KR20170128746A - Method for providing online seller of open market with financial service - Google Patents

Abstract

The present invention relates to a method of providing a financial service based on an account receivable in an open market and a server using the same. The method comprises: (a) a step where a server receives or assists in receiving sales history information of a specific online seller if a request for the financial service by the specific online seller is detected; (b) a step where the server refers to the sales history information and at least a portion of sales prediction information determined by referring to the sales history information to determine or assist in determining a loanable amount which can be provided for the specific online seller, and performs a process for requesting or assisting in requesting information for a loan execution amount of the specific online seller and information for a repayment rate or a process for determining or assisting in determining if determination of the loanable amount is detected; (c) a step where the server allows or assists in allowing a financial service provider corresponding to the server to receive an account receivable which is a bond for the open market of the online seller created or to be created by sales if the information for the loan execution amount of the specific online seller and the information for the repayment rate are acquired; and (d) a step where the server refers to information for the account receivable and the information for the repayment rate to distribute or assist in distributing an amount by sales created by the specific online seller during a prescribed period.

Description

METHOD FOR PROVIDING ONLINE SELLER OF OPEN MARKET WITH FINANCIAL SERVICE,

The present invention relates to a method of providing a financial service to an online merchant belonging to an open market and a server using the method. More particularly, the present invention relates to a method of providing a financial service to an online merchant, And (b) supporting sales history information of the seller by referring to at least a part of the sales forecast information determined with reference to the sales history information and the sales history information of the specific online seller, And to determine or determine a creditable amount that can be provided to the seller, and when it is detected that the creditable amount has been determined, request or request information about the credit execution amount of the specific online merchant and the repayment rate Process that supports the decision-making or decision-making process And (c) if the information on the credit execution amount of the specific on-line merchant and the information on the repayment rate are obtained, a sales receipt, which is a bond for the open market of the on- To the financial service provider corresponding to the server so that the financial service provider corresponding to the server receives or receives the information on the sales receipt and the information on the repayment rate; And a server using the method.

Recently, the total annual sales of online retailers (wholesalers) in the domestic e-commerce market are growing rapidly to tens of trillion. Among such e-commerce methods, the way to attract consumers' attention is through the open market. An open market is a system in which an open market provider who maintains an open market system joins a plurality of online store operators (hereinafter, "online sellers") as members of an open market, And sells a portion of the commodity price paid by the seller to the commission as revenue.

If an online seller sells an item through an open market, the online seller does not receive the payment immediately, so even if the sales volume of the item is increasing, the online seller can not purchase the item anymore due to funds. . In such a case, it is necessary for the online merchant to effectively, promptly, and safely fund the additional purchase of the goods.

Traditionally, in the open market, online sellers are generally the first way to raise money, as the online sellers provide collateral for the receivables held by the online sellers as collateral, or as credit based on the accounts receivable that online sellers have for open markets There was a way to make a credit based on the rating. In this type of lending, the creditworthiness of the online merchant and the credit limit are taken into account when providing funds. Since most online merchants are small, they have a low credit rating, which causes the credit limit to be low. Moreover, There is no physical entity (for example, a bond certificate) that applies to the liability of the debt, but there is no physical entity (such as a bond certificate) that represents the bond. Due to the uncertainty of the receivables due to the reversal of the purchase decision, There was a problem of being caught. This risk does not guarantee the face value of the bond, so even if you want to discount the bond discount rate is high. Therefore, a solution is needed to hedge these risks.

The second way in which online sellers raise funds is so-called factoring (buying bonds), which solves the problems of the above-mentioned lending method and purchases the settlement bond itself. This factoring means that when an online seller receives a settlement bond for an open market provider, the financial institution purchases the bond the online seller has with respect to the open market provider and immediately prepays the online seller for a substantial amount in the amount of the bond, It is a funding method in which, when a financial institution receives all of the settlement proceeds from an open market provider, it uses a portion of the settlement proceeds to repay the amount of the bond and, if there is any remaining balance, returns the rest to the online seller.

For example, U.S. Patent No. 7,617,146 discloses a computerized factoring transaction method and system for facilitating a quoted contracting transaction between a financial operator (funding source) and a factoring service user (i.e., an on-line merchant in the present invention) have. In this precedent document, the system receives an instruction to obtain advance payment based on the sales (slip) of the online merchant from the online merchant and provides the financial provider with the right to access data corresponding to the sales of the online merchant, And the method of providing the financial provider with access to data indicating that the money has been prepaid for the selected revenues (slips) is described. Accordingly, this precedent document does not include a structure in which the financial institution automatically selects the sales to be prepaid or automatically prepares the funds, and a considerable part of "selection" and "renewal" operator, it is difficult to quickly provide services on a large scale without complicated and troublesome procedures.

In addition, in providing such a conventional factoring service providing technology, it is necessary not only to judge individual creditworthiness but also to provide a kind of insurance against the risk, and if such insurance is insufficient, it will eventually result in high interest rate or high discount rate have.

Accordingly, the inventor of the present invention provides a systemized financial service to online sellers on the basis of merchandise receipts, and acquires information on online sellers on a large scale, creates and updates statistics on the basis of the obtained information, We propose a financial service technology that can mitigate various risks and satisfy both financial service providers, online sellers and open market operators.

The present invention has been made to solve the above-mentioned problems.

Specifically, the present invention automates the credit and risk evaluation of users of financial services, which have been complicated and cumbersome in the past, by virtually eliminating complicated procedures of various proofs, It aims to simplify the provision of one financial service.

In addition, the present invention makes it possible to acquire the sales history information, which is the basic data for evaluating the risk of the financial service according to the present invention, by the provider of the financial service, The other purpose is to allow flexible changes.

Further, by making it possible to create and update statistical data based on the acquired sales history information, it is possible to collectively analyze large-scale data, thereby making it possible to more precisely and specifically estimate the credit risk and the risk in the foreground relationship Another purpose is to hedge risk statistically significantly.

In order to accomplish the objects of the present invention as described above and achieve the characteristic effects of the present invention described below, the characteristic structure of the present invention is as follows.

According to one aspect of the present invention there is provided a method of providing financial services to an online merchant in an open market, the method comprising the steps of: (a) when a request for the financial service by a particular on- , Receiving or receiving sales history information of the specific online merchant; (b) the server determines, based on at least a part of sales forecast information determined by reference to the sales history information and the sales history information of the specific online seller, a creditable amount Or determining whether the creditable amount has been determined, supporting the process of determining whether to request or requesting information on the credit execution amount of the specific online merchant and the repayment rate, Performing a process; (c) When the information on the credit execution amount of the specific on-line merchant and the information on the repayment rate are obtained, the server generates a sales receipt, which is a bond for the open market of the online merchant, Supporting a financial service provider corresponding to the server to be transferred or transferred; And (d) the server includes a step of distributing or distributing an amount of sales generated by the specific online merchant for a predetermined period of time, with reference to the information on the receivables and the information on the repayment rate do.

According to another aspect of the present invention, there is provided a server for providing financial services to an online merchant belonging to an open market, the server being configured to, when a request for the financial service by a specific online merchant is detected, A communication unit for receiving or receiving sales history information; (i) determining a creditable amount that can be provided to the specific on-line dealer, with reference to at least a part of sales forecast information determined with reference to the sales history information and the sales history information of the specific online dealer And if it is detected that the creditable amount has been determined, a process of supporting or requesting information on the credit execution amount of the specific online merchant and information on the repayment rate, and (ii) when the information on the credit execution amount of the specific on-line merchant and the information on the redemption rate are acquired, a sales receipt, which is a bond for the open market of the online seller generated or generated by the sales, The corresponding financial service provider may transfer or transfer (Iii) a processor for distributing or distributing the amount of sales generated by the particular online merchant for a predetermined period of time, with reference to the information on the receivables and the information on the repayment rate .

The present invention can provide automated financial services by collectively implementing credit rating and risk evaluation on a large number of online merchants, but also simplify the method by omitting the conventional troublesome procedures in the financial service It is effective.

The present invention enables large-scale data analysis to be performed on online sellers whose financial risks are excessively small due to small or incomes of income, thereby hedging such risks through the averaging effect on the online seller group classified into various items , It is possible to reduce the cost of using financial services.

In addition, the present invention has a burden of reimbursement based on a substantially constant repayment rate, thereby reducing the repayment burden of an unstable online seller.

According to the present invention, an amount of money that can be provided to financial services can be relatively increased or expenses required for financial services can be reduced through appropriate hedging of risk of providing financial services to an unstable online seller, There is a synergistic effect that allows the operators of the market to continue to operate their businesses while still financing more easily, and financial service providers and online sellers who use those financial services can also be satisfied.

BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this application, illustrate embodiments of the invention and, Other drawings can be obtained.
1 is a conceptual diagram schematically illustrating an exemplary configuration for applying a financial service providing method according to an embodiment of the present invention.
2 is a block diagram illustrating a server that performs a method of providing a financial service according to an embodiment of the present invention.
3 is a flowchart illustrating an exemplary method of providing a financial service according to an exemplary embodiment of the present invention.
4 is a flow chart illustrating certain steps of a method for providing a financial service according to an embodiment of the present invention.
FIG. 5 is a conceptual diagram illustrating, by way of example, factors referred to in determining a creditable amount in a financial service according to the present invention.

The following detailed description of the invention refers to the accompanying drawings, which illustrate, by way of example, specific embodiments in which the invention may be practiced in order to clarify the objects, technical solutions and advantages of the invention. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention.

Also, throughout the description and claims of this invention, the word 'comprise' and variations thereof are not intended to exclude other technical features, additions, elements or steps. Other objects, advantages and features of the present invention will become apparent to those skilled in the art from this description, and in part from the practice of the invention. The following examples and figures are provided by way of illustration and are not intended to limit the invention.

Moreover, the present invention encompasses all possible combinations of embodiments shown herein. It should be understood that the various embodiments of the present invention are different, but need not be mutually exclusive. For example, certain features, structures, and characteristics described herein may be implemented in other embodiments without departing from the spirit and scope of the invention in connection with an embodiment. It is also to be understood that the position or arrangement of the individual components within each disclosed embodiment may be varied without departing from the spirit and scope of the invention. The following detailed description is, therefore, not to be taken in a limiting sense, and the scope of the present invention is to be limited only by the appended claims, along with the full scope of equivalents to which such claims are entitled, if properly explained. In the drawings, like reference numerals refer to the same or similar functions throughout the several views. Unless otherwise indicated herein or clearly contradicted by context, items referred to in the singular are intended to encompass a plurality unless otherwise specified in the context.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, so that those skilled in the art can easily carry out the present invention.

FIG. 1 is an exemplary configuration for applying a financial service providing method according to an embodiment of the present invention. The financial service provider server 100, which is a server corresponding to a financial service provider using the financial service providing method of the present invention, An open market terminal 200, which is a terminal device used by an operator of an open market, and an online seller terminal 300, which is a terminal device used by an online seller.

Referring to FIG. 1, a server 100 of a financial service provider using a financial service providing method of the present invention is connected to a server 100 through a wired connection or a wireless connection (hereinafter, referred to as "wired / wireless connection") of a communication unit 110 And can be linked to the open market terminal 200. Also, the financial service provider server 100 can interwork with the online seller terminal 300 through wired / wireless connection of the communication unit 110. [ There may be many online sellers using the open market terminal 200, but for the sake of simplicity of explanation, a specific online seller will be described here. A consumer (not shown) can usually access an open market terminal 200 and deal with an online seller through an open market service provided by an open market terminal.

The server 100 may be implemented with a financial transaction system and / or other existing financial industry systems that are now known or will be developed in the future. Financial transaction systems and other existing financial industry systems typically include computer hardware (e.g., a client computer and a server computer, which may include components of a computer processor, memory, storage, input devices and output devices, or other conventional computer systems; Electronic communication devices such as electronic communication lines, routers, switches, etc., electronic information storage systems such as network attached storage (NAS) and storage area network (SAN)) and computer software (i.e., Instructions < / RTI > to achieve desired system performance. An exemplary configuration of the financial service provider server 100 used in accordance with the present invention includes a communication unit and a processor, which will be described in detail later.

Here, the online merchant terminal 300 may be a wireless network client, a desktop computer, a laptop, a mobile device, a mobile phone, a PDA, or other terminal device paid or free of charge by an open market operator or financial service provider, It will be understood by those of ordinary skill in the art of the present invention.

FIG. 2 is a block diagram illustrating a financial service provider server 100 that performs a financial service providing method according to an embodiment of the present invention.

Referring to FIG. 2, the financial service provider server 100 may include a communication unit 110 and a processor 120.

Specifically, the communication unit 110 can detect an online seller's request for a financial service from the online seller terminal 300 or the open market terminal 200.

In addition, the processor 120 may support the following method of providing financial services according to the present invention, in response to a request from the communication unit 110. Hereinafter, a method of providing financial services according to the present invention will be described.

3 is a flowchart illustrating an exemplary method of providing a financial service according to an exemplary embodiment of the present invention.

Referring to FIG. 3, a method of providing a financial service according to the present invention includes the steps of: when a request for a financial service by a specific on-line merchant is detected, the server 100 supports to receive or receive sales history information of a specific on- Step S100. For example, the sales history information may be received from the open market server 200 at this stage.

The sales history information is basic data used to determine a creditable amount that can be provided to a specific online seller, a fee for a financial service, etc. The sales history information includes information for identifying an open market used by a specific online seller Open market identification information; Business type, business type, item, monthly sales information, business training information, daily sales information, remaining sales receipt information of a specific online seller; Time to ship after customer's order for a specific online seller; The amount of time and the amount of response from the customer's inquiry to the specific online seller; Information about the marketing services purchased by a particular online merchant to an operator of an open market; And purchase information regarding the details of a specific online merchant purchasing the item from other online sellers through the open market may be included as quantitative information. However, the present invention is not limited thereto. For example, the sales history information may include information such as purchase history and evaluation information for a specific online merchant; Whether certain online sellers have a history of cheating in online sales through open markets; And at least one of the indications of fraud detected through a pattern in which a particular online merchant utilizes the open market as qualitative information. In addition, the sales history information may include unsettled revenue, which is the amount of credits that have not been settled in accounts receivable that have already occurred.

As described above, the server 100 acquires the past sales history information for each online merchant held in data form by the open market, so that the conventional financial service provider can not be held in determining the creditable amount and the fee You can use the information you have.

Next, referring to FIG. 3, step S200 of the financial service providing method according to the present invention is shown. In step S200, the server 100 transmits sales history information and sales history information of a specific online merchant (S210, to be described later with reference to FIG. 4) for determining or determining a creditable amount that can be provided to a specific on-line merchant, with reference to at least a part of the sales forecast information determined by reference, If it is detected that the amount has been determined, the server 100 performs a process of assisting the user to request or request information on the credit execution amount of the specific online merchant and the repayment rate, or performing a process of supporting the determination or determination S220, described below with reference to FIG. 4).

Sales forecast information refers to information on sales that is expected to occur in the future, which may include, but is not limited to, future sales revenue, which is expected to occur in the future. For example, the sales forecast information may include information as to at what time in the future the amount of the bond to an item will occur at a certain rate of purchase determination.

The creditable amount refers to an amount that can be provided to a specific online merchant early on by the financial service according to the present invention. This amount represents the amount of future sales May be determined with reference to at least some of them.

FIG. 5 is a graphical representation of the extent to which future sales and future sales contribute to the determination of creditable amount for the purpose of explanation. In this figure, the longest period until the settlement is completed after sales occurs is d1, which is reflected in the determination of creditable amount among the receivables that are expected to occur in the future The time to the farthest future point in time at which it will occur is shown as d2. d1 and d2 may be the same or different. Usually, the maximum value of d1 may be a value determined by a contract between an individual online seller and an open market operator, which may be a predetermined fixed value or may be a value that is repeatedly obtained from the online seller terminal 300 or the open market terminal 200 Or may be a variable value. The maximum value of d2 may be a value determined by a contract between an individual online seller and a financial service provider, which may be a predetermined fixed value, repeatedly obtained by the online seller terminal 300, or repeatedly determined by the server 100 Or may be a variable value. In this case, it is assumed that sales that are older than d1 will not be reflected because they have already been settled, and future sales beyond d2 will not be reflected because of the risk due to uncertainty of occurrence. In addition, for convenience of explanation, the amount due to sales occurring over time is constant, and the amount of unsettled sales is reduced at a constant rate as the past increases, and the contribution of creditable amount in the future Respectively.

The amount of unrecognized sales is due to the bonds that are currently established (at the time of determining the creditable amount), whereas the future sales are due to the bonds expected to be generated in the future . For example, unrecognized revenue is recognized as a percentage of revenue that is expected to be incurred in each future period, while the entire amount can be reflected in the determination of available-for- May be set differently for each individual period.

More specifically, in one embodiment of the present invention, which determines the creditable amount with reference to at least a part of the unrecorded sales amount and the future sales amount, the unsettled amount as a ratio reflecting the non- We can additionally consider the weight of future revenue generated as a proportion of the revenue share weight and the future revenue that is reflected in determining the amount of credit available (ie, contribution to the creditable amount in future revenue). The weights can be set to vary depending on whether the sales are unrecorded sales or future sales. If the sales are unpaid sales, the consumer reverses the purchase decision before the purchase decision, A weight may be set, and if it is future sales, a weight may be set so as to be changed according to the timing of sales. For future sales, it may be set higher than the sales that are expected to be relatively far away from the sales that are expected to be relatively close to the present. FIG. 5 shows an example in which the future sales minute weight decreases in proportion to the time away from the current time.

Also, the credit execution amount refers to the amount of money that a specific online merchant receives from a financial service provider, and the repayment rate refers to the rate at which a particular online merchant repays to a financial service provider among settlement amounts for individual accounts receivable.

In some cases, in step S210, the server may assist in determining or determining a chargeable amount of money, together with a creditable amount, in supporting the determination or determination of a creditable amount. Such fees may be, but are not limited to, sums that are not related to the entire term for which a particular online merchant uses financial services. The server may have a commission rate table, which is a table in which the commission rate for commission determination is defined to correspond to at least one commission determination factor, and the server may assist in determining or determining the commission of the financial service with reference to the commission rate table .

The commission determining factor may include at least one of an open market which is a debtor of a trade receivable, an online retailer's sales, sales by industry type and period, and an item corresponding to a trade receivable.

4 is a flow chart illustrating the steps S210, S220, and S300 of the method of providing financial services according to an embodiment of the present invention.

Referring to FIG. 4, in step S210, the server 100 supports creating or updating statistical data of a plurality of online sellers using sales history information of a specific online seller (S211). And a step S212 of allowing the server to determine or determine a creditable amount that can be provided to a specific on-line merchant using the statistical data. The fee may be determined together with the creditable amount in step S212 as described above. It is advantageous that the statistical data in these steps S211 and S212 can be created or updated for each individual online merchant as well as written or updated for a wider range of online merchants, , The risk associated with the provision of financial services can be statistically significantly hedged. The creation or updating of the statistical data can be done in real time or all at once once every predetermined period.

The sales history information used for creating and updating the statistical data is divided into quantitative information and qualitative information as described above. Qualitative information can also be calculated as quantitative information by a separate manual / automatic evaluation. For example, the server 100 acquires post-purchase and evaluation information on the specific on-line merchant, and uses it as quantitative information when it is a numerical information. If the information is qualitative information, for example, It is possible to judge and quantify whether a consumer responds positively or negatively to online sellers through natural language processing (NLP) including theoretical analysis. Also, an indicator indicating the sales attitude of the seller, for example, the time required for the customer to deliver after ordering to a specific online seller; The server 100 can analyze the relationship between the sales attitude and the sales performance by quantitatively quantizing the time required to answer an inquiry to a specific online seller and an answer quantity.

The sales performance of online sellers is influenced by the ranking and arrangement of search results, sales item discounts and benefits coupons, and other related promotions, and the information of marketing service products purchased by an online seller The server can estimate the future sales trend of online sellers based on a reasonable estimation model. In addition, since the purchase information about the details of a specific online seller purchasing the item from other online sellers through the open market can be obtained, the server 100 can anticipate the sales trend of the online seller in the future .

It is also possible that the server 100 notifies the sales history information whether or not specific online sellers have a history of cheating in online sales through the open market and signs of cheating detected through patterns in which specific online sellers use the open market It is possible to limit the possible credit amount to a certain amount or to use it as the basis data to determine it as zero. Here, cheating refers to the act of taking unfounded benefits from open market operators or consumers by pretending to be as if there is no intention to provide the purchased goods, and to inflating sales performance by making false purchases through the same IP address , And the act of registering shipping-related information with false information. Such indications of cheating may be provided to the server 100 from the open market terminal 200 or obtained from the information provided to the server 100 from the open market terminal 200.

3, the method for providing a financial service according to the present invention is characterized in that, when information on the credit execution amount of the specific on-line merchant and information on the repayment rate are obtained, And a step S300 of supporting the financial service provider corresponding to the server to receive the transfer receipt or transfer of the receipt for the open market by the online merchant.

The credit execution amount is obtained from the specific online seller terminal 300 within the range of the creditable amount, but is not limited thereto. For example, it may be assumed that the terminal 100 is acquired from the open market terminal 200 or that the server 100 itself determines it.

Also, the redemption rate is typically obtained from the particular online seller terminal 300 in a range from greater than 0% to less than 100%, but is not limited thereto. For example, if the redemption rate is obtained from the open market terminal 200 or is determined by the server 100 itself, or the redemption rate selected from the open market terminal 200 or the server 100, ). ≪ / RTI >

Referring again to FIG. 4, in the step S300 of the embodiment of the present invention, the step of supporting transfer of the receivable to the client or receiving the receipt may be performed by the server 100 (S300a) of setting up or setting an amount of unredeemed credits, which is a total amount that a specific online seller should repay to a financial service provider, with reference to the credit execution amount, and a server And a process (S300b) for performing processing or performing processing so as to change creditor information on a settlement amount, which is an amount settled by an operator of an open market, from a specific online seller to a financial service provider.

The process of paying the credit execution amount in the process (S300a) may be performed using, for example, a first bank system that takes charge of the financial service provider's account and a second bank system that takes charge of the account of the specific online merchant. Procedures for conducting and verifying transactions of systems corresponding to a conventional flow of funds are unnecessary details in understanding the present invention and will not be described in further detail, as is known to those of ordinary skill in the art As can be easily understood.

In the process (S300a), the amount of uncollected receivables is set as the sum of the amount of execution of the loan and the fee in support of setting or setting the amount of uncollected receivables with reference to the amount of the above loan. However, The method of setting the amount of the non-recoverable credits by reference is not limited thereto. For example, if a particular online merchant has outstanding unpaid reimbursements in the past that have been serviced to a financial service provider, past financial services may be treated as erased and the unrecovered portion of the unrecovered credits may be included.

Next, in the process (S300b), the process of changing the creditor information to the financial service provider is to allow the open market terminal to pay the next settlement amount to the financial service provider side. In this case, the open market terminal provides the settlement amount The server 100 transmits the information of the financial service provider as new creditor information (the amount of money to be paid to the financial service provider by the payment server 100) The information of the deposit account to be used, the business registration number for identifying the financial service provider's identity, etc.) to the open market terminal. On the contrary, when the open market terminal processes the settlement amount payment, when the creditor information held by the server 100 is acquired from the server 100 at each processing, the server 100 updates the new creditor information It would be nice to just do it.

Among the new creditor information, the bank account information of the financial service provider may be the same or different for each online merchant. An advantage of easily identifying online merchants corresponding to individual accounts receivable, an advantage of being able to provide convenience to other tasks such as payment processing, accounting, tax and so on. Therefore, the deposit account is a virtual account . ≪ / RTI > In this embodiment, step S300 may further carry out a process (S300c, see FIG. 4) to assist the server to create or reuse a virtual account for each online merchant. In this case, settlement for each receivable that is transferred will be done through virtual account for each online merchant.

4, in step S300, the server provides a service provision agreement, which is information proving that the credit execution amount has been paid, to at least one of the online seller terminal 300 and the open market terminal 200 And may further include a process (S300d). The service delivery agreement may be in a format that has been agreed in advance between at least two of the online merchant, open market operator, and financial service provider, or may be in a format that has been legally validated by a certification authority, including a national agency. For example, such a provision of service may be delivered using a predetermined encryption and decryption algorithm.

Referring again to FIG. 3, the method for providing a financial service according to the present invention is a method for providing a financial service according to the present invention, wherein the server 100 refers to information on a trade receivable and information on a repayment rate, And a step (S400) of distributing or distributing the amount due to the sales generated by the online merchant.

Specifically, when it is detected that the settlement amount is paid to the financial service provider, the server 100 transmits the reimbursement amount to be used for repayment of the non-recoverable amount of receivables to the information on the accounts receivable corresponding to the settlement amount, (S410), determining the amount of the reimbursement amount as a remainder that is the amount to be paid to the specific on-line merchant (S410); And a step in which the server sets the remaining amount obtained by subtracting the above repayment amount from the unredeemed amount of the receivable as the new unrecovered amount of the receivable and performing the process of paying the remaining amount to the on-line merchant (S420, not shown) .

If the settlement amount is paid to the financial service provider in step S410, the payment information X of the settlement amount transmitted by the open market terminal and / or the deposit information Y of the settlement amount transmitted by the bank system used for financial service provision Lt; / RTI > If X and Y are different when the deposit information is detected by both X and Y, the deposit information for the trade receivable can be set to Y.

In step S410, the redemption amount may be an amount obtained by multiplying the redemption amount at the settling time by the redemption rate, but is not limited thereto. For example, the amount may be the sum of the amount of the settlement multiplied by the repayment rate plus the amount of the predetermined amount, and the predetermined amount may be a fixed amount or a variable amount depending on the position to which the settling time falls during the scheduled repayment period. Alternatively, the redemption amount may be defined as an amount of the redemption amount multiplied by the variable redemption rate which is a result of adding a predetermined ratio that is variable to the predetermined redemption rate. These are merely illustrative, and the specific redemption amount can be determined based on various formulas.

In one embodiment of the present invention, in operation S400, when it is detected that the predetermined number of times satisfaction condition is satisfied, the server 100 transmits the creditor information on the settlement amount, which is the amount to be settled to each of the bonds, (Step S430, not shown) to change or change the content to a specific online merchant. For example, the predetermined recovery completion condition is typically, but not exclusively, a condition that the unrecovered recovery amount reaches zero.

In another embodiment of the present invention, in step S400, if a mid-term redemption of an unredeemed amount of receivable is detected separately from a trade receivable, the server subtracts the redeemed amount from the unredeemed amount of the receivable, (Step S440, not shown) for setting or setting the amount of recoverable credits. Such redemption will be made primarily by online merchants, but the subject of the redemption is not limited to this. In addition, the detection of the moderate redemption will mainly be based on the deposit information obtained from the banking system used for the financial service provision, but the deposit information obtained from the terminal apparatus used by the subject of the redemption, together with the credible authentication information generated by the banking system Information can also be given.

Referring again to FIG. 3, in the method of providing a financial service according to the present invention, when it is detected that a predetermined unprocessed processing condition is satisfied, the server determines that the uncollected receivable is an unused amount and maintains or maintains the information of the unused amount (S500) a step of performing at least one of a supporting process and a process of supporting withdrawal or withdrawal of an unearned claim determined with reference to the information of the amount of the remaining balance.

For example, the predetermined non-recoverable processing condition may be a condition in which the non-recoverable amount of money, which is the remaining amount to be repaid to the financial service provider, In step S500, the server may maintain information such as the on-line seller who is the debtor of the receivable, which is the information about the receivable, the information on the amount of the receivable, and the like, According to the protocol, it can be forwarded to another server.

Through all of the embodiments described above, it is possible to omit the troublesome procedure in the related financial service while providing automated financial service by collectively executing credit rating and risk evaluation on a large number of online sellers, There is an effect that the method can be simplified.

The advantage of the techniques described herein is that they enable large-scale data analysis to be carried out on an on-line merchant who is small or whose income is uneven over time and whose financial risk has been overestimated, It is possible to hedge such risks through the averaging effect on the seller group and reduce the cost of using financial services. In addition, risk hedging can increase the amount of money provided to financial services or reduce the cost required for financial services.

Based on the description of the above embodiments, one of ordinary skill in the art can clearly understand that the present invention can be achieved through a combination of software and hardware, or can be accomplished by hardware alone. Objects of the technical solution of the present invention or portions contributing to the prior art can be implemented in the form of program instructions that can be executed through various computer components and recorded on a computer-readable recording medium. The computer-readable recording medium may include program commands, data files, data structures, and the like, alone or in combination. The program instructions recorded on the computer-readable recording medium may be those specially designed and configured for the present invention or may be known and available to those skilled in the art of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules for performing the processing according to the present invention, and vice versa. The hardware device may include a processor, such as a CPU or a GPU, coupled to a memory, such as ROM / RAM, for storing program instructions, and configured to execute instructions stored in the memory, And a communication unit. In addition, the hardware device may include a keyboard, a mouse, and other external input devices for receiving commands generated by the developers.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, Those skilled in the art will appreciate that various modifications, additions and substitutions are possible, without departing from the scope and spirit of the invention as disclosed in the accompanying claims.

Therefore, the spirit of the present invention should not be construed as being limited to the above-described embodiments, and all of the equivalents or equivalents of the claims, as well as the following claims, I will say.

100: Financial service provider's server
200: Open Market Terminal
300: Online Merchant Terminal

Claims (40)

In a method of providing financial services to an online merchant in an open market,
(a) when a request for the financial service is detected by a specific on-line merchant, supporting the server to receive or receive sales history information of the specific on-line merchant;
(b) the server determines, based on at least a part of sales forecast information determined by reference to the sales history information and the sales history information of the specific online seller, a creditable amount Or determining whether the creditable amount has been determined, supporting the process of determining whether to request or requesting information on the credit execution amount of the specific online merchant and the repayment rate, Performing a process;
(c) When the information on the credit execution amount of the specific on-line merchant and the information on the repayment rate are obtained, the server generates a sales receipt, which is a bond for the open market of the online merchant, Supporting a financial service provider corresponding to the server to be transferred or transferred; And
(d) supporting the distribution or distribution of the amount of sales generated by the specific online seller for a predetermined period of time, with reference to the information on the receivables and the information on the repayment rate,
≪ / RTI > The method according to claim 1,
The step (c)
The server supports the specific online merchant to perform or perform the process of paying the credit execution amount, and refers to the credit execution amount as the total amount of money to be redeemed to the financial service provider by the specific online merchant The process of setting or setting the amount of unredeemed credits, and
A process for supporting or performing processing to change the creditor information on the settlement amount, which is the amount to be settled by the operator of the open market, to each of the trade receivables from the specific online seller to the financial service provider
≪ / RTI > The method according to claim 1,
In the step (b)
The creditable amount is determined by reference to at least a part of future sales incurred corresponding to the amount of unexpired sales in the sales history information and the sales forecast information in the salesperson information ≪ / RTI > The method of claim 3,
In the step (b)
Wherein the determining unit determines the creditable amount with reference to at least a part of the sales generated by the generation of unexecuted sales and the revenue generated in the future by adding a weight determined by referring to at least a part of the sales history information and the sales forecast information To determine or determine the creditable amount. ≪ Desc / Clms Page number 13 > The method according to claim 1,
The step (d)
(d1) If it is detected that the settled amount, which is the amount to be settled by the operator of the open market, is paid to each of the transferred accounts receivable, the server transmits the settlement amount to the financial service provider Determining a redemption amount to be used for redemption with respect to the amount of redemption receivable which is the remaining amount of redemption to be made, with reference to the information on the trade receivable and the information on the redemption amount, and subtracting the redemption amount from the redemption amount, As a remaining amount that is an amount to be paid to the user; And
(d2) a step in which the server sets a remaining amount obtained by subtracting the redemption amount from the non-redemption amount as a new unredeemed amount, and performing a process of paying the remaining amount to the online merchant
≪ / RTI > 6. The method of claim 5,
The step (d1)
Wherein the settlement amount is paid to the financial service provider, the payment information of the settlement amount transmitted by the open market terminal which is a terminal device of the operator of the open market, and the payment information of the settlement amount transmitted by the bank system used for providing the financial service And the payment information of the settled amount. The method according to claim 6,
When the payment amount paid to the financial service provider is sensed by both the deposit information X transmitted by the open market terminal and the deposit information Y transmitted by the bank system, the deposit information X and the deposit information Y The settled trade receivable is defined as Y. < Desc / Clms Page number 13 > 6. The method of claim 5,
The step (d)
(d3) if it is detected that the predetermined number of times fulfillment condition is satisfied, the server changes or changes the creditor information on the settlement amount, which is the amount to be settled for each of the accounts receivable, from the financial service provider to the specific online seller Steps to Apply
≪ / RTI > 9. The method of claim 8,
Wherein the predetermined recovery completion condition is a condition in which the non-recoverable amount of the loan reaches zero. 6. The method of claim 5,
The step (d)
(d4) When the medium-term redemption of the non-recoverable amount of the receivable is detected separately from the trade receivable, the server may set or set the remaining amount of the redemption amount by subtracting the redemption amount from the non-recoverable amount Step
≪ / RTI > The method according to claim 1,
The sales history information,
Open market identification information which is information for identifying the open market used by the specific on-line merchant;
Business type, business type, item, monthly sales information, business training information, daily sales information, remaining sales receipt information of the specific online seller;
A time required for the customer to deliver after ordering to the specific online seller;
The amount of time required for an inquiry after the customer's inquiry to the specific online seller and the amount of response;
Information of a marketing service product purchased by the specific online seller to an operator of the open market; And
The specific online merchant purchasing information related to the details of purchase of the item from other online sellers through the open market
≪ / RTI > The method according to claim 1,
The sales history information,
Purchase history and evaluation information for the specific online merchant;
Whether the specific online seller has a history of cheating in online sales through the open market; And
If the particular online merchant is notified of the fraud detected through the pattern of using the open market
≪ / RTI > The method according to claim 1,
The step (b)
(b1) supporting the server to create or update statistical data of a plurality of online sellers using the sales history information of the specific online seller; And
(b2) supporting the server to determine or determine a creditable amount that can be provided to the specific on-line merchant using the statistical data
≪ / RTI > The method according to claim 1,
The step (b)
The server determines the commission of the financial service together with the creditable amount that can be provided to the specific online merchant by referring to at least a part of the sales history information and the sales forecast information of the specific online seller, ≪ / RTI > 15. The method of claim 14,
Wherein the server is provided with a commission rate table which is a table in which the commission rate for determining the commission of the financial service is defined to correspond to at least one commission determination element, Or < / RTI > 16. The method of claim 15,
Wherein the commission determining element includes at least one of open market, business, industry, item, and sales by period. The method according to claim 1,
The step (c)
A process of providing a service provision agreement, which is information proving that the credit execution amount has been paid, to an online seller terminal which is a terminal device of the specific online seller or an open market terminal which is a terminal device of an operator of the open market Lt; / RTI > The method according to claim 1,
The step (c)
The server may newly create or reuse a virtual account for each online merchant to be used as a deposit path to be paid to the financial service provider for the amount to be settled by the operator of the open market for each of the transferred accounts receivable Process,
The step (d)
And settlement for each of the receivables transferred is made through the virtual account. The method according to claim 1,
(e) if it is detected that the predetermined unprocessed processing condition is satisfied, the server determines the unredeemed amount of receivables as the amount of the unused receivable, and supports the process of maintaining or maintaining the information of the unused amount, and information And a process of supporting collection or withdrawal of the receivables determined as < RTI ID = 0.0 >
≪ / RTI > 20. The method of claim 19,
Wherein the predetermined non-recoverable processing condition is a condition in which the predetermined period of time elapses without reaching zero, which is the remaining amount to be repaid to the financial service provider. A server for providing financial services to an online merchant belonging to an open market,
A communication unit for receiving or receiving the sales history information of the specific online merchant when a request for the financial service is detected by the specific online merchant;
(i) determining a creditable amount that can be provided to the specific on-line dealer, with reference to at least a part of sales forecast information determined with reference to the sales history information and the sales history information of the specific online dealer And if it is detected that the creditable amount has been determined, a process of supporting or requesting information on the credit execution amount of the specific online merchant and information on the repayment rate, and (ii) when the information on the credit execution amount of the specific on-line merchant and the information on the redemption rate are acquired, a sales receipt, which is a bond for the open market of the online seller generated or generated by the sales, The corresponding financial service provider may transfer or transfer (Iii) a processor that supports distributing or distributing the amount of sales generated by the particular online merchant for a predetermined period of time, with reference to the information on the receivables and the information on the repayment rate,
/ RTI > 22. The method of claim 21,
The processor comprising:
The method according to any one of claims 1 to 5, further comprising the step of: performing a process of paying the credit execution amount to the specific online merchant, A process that supports setting or setting, and
Performing a process of supporting or performing processing to change creditor information on a settlement amount, which is an amount settled by an operator of the open market, from the specific online seller to the financial service provider for each of the accounts receivable,
And the financial support provider supports the receipt of the merchandise receipt by the financial service provider. 22. The method of claim 21,
The creditable amount is determined by reference to at least a part of future sales incurred corresponding to the amount of unexpired sales in the sales history information and the sales forecast information in the salesperson information Lt; / RTI > 24. The method of claim 23,
The processor comprising:
Wherein the determining unit determines the creditable amount with reference to at least a part of the sales generated by the generation of unexecuted sales and the revenue generated in the future by adding a weight determined by referring to at least a part of the sales history information and the sales forecast information To determine or determine the creditable amount. 22. The method of claim 21,
The processor comprising:
If it is detected that the settlement amount, which is the amount to be settled by the operator of the open market, is paid to the financial service provider for each of the transferred accounts receivable, the remaining amount, which is the remaining amount to be redeemed to the financial service provider by the particular on- The amount of redemption to be used for the redemption of the amount of the bond is determined by referring to the information on the trade receivable and the information on the redemption rate,
Determining a remaining amount as an amount to be paid to the specific on-line dealer, subtracting the redemption amount from the settlement amount, and setting a remaining amount obtained by subtracting the redemption amount from the non-redemption amount as a new unredeemed amount, By performing the process of paying to the online merchant,
And distributes or distributes the amount of sales generated by the specific online merchant for the predetermined period. 26. The method of claim 25,
Wherein the settlement amount is paid to the financial service provider, the payment information of the settlement amount transmitted by the open market terminal which is a terminal device of the operator of the open market, and the payment information of the settlement amount transmitted by the bank system used for providing the financial service And the payment information of the settlement amount. 27. The method of claim 26,
When the payment amount paid to the financial service provider is sensed by both the deposit information X transmitted by the open market terminal and the deposit information Y transmitted by the bank system, the deposit information X and the deposit information Y And the settlement accounts receivable are determined to be Y, if they are different. 26. The method of claim 25,
The processor comprising:
Further performing a process of supporting to change or change the creditor information on the settlement amount, which is the amount to be settled for each of the accounts receivable, from the financial service provider to the specific online merchant when the satisfaction of the predetermined number of times of satisfaction is detected ,
And distributes or distributes the amount of sales generated by the specific online merchant for the predetermined period. 29. The method of claim 28,
Wherein the predetermined number-of-times-satisfaction condition is a condition that the amount of the non-recoverable amount of receivables reaches zero. 26. The method of claim 25,
The processor comprising:
The method further comprises a process of supporting setting or setting a remaining amount of the uncollected receivables minus the amount of the uncollected receivables as a new uncollectible receivable amount when a modest redemption of the uncollected receivables is detected separately from the trade receivables,
And distributes or distributes the amount of sales generated by the specific online merchant for the predetermined period. 22. The method of claim 21,
The sales history information,
Open market identification information which is information for identifying the open market used by the specific on-line merchant;
Business type, business type, item, monthly sales information, business training information, daily sales information, remaining sales receipt information of the specific online seller;
A time required for the customer to deliver after ordering to the specific online seller;
The amount of time required for an inquiry after the customer's inquiry to the specific online seller and the amount of response;
Information of a marketing service product purchased by the specific online seller to an operator of the open market; And
The specific online merchant purchasing information related to the details of purchase of the item from other online sellers through the open market
≪ / RTI > 22. The method of claim 21,
The sales history information,
Purchase history and evaluation information for the specific online merchant;
Whether the specific online seller has a history of cheating in online sales through the open market; And
If the particular online merchant is notified of the fraud detected through the pattern of using the open market
≪ / RTI > 22. The method of claim 21,
The processor comprising:
To support the creation or update of statistical data of a plurality of online merchants using the sales history information of the specific online merchant, and to determine or determine a creditable amount that can be provided to the specific online merchant using the statistical data Wherein the server is configured to: 22. The method of claim 21,
The processor comprising:
Supporting the determination or determination of the commission of the financial service together with the creditable amount that can be provided to the specific online merchant with reference to at least a part of the sales history information and the sales forecast information of the specific online seller Server features. 35. The method of claim 34,
Wherein the server is provided with a commission rate table which is a table in which the commission rate for determining the commission of the financial service is defined to correspond to at least one commission determination element,
The processor comprising:
And to determine or determine a commission of the financial service with reference to the commission rate table. 36. The method of claim 35,
Wherein the commission determining element includes at least one of an open market, a business type, a business type, an item, and sales by period. 22. The method of claim 21,
The processor comprising:
A process of causing the communication unit to provide a service provision agreement, which is information proving that the credit execution amount has been paid, to an online seller terminal that is the terminal device of the specific online seller or an open market terminal that is a terminal device of the operator of the open market Lt; / RTI > server. 22. The method of claim 21,
The processor comprising:
By performing a process of supporting creation or reuse of a virtual account for each online merchant to be used as a deposit path to be paid to the financial service provider by the amount to be settled by the operator of the open market for each of the transferred merchandise receivables , A financial service provider corresponding to the server receives the transfer receipt or receives the receipt,
And the settlement for each of the receivables transferred is performed through the virtual account. 22. The method of claim 21,
The processor comprising:
Determining whether the unredeemed receivable is an uncollected receivable and maintaining or maintaining the information of the uncollected receivable, and determining whether the uncollected receivable is determined based on the information of the uncolored receivable And a process for supporting collection or collection of the data. 40. The method of claim 39,
Wherein the predetermined non-recoverable processing condition is a condition in which the predetermined period of time elapses without reaching zero when the amount of uncollectible receivable, the remaining amount to be repaid to the financial service provider, does not reach zero.

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