KR102644061B1 - Method, apparatus, and system for providing online purchase advance payment service - Google Patents

Abstract

In a device providing an online purchase funds advance payment service, the device includes:
at least one memory;
at least one communication module including circuitry; and
Contains at least one processor,
The at least one processor,
Receiving business information for applying for the advance payment service and information on products to be sold in an online market operated by the seller from a first terminal device used by the seller;
Based on the fact that a specific product of the seller is purchased by a buyer in the online market and a message requesting the advance payment service is received from the first terminal device, the specific product is sent to a specific wholesaler or manufacturer supplying the specific product. pay the purchase price in advance on behalf of the seller;
confirming whether sales information of the specific product received from a second terminal used by the specific wholesaler or the manufacturer matches sales information of the specific product in the online market; and
Based on the amount paid by the buyer, all costs including the prepaid principal and usage fee are repaid to the device within the amount settled in the online market to the seller, and based on the repayment result, the seller's prepayment service A device configured to build a usage history database.

Description

{METHOD, APPARATUS, AND SYSTEM FOR PROVIDING ONLINE PURCHASE ADVANCE PAYMENT SERVICE}

The present disclosure relates to a method, device, and system for providing an advance payment service for online purchase funds, and more specifically, to a method, device, and system for providing an advance payment service for purchasing funds for a product to a business that purchases products from a wholesaler or manufacturer and sells them through an online shopping mall. It relates to a method, device, and system for providing integrated financial services including settlement management.

As information and communication technology develops, the number of Internet-based online shopping malls and the size of the related market are growing exponentially. Accordingly, various types of online sales methods are spreading, and in particular, the online sales method in the form of a purchasing agency that purchases products from large wholesalers and manufacturers not only domestically but also overseas and sells them through online shopping malls is rapidly increasing.

Purchasing agency sellers who first purchase and sell products through wholesalers or manufacturers are having difficulty securing operating funds due to the gap between the purchase date of the product and the sales settlement deposit date, and there is an urgent need to come up with a solution to this problem. am. Meanwhile, from the perspective of providing financial services, there is no way to hedge or manage financial risks due to the relatively long repayment recovery period of the purchasing agency sales business, uncertainty in business forecasts, and difficulty in securing collateral. Despite the need, it is difficult to provide an advance payment service for purchase funds.

Registered Patent Publication No. 10-2028482, 2019.09.27

The present disclosure was designed to solve the above-described problems, and the purpose of the present disclosure is to provide a method, device, and system for providing an online purchase advance payment service.

The problems to be solved by the present disclosure are not limited to the problems mentioned above, and other problems not mentioned can be clearly understood by those skilled in the art from the description below.

According to an embodiment of the present disclosure, a method of providing an online purchase fund advance payment service performed by a device includes business information for applying for the advance payment service from a first terminal device used by a seller and an online market operated by the seller. Receiving product information for sale; Based on the seller's specific product being purchased by the buyer in the online market and the message requesting the advance payment service being received from the first terminal device, the specific product is provided to a specific wholesaler or manufacturer supplying the specific product. Prepaying the purchase price on behalf of the seller; confirming whether sales information for the specific product received from a second terminal used by the specific wholesaler or manufacturer matches sales information for the specific product in the online market; and a database of the seller's prepayment service usage history based on the repayment of all costs, including the prepaid principal and usage fee of the specific product prepaid, to the device within the amount settled in the online market to the seller out of the amount paid by the buyer. It may include steps to build.

And, the step of receiving the business information and the product information includes determining whether the seller's qualification conditions meet predefined conditions based on the business information and the product information of the online market; and transmitting a message containing usage conditions of the prepaid service to the first terminal device based on determining that the qualification conditions of the seller meet the predefined conditions.

The business information includes the seller's personal information, online market information operated by the seller, and financial information related to the seller,

Product sales information in the online market includes i) the name of the seller selling in the online market, the seller's representative, product type, product name, product identification number, sales amount, settlement amount, and ii) the specific wholesaler. Financial information related to the seller includes the product name, product identification number, sales price, and sales quantity supplied to the online market, and with the seller's consent, the seller's main bank account information, settlement account information, credit evaluation information, national and local taxes It may include at least one of payment history and medical insurance payment history.

In addition, the step of prepaying the purchase price of the specific product is based on receiving a message requesting the prepayment service, whether the purchase price of the specific product exceeds the one-time advance payment application limit and the product of the specific product. It may include a step of determining whether the accumulated total amount of prepayment usage due to payment exceeds the total amount of prepayment usage limit.

In addition, the method is based on the determination that the purchase price of the specific product exceeds the one-time advance payment application limit or that the total accumulated advance payment usage due to the product price of the specific product exceeds the total advance payment usage limit, It may include transmitting a message rejecting an application for prepaid service to the first terminal device.

In addition, the seller's prepayment service usage history database may include the remaining contract period for the prepayment service, the total amount prepaid, the settlement delinquency rate for the prepaid amount, abnormal sales amount, abnormal sales rate, and arbitrary change in payment method.

Additionally, the method includes calculating an evaluation score of the seller based on a database of the seller's prepaid service usage history; And it may further include updating the qualification conditions of the seller based on the calculated seller evaluation score.

In addition, the step of updating the seller evaluation score may further include increasing the numerical value related to the predefined condition by a preset value based on the calculated seller evaluation score being less than a threshold. .

According to an embodiment of the present disclosure, an apparatus for providing an online purchase fund advance payment service includes at least one memory; at least one communication module including circuitry; and at least one processor, wherein the at least one processor receives business information for applying for the prepaid service and information on products to be sold in an online market from a first terminal device used by a seller; Based on a specific product being purchased by a buyer in the online market and a message requesting the advance payment service being received from the first terminal device, the purchase price of the specific product is paid to a specific wholesaler or manufacturer supplying the specific product. pay in advance; confirming whether sales information for the specific product received from a second terminal used by the specific wholesaler matches sales information for the specific product in the online market; and the use of the seller's prepayment service based on the repayment results, based on the repayment of all costs, including the prepaid principal and usage fee, to the device within the amount settled in the online market to the seller among the amount paid by the buyer. It can be set to build a history database.

In one embodiment of the present disclosure, a method, apparatus, and system for providing an online purchase fund advance payment service may be provided.

In addition, in one embodiment of the present disclosure, operators engaged in an online purchase agency sales business are freed from limitations on purchase funds and are able to secure sales products stably from wholesalers or manufacturers, thereby enabling them to focus on selling their own products. do.

In addition, in one embodiment of the present disclosure, a wholesaler or manufacturer that provides an online purchase fund prepayment service through service linkage can provide a service that supports purchase funds to purchasing agent sellers, thereby providing a differentiated service compared to other companies. Competitiveness can be secured.

In addition, as an embodiment of the present disclosure, it is possible to provide specialized financial services to purchasing agency sales operators through a device that can reasonably manage the financial risks of online purchasing agency sales operators.

The effects of the present disclosure are not limited to the effects mentioned above, and other effects not mentioned may be clearly understood by those skilled in the art from the description below.

1 is a diagram briefly illustrating a system for implementing a method of providing an online purchase fund advance payment service according to an embodiment of the present disclosure.
Figure 2 is a block diagram briefly illustrating an apparatus for providing an online purchase fund advance payment service according to an embodiment of the present disclosure.
Figure 3 is a flowchart for explaining a method of providing an online purchase fund advance payment service performed by a device, according to an embodiment of the present disclosure.
Figure 4 is a flowchart for explaining a method of using/providing an online purchase fund advance payment service according to an embodiment of the present disclosure.

The advantages and features of the present disclosure and methods for achieving them will become clear by referring to the embodiments described in detail below along with the accompanying drawings. However, the present disclosure is not limited to the embodiments disclosed below and may be implemented in various different forms. The present embodiments are merely provided to ensure that the disclosure is complete and to provide a general understanding of the technical field to which the present disclosure pertains. It is provided to fully inform those skilled in the art of the scope of the present disclosure, and the present disclosure is defined only by the scope of the claims.

The terminology used herein is for the purpose of describing embodiments and is not intended to limit the disclosure. As used herein, singular forms also include plural forms, unless specifically stated otherwise in the context. As used in the specification, “comprises” and/or “comprising” does not exclude the presence or addition of one or more other elements in addition to the mentioned elements.

Like reference numerals refer to like elements throughout the specification, and “and/or” includes each and every combination of one or more of the referenced elements. Although “first”, “second”, etc. are used to describe various components, these components are of course not limited by these terms. These terms are merely used to distinguish one component from another. Therefore, it goes without saying that the first component mentioned below may also be the second component within the technical spirit of the present disclosure.

Unless otherwise defined, all terms (including technical and scientific terms) used in this specification may be used with meanings commonly understood by those skilled in the art to which this disclosure pertains. Additionally, terms defined in commonly used dictionaries are not interpreted ideally or excessively unless clearly specifically defined.

Spatially relative terms such as “below”, “beneath”, “lower”, “above”, “upper”, etc. are used as a single term as shown in the drawing. It can be used to easily describe the correlation between a component and other components. Spatially relative terms should be understood as terms that include different directions of components during use or operation in addition to the directions shown in the drawings.

For example, if a component shown in a drawing is flipped over, a component described as “below” or “beneath” another component will be placed “above” the other component. You can. Accordingly, the illustrative term “down” may include both downward and upward directions. Components can also be oriented in other directions, so spatially relative terms can be interpreted according to orientation.

In this specification, 'device according to the present disclosure' includes all various devices that can perform computational processing and provide results to the user. For example, the device according to the present disclosure may include all of a computer, a server device, and a portable terminal, or may take the form of any one.

Here, the computer may include, for example, a laptop, desktop, laptop, tablet PC, slate PC, etc. equipped with a web browser.

The server device is a server that processes information by communicating with external devices, and may include an application server, computing server, database server, file server, game server, mail server, proxy server, and web server.

The portable terminal is, for example, a wireless communication device that guarantees portability and mobility, such as PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal Handyphone System), and PDA. (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), WiBro (Wireless Broadband Internet) terminal, smart phone ), all types of handheld wireless communication devices, and wearable devices such as watches, rings, bracelets, anklets, necklaces, glasses, contact lenses, or head-mounted-device (HMD). may include.

Hereinafter, a method and device for providing an online purchase fund advance payment service will be described in detail with reference to the drawings.

1 is a diagram briefly illustrating a system for implementing a method of providing an online purchase fund advance payment service according to an embodiment of the present disclosure.

As shown in Figure 1, the system 1000 for implementing a method of providing an online purchase fund prepayment service includes a service server (or device according to the present disclosure) 100 and a terminal used by the (purchase agency) seller. It may include a device 200, a device 300 for managing one or more online markets, a device 400 for managing one or more online wholesale malls, and a financial institution server 500.

A service server (or device according to the present disclosure) included in the system 1000 100, a terminal device 200 used by a (purchase agency) seller, a device 300 for managing one or more online markets, and one or more The device 400 for managing an online wholesale mall and the financial institution server 500 may communicate through the network (W).

Here, the network W may include a wired network and a wireless network. For example, the network may include various networks such as a local area network (LAN), a metropolitan area network (MAN), and a wide area network (WAN).

Additionally, the network W may include the known World Wide Web (WWW). However, the network (W) according to an embodiment of the present disclosure is not limited to the networks listed above, and may include at least some of a known wireless data network, a known telephone network, and a known wired and wireless television network.

The service server (or device according to the present disclosure) 100 may provide an online purchase fund advance payment service to sellers directly or through a wholesale mall (or wholesaler) or manufacturer. The online purchase fund advance payment service provided to sellers who purchase products through a wholesale mall (or wholesaler) or manufacturer and sell them through an online market is the payment of the product purchase price (purchased by the seller) to the wholesale mall or manufacturer. This refers to a type of financial service in which payment is made first and automatic repayment is made when the price for products sold through an online market is settled and deposited.

The service server 100 may screen the seller's qualifications based on business information and product information received from the terminal device 200 used by the seller. If the qualification conditions meet the predefined conditions, the service server 100 can set the usage conditions including the prepayment usage fee, the total prepayment usage limit, and the one-time prepayment application limit.

When a specific product sold by a seller in the online market 300 is purchased by a buyer and a message requesting advance payment service is received from the first terminal device, the service server 100 contacts a specific wholesaler 400 that supplies the specific product. The purchase price (i.e. wholesale price) of a specific product can be paid in advance. When the sales amount (i.e., retail price) of a specific product is settled and deposited by the buyer, the service server 100 uses the amount paid in advance through the settled deposited amount from the financial institution server 500 that manages the seller's account. You may be reimbursed for all costs, including fees.

(Purchase agency) The terminal device 200 used by the seller may transmit business information and sales information for applying for an online purchase fund advance payment service to the service server 100. When a specific product is purchased by a buyer in the online market 300 managed by the seller, the terminal device 200 used by the seller may transmit a message requesting an advance payment service to the service server 100.

The operations of the service server (or device according to the present disclosure) 100 and the terminal device 200 used by the seller related to this will be described in detail with reference to FIGS. 3 and 4.

Figure 2 is a block diagram briefly illustrating the configuration of a device that provides an online purchase fund advance payment service according to an embodiment of the present disclosure.

As shown in FIG. 2 , device 100 may include memory 110, communication module 120, display 130, and processor 140.

However, the configuration shown in FIG. 2 is an illustrative diagram for implementing embodiments of the present disclosure, and appropriate hardware and software configurations that are obvious to those skilled in the art may be additionally included in the server 100.

The memory 110 may store one or more instructions for the processor 140 to perform various operations. The memory 110 can store data supporting various functions of the server 100 and a program for the operation of the processor 140, and can store input/output data (e.g., the first terminal device used by the seller). Business information and sales information received from, seller's service use history database, etc.) can be stored.

The memory 110 can store a transaction history database for commercial license plates owned by each transportation business.

The memory 110 is a flash memory type, hard disk type, solid state disk type, SDD type (Silicon Disk Drive type), and multimedia card micro type. ), card-type memory (e.g. SD or XD memory, etc.), random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), EEPROM (electrically erasable programmable read) -only memory), PROM (programmable read-only memory), magnetic memory, magnetic disk, and optical disk may include at least one type of storage medium.

The communication module 120 includes one or more components including a circuit that enables communication with an external device (e.g., a first terminal device, a second terminal device used by a wholesaler, and/or a server used by a financial institution, etc.) It can be included. For example, the communication module 120 may include at least one of a broadcast reception module, a wired communication module, a wireless communication module, a short-range communication module, and a location information module.

The display 130 displays information processed by the server 100 (e.g., business information and sales information received from the first terminal device used by the seller, the seller's service use history database, the seller's qualification conditions, and/or service use). Displays (outputs) a UI indicating conditions, etc.

For example, the display displays information on the execution screen of an application running on this server 100 (for example, an application that provides a service for managing license plate transaction details for transportation), or a UI (User Interface) according to this execution screen information, GUI (Graphic User Interface) information can be displayed.

The processor 140 may provide an online purchase advance payment service by executing one or more instructions stored in the memory 110. That is, the processor 140 can control overall operations and functions using each component of the device 100.

Specifically, the processor 140 has a memory that stores data for an algorithm for controlling the operation of components within the server 100 or a program that reproduces the algorithm, and performs the above-described operations using the data stored in the memory. It may be implemented with at least one processor (not shown). At this time, the memory and processor may each be implemented as separate chips. Alternatively, the memory and processor may be implemented as a single chip.

In addition, the processor 140 can control any one or a combination of the above-described components in order to implement various embodiments according to the present disclosure described in FIGS. 3 and 4 below on the device 100. You can.

Figure 3 is a flowchart for explaining a method of providing an online purchase fund advance payment service performed by a device, according to an embodiment of the present disclosure.

The device may receive business information for applying for prepayment service and information on products to be sold in the online market from the first terminal device used by the seller (S310).

Here, business information includes the seller's personal information (for example, membership registration information or/and the seller's member information on a wholesale mall) and financial information (or service application information) related to the online market operated by the seller and the seller. can do.

For example, the membership registration information includes at least one of the following: the name of the company operated by the seller, the name of the company's representative, the company location, the business type, the year of establishment of the company, the business registration certificate number, the online market operated, and the ID of the online market. may include.

The member information of the seller in the wholesale mall includes at least the following: company name, company representative name, business registration certificate number, wholesale mall ID, wholesale mall subscription date, wholesale mall sales history, purchase growth rate for the past 3 months, and wholesale mall member deposit account information. It can contain one.

Seller information on the online market operated by the seller may include at least one of the name of the company, the name of the company's representative, company location, member ID, sales amount, sales quantity, return amount, and settlement amount, and the seller's financial information. may include at least one of main bank account information, settlement account information, credit evaluation information, national and local tax payment history, and medical insurance payment history.

Product information to be sold in the online market includes i) wholesale mall product information (e.g., product name, product ID, product image, wholesale mall product selling price, recommended product selling price, other product information, etc.), ii) online market. It can include the type of product being sold, sales price, product identification number, etc.

The device can determine whether the seller's qualification conditions meet predefined conditions based on business information and product information. Based on the determination that the seller's qualification conditions meet predefined conditions, the device may transmit a message containing the conditions for using the prepaid service to the first terminal device. That is, if the seller's eligibility conditions are met, the device can enter into a contract with the seller related to prepaid services with set usage conditions.

The terms of use of the prepayment service include the prepayment fee, the total limit of prepayment use, and the limit of one prepayment application, and the prepayment fee, the total limit of prepayment use, and the limit of one prepayment application include the business received from the terminal device used by the seller. It can be determined by comprehensively analyzing information and product information, purchase history information from wholesalers and manufacturers, and sales information from online markets. Operations related to this will be described in detail with reference to FIG. 4.

Based on a specific product being purchased (i.e. sold) by a buyer in an online market operated by a seller and a message requesting advance payment service being received from the first terminal device, the device is connected to a specific wholesaler supplying the specific product and/or The purchase price (i.e. wholesale price) of the seller's specific product can be paid in advance to the manufacturer on behalf of the seller (S320).

Specifically, based on receiving a message requesting prepayment service, the device determines whether the purchase price of a specific product exceeds the one-time prepayment application limit and whether the total accumulated prepayment usage due to the product price of a specific product exceeds the total prepayment usage limit. You can judge whether it exceeds it or not. That is, when the advance payment service is applied for by the seller, the device can check whether the advance payment amount meets the usage conditions.

Based on the judgment that the purchase price of a specific product exceeds the one-time prepayment application limit or that the total accumulated prepayment usage due to the product price of a specific product exceeds the total prepayment usage limit, the device sends a message rejecting the application for prepayment service to the seller. It can be transmitted to the first terminal device used by.

Based on the determination that the purchase price of a specific product does not exceed the one-time prepayment application limit and that the total accumulated prepayment usage due to the product price of a specific product does not exceed the total prepayment usage limit, the device determines the purchase price of a specific product Advance payment can be made to the wholesaler that supplies the product. For example, the device may advance the wholesale price of a specific product to a designated account of a wholesaler or manufacturer associated with the seller.

The device may check whether sales information for a specific product received from a second terminal device used by a specific wholesaler matches sales information for a specific product in an online market (S330).

In other words, the device collects sales information of a specific product in an online market operated by the seller (e.g., sales price, sales quantity, product identification number, payment amount, delivery status, scheduled settlement date, and scheduled settlement amount of a specific product sold in the online market). And wholesalers can check whether the sales information of a specific product (e.g., product sold, product identification number, sales date, sales unit price, sales quantity, payment amount, sales deposit, etc.) matches.

Based on the amount paid by the buyer, all costs, including the prepaid principal and usage fee (for a specific product paid in advance), are repaid to the device (or an account connected to the device) within the amount settled in the online market to the seller. Based on the repayment results, the seller's prepayment service history database can be built/updated (S340).

For example, when a buyer purchases a specific product in an online market, the purchase price (i.e. retail price) paid may be settled and deposited into the seller's account. The amount paid by the buyer, minus the online market usage fee and taxes, can be settled and deposited into the seller's account.

Based on the retail payment being credited to the seller's account, the device includes the purchase amount of the specific product (i.e. wholesale payment) and the usage fee advanced by the seller (i.e. from the seller's account) to the supplier within the retail payment. All expenses incurred can be automatically reimbursed.

For example, the device may automatically receive repayment of the purchase price of a specific product (i.e., wholesale payment) prepaid to the supplier within the retail payment through a financial institution server connected to the seller's account.

When the purchase price of a specific product prepaid by the seller to the supplier is automatically repaid, the device can build/update the seller's prepaid service history database.

Here, the seller's prepayment service history database may include the remaining contract period for the prepayment service, the total prepaid amount, the settlement delinquency rate for the prepaid amount, the abnormal sales occurrence rate, the usage amount increase rate, and the abnormal settlement occurrence rate.

The device may calculate the seller's evaluation score based on the seller's prepaid service history database. For example, the higher the settlement delinquency rate, abnormal sales occurrence rate, and/or abnormal settlement occurrence rate for prepaid payments, the higher the device may set the seller's evaluation score to a lower value.

The device may update the seller's qualification conditions based on the calculated seller's evaluation score. For example, based on the calculated seller's evaluation score being less than a threshold, the device may increase a numerical value related to a predefined condition by a preset value. That is, if the seller's evaluation score is below the threshold, the device can set the seller's qualification conditions more strictly.

Figure 4 is a flowchart for explaining a method of providing an online purchase fund advance payment service according to an embodiment of the present disclosure.

The first terminal device used by the seller can apply for the online purchase fund advance payment service (S410). For example, you can apply for the online purchase funds advance payment service on an application/website that provides the online purchase funds advance payment service provided/managed by the device.

After applying for the online purchase fund prepayment service, the first terminal device used by the seller enters business information (e.g., seller's personal information and/or financial information, etc.) on the application/website (i.e., business information is transmitted to the device). transmission) can be performed (S415).

At this time, the first terminal device provides not only business information but also product sales information of wholesalers (or wholesale malls) and manufacturers (e.g., product sold, product identification number, date of sale, unit price of sale, quantity sold, payment amount, sales Deposit, etc.) and online market sales information (e.g., product sold, product identification number, sales price, payment amount, delivery status, scheduled settlement date, scheduled settlement amount, etc.) can be entered.

As another example, the device may obtain the seller's financial information (with the seller's consent) from a financial institution connected to the seller. As another example, the device may obtain wholesaler product sales information from a terminal device used by the wholesaler.

The device can screen the seller's qualifications based on business information and product sales information (S420).

Specifically, the device may obtain intermediate data by applying predefined weights to each of the seller's personal information, financial information, and product sales information. For example, the device may calculate the first intermediate data by applying a first weight to the credit evaluation score among the seller's financial information, and calculate the second intermediate data by applying a second weight to the business size among the business information. The device may add up the calculated intermediate data to calculate a final score indicating the seller's qualifications.

If the seller's qualification condition (e.g., final score) is less than or equal to a predefined value, the device may determine that the seller's qualification condition does not meet the predefined condition and reject the service application. If the seller's qualification conditions exceed the predefined value, the device may determine that the seller's qualification conditions meet the predefined conditions and approve the service application.

The device may enter into a contract with the seller for an online purchase fund advance payment service (S430). At this time, the device can set the terms of use of the seller's service.

At this time, the conditions for using the prepayment service may include a prepayment fee, a limit on the total amount of prepayment use, and a limit on one application for prepayment. The device may determine the prepayment usage fee, the total prepayment usage limit, and the one-time prepayment application limit based on business information and product information.

For example, the device evaluates the seller's risk based on the seller's business information (e.g., personal information and financial information) and product information, and sets the total advance payment usage limit and one-time advance payment application limit as the first value as the risk increases. You can.

For example, as the seller's credit evaluation score and/or the scale of the business increases, the device may set the total advance payment usage limit and the one-time advance payment application limit to a second value that is higher than the first value.

As a specific product is purchased in an online market operated by a seller, the first terminal device may transmit a message requesting advance payment for the product to a wholesaler supplying the specific product (S435).

The device can check whether the service applied for by the seller meets preset usage conditions (S440).

In other words, the device can check whether the advance payment amount applied by the seller is within the total advance payment usage limit and the one-time advance payment application limit.

For example, if the advance payment amount requested by the seller is not within the total advance payment usage limit and the one-time advance payment application limit, the device may transmit a message indicating that payment is rejected to the first terminal device.

For example, if the advance payment amount requested by the seller is within the total advance payment usage limit and the one-time advance payment application limit, the device can prepay the product price to the wholesaler (S445). Specifically, the device can prepay for goods through the seller's wholesaler-designated account.

The device may check whether sales information for a specific product received from a second terminal used by a specific wholesaler matches sales information for a specific product in an online market (S450).

In other words, the device can check whether the prepaid product price is the price of a product supplied by a specific wholesaler to the seller and whether the prepaid product price is a product purchased by the buyer in an online market.

If the sales information for a specific product received from the second terminal device used by a specific wholesaler does not match the sales information for the specific product in the online market, the device can identify the sales information as abnormal and re-confirm it. If the sales information is determined to be abnormal, the device may terminate the online payment service contract.

When the amount paid by the buyer is settled and deposited into the seller's account, the amount prepaid by the device within the settled amount can be repaid/settled to the account connected to the device.

At this time, the device stores online market settlement information (e.g., product name sold in the online market, product identification number, sale date, settlement deposit date, settlement deposit amount, etc.) and financial institution deposit information (e.g., bank name, account number, deposit amount, etc.) Manage advance payment settlement information (e.g., advance payment date, advance payment amount, accumulated advance amount, advance repayment date, repayment principal, payment usage fee, remittance fee, prepayment principal balance, etc.) based on date, deposit amount, account balance) You can check (S460).

The device may check whether the online market settlement information and financial institution deposit information match the advance settlement information. If the online market settlement information and financial institution deposit information do not match the advance payment settlement information, the device may determine that the settlement was abnormal and re-confirm.

If the online market settlement information and financial institution deposit information match the prepayment settlement information, the device determines that the settlement has been completed normally and can terminate the contract (S470).

Additionally, the device can build a database of the seller's prepaid service usage history. The device may calculate the seller's evaluation score based on the seller's prepaid service usage history database. The device may update the seller's qualification conditions based on the calculated seller's evaluation score.

Meanwhile, the disclosed embodiments may be implemented in the form of a recording medium that stores instructions executable by a computer. Instructions may be stored in the form of program code, and when executed by a processor, may create program modules to perform operations of the disclosed embodiments. The recording medium may be implemented as a computer-readable recording medium.

Computer-readable recording media include all types of recording media storing instructions that can be decoded by a computer. For example, there may be read only memory (ROM), random access memory (RAM), magnetic tape, magnetic disk, flash memory, optical data storage device, etc.

As described above, the disclosed embodiments have been described with reference to the attached drawings. A person skilled in the art to which this disclosure pertains will understand that the present disclosure may be practiced in forms different from the disclosed embodiments without changing the technical idea or essential features of the present disclosure. The disclosed embodiments are illustrative and should not be construed as limiting.

100: device
110: memory
120: communication module
130: display
140: processor

Claims (10)

In a method of providing an online purchase funds advance payment service performed by a device, the method includes:
Receiving business information for applying for the advance payment service and information on products to be sold in an online market operated by the seller from a first terminal device used by the seller;
Based on the fact that a specific product of the seller is purchased by a buyer in the online market and a message requesting the prepayment service is received from the first terminal device, the information about a specific wholesaler or manufacturer that supplies the specific product to the seller Prepaying the purchase price for a specific product on behalf of the seller;
confirming whether sales information of the specific product received from a second terminal used by the specific wholesaler or the manufacturer matches sales information of the specific product in the online market; and
Based on the amount paid by the buyer, all costs including the prepaid principal and usage fee are repaid to the device within the amount settled in the online market to the seller, and based on the repayment result, the seller's prepayment service Including the step of building a usage history database,
The step of receiving the business information and the product information is,
determining whether qualification conditions of the seller meet predefined conditions based on the business information and product information of the online market; and
Based on determining that the qualification conditions of the seller meet the predefined conditions, transmitting a message containing the conditions of use of the prepaid service to the first terminal device,
The business information includes the seller's personal information, online market information operated by the seller, and financial information related to the seller,
Product sales information in the online market includes i) the name of the seller selling in the online market, the seller's representative, product type, product name, product identification number, sales amount, settlement amount, and ii) the specific wholesaler. Includes product name, product identification number, sales price, and sales quantity supplied to the online market,
The financial information related to the seller includes at least one of the seller's main bank account information, settlement account information, credit evaluation information, national and local tax payment history, and medical insurance payment history, with the seller's consent,
The conditions for using the advance payment service include the above-mentioned usage fee, the total limit on the use of advance payment, and the limit on one application for advance payment,
The usage fee and advance payment usage total limit and the advance payment one-time application limit are determined by the business information and the product information,
The step of prepaying the purchase price for the specific product is,
Based on the receipt of the message requesting the advance payment service, it is determined whether the purchase price of the specific product exceeds the one-time advance payment application limit and the total accumulated advance payment usage due to the product price of the specific product exceeds the total advance payment usage limit. Including a step of determining whether it exceeds,
Rejecting the application for the advance payment service based on the judgment that the purchase price of the specific product exceeds the one-time advance payment application limit or that the total accumulated prepayment usage due to the product price of the specific product exceeds the total advance payment usage limit comprising transmitting a message to the first terminal device,
The seller's prepayment service usage history database includes the remaining contract period for prepayment service, total amount prepaid, settlement delinquency rate for prepaid amount, abnormal sales amount, abnormal sales occurrence rate, and arbitrary change in payment method,
The device is configured to evaluate the seller's risk based on the seller's business information and product information, and to set the advance payment usage total limit and the advance payment one-time application limit to a first value as the risk increases,
The device is configured to set the total advance payment usage limit and the one-time advance payment application limit to a second value higher than the first value as the seller's credit score or business scale increases,
The device is configured to check whether the prepaid product price is the price of a product supplied by a specific wholesaler to the seller and whether the specific product is a product purchased by a buyer in an online market,
If the sales information of a specific product received from a second terminal device used by a specific wholesaler does not match the sales information of a specific product in the online market, the device is configured to identify and re-confirm the sales information as abnormal,
If the sales information is determined to be abnormal, the device is configured to terminate the online payment service contract,
The device includes online market settlement information including the name of the product sold in the online market, product identification number, sale date, settlement deposit date, settlement deposit amount, and bank name, account number, deposit date, deposit amount, and account balance. Based on financial institution deposit information, it is configured to manage and check advance payment settlement information, including advance payment date, advance amount, accumulated advance amount, advance repayment date, repayment principal, payment use fee, remittance fee, and advance principal balance;
The device is configured to check whether online market settlement information and the financial institution deposit information match the advance settlement information,
If the online market settlement information and the financial institution deposit information match the advance payment settlement information, the device is configured to determine that the settlement has been successfully completed and terminate the contract.
delete delete delete delete delete delete According to paragraph 1,
calculating an evaluation score of the seller based on the seller's prepaid service usage history database; and
The method further includes updating the qualification conditions of the seller based on the calculated evaluation score of the seller.
According to clause 8,
The updating step is,
The method further includes increasing a numerical value related to the predefined condition by a preset value based on the calculated seller's evaluation score being less than a threshold.
In a device providing an online purchase funds advance payment service, the device includes:
at least one memory;
at least one communication module including circuitry; and
Contains at least one processor,
The at least one processor,
Receiving business information for applying for the advance payment service and information on products to be sold in an online market operated by the seller from a first terminal device used by the seller;
Based on the fact that a specific product of the seller is purchased by a buyer in the online market and a message requesting the advance payment service is received from the first terminal device, the specific product is sent to a specific wholesaler or manufacturer supplying the specific product. pay the purchase price in advance on behalf of the seller;
confirming whether sales information of the specific product received from a second terminal used by the specific wholesaler or the manufacturer matches sales information of the specific product in the online market; and
Based on the amount paid by the buyer, all costs including the prepaid principal and usage fee are repaid to the device within the amount settled in the online market to the seller, and based on the repayment result, the seller's prepayment service is set to build a usage history database,
The device is,
When receiving the above business information and the above product information,
Determine whether the qualification conditions of the seller meet predefined conditions based on the business information and product information of the online market,
Based on it being determined that the qualification conditions of the seller meet the predefined conditions, transmitting a message containing the conditions of use of the prepaid service to the first terminal device,
The business information includes the seller's personal information, online market information operated by the seller, and financial information related to the seller,
Product sales information in the online market includes i) the name of the seller selling in the online market, the seller's representative, product type, product name, product identification number, sales amount, settlement amount, and ii) the specific wholesaler. Includes product name, product identification number, sales price, and sales quantity supplied to the online market,
The financial information related to the seller includes at least one of the seller's main bank account information, settlement account information, credit evaluation information, national and local tax payment history, and medical insurance payment history, with the seller's consent,
The conditions for using the advance payment service include the above-mentioned usage fee, the total limit on the use of advance payment, and the limit on one application for advance payment,
The usage fee and advance payment usage total limit and the advance payment one-time application limit are determined by the business information and the product information,
When the device prepays the purchase price for the specific product,
Based on the receipt of the message requesting the advance payment service, it is determined whether the purchase price of the specific product exceeds the one-time advance payment application limit and the total accumulated advance payment usage due to the product price of the specific product exceeds the total advance payment usage limit. Determine whether it exceeds
Rejecting the application for the advance payment service based on the judgment that the purchase price of the specific product exceeds the one-time advance payment application limit or that the total accumulated prepayment usage due to the product price of the specific product exceeds the total advance payment usage limit transmitting a message to the first terminal device,
The seller's prepayment service usage history database includes the remaining contract period for prepayment service, total amount prepaid, settlement delinquency rate for prepaid amount, abnormal sales amount, abnormal sales occurrence rate, and arbitrary change in payment method,
The device is configured to evaluate the seller's risk based on the seller's business information and product information, and to set the advance payment usage total limit and the advance payment one-time application limit to a first value as the risk increases,
The device is configured to set the total advance payment usage limit and the one-time advance payment application limit to a second value higher than the first value as the seller's credit score or business scale increases,
The device is configured to check whether the prepaid product price is the price of a product supplied by a specific wholesaler to the seller and whether the specific product is a product purchased by a buyer in an online market,
If the sales information of a specific product received from a second terminal device used by a specific wholesaler does not match the sales information of a specific product in the online market, the device is configured to identify and re-confirm the sales information as abnormal,
If the sales information is determined to be abnormal, the device is configured to terminate the online payment service contract,
The device includes online market settlement information including the name of the product sold in the online market, product identification number, sale date, settlement deposit date, settlement deposit amount, and bank name, account number, deposit date, deposit amount, and account balance. Based on financial institution deposit information, it is configured to manage and check advance payment settlement information, including advance payment date, advance amount, accumulated advance amount, advance repayment date, repayment principal, payment use fee, remittance fee, and advance principal balance;
The device is configured to check whether online market settlement information and the financial institution deposit information match the advance settlement information,
If the online market settlement information and the financial institution deposit information match the advance payment settlement information, the device is configured to determine that the settlement has been successfully completed and terminate the contract.