KR20230034818A - Fulfillment server processes settlement for online shopping mall seller based on the collateral value and the operating method thereof - Google Patents

Abstract

Provided are a fulfillment server processing the calculation for an online shopping mall seller and an operating method thereof. The fulfillment server comprises: a seller management unit which receives identification information from a seller terminal related to the seller; a product management unit which identifies the inventory amount of selling products of the seller, which are being stored in a logistics center related to the fulfillment server, and determines a collateral value; a payment information receiving unit which receives payment information from a payment gateway server with respect to the product of the seller which has been completely ordered and paid by a purchaser; and a payment management unit which deposits the entirety or one part of the sum paid by the purchaser based on the collateral value with respect to the product of the seller which has been completely ordered and paid by the purchaser and the received payment information in an account related to the seller terminal. Therefore, the price of sale of a product may be quickly collected.

Description

Fulfillment server processing settlement for online shopping mall sellers based on collateral value and method of operation thereof

The present invention relates to electronic commerce, and more particularly, to a fulfillment server that processes settlement for a shopping mall seller and a method of operating the same.

Recently, as electronic commerce through online shopping malls has been activated, various product sellers are introducing a business model to enter online shopping malls to sell products and generate profits.

An open market among online shopping malls acts as a platform to mediate product transactions between product sellers and product buyers. When product sellers sell products to product buyers through the shopping mall, the product price paid by product buyers is stored, and when product buyers make a final decision to purchase a product, it is operated in the form of paying the product price to product sellers.

In this regard, Korean Registered Patent No. 10-0837040 (registration date: June 3, 2008) "System and method for trading in e-commerce", The seller grade is determined by the delivery service evaluation or delivery system grade determined by the type of delivery system considering the frequency of delivery accidents such as customer evaluation or damage, delivery error, and payment after the settlement cycle set according to the seller grade has elapsed An e-commerce transaction execution system for settling is described. This operating method has many positive elements in that it can block problems such as fraud in advance because the product price is paid to product sellers only when product buyers normally receive the product.

However, from the point of view of product sellers, there may be a disadvantage in that they receive the product price late because the product buyer does not receive the product price before final purchase decision for the product.

In addition, in these shopping malls, even if product buyers make a final purchase decision for a product, the product price is not paid directly to product sellers, but is operated in a form of settling the product price when a certain product payment date arrives. It may take a long time for product sellers to actually receive payment for the product. In this way, when product sellers receive payment for products sold through the shopping mall late, there may be a setback in business.

Therefore, in this technical field, there is a demand for an operating technology for a new service method that can help the business of product sellers by first settling the product sales receivables of the product sellers of the shopping mall in advance.

Korean Registered Patent No. 10-0837040, registered on June 3, 2008 (Name: System and method for trading in e-commerce)

An object of the present invention is to provide a fulfillment server and an operation method thereof that enable product sellers to quickly collect the product sales price in a shopping mall by first settling the product sales price receivables of the product sellers of the shopping mall in advance. .

Another object of the present invention is to provide a fulfillment server and its operating method that set the inventory quantity of product sellers in a shopping mall as collateral and settle the product sales price in advance based on this.

Another object of the present invention is to provide a fulfillment server and its operation method that can contribute to the success of the business operator by settling the sales price at the time of purchase of the product, thereby contributing to the success of the seller and at the same time contributing to the expansion of the e-commerce market is in providing

According to one aspect of the present invention, there is provided a fulfillment server that processes settlement for an online shopping mall seller. The fulfillment server includes a seller management unit that receives identification information from a seller terminal associated with the seller, a payment information receiver that receives payment information from a payment agency server for a product of the seller whose order and payment have been completed by the buyer, and the buyer and a settlement management unit that transfers all or part of the amount paid by the buyer to an account associated with the seller terminal based on the received payment information for the seller's product, for which the order and payment have been completed.

According to another aspect of the present invention, the settlement management unit is implemented by updating information on the amount deposited into the account associated with the seller terminal to a database and transmitting it to a payment agency server.

According to another aspect of the present invention, the settlement management unit is implemented by determining an amount obtained by deducting a preset commission rate from the amount paid by the purchaser as the selected payment.

According to another aspect of the present invention, the fulfillment server determines the seller's rating based on the seller's financial status or non-financial information based on the identification information of the seller terminal, and determines the seller's rating according to the seller's rating. Further includes a pre-calculation limit determination unit for determining all or part of the amount paid by the buyer as the pre-calculation amount.

According to another aspect of the present invention, the seller's rating is determined based on any one or more of the seller's credit rating, the seller's sales, the seller's operating profit, the seller's net profit, and the type of product sold.

According to another aspect of the present invention, the pre-calculation limit determining unit determines the seller's rating based on at least one of financial status or non-financial information about the seller, and limits the amount set in advance for each seller's rating. Based on this, it is determined whether to deposit all or part of the amount paid by the buyer.

According to another aspect of the present invention, the pre-calculation limit determining unit determines the seller's rating based on at least one of financial status or non-financial information about the seller, and in a ratio of a preset amount for each seller's rating. Based on this, all or part of the amount paid by the buyer is determined as the pre-calculated amount.

According to another aspect of the present invention, the fulfillment server further includes a product management unit for receiving a delivery request from the seller terminal for the product of the seller for which the order and payment have been completed by the buyer.

According to another aspect of the present invention, when payment information is received from the payment agency server by the payment information receiving unit and a delivery request is received from the seller terminal by the product management unit, the settlement management unit makes payment by the buyer All or part of the amount received is deposited into an account associated with the seller terminal.

According to another aspect of the present invention, a settlement processing method for an online shopping mall seller of a fulfillment server is provided. The settlement processing method includes the steps of receiving payment information of a product buyer from a payment agency server, receiving a delivery request from a seller of a product purchased by the buyer, and for the product of the seller for which the order and payment have been completed by the buyer. Determining the selected payment for the seller based on the received payment information, depositing the selected payment into an account connected to the seller terminal, receiving the purchaser's payment from the payment agency server, and the payment agency and depositing an amount obtained by subtracting a selection payment deposited into an account connected to the seller's terminal from among the purchaser's payment received from the server into an account connected to the seller's terminal.

According to another aspect of the present invention, the settlement processing method further includes updating information on the amount of money deposited into an account associated with the seller terminal in a database and transmitting to a payment proxy server.

According to another aspect of the present invention, the step of determining the pre-set payment determines an amount obtained by deducting a preset commission rate from the amount paid by the purchaser as the pre-set payment.

According to another aspect of the present invention, the step of determining the selection payment is the step of determining the seller's rating based on the seller's financial status or non-financial information based on the identification information of the seller terminal, and the seller's and determining all or part of the amount paid by the purchaser as the pre-calculated amount according to the grade.

According to another aspect of the present invention, the seller's rating is determined based on any one or more of the seller's credit rating, the seller's sales, the seller's operating profit, the seller's net profit, and the type of product sold.

According to another aspect of the present invention, the step of determining the seller's rating determines the seller's rating based on at least one of financial status or non-financial information about the seller, and the buyer's rating according to the seller's rating. Determining all or part of the amount paid by the pre-calculated amount determines whether to deposit all or part of the amount paid by the buyer based on the limit of the amount previously set for each level of the seller. do.

According to another aspect of the present invention, the step of determining the seller's rating determines the seller's rating based on at least one of financial status or non-financial information about the seller, and the buyer's rating according to the seller's rating. In the step of determining all or part of the amount paid by the pre-calculated amount as the pre-calculated amount, all or part of the amount paid by the buyer is determined as the pre-calculated amount based on a ratio of the amount previously set for each grade of the seller.

According to another aspect of the present invention, the settlement processing method further includes receiving a delivery request from the seller terminal for the seller's product, for which the order and payment have been completed by the buyer.

According to another aspect of the present invention, in the step of depositing the selected payment, when payment information is received from the payment agency server and a delivery request is received from the seller terminal, the settlement management unit sets the amount paid by the buyer All or part of is deposited into an account associated with the seller terminal.

In addition, the inventory quantity of product sellers in the shopping mall can be set as collateral, and based on this, the product sales price can be settled in advance.

In addition, by settling the sales price at the time of product purchase, the seller's cash flow can be smoothed, contributing to the success of the business operator and at the same time contributing to the expansion of the e-commerce market.

1 schematically shows a product payment and sales payment settlement process of an online shopping mall payment system according to the prior art.
2 schematically shows a product payment and sales price settlement process of an online shopping mall payment system according to an embodiment of the present invention.
3 is a block diagram showing the configuration of a system for providing a pre-calculation for an online seller according to an embodiment of the present invention.
4 is a block diagram showing the structure of a fulfillment server 400 according to an embodiment of the present invention.
5 shows an example of a pre-calculation processing method for an online shopping mall seller according to an embodiment of the present invention.
6 shows a settlement processing method of a fulfillment server according to an embodiment of the present invention.
7 shows a settlement processing method of a fulfillment server according to another embodiment of the present invention.
8 is a block diagram illustrating an example of a computer system according to an embodiment of the present invention.

The present invention will be described in detail with reference to the accompanying drawings. Here, repeated descriptions, well-known functions that may unnecessarily obscure the subject matter of the present invention, and detailed descriptions of configurations are omitted. Embodiments of the present invention are provided to more completely explain the present invention to those skilled in the art. Accordingly, the shapes and sizes of elements in the drawings may be exaggerated for clarity.

Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the accompanying drawings.

1 schematically shows a product payment and sales payment settlement process of an online shopping mall payment system according to the prior art.

1, when the buyer 110 orders a product through the payment agency server 130 and completes the payment (S110), the payment agency server 130 transmits order information and payment information to the seller 120. Do (S120).

After confirming the order information and payment information, the seller 120 requests delivery to the distribution center 140 (S130).

Upon receiving the delivery request from the seller 120, the distribution center 140 sends the product to the buyer 110 (S140). At this time, the distribution center may send the product after confirming order information, picking the product, and packing the product.

The shipped product is delivered to the buyer 110 from the logistics center 140 by the courier company 150 (S150), and when the delivery is completed, the product arrives at the buyer (S160).

At this time, the period in which the product sent from the distribution center 140 to the buyer 110 is delivered by the courier company 150 (S150) may take 1 to 3 days.

When the buyer 110 checks the arrived product and confirms the purchase to the payment proxy server 130 (S170), the payment proxy server 130 transfers the sales price to the seller (S180), and the settlement of the sales price is completed.

At this time, it may take 1 to 10 days for the purchaser 110 to confirm purchase after receiving the product (S170). This is because it takes up to 7 days or more unless the buyer actively takes action, and most buyers tend not to actively make a purchase decision. This is because, based on Article 17 of the "Consumer Protection Act in Electronic Commerce, etc.", the period during which consumers can withdraw their subscription and cancel the contract is set at 7 days in the e-commerce contract.

In addition, since the cycle in which a general payment agency operator settles the payment to the seller is usually performed on a weekly or monthly basis, the seller suffers the disadvantage of not being able to settle the sales payment for a period of more than one month in the worst case.

On the other hand, fulfillment is a service that comprehensively manages the entire logistics process, such as product warehousing, inspection, loading, picking, packing, release, delivery, and inventory management, and has the following advantages.

(1) A fulfillment business that manages the warehousing and warehousing of products can identify the stock of a particular product and thus evaluate the inventory for that product.

(2) In addition, fulfillment business operators can monitor the entire process from shipment to delivery and product arrival, so guarantees are possible from the moment payment is made to arrival.

If the advantage of such fulfillment is utilized, a method and system can be provided that can immediately settle and pay the sales price of the product to the seller at the time when the shopping mall confirms that the purchaser has completed the payment.

Hereinafter, a fulfillment server capable of executing payment settlement at the time of product purchase and an operation method thereof will be described.

2 schematically shows a product payment and sales price settlement process of an online shopping mall payment system according to an embodiment of the present invention.

Referring to Figure 2, when the buyer 210 orders a product through the payment agency server 230 and completes the payment (S210), the payment agency server 230 to the seller 220 and fulfillment server 240 Order information and payment information are transmitted (S220).

After confirming the order information and payment information, the seller 220 requests delivery to the fulfillment server 240 (S230).

Upon receiving the delivery request from the seller 220, the fulfillment server 240 checks the order and settles the sales price for the product to the seller 220 (S240). At this time, the fulfillment server 240 responds to step S230 in which the seller confirms the buyer's product order information and payment information and then requests delivery to settle the sales price for the goods sold to the seller 220, the seller can get the settlement of sales proceeds without delay, thus smoothing the cash flow.

In addition, the fulfillment server 240 picks the product and sends the product to the buyer through the packing operation (S250).

The shipped product is delivered to the buyer 210 from the fulfillment server 240 by the courier company 250 (S260), and when the delivery is completed, the product arrives at the buyer (S270).

At this time, the period in which the goods sent from the fulfillment server 240 to the purchaser 210 are delivered by the courier company 250 (S260) may take 1 to 3 days.

When the buyer 210 checks the arrived product and confirms the purchase to the payment agency server 230 (S280), the payment agency server 230 transfers the sales price to the fulfillment server 240 (S290) to settle the sales price. This is done.

3 is a block diagram showing the configuration of a system 300 for providing a pre-calculation for an online seller according to an embodiment of the present invention.

Referring to FIG. 3, the pre-calculation providing system 300 according to the present invention includes a buyer terminal 310, a seller terminal 320, a shopping mall server 330, a payment agency server 340, and a fulfillment server 350. Including, they can be connected to each other through the Internet communication network (360). Not all of the components of the pre-calculation providing system 300 shown in FIG. 3 are essential components, and the pre-calculation providing system 300 may be implemented by more components than the components shown in FIG. The pre-calculation providing system 300 may also be implemented with fewer components.

The buyer terminal 310 and the seller terminal 320 include a smart phone, a portable terminal, a mobile terminal, a foldable terminal, and a personal digital assistant (PDA). ), PMP (Portable Multimedia Player) terminal, telematics terminal, navigation terminal, personal computer, notebook computer, slate PC, tablet PC, ultrabook ), wearable device (including, for example, a watch type terminal (Smartwatch), a glass type terminal (Smart Glass), HMD (Head Mounted Display), etc.), Wibro terminal, IPTV (Internet Protocol Television) terminal It can be applied to various terminals such as smart TVs, digital broadcasting terminals, AVN (Audio Video Navigation) terminals, A/V (Audio/Video) systems, flexible terminals, digital signage devices, and the like.

In addition, each of the buyer terminal 310 and seller terminal 320 has a product information registration function through a dedicated app and / or website provided by the shopping mall server 330 by interworking with the shopping mall server 330, Sign up as a user to be provided with a function to register inventory information of the product, a function to request pre-calculation, a function to check pre-calculation details, a product search function, and a product purchasing function, and personal information is registered in the shopping mall server 330 . At this time, the personal information includes ID, e-mail address, password (or password), name, gender, date of birth, contact information, and the like.

In addition, each of the buyer terminal 310 and the seller terminal 320 is a member of the shopping mall server 330 as a user by using SNS account information to which users of the corresponding buyer terminal 310 and seller terminal 320 have joined. You can also sign up.

Here, the SNS account may be information related to Facebook, Twitter, Kakao Story, and the like.

In addition, when performing the membership registration procedure, each of the buyer terminal 310 and the seller terminal 320 must complete an authentication function through a user authentication means (eg, mobile phone, credit card, i-PIN, etc.) to the shopping mall server. The membership registration process for (330) can be completed normally.

In addition, after membership registration is completed, each of the buyer terminal 310 and the seller terminal 320 uses a dedicated app provided from the shopping mall server 330 to use the service provided by the shopping mall server 330 ( or an application/application/specific app) is installed on the corresponding buyer terminal 310 and the corresponding seller terminal 320, respectively. In this case, the dedicated app may be a dedicated app for performing a product information registration function, a product inventory information registration function, a pre-calculation request function, a pre-calculation history confirmation function, a product inquiry function, a product purchase function, and the like.

In addition, each of the buyer terminal 310, the seller terminal 320, the shopping mall server 330, the payment agency server 340, and the fulfillment server 350 is configured to perform a communication function with other terminals. A communication unit (not shown), a memory (not shown) for storing various information and programs (or applications), a display unit (not shown) for displaying various information and program execution results, corresponding to the various information and program execution results It may include an audio output unit (not shown) for outputting audio information to be heard, a processor (not shown) for controlling various components and functions of each terminal, and the like.

The buyer terminal 310 communicates with the seller terminal 320 , the shopping mall server 330 , the payment agency server 340 , the fulfillment server 350 , and the like.

In addition, the purchaser terminal 310 executes a dedicated app pre-installed in the purchase terminal 310 and displays an app execution result screen according to the execution of the dedicated app. At this time, the app execution result screen is a product search menu for inquiring (or searching for) a product the buyer wants to purchase, and a product purchasing menu for performing a purchase function for a specific product among the inquired products or checking purchased product details. , a setting menu for setting dedicated app functions, and the like. Here, the purchaser terminal 310 is registered as a member of the shopping mall server 330 that provides the dedicated app, and performs a login procedure when the dedicated app is executed using the ID and password according to the member signup. One or more functions of the dedicated app (including, for example, a product search function and a product purchase function) may be performed. In this case, the dedicated app may be composed of an integrated app or may be composed of different user interfaces according to a seller who registers product information and a buyer who purchases the product after checking the product information.

In addition, when a preset product search menu is selected from the app execution result screen displayed on the purchaser terminal 310, the purchaser terminal 310 includes a plurality of other input items corresponding to the selected product search menu Displays the product inquiry screen. At this time, an input item for receiving a product name, product code, product category, etc. to be searched for the plurality of other input items is included.

In addition, the purchaser terminal 310 receives a plurality of other inputs according to a purchaser's input (or purchaser's touch/selection/control) on a product inquiry screen including a plurality of other input items displayed on the corresponding purchaser's terminal 310. Product inquiry information including a plurality of other input values corresponding to items is received. Here, the plurality of other input values include a product name, product code, product category, and the like to be searched. In this case, the product name may be a full name or a part of a specific product.

In addition, the purchaser terminal 310 transmits the received product inquiry information and identification information of the purchaser terminal 310 to the shopping mall server 330 . Here, the identification information of the purchaser terminal 310 includes MDN, mobile IP, mobile MAC, Sim (subscriber identification module) card-specific information, serial number, and the like.

In addition, the purchaser terminal 310 receives one or more product information transmitted from the shopping mall server 330 in response to the transmitted product inquiry information.

In addition, the purchaser terminal 310 displays the received one or more product information.

In addition, when a preset purchase menu is selected in a state in which at least one product information is selected according to a purchaser's input from among one or more product information displayed on the purchase terminal 310, the purchaser terminal 310 sends the shopping mall server 330 ) and the payment proxy server 340 to perform a payment function for at least one product corresponding to the selected at least one product information.

When the payment function fails, the purchaser terminal 310 receives information indicating that the payment has failed transmitted from the shopping mall server 330 or the payment agency server 340, and transmits information indicating that the received payment has failed. display

In addition, when the payment function normally proceeds, the purchaser terminal 310 receives a result of performing the payment function transmitted from the shopping mall server 330 or the payment proxy server 340 . At this time, the result of performing the payment function includes payment date and time information, payment amount (or sales amount), and product information on a paid product.

In addition, the purchaser terminal 310 displays the received result of performing the payment function.

In this way, the purchaser terminal 310 may search for product information registered in the shopping mall server 330 and perform a purchase function for a product corresponding to the inquired product information.

In the embodiment of the present invention, it is described that a product search function, a product purchase function, etc. are performed through a dedicated app pre-installed in the purchaser terminal 310, but it is not limited thereto, and the shopping mall server ( 330), a product search function, a product purchase function, etc. may be performed through the web page provided.

The seller terminal 320 communicates with the buyer terminal 310, the shopping mall server 330, the payment agency server 340, the fulfillment server 350, and the like.

In addition, the seller terminal 320 executes a dedicated app pre-installed in the corresponding seller terminal 320 and displays an app execution result screen according to the execution of the dedicated app. At this time, the app execution result screen includes a registration menu (or item/button) for registering a product the seller wants to sell, a financial menu for registering financial information related to the seller of the seller terminal 320, and any buyer terminal ( 310) includes a pre-calculation request menu for requesting pre-calculation for products that have been paid for or checking the details of pre-calculation, and a setting menu for setting dedicated app functions. Here, the seller terminal 320 is registered as a member of the shopping mall server 330 that provides the dedicated app, and performs a log-in procedure when the dedicated app is executed using the ID and password according to the member signup. One or more functions of the dedicated app (including, for example, a product information registration function, a seller's financial status information registration function, a pre-calculation request function, a pre-calculation history confirmation function, etc.) may be performed. In this case, the dedicated app may be composed of an integrated app or may be composed of different user interfaces according to a seller who registers product information and a buyer who purchases the product after checking the product information.

In addition, when a preset registration menu is selected from the app execution result screen displayed on the seller terminal 320, the merchant terminal 320 displays a registration screen including a plurality of input items corresponding to the selected registration menu. do. At this time, the plurality of input items include the seller's name (or CEO's name), seller's business registration number, mail-order business registration number, seller's contact information, seller's address, product name, product image, product video, price information, and description information. Contains input items to receive.

In addition, the seller terminal 320 includes a plurality of input items corresponding to the plurality of input items according to seller input (or seller touch/selection/control) on a registration screen including a plurality of input items displayed on the corresponding seller terminal 320. Receive product information including an input value of Here, the plurality of input values include seller name (or CEO name), seller's business registration number, mail-order business report number, seller contact information, seller address, product name, product image, product video, price information, description information, etc. do.

In addition, the seller terminal 320 registers the received product information in the shopping mall server 330 for sale of the corresponding product, so as to register one or more products that the seller of the received seller terminal 320 intends to sell. The related product information, identification information of the seller terminal 320, and the like are transmitted to the shopping mall server 330. Here, the identification information of the sales terminal 100 includes a mobile directory number (MDN), a mobile IP, a mobile MAC, subscriber identity module (SIM) card-specific information, and a serial number.

In addition, when the product information transmitted from the seller terminal 320 to the shopping mall server 330 is not registered in the corresponding shopping mall server 330, the seller terminal 320 transmits the corresponding product information transmitted from the shopping mall server 330. Information indicating that product information is not registered is received.

In addition, the seller terminal 320 displays information indicating that the received product information is not registered.

In addition, the seller terminal 320 interworks with the shopping mall server 330 to provide additional product information including a plurality of additional input values according to the seller's input in relation to corresponding unregistered product information to the corresponding shopping mall server 330. ) may perform a process of registering in a specific category.

In addition, the seller terminal 320 includes a plurality of different input values corresponding to the plurality of other input items according to the seller input on the financial screen including a plurality of other input items displayed on the corresponding seller terminal 320 Receive financial status information. Here, the plurality of other input values include sales detail information related to online/offline product sales of the product related to the corresponding product information, financial information related to the seller (or sales company) of the corresponding seller terminal 320, and the like. . In this case, the sales detail information and/or the financial information may be in the form of a file in a preset format (eg, an Excel file, an access file, etc.). Here, the financial information includes capital, liabilities, corporate tax payment details, and the like.

In addition, the seller terminal 320 identifies the received financial status information and the seller terminal 320 in order to register financial status information related to the seller of the corresponding seller terminal 320 with the shopping mall server 330. Information and the like are transmitted to the fulfillment server 350 .

In the embodiment of the present invention, financial status information, etc. including a plurality of different input values according to the seller's input on the financial screen is transmitted to the fulfillment server 350, and the financial status information related to the corresponding seller is transmitted to the fulfillment server 350. Registration in the server 350 has been described, but is not limited thereto, and when the seller terminal 320 registers as a member of the shopping mall server 330, sales detail information related to the seller of the corresponding seller terminal 320, financial It can also be configured to register current status information and the like. Thereafter, the shopping mall server 330 may provide the fulfillment server 350 linked with the shopping mall server 330 with sales details information, financial status information, etc. registered at the time of membership registration in the shopping mall server 330 there is.

In addition, when a product related to product information registered in the shopping mall server 330 is sold in the seller terminal 320, the seller terminal 320 has a payment function provided from the shopping mall server 330 (or payment server). Receive execution results. At this time, the result of performing the payment function includes payment date and time information, payment amount (or sales amount), and product information on the paid product.

In addition, the merchant terminal 320 displays the received result of performing the payment function.

In addition, after the payment function for a specific product is normally performed (or after receiving the result of performing the payment function), the amount is transferred from the shopping mall server 330 to an account related to the seller. At this time, the seller terminal 320 may receive an amount excluding the other preset commission rate (for example, 3%) from the remaining amount into an account related to the seller.

In the embodiment of the present invention, it is described that the merchant terminal 320 receives a pre-calculation function from the fulfillment server 350 for each case, but is not limited thereto, and the merchant terminal 320 A pre-calculation function may be provided from the fulfillment server 350 for at least one transaction according to a preset period or at least one transaction according to a seller's request.

In this way, the seller terminal 320 receives a pre-settlement of some or all of the sales amount sold through the shopping mall server 330 according to the level of the corresponding seller set in the corresponding fulfillment server 350, and conducts business activities of the seller. , money circulation, etc. can bring help.

In the embodiment of the present invention, the product information registration function, the seller's financial status information registration function, the pre-calculation request function, the pre-calculation details confirmation function, etc. are performed through the dedicated app pre-installed in the seller terminal 320. However, it is not limited thereto, and in addition to the dedicated app, product information registration function, seller's financial status information registration function, pre-calculation request function, pre-calculation details confirmation function, etc. through the web page provided by the shopping mall server 330 can also be done

The shopping mall server 330 communicates with the purchase price terminal 310 , the seller terminal 320 , the payment agency server 340 , the fulfillment server 350 , and the like.

In addition, the shopping mall server 330 performs a membership registration procedure for users such as the buyer terminal 310 and the seller terminal 320 .

In addition, the shopping mall server 330 registers personal information related to users such as the buyer terminal 310 and the seller terminal 320 . At this time, the shopping mall server 330 may register (or manage) corresponding personal information in a DB server (not shown).

In addition, the shopping mall server 330 performs a member management function for users such as the buyer terminal 310 and the seller terminal 320 .

In addition, the shopping mall server 330 is a dedicated app and / or web that provides a product information registration function, a seller's financial status information registration function, a pre-calculation request function, a pre-calculation history confirmation function, a product search function, a product purchase function, and the like The site is provided to the buyer terminal 310, the seller terminal 320, and the like. In this case, the dedicated app may be composed of an integrated app or may be composed of different user interfaces according to a seller who registers product information and a buyer who purchases the product after checking the product information.

In addition, the shopping mall server 330 provides a bulletin board function for announcements, events, and the like.

Also, the shopping mall server 330 receives product information transmitted from the seller terminal 320 , identification information of the seller terminal 320 , and the like.

In addition, the shopping mall server 330 registers the received product information in a specific category related to the corresponding product based on the product name and/or description information included in the received product information among categories for each product type.

In addition, the shopping mall server 330 transmits a product information registration result indicating that product information is normally registered to the seller terminal 320 .

In addition, when the product information is not registered in the shopping mall server 330, the shopping mall server 330 transmits information indicating that the corresponding product information is not registered to the seller terminal 320.

In addition, the shopping mall server 330 interworks with the seller terminal 320 to provide additional product information including a plurality of additional input values according to a seller input in relation to corresponding unregistered product information to the corresponding shopping mall server 330. ) may perform a process of registering in a specific category.

In addition, when a payment function for a corresponding product is performed by the purchaser terminal 310 in relation to product information registered by the seller in the shopping mall server 330, the shopping mall server 330 performs sales information on the corresponding product, etc. is transmitted to the payment agency server 340.

That is, when the purchaser terminal 310 performs a payment function for a product corresponding to product information registered in the shopping mall server 330, the shopping mall server 330 performs the payment function, and the sale information of the corresponding product Sends to the payment agency server (340).

In addition, the shopping mall server 330 receives product search request information transmitted from other purchaser terminals 310 , identification information of other purchaser terminals 310 , and the like.

In addition, the shopping mall server 330 checks (or searches for) one or more product information corresponding to the received product search request information among a plurality of product information previously registered in the corresponding shopping mall server 330 .

In addition, the shopping mall server 330 transmits the identified one or more product information to the other purchaser terminal 310 .

In addition, when there is a payment request for specific product information among one or more product information transmitted to the other purchaser terminal 310, the shopping mall server 330 communicates with the other purchaser terminal 310 and the payment agent server 340. In conjunction, a payment function for a product corresponding to the specific product information (or one or more products corresponding to one or more product information) is performed.

In addition, when the payment function is normally performed, the shopping mall server 330 (or the payment server) transmits the result of performing the payment function to the other buyer terminal 310 and the seller terminal that registered the corresponding product to the shopping mall server 330. (320), payment agency server 340, fulfillment server 350, etc. are provided. At this time, the result of performing the payment function includes payment date and time information, payment amount (or sales amount), and product information on a paid product.

When the payment proxy server 340 performs a pre-calculation function for some or all of the payment amount in the fulfillment server 350 using the result of performing the payment function, the selection transmitted from the fulfillment server 350 Receive mountain history information, etc. Here, the pre-calculation detail information is the result of performing the payment function, the pre-calculated pre-calculation amount information, the pre-calculation processing date and time information, the transaction detail information according to the pre-calculation (or the account related to the seller of the seller terminal 320) deposit slip/deposit confirmation letter), account information managed by the fulfillment server 350, and deposit account change request information.

In addition, when it corresponds to the settlement date in the payment agency server 340, the payment agency server 340 determines all or part of the payment amount (or the Of the payment amount, the pre-calculation amount included in the pre-calculation detail information) is deposited (or transferred) to an account related to the fulfillment server 350, and the remaining amount of the payment amount (or the pre-calculated amount from the payment amount) The remaining amount after deducting the pre-calculated amount included in the detail information) is deposited into the account related to the seller of the seller terminal 320 . At this time, the payment proxy server 340 may deposit an amount excluding other pre-set commission rates (eg, 3%) from the remaining amount provided to the seller to an account related to the seller.

On the other hand, the payment proxy server 340 processes the entire payment amount into an account related to the fulfillment server 350, regardless of whether the fulfillment server 350 pre-calculated, and the remaining amount after deducting the pre-calculated amount. Also, the fulfillment server 350 may deposit money into an account associated with the seller terminal 320 .

The fulfillment server 350 precalculates the sales price of the seller's product to the account connected to the seller terminal 320, and receives the deposit from the payment agent server 340.

At this time, according to a pre-set contract condition between the fulfillment server 350 and the seller of the seller terminal 320, a commission rate may be set for each case or a certain amount of commission may be set for each day/week/month.

In addition, the fulfillment server 350 calculates the remaining amount after subtracting the total pre-calculated amount from the total payment cost (or total settlement amount) to be provided to the seller of the seller terminal 320 on a preset settlement date. Deposits can be made to the account associated with the seller on a per/week/month basis.

4 is a block diagram showing the structure of a fulfillment server 400 according to an embodiment of the present invention.

The fulfillment server 400 of FIG. 4 may correspond to the fulfillment server 350 of FIG. 3 .

Referring to FIG. 4 , the fulfillment server 400 includes a seller management unit 410, a product management unit 420, a payment information receiving unit 430, a pre-payment limit determining unit 440, a settlement management unit 450, and a control unit 460. ) is composed of.

The seller management unit 410 receives and manages financial status information of a corresponding seller, identification information of the seller terminal 320, and account information registered with the seller from the seller terminal 320 associated with the seller.

In addition, the seller management unit 410 registers (or save).

The product management unit 420 manages products registered by the seller in the shopping mall server 330 . The product management unit 420 manages all procedures related to inventory quantities, order details, sales details, and delivery of products registered in the shopping mall server 330 .

The process related to product delivery includes receiving a delivery request for products for which an order has been placed, picking products, and collecting and managing information for sending products.

At this time, the product management unit 420 receives payment information for the corresponding product from the payment proxy server 340 and receives a delivery request for the corresponding product from the seller terminal 320 .

That is, the product management unit 420 may use the seller terminal 320 or the shopping mall server ( When receiving a delivery request for the corresponding product from 330), a request for picking, packing, and sending the product is made to a distribution center or a fulfillment center.

In addition, the product management unit 420 manages inventory of products registered by the corresponding seller in the shopping mall server 330 and transmits information about the inventory to the shopping mall server 330 . Therefore, the purchaser of the product can frequently check the stock quantity through the shopping mall server 330 using the purchaser terminal 310 .

On the other hand, since the fulfillment server has its own distribution center, the product management unit 420 may manage the inventory of the corresponding seller stored in the fulfillment server's own distribution center. At this time, the product management unit 420 compares the inventory of the product registered by the corresponding seller in the shopping mall server 330 with the inventory of the corresponding seller stored in the fulfillment server's own distribution center, and the inventory registered in the shopping mall server 330. information can be updated.

At this time, the product management unit 420 may evaluate the total collateral value of the inventory of the corresponding seller stored in its own logistics center of the fulfillment server.

In addition, inventory of the corresponding seller stored in the self-distribution center of the fulfillment server identified by the product management unit 420 may be used as collateral for the corresponding seller when pre-calculation is performed with the seller.

The payment information receiving unit 430 receives sales information and/or payment information for a corresponding product from the payment proxy server 340 . Here, the sales information includes sales amount, delivery information, return/cancellation/refund information, settlement information, seller information, and the like.

That is, when the purchaser terminal 310 executes a payment function for a product corresponding to product information registered in the shopping mall server 330, the payment information receiver 430 uses the shopping mall server 330 or the payment agency server The sales information of the product transmitted from 340 is stored or managed in a database (or storage unit).

The pre-calculation limit determining unit 440 evaluates the seller based on the financial status and/or non-financial status of the seller, and determines the pre-calculation limit or pre-calculation amount ratio for providing the pre-calculation amount to the seller. do. At this time, the financial status or non-financial status of the seller is determined by identifying the seller based on the identification information of the seller terminal 320 received from the seller management unit 410, and based on this, the financial status and/or non-financial status of the corresponding seller. can be retrieved from the database.

In addition, the pre-calculation limit determining unit 440 determines whether to deposit the entire amount paid for the product by the buyer or a part of the paid amount to the seller according to the pre-calculation amount limit or the pre-calculation amount ratio. decide At this time, the pre-calculation limit determining unit 440 may determine to process the pre-calculation based on only one of the pre-calculation amount limit or the pre-calculation amount ratio, and apply both the pre-calculation amount limit and the pre-calculation amount ratio You may decide to process a pre-calculation.

Hereinafter, a method for determining a pre-calculation amount by the pre-calculation limit determining unit 440 according to various embodiments will be described.

Determination of prepayment limits based on seller's rating

According to one embodiment of the present invention, the pre-set limit determination unit 440 determines the financial status and/or non-financial status rating for the seller from among the ratings corresponding to the analysis result of the pre-set financial status and/or non-financial status. Decide.

That is, when the prepayment limit determining unit 440 receives payment information from the payment agency server 340 after payment for a specific product is normally performed (or prepayment request information from the seller terminal 320 according to product payment) When receiving), the seller terminal 320 settles all or part of the payment in advance based on the financial status and / or non-financial status of the seller. In this case, the amount to be pre-calculated may be determined according to the seller's grade according to the pre-set pre-calculation ratio for each grade.

For example, the amount precalculated is 100% of the payment amount for 1st grade, 90% of the payment amount for 2nd grade, 80% of the payment amount for 3rd grade, 70% of the payment amount for 4th grade, 5 60% of payment amount for level 6, 50% of payment amount for level 6, 40% of payment amount for level 7, 30% of payment amount for level 8, 20% of payment amount for level 9, 10 In the case of a grade, it may be set to 10% of the payment amount.

In this case, the seller's rating may be determined based on at least one of the financial status and non-financial status of the seller.

For example, the seller's rating may be determined based on at least one of the seller's credit rating, the seller's sales, operating profit, net profit, and type of product sold.

In this case, the limit of the amount to be precalculated may also be determined according to the grade of the seller or the seller terminal according to the pre-set limit of precalculation for each grade. In this case, the seller's grade according to the pre-set pre-payment limit for each grade may be the same as the seller's grade according to the pre-set pre-payment ratio for each grade, or a different grade may be newly defined.

In this case, the limit of the pre-calculated amount may exist in units of a certain period, and when the pre-calculated amount is deposited to the seller, the deposited amount may be deducted within the limit of the pre-calculated amount within the certain period.

For example, the limit of the precalculated amount is 1 billion per month for grade 1, 500 million per month for grade 2, 2.5 billion per month for grade 3, and 100 million per month for grade 4. , 50 million won per month for grade 5, 25 million won per month for grade 6, 10 million won per month for grade 7, 5 million won per month for grade 8, 250 won per month for grade 9 It may be set to 10,000 won or the like.

When a product registered in the shopping mall server 330 by the seller terminal 320 is purchased by one of the buyer terminals 310, the pre-payment limit determining unit 440 determines the seller terminal 320 or the seller based on the rating. All or part of the purchase price is transferred to the account related to the seller of the seller terminal 320, and the pre-calculated amount corresponding to at least part or all of the payment amount (or sales amount) included in the payment function execution result is calculated as the pre-calculated amount do.

Determination of pre-production limit based on collateral corresponding to inventory quantity

According to another embodiment of the present invention, the pre-payment limit determination unit 440 calculates the collateral ratio based on the inventory quantity and collateral value of the seller's sale product identified by the product management unit 420, and the collateral ratio Within the total limit, the pre-calculated amount can be pre-calculated to the seller.

In this case, the inventory quantity of the sale product may be the inventory of the seller's sale product stored and managed in a distribution center associated with the fulfillment server.

At this time, the pre-payment limit determining unit 440 may calculate the collateral ratio based on any one or more of the date the product for sale is received, the characteristics of the product, the expiration date, and the sales information of the product for sale.

For example, the pre-payment limit determining unit 440 may set the collateral ratio of the sold product to 10% of the actual value of the entire inventory when the shelf life of the sold product is less than one month from the current point in time.

In addition, the prepayment limit determining unit 440 may set the collateral ratio of the sold product to 20% of the actual value of the entire inventory when the expiration date of the sold product is one month or more and less than two months from the current point in time.

In addition, the prepayment limit determining unit 440 may set the collateral ratio of the sold product to 30% of the actual value of the entire inventory when the expiration date of the sold product is 2 months or more and less than 3 months from the current point in time.

In addition, the pre-payment limit determining unit 440 may set the collateral ratio of the sold product to 40% of the actual value of the entire inventory when the shelf life of the sold product is 3 months or more and less than 4 months from the current point in time.

In addition, the prepayment limit determining unit 440 may set the collateral ratio of the sold product to 50% of the actual value of the entire inventory when the expiration date of the sold product is 4 months or more and less than 5 months from the current point in time.

In addition, the prepayment limit determining unit 440 may set the collateral ratio of the sold product to 60% of the actual value of the entire inventory when the expiration date of the sold product is 5 months or more and less than 6 months from the current point in time.

In addition, the prepayment limit determining unit 440 may set the collateral ratio of the sold product to 70% of the actual value of the entire inventory when the shelf life of the sold product is 6 months or more and less than 7 months from the current point in time.

In addition, the prepayment limit determining unit 440 may set the collateral ratio of the sold product to 80% of the actual value of the entire inventory when the shelf life of the sold product is 7 months or more and less than 8 months from the current point in time.

In addition, the pre-calculation limit determination unit 440 may set the collateral ratio of the sold product to 90% of the actual value of the entire inventory when the expiration date of the sold product is 8 months or more and less than 9 months from the current point in time.

In addition, the pre-calculation limit determining unit 440 may set the collateral ratio of the sold product to 100% of the actual value of the entire inventory when the shelf life of the sold product is 9 months or more from the current point in time.

In addition, the pre-calculation limit determination unit 440 may calculate the depreciation of the inventory quantity based on the number of products to be sold for a certain period of time, the seller's financial status, and the monthly sales compared to the seller's inventory quantity.

For example, the pre-payment limit determining unit 440 may set the collateral ratio of the sale product to 10% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 10%.

In addition, the pre-calculation limit determining unit 440 may set the collateral ratio of the sale product to 10% of the actual value of the entire inventory when the monthly sales compared to the inventory quantity of the seller is less than 10%.

In addition, the pre-calculation limit determining unit 440 may set the collateral ratio of the sale product to 10% of the actual value of the entire inventory when the monthly sales compared to the inventory quantity of the seller is less than 10%.

In addition, the pre-calculation limit determining unit 440 may set the collateral ratio of the sale product to 10% of the actual value of the entire inventory when the monthly sales compared to the inventory quantity of the seller is less than 10%.

In addition, the pre-calculation limit determining unit 440 may set the collateral ratio of the sale product to 10% of the actual value of the entire inventory when the monthly sales compared to the inventory quantity of the seller is less than 10%.

In addition, the pre-calculation limit determination unit 440 may set the collateral ratio of the sale product to 20% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 20%.

In addition, the pre-calculation limit determination unit 440 may set the collateral ratio of the sale product to 30% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 30%.

In addition, the pre-calculation limit determining unit 440 may set the collateral ratio of the sale product to 40% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 40%.

In addition, the pre-calculation limit determining unit 440 may set the security ratio of the sale product to 50% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 50%.

In addition, the pre-calculation limit determining unit 440 may set the collateral ratio of the sale product to 60% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 60%.

In addition, the pre-calculation limit determination unit 440 may set the collateral ratio of the sale product to 70% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 70%.

In addition, the pre-calculation limit determination unit 440 may set the collateral ratio of the sale product to 80% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 80%.

In addition, the pre-calculation limit determination unit 440 may set the collateral ratio of the sale product to 90% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 90%.

In addition, the pre-calculation limit determination unit 440 may set the collateral ratio of the sale product to 100% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is 90% or more.

On the other hand, the pre-payment limit determining unit 440 may periodically evaluate the collateral ratio with respect to the inventory of the seller. For example, the period in which the pre-payment limit determining unit 440 evaluates the collateral ratio for the inventory of the seller may be a unit such as a week, a month, a quarter, a half year, or a year.

When a product registered in the shopping mall server 330 by the seller terminal 320 is purchased by one of the other buyer terminals 310, the settlement money management unit 450 sets the pre-calculation amount calculated by the pre-payment limit determining unit 440. Deposit is processed to an account associated with the seller terminal 320 of the seller terminal 320 . At this time, the selected payment may be an amount obtained by deducting a preset commission rate (for example, 5%) from the amount of payment information received from the payment agency server 340, and the settlement management unit 450 deducts the preset commission rate. One amount may be deposited into an account associated with the seller terminal 320 .

At this time, the payment management unit 450 receives payment information from the payment proxy server 340 by the payment information receiving unit 430, and receives a delivery request from the seller terminal 320 by the product management unit 420. In this case, the pre-calculation amount calculated by the pre-calculation limit determining unit 440 may be deposited into an account associated with the seller terminal 320 .

The settlement money management unit 450 transmits the payment agency server 340 with the payment agency server 340 to receive the payment agency server 340 of the amount pre-calculated in the account associated with the seller terminal 320 . Here, the pre-calculation details information is the result of performing the payment function, the pre-calculated amount information, the pre-calculation processing date and time information, the transaction details information according to the pre-calculation (or the seller terminal 320 to the account related to the seller) deposit receipt/deposit confirmation), account information managed by the fulfillment server 350, deposit account change request information, and the like.

That is, instead of depositing the entire payment amount included in the result of performing the payment function from the fulfillment server 400 to the seller terminal 320, the settlement money management unit 450 transfers the payment amount from the fulfillment server 400 to the seller terminal 320 and Payment of pre-calculation details, etc. It is transmitted to the proxy server 340.

In addition, when it corresponds to the settlement date in the payment agency server 340, the settlement money management unit 450 determines the payment details provided from the shopping mall server 330 based on the result of performing the payment function and the information on the pre-calculation details. Receive and display information.

In the embodiment of the present invention, the seller management unit 410, the product management unit 420, the payment information receiving unit 430, the pre-calculation limit determining unit 440, and the settlement management unit 450 have been classified and described by function, but are limited thereto. The functions performed by the seller management unit 410, the product management unit 420, the payment information receiving unit 430, the pre-calculation limit determining unit 440, and the settlement management unit 450 are performed by a single control unit or processor. It can also be done integratively.

5 shows an example of a pre-calculation processing method for an online shopping mall seller according to an embodiment of the present invention.

The buyer terminal 310, the seller terminal 320, the shopping mall server 330, the payment agency server 340, and the fulfillment server 350 of the embodiment of FIG. 5 correspond to each component constituting the embodiment of FIG. It can be.

Referring to FIG. 5 , the seller terminal 320 registers products for sale in the shopping mall server 330 (S505).

At this time, the seller terminal 320 may register a product for sale by transmitting information about the product for sale to the shopping mall server 330 .

In this case, the information on the sale product may include at least one of an item, a detailed description of the product, a price, and a stock quantity.

Next, the purchaser terminal 310 selects one of the sales products registered in the shopping mall server 330 and transmits the order to the shopping mall server 330 (S510).

The shopping mall server 330 receiving the order from the purchaser terminal 310 transmits the order information to the payment agent server 340 (S515).

In this case, the order information may include an identification number of the purchaser terminal, an identification number of the ordered product, an order date, an order time, and product price information.

Upon receiving the order information from the shopping mall server 330, the payment agency server 340 transmits request information for payment to the buyer terminal 310 (S520).

In this case, the request information for the payment may include at least one of request information for the purchaser's identity authentication, product price information, and payment method information request information.

Upon receiving the payment request information from the payment proxy server 340, the purchaser terminal 310 pays the payment to the payment proxy server 340 in response to the payment request information (S525).

At this time, the purchaser terminal 310 may perform payment by transmitting at least one of information for personal authentication and information on a payment method to the payment proxy server 340 together.

Next, the payment proxy server 340 transmits the order and payment information of the purchaser terminal 310 to the fulfillment server 350 (S330).

At this time, the order and payment information of the buyer terminal 310 is all or part of the order information received by the payment agency server 340 from the shopping mall server 330 in step S515 and the payment agency server 340 in step S330 is the buyer All or part of information related to payment received from the terminal 310 may be included.

Next, the payment proxy server 340 transmits the order and payment information of the buyer terminal 310 to the seller terminal 320 (S335).

At this time, the order and payment information transmitted by the payment agency server 340 to the seller terminal 320 may include some or all of the information transmitted to the fulfillment server 350 in step S330.

On the other hand, in this embodiment, after step S330 of the payment agency server 340 transmitting the order and payment information of the buyer terminal 310 to the fulfillment server 350 is performed, the order and payment information to the seller terminal 320 It has been described that step S335 of transmitting , but step S330 and step SS335 may be performed at the same time, or step S330 may be performed after step S335 is performed.

Next, the seller terminal 320 requests delivery of the product ordered by the buyer terminal 310 to the fulfillment server 350 (S540).

Next, the fulfillment server 350 deposits the selected payment into the account connected to the seller terminal 320 (S545) and sends the purchase product to the address connected to the buyer terminal 310 (S550).

As a result, product sellers' product sales price receivables related to the seller terminal 320 selling products through the shopping mall server 330 are first settled in advance, so that the product sellers can quickly collect the product sales price in the shopping mall. can

In addition, by settling the sales price at the time of product purchase, the seller's cash flow can be smoothed, contributing to the success of the business operator and at the same time contributing to the expansion of the e-commerce market.

Next, the purchaser terminal 310 transmits purchase confirmation information to the shopping mall server 330 (SS555), and the shopping mall server 330 transmits the purchase confirmation information received from the purchaser terminal 310 to the payment agency server 340. When delivered (S560), the payment agency server 340 transfers the payment for the product purchased through the purchaser terminal 310 to the fulfillment server 350 (S565).

The fulfillment server 350, which has received the payment from the payment agency server 340, deposits the non-settlement money excluding the pre-deposited payment to the account connected to the seller terminal 320 in step S545 among the payment received in step S565. Do (S570).

6 shows a settlement processing method of the fulfillment server 350 according to an embodiment of the present invention.

Referring to FIG. 6 , the fulfillment server 350 receives payment information of a product purchaser connected to the purchaser terminal 310 from the payment proxy server 340 (S610).

Next, the fulfillment server 350 receives a delivery request from the seller of the product purchased by the buyer (S620).

Next, the fulfillment server 350 determines the rating of the seller (S630).

At this time, the fulfillment server 350 determines a financial status and/or non-financial status level for the corresponding seller from among levels corresponding to the analysis result of the pre-set financial status and/or non-financial status.

In this case, the seller's rating may be determined based on at least one of the seller's credit rating, the seller's sales, the seller's operating profit, the seller's net profit, and the type of product sold.

Next, the fulfillment server 350 determines the pre-calculated amount for the seller (S640).

In this case, the pre-calculated amount may be determined by deducting a preset commission rate (eg, 5%) from the amount paid by the buyer as the pre-calculated amount.

In this case, the amount to be pre-calculated may be determined according to the seller's grade according to the pre-set pre-calculation ratio for each grade.

For example, the amount precalculated is 100% of the payment amount for 1st grade, 90% of the payment amount for 2nd grade, 80% of the payment amount for 3rd grade, 70% of the payment amount for 4th grade, 5 60% of payment amount for level 6, 50% of payment amount for level 6, 40% of payment amount for level 7, 30% of payment amount for level 8, 20% of payment amount for level 9, 10 In the case of a grade, it may be set to 10% of the payment amount.

In this case, the seller's rating may be determined based on at least one of the financial status and non-financial status of the seller.

For example, the seller's rating may be determined based on at least one of the seller's credit rating, the seller's sales, operating profit, net profit, and type of product sold.

In this case, the limit of the amount to be precalculated may also be determined according to the grade of the seller or the seller terminal according to the pre-set limit of precalculation for each grade. In this case, the seller's grade according to the pre-set pre-payment limit for each grade may be the same as the seller's grade according to the pre-set pre-payment ratio for each grade, or a different grade may be newly defined.

In this case, the limit of the pre-calculated amount may exist in units of a certain period, and when the pre-calculated amount is deposited to the seller, the deposited amount may be deducted within the limit of the pre-calculated amount within the certain period.

For example, the limit of the precalculated amount is 1 billion per month for grade 1, 500 million per month for grade 2, 2.5 billion per month for grade 3, and 100 million per month for grade 4. , 50 million won per month for grade 5, 25 million won per month for grade 6, 10 million won per month for grade 7, 5 million won per month for grade 8, 250 won per month for grade 9 It may be set to 10,000 won or the like.

At this time, the fulfillment server 350 may calculate the collateral ratio based on the inventory quantity of the seller's product for sale, and pre-calculate the pre-calculated amount within the total limit of the collateral ratio to the seller.

At this time, the fulfillment server 350 may calculate the collateral ratio based on the date the product for sale is received, the characteristics of the product, and the expiration date.

For example, the fulfillment server 350 may set the collateral ratio of the sold product to 10% of the actual value of the entire inventory when the expiration date of the sold product is less than one month from the current point in time.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 20% of the actual value of the entire inventory when the expiration date of the sold product is one month or more and less than two months from the current point in time.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 30% of the actual value of the entire inventory when the expiration date of the sold product is 2 months or more and less than 3 months from the current point in time.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 40% of the actual value of the entire inventory when the expiration date of the sold product is 3 months or more and less than 4 months from the current point in time.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 50% of the actual value of the entire inventory when the expiration date of the sold product is 4 months or more and less than 5 months from the current point in time.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 60% of the actual value of the entire inventory when the expiration date of the sold product is 5 months or more and less than 6 months from the current point in time.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 70% of the actual value of the entire inventory when the expiration date of the sold product is 6 months or more and less than 7 months from the current point in time.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 80% of the actual value of the entire inventory when the expiration date of the sold product is 7 months or more and less than 8 months from the current point in time.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 90% of the actual value of the entire inventory when the expiration date of the sold product is 8 months or more and less than 9 months from the current point in time.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 100% of the actual value of the entire inventory when the expiration date of the sold product is 9 months or more from the current point in time.

In addition, the fulfillment server 350 may calculate the depreciation of the inventory quantity based on the quantity sold for a certain period of time, the financial status of the seller, and monthly sales compared to the seller's inventory quantity.

For example, the fulfillment server 350 may set the collateral ratio of the sold product to 10% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 10%.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 10% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 10%.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 10% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 10%.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 10% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 10%.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 10% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 10%.

In addition, the fulfillment server 350 may set the collateral ratio of the sale product to 20% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 20%.

In addition, the fulfillment server 350 may set the collateral ratio of the sale product to 30% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 30%.

In addition, the fulfillment server 350 may set the collateral ratio of the sale product to 40% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 40%.

In addition, the fulfillment server 350 may set the collateral ratio of the sale product to 50% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 50%.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 60% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 60%.

In addition, the fulfillment server 350 may set the collateral ratio of the sale product to 70% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 70%.

In addition, the fulfillment server 350 may set the collateral ratio of the sales product to 80% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 80%.

In addition, the fulfillment server 350 may set the collateral ratio of the sale product to 90% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 90%.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 100% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is 90% or more.

Meanwhile, the fulfillment server 350 may periodically evaluate the collateral ratio for the seller's inventory. For example, a period in which the fulfillment server 350 evaluates the collateral ratio for the inventory of the seller may be a unit such as a week, a month, a quarter, a half year, or a year.

Next, the fulfillment server 350 deposits the pre-calculated amount into an account connected to the seller terminal 320 (S650).

Next, the fulfillment server 350 updates information on the selected payment in a database (not shown) and transmits it to the payment agency server 340 (S660).

Next, the fulfillment server 350 receives the purchaser's payment from the payment proxy server (S670).

Next, the fulfillment server 350 deposits unpaid money into an account connected to the seller terminal (680).

7 shows a settlement processing method of the fulfillment server 350 according to another embodiment of the present invention.

Referring to FIG. 7 , the fulfillment server 350 receives payment information of a product purchaser connected to the purchaser terminal 310 from the payment proxy server 340 (S710).

Next, the fulfillment server 350 determines the inventory quantity of the selling product of the seller and determines the collateral value (S720).

Next, the fulfillment server 350 receives a delivery request from the seller of the product purchased by the buyer (S730).

Next, the fulfillment server 350 determines the pre-calculated amount for the seller (S740).

In this case, the pre-calculated amount may be determined by deducting a preset commission rate (eg, 5%) from the amount paid by the buyer as the pre-calculated amount.

In this case, the limit of the pre-calculated amount may exist in units of a certain period, and when the pre-calculated amount is deposited to the seller, the deposited amount may be deducted within the limit of the pre-calculated amount within the certain period.

At this time, the fulfillment server 350 may calculate the collateral ratio based on the inventory quantity of the seller's product for sale, and pre-calculate the pre-calculated amount within the total limit of the collateral ratio to the seller.

At this time, the fulfillment server 350 may calculate the collateral ratio based on the date the product for sale is received, the characteristics of the product, and the expiration date.

For example, the fulfillment server 350 may set the collateral ratio of the sold product to 10% of the actual value of the entire inventory when the expiration date of the sold product is less than one month from the current point in time.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 20% of the actual value of the entire inventory when the expiration date of the sold product is one month or more and less than two months from the current point in time.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 30% of the actual value of the entire inventory when the expiration date of the sold product is 2 months or more and less than 3 months from the current point in time.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 40% of the actual value of the entire inventory when the expiration date of the sold product is 3 months or more and less than 4 months from the current point in time.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 50% of the actual value of the entire inventory when the expiration date of the sold product is 4 months or more and less than 5 months from the current point in time.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 60% of the actual value of the entire inventory when the expiration date of the sold product is 5 months or more and less than 6 months from the current point in time.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 70% of the actual value of the entire inventory when the expiration date of the sold product is 6 months or more and less than 7 months from the current point in time.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 80% of the actual value of the entire inventory when the expiration date of the sold product is 7 months or more and less than 8 months from the current point in time.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 90% of the actual value of the entire inventory when the expiration date of the sold product is 8 months or more and less than 9 months from the current point in time.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 100% of the actual value of the entire inventory when the expiration date of the sold product is 9 months or more from the current point in time.

In addition, the fulfillment server 350 may calculate the depreciation of the inventory quantity based on the quantity sold for a certain period of time, the financial status of the seller, and monthly sales compared to the seller's inventory quantity.

For example, the fulfillment server 350 may set the collateral ratio of the sold product to 10% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 10%.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 10% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 10%.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 10% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 10%.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 10% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 10%.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 10% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 10%.

In addition, the fulfillment server 350 may set the collateral ratio of the sale product to 20% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 20%.

In addition, the fulfillment server 350 may set the collateral ratio of the sale product to 30% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 30%.

In addition, the fulfillment server 350 may set the collateral ratio of the sale product to 40% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 40%.

In addition, the fulfillment server 350 may set the collateral ratio of the sale product to 50% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 50%.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 60% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 60%.

In addition, the fulfillment server 350 may set the collateral ratio of the sale product to 70% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 70%.

In addition, the fulfillment server 350 may set the collateral ratio of the sale product to 80% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 80%.

In addition, the fulfillment server 350 may set the collateral ratio of the sale product to 90% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is less than 90%.

In addition, the fulfillment server 350 may set the collateral ratio of the sold product to 100% of the actual value of the entire inventory when the seller's monthly sales compared to the inventory quantity is 90% or more.

Meanwhile, the fulfillment server 350 may periodically evaluate the collateral ratio for the seller's inventory. For example, a period in which the fulfillment server 350 evaluates the collateral ratio for the inventory of the seller may be a unit such as a week, a month, a quarter, a half year, or a year.

Next, the fulfillment server 350 deposits the pre-calculated amount into an account connected to the seller terminal 320 (S750).

Next, the fulfillment server 350 updates information on the selected payment in a database (not shown) and transmits it to the payment agency server 340 (S760).

Next, the fulfillment server 350 receives the purchaser's payment from the payment proxy server (S770).

Next, the fulfillment server 350 deposits unpaid money into an account connected to the seller terminal (780).

8 is a block diagram illustrating an example of a computer system according to an embodiment of the present invention.

Referring to FIG. 8 , an embodiment of the present invention may be implemented in a computer system such as a computer-readable recording medium. As shown in FIG. 8 , the computer system 800 includes a processor 810, a communication unit 830, and a memory 850, and the communication unit 830 communicates with an external device or server.

The processor 810 implements a settlement processing process and/or method in a fulfillment server that processes settlement for online shopping mall sellers proposed in this specification. Specifically, the processor 810 implements all operations of the fulfillment server described in the embodiments disclosed herein, and performs all operations of the disaster detection method according to FIGS. 6 to 7 .

For example, the processor 810 determines the seller's rating and determines the prepayment amount for the seller. In addition, the processor 810 updates information about the pre-deposited payment to the database. In addition, the processor 810 may determine the stock quantity of the product for sale and determine the collateral value. In addition, the processor 810 may deposit the pre-calculated amount into the account connected to the single seller terminal, receive the purchaser's payment from the payment agency server, and deposit the unsettled money into the account connected to the seller terminal.

The communication unit 830 is connected to the processor 810 and transmits and/or receives external device or external server information. For example, the communication unit 830 receives payment information of a product purchaser from a payment agency server. Also, the communication unit 830 may receive a delivery request from a seller of a product purchased by the buyer. Also, the communication unit 830 may transmit information about the selected payment to the payment agency server.

The memory 850 may be a volatile or non-volatile storage medium in various forms. At this time, the memory 850 may store at least one of payment information of the purchaser of the product, inventory quantity and collateral value of the product to be sold, pre-calculated amount, information on the purchaser's payment, and unsettlement information.

As described above, the fulfillment server and its operating method for processing settlement for online shopping mall sellers according to the present invention are not limited to the configuration and method of the embodiments described above, but the embodiments All or part of each embodiment may be selectively combined and configured so that various modifications can be made.

Claims (18)

In a fulfillment server that processes settlement for an online shopping mall seller,
Seller management unit for receiving identification information from the seller terminal associated with the seller;
a product management unit determining the inventory quantity of the sale product of the seller stored in a distribution center associated with the fulfillment server and determining a collateral value;
A payment information receiving unit for receiving payment information from a payment proxy server for the product of the seller for which the order and payment have been completed by the buyer; and
Settlement for processing all or part of the amount paid by the buyer to an account associated with the seller terminal based on the collateral value for the seller's product, for which the order and payment have been completed by the buyer, and the received payment information Management
Fulfillment server comprising a. The method of claim 1, wherein the settlement management unit
Fulfillment server, characterized in that for updating the information on the amount deposited to the account associated with the seller terminal in the database and transmitting to the payment agent server. The fulfillment server of claim 1, wherein the payment management unit transfers an amount obtained by deducting a preset commission rate from the amount paid by the purchaser to an account associated with the seller terminal. The method of claim 1, wherein the fulfillment server
Determine the limit of the amount of collateral for the inventory of the seller based on the seller's financial status or non-financial information based on the identification information of the seller terminal, and the amount paid by the buyer according to the limit of the collateral amount The pre-calculation limit determination unit that determines all or part of the pre-calculated amount as the pre-calculated amount
Fulfillment server further comprising a. According to claim 4,
Fulfillment server, characterized in that the limit of the collateral ratio is determined based on any one or more of a date and product characteristics of the sale product, a shelf life of the sale product, and sales information of the sale product. According to claim 4,
Wherein the pre-calculation limit determination unit determines whether to deposit all or part of the amount paid by the purchaser based on the limit of the collateral ratio. According to claim 4,
The pre-payment limit determining unit determines the seller's grade based on at least one of financial status or non-financial information about the seller, and the amount paid by the buyer based on a ratio of a predetermined amount for each grade of the seller. Fulfillment server, characterized in that for determining all or part of the pre-calculated amount. The method of claim 1, wherein the product management unit
Fulfillment server, characterized in that for receiving a delivery request from the seller terminal for the product of the seller for which the order and payment have been completed by the buyer. According to claim 6,
When payment information is received from the payment proxy server by the payment information receiving unit and a delivery request is received from the seller terminal by the product management unit,
The settlement management unit fulfillment server, characterized in that for processing the deposit to the account associated with the seller terminal for all or part of the amount paid by the buyer. In the settlement processing method for an online shopping mall seller of a fulfillment server,
Receiving payment information of a product purchaser from a payment agency server;
figuring out the stock quantity of the product purchased by the buyer and selling product of the seller and determining the collateral value;
Receiving a delivery request from a seller of a product purchased by the buyer;
determining a selection payment for the seller based on the collateral value for the product of the seller for which the order and payment have been completed by the buyer and the received payment information;
depositing a selection payment into an account connected to the seller terminal;
Receiving the purchaser's payment from the payment agency server; and
Depositing an amount obtained by subtracting the pre-determined payment deposited into an account connected to the seller terminal from among the buyer's payment received from the payment agency server into an account connected to the seller terminal
Settlement processing method comprising a. 11. The method of claim 10, wherein the settlement processing method
Updating information on the amount deposited into an account associated with the seller terminal in a database and transmitting it to a payment agency server
Settlement processing method characterized in that it further comprises. 11. The method of claim 10, wherein the step of determining the selection payment
Settlement processing method characterized in that for determining an amount obtained by deducting a preset commission rate from the amount paid by the purchaser as the selected payment. 11. The method of claim 10, wherein the step of determining the selection payment
Determining a limit of a collateral ratio for the inventory quantity of the seller based on the financial status or non-financial information of the seller based on the identification information of the seller terminal; and
Determining all or part of the amount paid by the buyer as the pre-calculated amount based on the limit of the collateral ratio
Settlement processing method characterized in that it further comprises. According to claim 13,
The settlement processing method, characterized in that the limit of the collateral ratio is determined based on any one or more of the date and product characteristics of the sale product, a shelf life of the sale product, and sales information of the sale product. According to claim 13,
The step of determining all or part of the amount paid by the buyer as the pre-calculated amount based on the limit of the collateral ratio is whether to deposit all or part of the amount paid by the buyer based on the limit of the collateral ratio. Settlement processing method characterized in that for determining whether or not. According to claim 13,
Determining the limit of the collateral ratio may include determining the seller's grade based on at least one of financial status or non-financial information about the seller, and determining the seller's grade based on a preset amount ratio for each seller's grade. Settlement processing method characterized in that all or part of the amount paid by is determined as the pre-calculated amount. 11. The method of claim 10, wherein the settlement processing method
Receiving a delivery request from a seller terminal for a product of the seller for which the order and payment have been completed by the buyer
Settlement processing method characterized in that it further comprises. According to claim 17,
In the step of depositing the selected payment, when payment information is received from the payment agency server and a delivery request is received from the seller terminal by the product management unit,
Settlement processing method characterized in that the deposit processing to the account associated with the seller terminal for all or part of the amount paid by the buyer.

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