KR101794221B1 - System and method for providing calculation of online sellers - Google Patents

Abstract

The present invention relates to a system and a method for a calculation service of an online seller. The system comprises: a collection part collecting sales status information and credit information of a seller; a rating determination part determining a seller rating based on the collected sales status information and credit information; and a settlement type determination part determining a calculation type according to the determined seller rating.

Description

TECHNICAL FIELD [0001] The present invention relates to a system and a method for a settlement service of an online merchant,

The present invention relates to a system and method for an online seller's settlement service, and more particularly, to a system for an online seller's settlement service that recommends a settlement product suitable for a seller based on sales status information and credit information of an online seller ≪ / RTI >

As the Internet becomes more popular, online sales agents of various types through the Internet are selling products in various sales methods. In recent years, open markets in which sellers sell products and settle sales prices from online sellers are popular. Each open market is subject to various payment methods of payment for sellers. However, if the goods have been delivered and the buyer has indicated that they are not willing to return or refund by confirming the purchase, It is common to apply the method of settlement of sales price to the seller after the day.

In the past, there was a method of selecting a sales price for an online merchant who paid the sales amount to the seller in advance and collected the sales price from the online sales point (open market) at a later settlement time.

However, this method has not been actively implemented by allowing various types of risks that can not be recovered from the prepaid amount to the seller, to the implementer of the settlement payment service. For example, if a seller pays a seller a sale, but the merchandise delivered to the buyer is a defective product or an illegal product, such as a counterfeit product, causes a problem with the criminal case, It is difficult to guarantee the amount.

In addition, we have not established a system to manage and proactively manage these risks for online selected services. We have set a limit based on the credit status of sellers, .

Prior Art 1: Korean Laid-Open Patent No. 2014-0125925 (Published Oct. 30, 2014)

SUMMARY OF THE INVENTION The present invention provides a system and method for an online merchant settlement service that enables a seller to receive a settlement service suitable for a seller based on sales status information and credit information of an online merchant, .

Another object of the present invention is to provide a system and method for an online seller's settlement service that enables an administrator to collect only desired information without executing a web browser.

Another object of the present invention is to provide a system and a method for an online seller's settlement service that can supply different products according to a financial company while minimizing the risk of a financial institution paying a settlement price.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention as claimed.

According to an aspect of the present invention, there is provided a billing system including a collection unit for collecting sales status information and credit information of a seller, a rating determination unit for determining a seller rating based on the collected sales status information and credit information, And a settlement type determining unit for determining a settlement type according to the determined seller rating.

The collecting unit transmits a data collection request signal including a corresponding site address (URL) and a collection condition to the corresponding site, and receives JSON (JavaScript Object Notation) data corresponding to the collection condition from the site .

The rating determiner may classify the JSON data as a character string, divide the JSON data into item data, calculate a seller rating score by applying a weight to the data for each item, and determine a seller rating based on the calculated seller rating score have.

The settlement type may be a selected mount or a loan.

The settlement type determination unit determines the settlement type based on the seller rating and the seller's scheduled amount, and determines a financial company that provides the determined settlement type service, and provides settlement product recommendation information including settlement type information and financial company information To the seller.

The service server may further include a settlement processing unit for requesting the financial institution of the settled commodity to settle the settlement commodity selection information when receiving the commodity selection information from the seller.

The service server includes a member information management unit for receiving and managing the seller information from the seller information database and the seller terminal, determining whether or not to approve the member, and storing and managing the seller information in the seller information database, .

According to another aspect of the present invention, there is provided a method for providing a settlement service of an online merchant by a service server, the method comprising the steps of: (a) collecting sales status information and credit information of a seller, (b) determining a seller rating based on the collected sales status information and credit information, (c) determining a settlement type according to the determined seller rating, and setting the settled product recommendation information including the determined settlement type To the seller terminal, the settlement service method of the online seller.

The step (a) may include receiving a request for recommendation of settlement product from the seller terminal, transmitting a data collection request signal including a site address (URL) and a collection condition of an online market or a credit rating company to the site And receiving JSON data corresponding to the collection condition from the site.

The step (b) may include analyzing the JSON data into a character string and separating the JSON data into item data, calculating a seller's evaluation score by applying a weight to data of each item, And determining a rating.

The step (c) includes the steps of: determining a settlement type based on the determined seller rating and the seller's scheduled settlement amount, determining a financial company providing the determined settlement type service, determining the settlement type information and the financial company information And sending the settled commodity recommendation information including the settled commodity recommendation information to the seller.

On the other hand, the 'settlement service method of on-line seller' described above can be recorded in a recording medium readable from an electronic device after being implemented in the form of a program, or distributed through a program download management device (server or the like).

According to the present invention, by recommending the settlement type suitable for the seller based on the sales status information and the credit information of the online merchant, the seller can receive the settlement service suitable for the seller.

In addition, by setting the collection conditions, the administrator can collect only the desired information without executing the web browser.

In addition, by determining the settlement type based on the sales status information and credit information of the online merchant, and selecting the financial company capable of providing the settlement type service, the risk of the financial company paying the settlement amount is minimized, Other products can be supplied.

The effects of the present invention are not limited to the above-mentioned effects, and various effects can be included within the scope of what is well known to a person skilled in the art from the following description.

1 is a diagram illustrating a system for settlement service of an online merchant according to the present invention.
2 is a block diagram schematically showing a configuration of a service server according to the present invention.
3 is a flowchart illustrating a method for an online seller's payout settlement service according to the present invention.

The foregoing and other objects, features, and advantages of the present invention will become more apparent from the following detailed description taken in conjunction with the accompanying drawings, in which: FIG.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a system and method for an online seller's settlement service according to the present invention will be described in detail with reference to the accompanying drawings. The embodiments are provided so that those skilled in the art can easily understand the technical spirit of the present invention, and thus the present invention is not limited thereto. In addition, the matters described in the attached drawings may be different from those actually implemented by the schematic drawings to easily describe the embodiments of the present invention.

In the meantime, each constituent unit described below is only an example for implementing the present invention. Thus, in other implementations of the present invention, other components may be used without departing from the spirit and scope of the present invention. In addition, each component may be implemented solely by hardware or software configuration, but may be implemented by a combination of various hardware and software configurations performing the same function. Also, two or more components may be implemented together by one hardware or software.

Also, the expression " comprising " is intended to merely denote that such elements are present as an expression of " open ", and should not be understood to exclude additional elements.

1 is a diagram illustrating a system for settlement service of an online merchant according to the present invention.

1, a system for an online seller's settlement service includes a seller terminal 100, a service server 200, an online market server 300, and a credit rating server 400, which are connected through a communication network .

The seller terminal 100 transmits a settlement product recommendation request signal to the service server 200 and receives settlement product recommendation information from the service server 200. [ Here, the settlement product recommendation request signal may include the seller identification information, the scheduled settlement amount, and the settlement product recommendation information may include the settlement type, the period, the amount, the financial company, the interest rate, the overdue addition fee, Types can include selected mountains, loans, and so on. The settlement method is a method in which the sales price to be settled in the online market is provided to the seller in advance and is collected at the time of receiving the payment from the online market. The selected loan is a method of receiving a certain percentage of the selling price and receiving the commission. The loan may be a method of sending the loan to the account of the seller based on the sales price and grade, and receiving the interest on the transferred loan. In addition, there is no limit on the amount of money to be paid, and there is a method in which a commission is generated based on a selling price, a loan is limited, and a loan amount is determined based on a selling price.

The seller terminal 100 selects a desired settled commodity from the settled commodity recommendation information received from the service server 200 and transmits the selected settled commodity to the service server 200. [

The seller terminal 100 may include various terminals such as a personal computer (PC), a notebook computer, a mobile phone, a PDA, a PMP, a smart phone, and the like, .

The service server 200 collects sales status information and credit information of the seller when the settlement product recommendation request signal is received from the seller terminal 100, determines the seller rating based on the collected sales status information and credit information, And transmits the settled product recommendation information including the settlement type according to the determined seller rating to the seller terminal 100. Here, the sales status information may include all types of information related to sales of products such as sales information by online market, seller rating by online market, and buyer evaluation by online market. The sales information includes a sales amount, a return rate, a sales change rate, a partner rating, a negative cache occurrence, a product unit price, and a buyer evaluation may include a reason for return, an exchange reason, and a product review. The credit information may include corporate credit rating, personal credit rating, rating change, delinquency information, loan information, occurrence of circumstance, whether it is closed or not.

That is, when receiving the settlement product recommendation request signal from the seller terminal 100, the service server 200 collects the sales status information of the seller from each online market server 300, Respectively. At this time, the service server 200 may collect only information on the pre-defined sales evaluation items, credit evaluation items, and other evaluation items for recommendation of settlement products. Thereafter, the service server 200 calculates a seller's evaluation score by applying a weight differently set according to each item of the collected sales situation information and credit information, and determines the seller rating based on the calculated seller's evaluation score. The service server 200 determines the settlement type according to the seller's rating and provides a settlement product recommendation including a financial company providing the service corresponding to the settlement type, period, possible amount, period, amount, interest rate, And transmits the information to the seller terminal.

The online market server 300 provides a seller registration process, a process of allowing the registered seller to register and sell the product, a settlement process process of the sales price, and the seller registers the product as a seller member This includes an open market that pays a fee for this. The online market server 300 may include, for example, 11th Avenue, Auction, ebay, and the like.

The credit evaluator server 400 may be a device provided in a company that evaluates credits of a seller, an enterprise, and the like.

With such a configuration, the system for the settlement service of the online merchant according to the present invention enables the online seller to receive an appropriate settlement service based on the settlement price sold in the online market, and to provide the risk to the financial institution paying the settlement price While minimizing the supply of different products according to financial companies.

2 is a block diagram schematically showing a configuration of a service server according to the present invention.

2, the service server 200 includes a communication unit 210, a database 220, a member information management unit 230, a collection unit 240, a rating determination unit 250, and a settlement type determination unit 260 .

The communication unit 210 is connected to a seller terminal, an online market server, and a credit rating company server through a communication network such as a wired communication network, a wireless communication network, and a mobile communication network to transmit and receive data.

The database 220 stores seller information, financial company information, and the like, and includes a seller information database and a financial company information database.

The seller information stored in the seller information database includes various types of information for distinguishing a plurality of sellers such as a business name, representative name, business number, capital, telephone number, address, account information, credit rating, sales product information, .

The financial institution information stored in the financial institution information database stores the financial mission name, settlement type that can be serviced, and the like. Each financial institution has information about the types of settlement that can be made, such as settlement type, settlement period, loan period, online market, etc.

Here, the database 220 is shown as being included in the service server 200, but the database 220 may exist outside the service server 200.

The member information management unit 230 receives the seller information from the communication unit 210, determines whether or not the member is approved, and assigns an identification code to each of the authorized sellers to store and manage the seller information in the seller information database. At this time, the member information management unit 230 can create the category using the seller information, and then can distinguish the seller members by category. For example, categories can be created for each like product, range of capital, and credit rating respectively.

Also, the member information management unit 230 receives the financial company information through the communication unit 210, and can store and manage the financial company information in the financial company information database.

The collecting unit 240 collects the sales status information and the credit information of the seller when the settlement product recommendation request signal is received through the communication unit 210. [ Here, the settlement product recommendation request signal may include the seller identification information, the amount to be settled, and the like.

That is, the collecting unit 240 transmits a data collection request signal including an address (URL) and a collection condition of an online market or a credit evaluator to a corresponding server, and receives a JSON (JSON, JavaScript Object Notation) data.

The collecting unit 240 allocates a channel for each market according to a time through a scheduler program whose collection time is determined, and starts a data collection service when the collected time is reached. When the service is started, the collecting unit 240 transmits a prescribed request parameter requesting data to the allocated market HTTP server and receives a response packet defined by JSON. Then, the collection unit 240 parses the received response packet, extracts data corresponding to the collection condition, and stores the extracted data in the database. Then, the collection is completed and the data collection service (Data Collection Service) is terminated.

At this time, the collecting unit 240 may set pre-defined sales evaluation items, credit evaluation items, and other evaluation items as collection conditions, and collect Jason data corresponding to these collection conditions. Here, the sales evaluation item may include a sales change rate, a return rate, a sales grade, a partner grade, a customer satisfaction seller, a minus cache occurrence, a cumulative number of over 13 days, and an overtime processing period of 13 days for each online market. Credit rating items may include personal credit rating, monthly rate change, loan repayment, savings bank loan, card loan, cash service, delinquency, public information delinquency, delinquency period etc. . Other evaluation items may include name of representative, name of business, change of account, occurrence of withdrawal, period of service use, period of business, and the like.

By setting the collection conditions as described above, it is possible to collect Jason data corresponding to the collection conditions without executing the web browser. Therefore, it is not necessary to redevelop the target web HTML when the target web HTML is changed because the data is transmitted and received regardless of the change of the web HTML.

For example, if the URL is http://www.11st.co.kr, the collection condition is the seller rating, the buyer evaluation, the sales amount, the return rate, and the sales variation rate, .com collects information on seller ratings, buyer evaluation, sales, return rate, and sales change in JSON format.

Also, the collecting unit 240 may collect sales status information and credit information of the seller member at a real time or a set period regardless of the request for settlement type recommendation from the seller member.

The rating determining unit 250 determines the seller rating based on the sales status information and the credit information collected by the collecting unit 240.

The rating determiner 250 variably calculates an evaluation score for each seller member by applying a preset mathematical expression or algorithm to the sales status information and credit information, and determines the seller rating based on the calculated evaluation score.

The JSON data is composed of an item and a value. For example, {"id", "323"} in JSON data has an item "id" and a value "323". Accordingly, the classification unit 250 analyzes the JSON data into a character string, separates the data into item data, and applies a weight to the data for each item to calculate the seller's evaluation score.

The weight for each item can be set in advance as shown in Tables 1 and 2, for example. Table 1 is an example of subdividing the weights by sales evaluation items, and can be adjusted by the system administrator, such as dividing the weighting points differently according to the online market. Table 2 is an example of subdividing the weights by credit rating items, which can be adjusted by the system administrator, such as by differentiating the weighting points according to the credit rating agencies.

For example, if the JSON data collected from seller A's online marketplace is as follows, a method for calculating the seller's score will be described.

{

     "Sales": "180,000", "

     "Return rate": "0.4%",

     "Sales grade": "1",

     "Partner rating": "1",

  }

The rating determining unit 250 determines that the weighted value is 20 when the sales is 180,000, the weight is 20 when the return rate is 0.4%, the weight is 50 when the sales grade is 1, And obtains the set weight value 30, respectively. Then, the rating determining unit 250 may calculate the seller's evaluation score '300' by summing the obtained weights.

In this example, the seller's evaluation score is calculated using only the data collected from one online market. However, when the data collected from plural online markets are used, the seller's evaluation score is calculated using the weight table set for each online market Can be calculated. At this time, it is also possible to calculate seller's evaluation score by setting a different score for each online market. Also, when the sales status information and the credit information are collected, the seller's evaluation score can be calculated by summing the weights as in the above example.

When the seller's evaluation score is calculated, the rating determiner 250 can assign seller ratings such as first, second, and third grades according to the calculated seller's evaluation score. The seller rating can be classified into 1, 2, or 3 according to the seller's rating, and can be subdivided into more ratings according to the system setting, or can be displayed using a different display system.

The settlement type determination unit 260 determines the settlement type according to the seller rating determined in the rating determination unit 250, and informs the seller of the determined settlement type. The settlement type includes the selected loans, etc., and includes the settlement period and the allowable amount when the settlement type is selected. If the settlement type is a loan, the loan period, loanable amount, loan interest rate, . ≪ / RTI > For example, the settlement type can be determined in the form of a selected grade when the seller grade is 1 grade, or a loan when the grade is 2 grade. In addition, the settlement type can be set to 15 days, 30 days, 45 days, etc., and the loan period can be fixed for loans.

In addition, the settlement type determination unit 260 can determine the settlement type according to the seller rating and the amount to be settled. For example, if the seller grade is 1 grade, the scheduled amount is over 10 million won, the selected grade, the seller grade is 2 grade, and the planned amount is 10 million won or less.

In addition, the settlement type determination unit 260 can determine a financial institution capable of providing the settlement service based on the settlement type and the amount to be settled. In other words, the settlement type determination unit 260 can determine a financial company that can provide the service based on the financial company information since the settlement type, the period, and the amount of money that are available for each financial company are stored in the financial company information database. For example, bank A: selected 6 months for less than 1 million won, bank B: selected 1 million to less than 1.5 million won, bank C: loan for 3 months 2 million won or more, financial company information is stored, A seller's settlement type is selected And the amount to be settled is 1,200,000 won, the settlement type determination unit 260 may recommend the bank B to the seller A.

In addition, the settlement type determination unit 260 queries each financial institution whether the settlement is possible including the seller information, the settlement type, and the amount to be settled, and transmits the settlement type to the financial institution capable of providing the service .

As described above, the settlement type determination unit 260 determines the settlement type based on the seller rating and the amount to be settled, and transmits the settled item recommendation information including the determined settlement type and the financial company providing the settlement type service to the seller do. The settlement product recommendation information may include settlement type, period, amount, financial company, interest rate, overdue addition fee.

By determining the financial institution that pays the settlement price based on the sales information of the seller and the credit information, it is possible to supply different settlement products according to the financial company while minimizing the risk of the financial company paying the settlement price.

The service server 200 configured as described above may further include a settlement processing unit 270 for requesting the financial institution of the settlement commodity to settle the settlement commodity when receiving the commodity selection information from the seller. The financial institution that receives the settlement request can settle the sales price of the seller in the manner of the selected mountain or loan to the seller. The financial company can minimize the risk by processing the sales proceeds in the form of settlement desired by the financial institution.

The membership information managing unit 230, the collecting unit 240, the class determining unit 250, the settlement type determining unit 260, and the settlement processing unit 270 are each managed by a processor, etc., Can be implemented. The membership information managing unit 230, the collecting unit 240, the rating determining unit 250, the settlement type determining unit 260, and the settlement processing unit 270 may be implemented by physically independent configurations, Or may be implemented in a functionally distinct form within the processor.

The control unit 280 includes a communication unit 210, a database 220, a member information management unit 230, a collection unit 240, a rating determination unit 250, a settlement type determination unit 260, and a settlement processing unit 270 And controls the operation of the various components of the service server 200.

The control unit 280 may include at least one computing device, which may be a general purpose central processing unit (CPU), programmable device elements (CPLDs, FPGAs) that are suitably implemented for a particular purpose, Device (ASIC) or a microcontroller chip.

3 is a flowchart illustrating a method for an online seller's payout settlement service according to the present invention.

Referring to FIG. 3, the service server receives the settlement product recommendation request signal (S302), and collects the sales status information and credit information of the seller (S304). That is, the service analyzes the commodity recommendation request signal, extracts the seller identification information and the amount to be settled, collects the sales status information of the seller by accessing each online market server, accesses the credit evaluation server, Lt; / RTI >

Then, the service server determines the seller rating based on the collected sales status information and credit information (S306). That is, the service server calculates the seller's evaluation score by applying a weight differently set according to each item of the collected sales status information and credit information, and determines the seller rating based on the calculated seller's evaluation score.

Then, the service server determines the settlement type according to the seller rating (S308). The determined settlement type is notified to the seller (S310). At this time, the service server can determine a financial institution capable of providing the settlement service based on the settlement type and the amount to be settled, and can transmit the settlement product recommendation information including the settlement type, the amount to be settled, and the financial company to the seller.

On the other hand, the method for the settlement service of the online merchant can be written as a program, and the codes and code segments constituting the program can be easily deduced by programmers in the field. In addition, a program for a method for an online merchant's settlement service can be stored in an information storage medium (Readable Media) that can be read by an electronic device, and can be read and executed by an electronic device.

Thus, those skilled in the art will appreciate that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. It is therefore to be understood that the above-described embodiments are illustrative only and not restrictive of the scope of the invention. It is also to be understood that the flow charts shown in the figures are merely the sequential steps illustrated in order to achieve the most desirable results in practicing the present invention and that other additional steps may be provided or some steps may be deleted .

The technical features and implementations described herein may be implemented in digital electronic circuitry, or may be implemented in computer software, firmware, or hardware, including the structures described herein, and structural equivalents thereof, . Also, implementations that implement the technical features described herein may be implemented as computer program products, that is, modules relating to computer program instructions encoded on a program storage medium of the type for execution by, or for controlling, the operation of the processing system .

In the present specification, the term "system" includes all apparatuses, devices, and machines for processing data, including, for example, a processor, a computer or a multiprocessor or a computer. The processing system may include any code that, in addition to the hardware, forms an execution environment for a computer program upon request, such as, for example, code that constitutes processor firmware, a protocol stack, a database management system, an operating system, can do. A computer program, known as a program, software, software application, script or code, may be written in any form of programming language, including compiled or interpreted language or a priori, procedural language, Routines, or other units suitable for use in a computer environment.

Configurations implementing the technical features of the present invention, which are included in the blocks and flowcharts shown in the drawings attached hereto, refer to the logical boundaries between the configurations. However, according to an embodiment of the software or hardware, the depicted arrangements and their functions may be implemented in the form of a stand alone software module, a monolithic software structure, a code, a service and a combination thereof and may execute stored program code, All such embodiments are to be regarded as being within the scope of the present invention since they can be stored in a medium executable on a computer having a processor and their functions can be implemented.

Accordingly, the appended drawings and the description thereof illustrate the technical features of the present invention, but should not be inferred unless a specific arrangement of software for implementing such technical features is explicitly mentioned. That is, various embodiments described above may exist, and some embodiments may be modified while retaining the same technical features as those of the present invention, and these should also be considered to be within the scope of the present invention.

It should also be understood that although the flowcharts depict the operations in the drawings in a particular order, they are shown for the sake of obtaining the most desirable results, and such operations must necessarily be performed in the specific order or sequential order shown, Should not be construed as being. In certain cases, multitasking and parallel processing may be advantageous. In addition, the separation of the various system components of the above-described embodiments should not be understood as requiring such separation in all embodiments, and the described program components and systems are generally integrated into a single software product, It can be packaged.

As such, the specification is not intended to limit the invention to the precise form disclosed. While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is evident that many alternatives, modifications, and variations will be apparent to those skilled in the art without departing from the spirit and scope of the present invention as defined by the appended claims. It is possible to apply a deformation. The scope of the present invention is defined by the appended claims rather than the foregoing description, and all changes or modifications derived from the meaning and scope of the claims and equivalents thereof are deemed to be included in the scope of the present invention. .

100: Seller Tamar 200: Service server
210: communication unit 220:
230: Member information management unit 240: Collection unit
250: rating determination unit 260: settlement type determination unit
300: Online Market Server 400: Credit Rating Server

Claims (11)

A collection unit for collecting sales status information and credit information of the seller;
A rating determination unit for determining a seller rating based on the collected sales status information and credit information; And
And a settlement type determining unit for determining a settlement type according to the determined seller rating,
The collecting unit sets a pre-defined sales evaluation item, a credit evaluation item, and other evaluation items as a collection condition, and transmits a data collection request signal including the set collection condition and a corresponding site address (URL) And receives JSON (JavaScript Object Notation) data corresponding to the collection condition from the site,
The rating determining unit interprets the JSON data as a character string, separates the JSON data into the previously defined sales evaluation item, the credit evaluation item, and other evaluation item data, and stores the separated sales evaluation item, the credit evaluation item, and other evaluation item data The seller rating score is calculated by applying each weight to the seller rating, the seller rating is further determined based on the calculated seller rating score,
The sales evaluation item includes a sales change rate, a return rate, a sales grade, a partner grade, a customer satisfaction seller, a negative cache generation, a cumulative number of over 13 days, and an overtime processing period of 13 days for each online market, Including credit rating, monthly rate change, loan repayment, savings bank loan, card loan, cash advance, delinquency, public information delinquency, and delinquency period,
Wherein the other evaluation items include a representative name, a business name, an account change, a withdrawal occurrence, a service use period, and a business period,
Wherein,
Transmitting the data collection request signal to a plurality of sites and receiving JSON data corresponding to the collection condition from the plurality of sites,
Wherein,
Further subdividing a weighting point applied to the sales evaluation item differently for each online market corresponding to the plurality of sites and further subdividing a weighting point applied to the credit evaluation item for each credit evaluator corresponding to the plurality of sites,
Service server for settlement service of online merchant. delete delete The method according to claim 1,
Wherein the settlement type is set to a predetermined price or a loan and the period is set differently.
The method according to claim 1,
The settlement type determination unit determines the settlement type based on the seller rating and the seller's scheduled amount, and determines a financial company that provides the determined settlement type service, and provides settlement product recommendation information including settlement type information and financial company information To the merchant, and transmits the service to the seller.
6. The method of claim 5,
Further comprising a settlement processing unit for requesting a financial institution of the settlement commodity to settle the settlement commodity when receiving the commodity selection information from the seller.
The method according to claim 1,
Seller information database; And
And a member information management unit for storing and managing the seller information in the seller information database by determining whether the member is approved by receiving the seller information from the seller terminal and giving an identification code for each seller approved by the member, Service server for.
A method for providing a settlement service of an online merchant by a service server,
(a) collecting sales status information and credit information of a seller when receiving a request for a settlement product recommendation from a seller terminal;
(b) determining a seller rating based on the collected sales status information and credit information; And
(c) determining a settlement type according to the determined seller rating, and transmitting the settled product recommendation information including the determined settlement type to the seller terminal,
The step (a)
Receiving a settlement product recommendation request from the seller terminal;
Setting a predefined sales evaluation item, a credit evaluation item, and other evaluation items as collection conditions, and transmitting a data collection request signal including the set collection condition and a corresponding site address (URL) to the site; And
Receiving JSON data corresponding to the collection condition from the site,
The step (b)
Interpreting the JSON data as a character string and separating the JSON data into the predefined sales evaluation items, credit evaluation items, and other evaluation item data;
Calculating a seller's evaluation score by applying each weight to the separated sales evaluation item, the credit evaluation item, and the data of each other evaluation item; And
And further determining a seller rating based on the calculated seller rating score,
The sales evaluation item includes a sales change rate, a return rate, a sales grade, a partner grade, a customer satisfaction seller, a negative cache generation, an accumulated number of over 13 days, and an overtime processing period of 13 days for each online market,
The above credit rating items include credit rating, credit rating change, loan repayment, savings bank loan, card loan, cash service, delinquency, delinquency, and delinquency and,
These other items of evaluation include, but are not limited to, representative name, business name, account change, withdrawal occurrence, service use period, In a settlement service method of an online merchant,
The transmitting step and the receiving step of step (a)
Transmitting the data collection request signal to a plurality of sites and receiving JSON data corresponding to the collection condition from the plurality of sites;
Further comprising:
The calculating of the step (b)
Subdividing a weighting point applied to the sales evaluation item differently for each online market corresponding to the plurality of sites and further subdividing a weighting point applied to the credit evaluation item for each credit evaluator corresponding to the plurality of sites;
≪ / RTI >
How to settle the online seller.
delete delete 9. The method of claim 8,
The step (c)
Determining a settlement type based on the determined seller rating and the seller's scheduled amount of money;
Determining a financial institution providing the determined settlement type service;
Settlement type recommendation information including settlement type information and financial company information to the seller.

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