dedicated device or by using a dedicated device.

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

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

The online purchaser can then use the online purchaser terminal 110 to connect to the first server 130, thereby allowing the online purchaser to purchase the online seller's products and services sold on the online shopping site. Goods and services such as services (hereinafter collectively referred to as products) can be purchased.

However, in the past, in order for the online seller to pay the sales price, the online purchaser had to confirm the purchase after receiving the product, or the purchase had to be automatically confirmed after a predetermined period of time. , the purchase procedure had to be completed, and therefore it took a considerable amount of time for the online seller to receive payment for the sale.

In contrast, in the online shopping payment settlement system 100 according to an embodiment of the present invention, the online shopping site operator pays the sales fee to the online seller of the online shopping site in advance before the online purchaser finalizes the purchase. Get paid.

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

As shown in FIG. 2, the method for providing an online shopping payment settlement service according to an embodiment of the present invention is such that a first server 130 of an online shopping site applies for early settlement of sales fees from a first online seller of the online shopping site. an early settlement application receiving step (S110), using transaction details of the first online seller on the online shopping site to determine whether to allow early settlement of sales proceeds to the first online seller; In the step of determining whether or not early settlement is permitted (S120), early settlement is not permitted to the first online seller for the sales price of the product purchased by the first online purchaser from the first online seller on the online shopping site. The present invention is characterized in that it includes an early settlement stage (S130) of the sales proceeds, in which the sales proceeds are paid earlier than the time of payment in the event of a sale.

Further, in the method for providing an online shopping payment settlement service according to an embodiment of the present invention, the first server 130 stores transaction details of transactions by the first online seller on the online shopping site and creates a transaction details database 135. The method may further include a step of generating a transaction breakdown database (not shown).

Hereinafter, with reference to FIGS. 1 and 2, a method for providing an online shopping payment settlement service according to an embodiment of the present invention will be explained in detail in each step.

First, in the early settlement application receiving step (S110), the first server 130 of the online shopping site receives an application for early settlement of sales charges from the first online seller of the online shopping site.

Here, the online seller terminal 120 may be connected to a first server 130 via a communication network 150, so that the online seller can use the online seller terminal 120 to sell on the online shopping site. 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 for applying for early settlement of sales proceeds, and thereby the online seller terminal 120 can provide the online seller terminal 120 with the web page, etc. The first online seller's application for early settlement of sales proceeds may be transmitted to the first server 130 using the first online seller.

Next, in the step of determining whether or not early settlement is acceptable (S120), the first server 130 allows early settlement of sales proceeds to the first online seller using transaction details of the first online seller on the online shopping site. Decide whether or not to allow it.

At this time, in the step of determining whether or not early settlement is acceptable (S120), the first server 130 uses a transaction breakdown database 135 that includes transaction breakdowns for a predetermined period of transactions by the first online seller at the online shopping site. Accordingly, it can be determined whether or not to allow early settlement of the sales proceeds to the first online seller.

To this end, in the transaction details database generation step (not shown), the first server 130 accumulates transaction details of the first online seller's transactions on the online shopping site for a predetermined period, and A breakdown database 135 can be generated.

Furthermore, in the transaction breakdown database generation step (not shown), the transaction breakdown database 135 may be updated to reflect the transaction breakdown of the first online seller at the online shopping site in real time, thereby: In the step of determining whether or not early settlement is permitted (S120), the first server 130 reflects the real-time updated transaction details of the first online seller and determines whether early settlement is permitted for the first online seller. You can judge whether or not.

In addition, in the step of determining whether or not early settlement is acceptable (S120), the first server 130 of the online shopping site does not provide the transaction details information to the first online seller to the outside, and the You can decide whether or not to allow early payment.

Accordingly, in the online shopping payment settlement service providing method according to the embodiment of the present invention, in the early settlement permission determination step (S120), the first server 130 It is possible to determine whether or not to allow early settlement for the first online seller by reflecting the transaction details in real time, and further, the first server 130 transmits the transaction details information for the first online seller to the outside. Leaking sensitive personal information such as transaction details of the first online seller to the outside by deciding whether to allow early settlement of sales proceeds to the first online seller without providing the information. It is possible to use various information to more accurately select online sellers that allow early payment of sales proceeds.

Next, in the step of early settlement of sales proceeds (S130), the sales proceeds for the products purchased by the first online purchaser from the first online seller on the online shopping site are transferred to the first online seller for early settlement. Pay earlier than the time of payment if not allowed.

Accordingly, the first online seller may, for example, pay the sales price for the product sold to the first online purchaser via the online shopping site before the first online purchaser confirms the purchase. Payment can be made in advance on the day after delivery or on the next business day.

Furthermore, in the method for providing an online shopping payment settlement service according to an embodiment of the present invention, in the early settlement application receiving step (S110), a credit transfer contract or a lending contract for the sales proceeds of the first online seller is separately concluded. The first online seller can easily process the application procedure for early settlement of sales proceeds without having to By paying the price directly to the first online seller without going through a third party, the first online seller can easily and easily pay the sales price on the online shopping site without having to pay additional charges such as separate fees. You can get paid quickly.

In addition, for the online shopping site operator, by supporting the online seller to pay the sales price on the online shopping site more conveniently and quickly, the online shopping site operator can improve the business results of the online seller, and It is possible to derive positive effects for both parties in that loyalty to the shopping site can be strengthened and the online shopping site can be revitalized in the long term.

More specifically, in the application process for online shopping payment settlement according to an embodiment of the present invention, the first server 130 sends data to a financial data center (FDC) provided in the transaction details database 135. Considering the stored monthly transaction amount data and return rate data of each online seller, it is possible to select a primary target person to whom early settlement of sales proceeds is provided.

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

At this time, the first server 130 may perform a promotion process such that the first target person applies for early settlement of sales proceeds on the online shopping site, but the present invention is not limited thereto.

Next, the first server 130 uses a credit scoring system (CSS) to determine whether the first online seller who has applied for early settlement of the sales price at the online shopping site has bad credit. In consideration of this, it may be determined whether the first online seller is included in the list of eligible customers for early settlement of sales proceeds.

Thereafter, in the step of paying the online shopping fee according to an embodiment of the present invention, the first server 130 determines whether early payment of the sales fee for the product of the first online seller purchased by the first online purchaser is possible. In order to do so, we use a fraud detection system (FDS) to determine whether the transaction falls under a negotiated transaction, and use order breakdown data to determine whether it falls under early payment exclusions such as overseas shipping. do.

Additionally, the first server 130 may use the fraud detection system (FDS) to determine whether the first online seller is a blacklisted seller.

In addition, the first server 130 may use the order details data to check whether the first online purchaser has requested a return, and may exclude the purchaser from being eligible for early payment.

In addition, the first server 130 may be excluded from early payment targets if the return ratio for the first online seller exceeds a predetermined threshold using the fraud detection system (FDS).

Thereby, the sales price for the transaction that is finally determined to be subject to early payment through the series of processes described above is paid in advance to the first online seller.

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

As described above, in the present invention, in the step of determining whether or not early payment is permitted (S120), the first server 130 allows the first online seller to make early payment using a risk detection model built in advance. The method may include a risk determination step (not shown) for determining whether there is a risk in the case where the method is carried out.

At this time, as shown in FIG. 3, the risk detection model 410 includes the return rate 401 of the first online seller, the volatility of sales amount 402, and the business duration of the first online seller on the online shopping site. The first online seller may be constructed by reflecting seller information 403 such as, relative transactions or abnormal transaction history 404 of the first online seller.

Further, in the risk determination step (not shown), the risk detection model 410 includes a first evaluation item for transaction volatility in the past transaction breakdown of the first online seller, and It is possible to determine whether there is a risk in allowing early payment to the first online seller by considering the second evaluation item regarding the risk of problem occurrence in the past transaction details.

More specifically, in the risk detection model 410, the first evaluation item is any of the online business period of the first online seller at the online shopping site, the sales amount fluctuation rate by period, and the fluctuation rate of purchaser characteristics by period. The volatility of transactions with the first online seller is determined by reflecting one or more of the above, and as the second evaluation item, among the transactions of the first online seller, the history of defective sales incidents, relative The risk of a problem occurring for the first online seller can be determined by reflecting one or more of the transaction detection history, the return rate, and the abnormal transaction detection history.

For example, as shown in Figure 4, there is a pattern in which the sales amount of an online seller suddenly declines after a sudden rise (Figure 4 (a)), and a pattern in which the sales amount continues to decrease (Figure 4 (b)). ), or the sales amount shows a pattern of unstable increases and decreases, the Company determines that the risk of problems occurring with the first online seller is considerable, and requests early payment of sales proceeds to the first online seller. It can be determined that it is not possible.

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

Further, if the risk detection model 410 does not recognize the risk of a problem occurring with respect to the first online seller, then the first online seller may, for example, engage in negotiable transactions, point fraud, current financial transaction, etc. It is possible to check whether the product is included in the blacklist for some reason (430), and to cancel early payment of sales proceeds (450).

In addition, as shown in FIG. 3, in addition to the judgment made by the risk detection model 410, order breakdown data of the first online purchaser is used to determine whether the order corresponds to a bilateral transaction, corresponds to overseas delivery, or is not delivered. , or if the order has been requested for return (440), early payment of the sales price can be canceled (450).

Further, in the online shopping payment settlement system 100, device, and method according to an embodiment of the present invention, the risk detection model 410 is configured to perform machine learning for cases in which an early payment accident occurs among a plurality of online sellers of the online shopping site. may be constructed using

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

At this time, as shown in FIG. 5, the risk detection model 410 determines the degree of relevance to the early payment incident case among the multiple items included in the transaction details of the multiple online sellers of the online shopping site. It may be constructed by selecting one or more evaluation items as a standard ((a) in FIG. 5).

As a more specific example, (a) in FIG. 5 shows a case where the online seller's sales volatility (VARIATION_PER_1MON) and return rate (REFUND_RATIO_1MON) are determined to be 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 using a decision tree model. ((b) of FIG. 5).

As a more specific example, FIG. 5B shows 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 calculates an F1 score (f1-score) that reflects the values of precision and recall for the one or more evaluation items. may be used to calculate and construct a risk judgment standard value for the first online seller ((c) of FIG. 5).

As a more specific example, FIG. 5C shows a case where the risk existence determination reference value for the first online seller is at the 0.08 level and has the optimal risk detection model performance.

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

At this time, as shown in FIG. 6, in the online shopping payment settlement system 100 and method according to an embodiment of the present invention, the first online seller's sales volatility, relative transaction history, abnormal transaction history, payment hold history, etc. etc. (510), the degree of risk when early settlement is permitted for the first online seller can be calculated (530), and if the calculated degree of risk is greater than a predetermined reference value, Early payment of sales proceeds to one online seller may be withheld (540).

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

In addition, FIG. 7 shows a process of applying for early payment of sales charges from a first online seller and determining whether or not to be eligible for early payment of sales charges, in the online shopping payment settlement system 100, device, and method according to an embodiment of the present invention. FIG.

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

Next, in step S1120, it is determined whether the first online seller is included in the primary target audience calculated by considering monthly transaction amount, return rate, and the like.

At this time, if the first online seller is included in the first target audience, it is determined in step S1140 whether it is possible to use a separate early payment service such as quick escrow of the first online seller.

In step S1150, the first online seller is requested to agree to the terms and conditions for early payment of sales proceeds and the use of personal information.

In step S1160, the first online seller is authenticated.

Also, in step S1170, it is determined whether the representative matches the first online seller.

Also, in step S1180, the credit information of the first online seller is inquired to determine whether the first online seller has bad credit.

After completing the above-mentioned series of steps, the application for early payment of sales proceeds to the first online seller is completed (S1190), and the early payment service of sales proceeds is provided to the first online seller selected as a target for early payment of sales proceeds. Apply.

Furthermore, although it has been 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 the first server 130 In the shopping payment settlement system 100, apparatus and method, the first server 130 is implemented and operated independently of the online shopping site or the shopping service providing system, and pays the sales fee to the online seller of the online shopping site. It is also possible to allow online buyers to pay in advance before finalizing their purchase.

Furthermore, a computer program according to another aspect of the present invention is a computer program for combining with hardware and causing the processor of the hardware to execute each step of the above-described online shopping payment settlement service providing method. The information may be permanently stored on a computer-readable medium or may be stored on a temporary basis for execution or downloading. 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 notebook computer, but is any computer equipped with a central processing unit (CPU) that can execute a computer program, such as a server, smartphone, tablet PC, PDA, or mobile phone. Also includes information processing equipment. Further, the computer-readable medium may be a variety of recording means or storage means in the form of a single piece of hardware 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 connected directly to a certain computer system. It may also be dispersed. Examples of media include electronic storage media (e.g., ROM, flash memory, etc.), magnetic storage media (e.g., floppy disks, hard disks, etc.), and optical readable media (e.g., CD-ROM, DVD, etc.). including any computer-readable storage medium. Examples of other media include application stores that distribute applications, sites that supply or distribute various software, and recording media or storage media that are managed by servers or the like.

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, a server 130 for online shopping payment settlement according to an embodiment of the present invention includes an early settlement application receiving section 131, an early settlement permission determination section 132, and a sales price early settlement section 133. may be configured.

Furthermore, the server 130 for online shopping payment settlement according to an embodiment of the present invention includes a transaction details database 135 that is generated by accumulating transaction details of transactions by the first online seller at the online shopping site. It may also be included.

Next, each component of the server 130 for online shopping payment settlement according to an embodiment of the present invention will be explained. Further, for more detailed information regarding the server 130 for online shopping payment settlement according to an embodiment of the present invention, please refer to the online shopping payment settlement system 100 and method according to an embodiment of the present invention shown in FIGS. 1 to 7 described above. The detailed description will be omitted since it can be implemented using various embodiments similar to the above.

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

Further, the early settlement permissibility determining unit 132 uses transaction details of the first online seller on the online shopping site to determine whether early settlement of sales proceeds for the first online seller is permitted. .

In addition, the server 130 for online shopping payment settlement includes a transaction breakdown database generation unit (not shown) that accumulates transaction breakdowns of the first online seller's transactions at the online shopping site and generates a transaction breakdown database. may further be 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 at the online shopping site in real time, and therefore, The early settlement permission determination unit 132 may determine whether early settlement is permitted for the first online seller by reflecting the transaction details of the first online seller that are updated in real time.

The early payment permissibility determination unit 132 also includes a risk existence determination unit (132) that uses a pre-built risk detection model to determine whether there is a risk in allowing early payment to the first online seller. (not shown) may be included.

At this time, in the risk existence determination unit (not shown), in the risk detection model, the first online seller's It is possible to determine whether there is a risk in allowing early payment to the first online seller by considering the second evaluation item regarding the risk of occurrence of a problem in the past transaction details.

Further, as the first evaluation item, one or more of the online business period of the first online seller's online shopping site, the rate of change in sales amount by period, and the rate of change in buyer characteristics by period are reflected. The volatility of transactions with the first online seller is determined, and the second evaluation items include the history of defective sales incidents, the history of detection of bilateral transactions, the return rate, and the detection of abnormal transactions among the transaction details of the first online seller. The risk of a problem occurring with respect to the first online seller can be determined by reflecting one or more of the histories.

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

At this time, the risk detection model evaluates one or more evaluation items based on the degree of association with the early payment accident occurrence case among the multiple items included in the transaction details of the multiple online sellers of the online shopping site. It may be constructed by selecting the following.

Further, the risk detection model may be 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.

In addition, the risk detection model may be used to evaluate the first online sales using an F1 score (f1-score) that reflects values of precision and recall for the one or more evaluation items. It may be constructed by calculating each reference value for one or more evaluation items for the risk level of the person.

In addition, the early settlement permissibility determining unit 132 does not provide the transaction details information for the first online seller to the outside, and independently judges whether or not to allow early settlement of the sales proceeds for the first online seller. can do.

In addition, the sales proceeds early settlement unit 133 collects the sale proceeds of the products purchased by the first online purchaser on the online shopping site from the time of payment to the first online seller if early settlement is not permitted. Also pay first.

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

Accordingly, the method, device, system, and computer program for providing an online shopping payment settlement service according to an embodiment of the present invention allows an online seller to allow early payment of the sales price before the online purchaser completes the purchase procedure. It is possible to make more accurate judgments and effectively prevent accidents from occurring, and for online sellers, sales can be made without having to go through cumbersome additional procedures such as concluding a receivable transfer contract that incurs fees and other costs. You can pay the price in advance.

The above description is merely an illustrative explanation of the technical idea of the present invention, and a person having ordinary knowledge in the technical field to which the present invention pertains will understand that it does not depart from the essential characteristics of the present invention. Various modifications and variations may be possible. Therefore, the embodiments described in the present invention are not intended to limit the technical idea of the present invention but to explain it, and the present invention is not limited to such embodiments. The protection scope of the present invention should be interpreted in accordance with the attached claims, and any technical ideas within the scope equivalent thereto should be construed as falling within the scope of rights of the present invention. .

100 Online shopping payment settlement system 110 Online purchaser terminal 120 Online seller terminal 130 Server 131 Early settlement application receiving section 132 Early settlement permission judgment section 133 Sales price early settlement section 135 Transaction details database 150 Communication network

Claims (11)

an early settlement application receiving step in which a first server of the online shopping site receives an application for early settlement of sales proceeds from a first online seller of the online shopping site;
The first server determines whether or not early settlement is permitted for the first online seller using transaction details of the first online seller on the online shopping site. ;as well as
The first server sends the online shopping site a sales price for a product purchased from the first online seller by a first online purchaser on the online shopping site, and allows early settlement to the first online seller. Early settlement stage of sales proceeds to be paid earlier than the time of payment if the payment is not made;
including;
At the stage of determining whether or not early settlement is permissible,
the first server uses a pre-built risk detection model to determine whether there is a risk in allowing early payment to the first online seller;
In the risk judgment stage,
In the risk detection model, a first evaluation item regarding the volatility of transactions in the past transaction details of the first online seller and a second evaluation item regarding the risk of problem occurrence in the past transaction details of the first online seller are considered. and determine whether there is any risk in allowing early payment to the first online seller;
Including determining whether to allow early settlement of sales proceeds based on the determined presence or absence of risk ,
The risk detection model is
It is characterized in that it is constructed using machine learning for cases where early payment accidents occur among multiple online sellers of the online shopping site ,
How to provide online shopping payment settlement service. 1 . The first server further comprises: generating a transaction details database by accumulating transaction details of the first online seller's transactions at the online shopping site. The online shopping payment settlement service provision method described in . In the transaction breakdown database generation step,
the transaction breakdown database is updated to reflect the transaction breakdown of the first online seller at the online shopping site in real time;
In the step of determining whether or not early settlement is permissible,
3. The first server according to claim 2, wherein the first server determines whether early settlement is permitted for the first online seller by reflecting transaction details of the first online seller that are updated in real time. The method of providing the online shopping payment settlement service described. As the first evaluation item, the first evaluation item reflects any one or more of the online business period of the online shopping site of the first online seller, the rate of change in sales amount by period, and the rate of change in buyer characteristics by period. Determine the volatility of transactions for online sellers;
As the second evaluation item, one or more of the following is reflected in the transaction details of the first online seller: the history of defective sales incidents, the history of detection of bilateral transactions, the return rate, and the history of detection of abnormal transactions. 2. The method for providing an online shopping payment settlement service according to claim 1 , further comprising determining the risk of a problem occurring for an online seller. The risk detection model is
One or more evaluation items are selected and constructed based on the degree of relationship with the early payment incident case from among the multiple items included in the transaction details of multiple online sellers of the online shopping site. 5. The method for providing an online shopping payment settlement service according to claim 4 . The risk detection model is
6. The evaluation method according to claim 5 , wherein each reference value for the one or more evaluation items is calculated using a decision tree model for the one or more evaluation items. How to provide online shopping payment settlement service. The risk detection model is
Calculate a risk judgment standard value for the first online seller using an F1 score (f1-score) that reflects the values of precision and recall for the one or more evaluation items. 7. The online shopping payment settlement service providing method according to claim 6 , wherein the method is constructed as follows. At the stage of receiving the early settlement application, the first online seller does not separately conclude a credit transfer contract or loan contract for the sales proceeds;
Claim 1, wherein in the early settlement of sales proceeds, the operator of the online shopping site directly pays the sales proceeds held by the operator of the online shopping site to the first online seller without going through a third party. Or the online shopping payment settlement service providing method described in 2. In the step of determining whether or not early settlement is permissible,
The first server of the online shopping site may decide on its own whether to allow early settlement of the sales proceeds to the first online seller without providing transaction details information to the first online seller to the outside. 9. The method for providing an online shopping payment settlement service according to claim 1, characterized in that: A computer program for combination with hardware and causing a processor of said hardware to carry out the steps of the method according to any one of claims 1 to 9 . A device for settling shopping charges on an online shopping site,
an early settlement application receiving unit that receives an application for early settlement of sales proceeds from a first online seller of the online shopping site;
an early settlement permissibility determination unit that determines whether or not early settlement of sales proceeds for the first online seller is permitted using transaction details of the first online seller at the online shopping site; and a sales proceeds early settlement unit that pays the sales proceeds of the products purchased by the first online purchaser before the time of payment if early settlement to the first online seller is not permitted;
including;
In the early settlement permissibility judgment unit,
the first server uses a pre-built risk detection model to determine whether there is a risk when allowing early payment to the first online seller;
In the risk judgment department,
In the risk detection model, a first evaluation item regarding the volatility of transactions in the past transaction details of the first online seller and a second evaluation item regarding the risk of problem occurrence in the past transaction details of the first online seller are considered. and determine whether there is any risk in allowing early payment to the first online seller;
Based on the determined presence or absence of risk, determine whether or not to allow early settlement of sales proceeds,
The risk detection model is
A device for settling online shopping charges, characterized in that it is constructed using machine learning for cases where early payment accidents occur among a plurality of online sellers of the online shopping site .