KR102180829B1 - Seller loan service system and Method thereof - Google Patents

Abstract

A Celeron service method of a Celeron service system connected to at least one seller terminal and at least one market terminal through a network is disclosed. The present invention comprises the steps of: a server making a total limit agreement for a loan with a market terminal; The server performing a limit agreement and transfer of bonds with the seller terminal; Receiving sales information from the market terminal after payment is made after the consumer makes a purchase in the market; Executing, by a server, a loan by selecting the seller terminal; Depositing the settlement money from the market terminal to the server or a deposit account of the server after a predetermined period has elapsed; The server repays the loan with the settlement amount and deposits the remaining amount to the account designated by the seller, and sells the goods of the vendor member according to the loan request of the seller members who sold the goods through the online shopping mall. It is possible to lend a predetermined amount in response to the current status and the amount expected to be settled between the online shopping mall, and automatically calculate the available loan amount through the review process of correction, and perform the loan.

Description

Celeron service system and method thereof

The present invention relates to a Celeron service system and method. In more detail, after registering as a sales member of the affiliated market and selecting the sales amount (unsettled amount after delivery) to sellers who are selling goods, the loan is automatically paid after payment of the settlement amount from the market. It relates to a system and method for reimbursing Celeron service.

In general, in connection with online shopping, the online shopping mall market is rapidly growing due to the development of technologies such as sales registration, management, payment, and advertisement of goods and online shopping related contents.

Accordingly, many vendors who want to sell products through large online shopping malls are competitively entering stores, and the online shopping mall operator provides sales information sold to customers through the online shopping mall to the corresponding vendor, and the vendor By receiving information sold through an online shopping mall, sales details such as sales amount are checked.

1 is a block diagram of a general online shopping mall. A vendor member 10 who stores a product in an online shopping mall and performs sales registration, and a product registered and sold by the vendor member 10 is a homepage of an online shopping mall site. The online shopping mall 20 and the online shopping mall 20 that post and sell the product and settle the sales result as the consumer 30 orders and pays for the product posted on the homepage and transfer money to the registered settlement account 11 of the vendor member 10 , It is composed of an electronic book database (Back Office DB) 21 of the online shopping mall that registers the sales status and payment information of the online shopping mall 20 and provides the corresponding information to the vendor member 10.

In this way, as the product registered for entry and sale by the vendor member 10 is sold through the online shopping mall 20, the online shopping mall 20 delivers the product to the consumer 30 through a confirmation procedure to complete the sale. If so, the amount is determined and transferred to the vendor member's settlement account 11 7 to 60 days after sale or on a specified date every month.

This is determined according to the contract of each online shopping mall 20 and the vendor member ([0006] 10).

On the other hand, the vendor member 10 logs in to the electronic book DB 21 so that the vendor member 10 can check the sales status of the registered product and the consumer's payment information. That is, the electronic ledger DB 21 includes the vendor member 10 in its own terminal through the electronic ledger (Back Office) screen, the delivery quantity of the currently registered goods, the sales quantity, the consumer's payment status, the total payment amount, It is provided in detail, such as the scheduled remittance date of the online shopping mall 20.

As confirmed on the electronic ledger screen, the vendor member 10 receives the deposit to the settlement account 11 registered on the scheduled remittance date, but the contract contents set when entering the store between the vendor member 10 and the online shopping mall 20 Accordingly, the amount of a certain rate is deducted from the sales amount and then remitted to the vendor member.

However, as the vendor member 10 takes several days or months from the date of sale to receive the remittance of the sales amount from the large online shopping mall 20, the small and medium vendor members 10 suffer a lot of difficulties due to lack of cash liquidity. There is this.

Eventually, vendor members 10 sell a lot of goods through online shopping malls, and even if it is clear that the sales amount will be deposited into the settlement account 11 on a specified date due to increased sales, small and medium-sized vendor members with low creditworthiness (10) In the case of ), there was a problem in that it was difficult to obtain a loan or transfer cash as collateral.

The technical task to be achieved by the present invention is to improve the conventional inconvenience, and respond to the sales status of the product of the vendor member and the expected settlement amount between the online shopping mall in response to the loan request of the seller members who sold the product through the online shopping mall. Thus, it is to provide a Celeron service system and method that loans a predetermined amount, automatically calculates the loanable amount through a review process of correction, and performs a loan.

In addition, the technical problem to be achieved by the present invention is to improve the conventional inconvenience, and a Celeron service system and method that enables seller members to increase sales and generate additional profits through securing smooth inventory by early securing cash flow. Is to provide.

In addition, the technical task to be achieved by the present invention is to improve the conventional inconvenience, and all the lending processes are handled through the settlement platform, so that the accessibility and convenience of sellers are expanded, and finance with structured products and standardized pricing It is to provide a Celeron service system and method with reduced cost.

In addition, the technical task to be achieved by the present invention is to improve the conventional inconvenience, and from the standpoint of the market, it is possible to maximize sales and generate additional profits by shortening the sales cycle of sellers, and to support shared growth with small businesses. It is to provide a Celeron service system and method that can be enhanced and scaled up.

Celeron service method according to the features of the present invention for solving these problems,

A Celeron service method of a Celeron service system connected to at least one seller terminal and at least one market terminal through a network,

The server making a total limit agreement for the loan with the market terminal;

The server performing a limit agreement and transfer of bonds with the seller terminal;

Receiving sales information from the market terminal after payment is made after the consumer makes a purchase in the market;

Executing, by a server, a loan by selecting the seller terminal;

Depositing the settlement money from the market terminal to the server or a deposit account of the server after a predetermined period has elapsed;

And processing, by the server, repaying the loan with the settlement amount and depositing the remaining amount into an account designated by the seller.

In the above method,

The step of the server performing a limit agreement and transfer of bonds with the seller terminal,

The server authenticating the seller terminal;

Upon completion of the authentication, determining whether the server is an individual business entity or a corporate business entity;

In the case of a private business, determining, by the server, whether to subscribe to Internet banking;

In the case of non-subscription, performing a preliminary examination by the server;

In case of passing the pre-examination, the server notifying the seller terminal of the result of the pre-examination, and guiding a deposit/withdrawal account registration;

If the preliminary examination is not passed, the server notifying the seller terminal of a reason for rejection;

In the case of a corporate business, determining, by the server, whether to subscribe to Internet banking;

In the case of non-subscription, guiding the server to subscribe to a deposit/withdrawal account;

In the case of a pre-registration, the seller terminal logging in to the server for Internet banking with a public certificate;

The server performing a contract review;

If the agreement examination is passed, the server completing the agreement and the agreement;

Requesting, by the server, approval from the market terminal;

And if the market terminal approves, transmitting, by the server, a message notifying that the selection calculation is available to the seller terminal.

Transmitting, by the server, a reason for rejection to the seller terminal when the agreement examination is not passed;

If the market terminal is not approved, the server further comprises the step of transmitting the rejection reason to the seller terminal.

In the above method,

The step of the server performing the preliminary examination,

Receiving, by the server, seller information from the seller terminal

Receiving, by the server, consent to an information provision agreement from the seller terminal;

A step in which the server always performs a mobile phone identification procedure;

Applying by the seller terminal for preliminary examination;

And performing, by the server, pre-examination using the market's examination API.

In the above method,

The step of examining the agreement by the server,

Receiving, by the server, seller information from the seller terminal

Receiving, by the server, consent to an information provision agreement from the seller terminal;

Applying, by the seller terminal, for a limit agreement examination;

Performing, by the server, a contract review using a market review API;

And when the contract review is passed, the server receives the contract amount and selects a settlement account.

In the above method,

In the case of passing the agreement review, the step of the server completing the agreement and completing the agreement,

Reading, by the server, a bond transfer contract and a contract when it passes the contract review;

Receiving, by the server, the contents of the bond transfer contract and the contract from the seller terminal;

Receiving, by the server, a security medium password from the seller terminal and receiving a certificate signature;

And issuing, by the server, a contracted virtual account.

In the above method,

The step of executing the loan by the server making a selection calculation to the seller terminal,

Logging in to the server by the seller terminal with a public certificate;

Inquiring, by the server, the seller's bond according to the selection of the seller terminal;

Receiving, by the server, an application amount by receiving a selected bond from the seller terminal;

Receiving, by the server, consent to confirm information and sign a public certificate from the seller terminal;

Performing, by the server, a selection calculation;

In the case of passing the selection calculation examination, the server generates a loan account for execution of the selection calculation and deposits it into the settlement account.

In the above method,

The step of repaying the loan with the settlement amount by the server and depositing the remaining amount into an account designated by the seller,

The step of collecting, by the server, into an account of a sub-store name when deposits are made from the market to the seller's virtual account before the bond maturity date;

The step of confirming, by the server, a repayment of the selected mountain;

If the redemption amount satisfies the selection calculation, the server repaying the selection calculation in full;

The server performing a loan repayment process and depositing the remaining amount into a settlement account of the seller;

If the repayment amount does not satisfy the selection calculation amount, the server further comprises repaying a portion of the selection calculation amount and notifying the seller terminal about repayment of the shortfall.

Celeron service system according to the features of the present invention for solving these problems,

A Celeron service system connected to at least one seller terminal and at least one market terminal through a network,

A database unit for storing market information, seller information, loan information, and repayment information;

A total limit agreement is made for the loan with the market terminal, and after payment is made after the consumer makes a purchase in the market, the sales information is transmitted from the market terminal, and the loan is executed by selecting and calculating the seller terminal for a predetermined period. After elapsed, when the settlement money is deposited from the market terminal to the server or the deposit account of the server, the server includes a server that performs a loan repayment process with the settlement money,

The server executes the method.

In an embodiment of the present invention, in response to a loan request from seller members who have sold goods through an online shopping mall, a predetermined amount is loaned in response to the product sales status of the vendor member and the estimated settlement amount between the online shopping mall, and the review process of correction Through this, it is possible to provide a Celeron service system and method that automatically calculates the available loan amount and performs a loan.

In addition, according to an embodiment of the present invention, it is possible to provide a Celeron service system and method that enables a seller member to increase sales and generate additional profits through securing a smooth inventory through early securing of cash flow.

In addition, in the embodiment of the present invention, all the lending processes are processed through the settlement platform, so that accessibility and convenience of sellers are expanded, and financial costs are reduced through structured products and standardized pricing. can do.

In addition, in an embodiment of the present invention, from the standpoint of the market, it is possible to maximize sales and generate additional profits by shortening the sales cycle of sellers, and to enhance the market image and expand the scale by supporting shared growth with small businesses. Can provide.

1 is a block diagram of a Celeron service system according to an embodiment of the present invention.
2 to 7 are operational flowcharts of a Celeron service method according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art can easily implement the embodiments of the present invention. However, the present invention may be implemented in various different forms and is not limited to the embodiments described herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and similar reference numerals are assigned to similar parts throughout the specification.

Throughout the specification, when a part "includes" a certain component, it means that other components may be further included rather than excluding other components unless otherwise stated.

1 is a block diagram of a Celeron service system according to an embodiment of the present invention.

1, a Celeron service system according to an embodiment of the present invention,

As a Celeron service system 100 connected to at least one seller terminal 300 and at least one market terminal 200 through a network network 400,

A database unit 120 for storing market information, seller information, loan information, and repayment information;

A total limit agreement is made for the loan with the market terminal 200, and after payment is made after the consumer makes a purchase in the market, sales information is transmitted from the market terminal 200 and selected as the seller terminal 300. And a server 110 that executes a loan by performing a loan, and when the settlement money is deposited from the market terminal 200 to the server or a deposit account of the server after a predetermined period of time, the server performs a loan repayment process with the settlement amount.

The database unit 120,

Market information DB (121) that stores market information such as password, ID, and total limit of the market,

Seller information DB 122 that stores seller information such as password, ID, and market information to which the seller belongs,

Loan information DB (123) that stores loan information such as loan amount and due date,

It includes a repayment information DB 124 for storing repayment information such as repayment account information, repayment amount, and shortfall.

A member management unit 111 for registering and authenticating market members and sellers;

An information receiving unit 112 for receiving sales information from the market terminal 200 and receiving a settlement amount after payment is made after the consumer makes a purchase in the market;

A loan processing unit 113 for executing a loan by making a total limit agreement on the loan with the market terminal 200 and performing a selection calculation with the seller terminal 300;

When a settlement amount is deposited from the market terminal 200 to the server or a deposit account of the server after a predetermined period of time has elapsed, the server includes a repayment processing unit 114 that performs a loan repayment process with the settlement amount.

The operation of the Celeron service system according to an embodiment of the present invention having such a configuration will be described as follows.

2 to 7 are operational flowcharts of a Celeron service method according to an embodiment of the present invention.

Referring to FIG. 2, the server 110 makes an agreement with the market terminal 200 for a total loan limit. At this time, the server 110 provides a pre-formed contract, and the contract may be made by the person in charge inputting or selecting the total loan limit through the market terminal 200 (S210).

Then, the loan processing unit 113 of the server 110 performs a limit agreement with the seller terminal 300 and transfer of the bond (S220).

Next, after the consumer makes a purchase in the market and payment is made (S230), the seller delivers (S240), and the information receiver 112 of the server 110 receives sales information from the market terminal 200. (S250).

Next, the loan processing unit 113 of the server 110 performs a loan by selecting the seller terminal 300 (S260).

Thereafter, after a predetermined period has elapsed, the settlement money is deposited from the market terminal 200 to the deposit account of the server 110 or the information receiving unit 112 of the server 110 (S270).

Then, the repayment processing unit 114 of the server 110 performs a loan repayment process with the settlement amount and deposits the remaining amount into an account designated by the seller (S280).

In the above method,

A detailed description of the step (S220) of the server 110 performing a limit agreement and transfer of bonds with the seller terminal 300 will be described in detail as follows.

3, when the server 110 acquires seller information from the partner page of the market (S301), and the seller terminal 300 accesses the server 110 (S302), the server 110 is an individual business operator. It is distinguished whether it is a corporate business (S303).

In the case of a private business, the member management unit 111 of the server 110 determines whether to subscribe to Internet banking (S304).

In the case of non-subscription, the server 110 performs a preliminary examination (S305).

In the case of passing the pre-examination, the server 110 informs the seller terminal 300 of the result of the pre-examination, guides the registration of a deposit/withdrawal account (S306), and visits a branch to sign up for a deposit/withdrawal account (S307). .

If the pre-examination is not passed, the server 110 informs the seller terminal 300 of the reason for rejection (S313).

In the case of a corporate business, the server 110 determines whether to subscribe to Internet banking (S304).

In the case of non-subscription, the server 110 guides the deposit/withdrawal account registration (S306), and visits a branch to sign up for a deposit/withdrawal account (S307).

In step 304,

In the case of a pre-registration, the seller terminal 300 logs into the server 110 for internet banking with a public certificate (S308).

Next, the server 110 conducts a contract review (S309). At this time, after the representative agrees to provide information, the mobile phone identification process can be performed, and the market's review API can be used.

If the agreement examination is passed, the server 110 completes the agreement preparation and agreement (S310). At this time, sign with a public certificate. Then, the server 110 requests approval from the market terminal 200.

If the market terminal 200 approves (S311), the server 110 transmits a message informing the seller terminal 300 of the availability of the selected calculation (S312).

If the agreement examination is not passed, the server 110 transmits the reason for rejection to the seller terminal 300 (S313).

If the market terminal 200 does not approve, the server 110 transmits the reason for rejection to the seller terminal 300 (S313).

In the above method,

The step (S305) of the server 110 performing the pre-examination will be described in detail as follows.

Referring to FIG. 4, the server 110 receives seller information from the seller terminal 300 through Internet banking (S401).

The server 110 receives consent to an information provision agreement from the seller terminal 300 in order to collect necessary information during examination (S402).

Next, the server 110 simply performs a mobile phone identity verification procedure to verify the identity (S403).

The seller terminal 300 applies for a pre-examination (S404), and the server 110 proceeds with a pre-examination using the market's examination API (S405).

In the above method,

A detailed description of the step (S309) of the server 110 examining the agreement is as follows.

Referring to FIG. 5, the server 110 receives seller information from the seller terminal 300 (S502).

Then, the server 110 receives consent to the consent to provide information from the seller terminal 300 (S503).

The seller terminal 300 applies for a limit agreement examination (S504).

The server 110 performs a contract review using the market's review API, not the existing scraping method (S505).

When the contract review is passed, the server 110 receives the contract amount and selects a settlement account (S506). In other words, a contracted amount is set within the amount approved for examination and an account to receive settlement payments is selected.

In the above method,

In the case of passing the agreement examination, the step (S310) of the server 110 preparing the agreement and completing the agreement will be described in detail as follows.

Referring to FIG. 5, when the contract examination is passed, the server 110 reads the bond transfer contract and the contract (S507). The seller writes an agreement here with the seller terminal 300, and checks the main contents such as terms and conditions.

Thereafter, the server 110 receives the contents of the bond transfer contract and agreement from the seller terminal 300 (S508), receives the password of the security medium from the seller terminal 300, and receives the signature of the public certificate ( S509)

Thereafter, the server 110 issues a contracted virtual account (S510). Upon completion of the agreement, the server 110 issues a virtual account for the purpose of receiving the transfer bond price.

In the above method,

A detailed description of the step (S260) of executing a loan by the server 110 making a selection calculation to the seller terminal 300 is as follows.

6, when the seller terminal 300 logs in to the server 110 with a public certificate (S601), the server 110 inquires the seller's bond according to the selection of the seller terminal 300. (S602). Seller's bonds are bonds sold by the seller and delivered to consumers.

Then, the server 110 receives a selection of a fixed-term bond from the seller terminal 300 and receives the application amount (S603).

Then, the server 110 directly receives the consent to confirm important information from the seller terminal 300, enters a password for a security medium, and receives a certificate signature (S604).

Thereafter, the server 110 performs a selection calculation examination (S605), and if the selection calculation is passed, the server 110 generates a selection calculation execution loan account and processes the deposit to the settlement account (S606).

On the other hand, in case of rejection of the selection calculation, the server 110 guides the reason for rejection, and three of the reasons for rejection are expressed.

In the above method, the step (S280) of the server 110 performing a loan repayment process with the settlement amount and depositing the remaining amount into an account designated by the seller will be described as follows.

Referring to FIG. 7, when deposits are made from the market to a seller-specific virtual account issued when a contract is completed before the bond maturity date (S701), the server 110 collects the money into the sub-store name (S702). At this time, the operation of collecting the amount deposited in the virtual account into an account in the name of the market management store may be performed.

Next, the server 110 checks the selected mountain repayment (S703).

When the redemption amount satisfies the selection calculation amount, the server 110 repays the selection calculation amount in full (S704).

Then, the server 110 performs a loan repayment process and deposits the remaining amount into the seller's settlement account (S705).

If the repayment amount does not meet the selection calculation amount, the server 110 reimburses a portion of the selection calculation amount (S706), and notifies the seller terminal 300 about repayment of the shortfall (S707).

In the above embodiment of the present invention, in response to a loan request from seller members who have sold goods through an online shopping mall, a predetermined amount is loaned in response to the product sales status of the vendor member and the estimated amount settled between the online shopping mall, and reviewing the modification Through the process, the available loan amount is automatically calculated and loans can be performed.

In addition, in an embodiment of the present invention, it is possible for seller members to increase sales and generate additional profits through securing smooth inventory by early securing cash flow.

In addition, in the embodiment of the present invention, all processes of lending are processed through the settlement platform, so that accessibility and convenience of sellers are expanded, and financial costs can be reduced through structured products and standardized pricing.

In addition, in the embodiment of the present invention, from the standpoint of the market, it is possible to maximize sales and generate additional profits by shortening the sales cycle of sellers, and to enhance the market image and expand the scale through support for shared growth with small businesses.

The embodiments of the present invention described above are not implemented only through an apparatus and a method, but may be implemented through a program that realizes a function corresponding to the configuration of the embodiment of the present invention or a recording medium in which the program is recorded. Implementation can be easily implemented by an expert in the technical field to which the present invention belongs from the description of the above-described embodiment.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements by those skilled in the art using the basic concept of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

Claims (9)

A Celeron service method of a Celeron service system connected to at least one seller terminal and at least one market terminal through a network,
The server making a total limit agreement for the loan with the market terminal;
The server performing a limit agreement and transfer of bonds with the seller terminal;
Receiving sales information from the market terminal after payment is made after the consumer makes a purchase in the market;
Executing, by a server, a loan by selecting the seller terminal;
Depositing the settlement money from the market terminal to the server or a deposit account of the server after a predetermined period has elapsed;
And processing, by the server, repaying the loan with the settlement amount and depositing the remaining amount into an account designated by the seller,

The step of the server performing a limit agreement and transfer of bonds with the seller terminal,
The server authenticating the seller terminal;
Upon completion of the authentication, determining whether the server is an individual business entity or a corporate business entity;
In the case of a private business, determining, by the server, whether to subscribe to Internet banking;
In the case of non-subscription, performing a preliminary examination by the server;
In the case of passing the pre-examination, the server notifying the seller terminal of the result of the pre-examination, and guiding a deposit/withdrawal account registration;
If the preliminary examination is not passed, the server notifying the seller terminal of a reason for rejection;
In the case of a corporate business, determining, by the server, whether to subscribe to Internet banking;
In the case of non-subscription, guiding the server to subscribe to a deposit/withdrawal account;
In the case of a pre-registration, the seller terminal logging into the server for Internet banking with a public certificate;
The server performing a contract review;
If the agreement examination is passed, the server completing the agreement and the agreement;
Requesting, by the server, approval from the market terminal;
In the case of approval by the market terminal, the server transmitting a message notifying that the selection calculation is available to the seller terminal,
Transmitting, by the server, a reason for rejection to the seller terminal when the agreement examination is not passed;
If the market terminal is not approved, the server further comprising the step of transmitting a rejection reason to the seller terminal,
The step of the server performing the preliminary examination,
Receiving, by the server, seller information from the seller terminal
Receiving, by the server, consent to an information provision agreement from the seller terminal;
A step in which the server always performs a mobile phone identification procedure;
Applying by the seller terminal for preliminary examination;
Including the step of performing a preliminary examination by the server using the examination API of the market,
The step of examining the agreement by the server,
Receiving, by the server, seller information from the seller terminal
Receiving, by the server, consent to an information provision agreement from the seller terminal;
Applying, by the seller terminal, for a limit agreement examination;
Performing, by the server, a contract review using a market review API;
In the case of passing the contract review, including the step of receiving, by the server, inputting the contract amount and selecting a settlement account,
In the case of passing the agreement review, the step of the server completing the agreement and completing the agreement,
Reading, by the server, a bond transfer contract and a contract when it passes the contract review;
Receiving, by the server, the contents of the bond transfer contract and the contract from the seller terminal;
Receiving, by the server, a security medium password from the seller terminal and receiving a certificate signature;
Including the step of the server issuing a contracted virtual account,
The step of executing the loan by the server making a selection calculation to the seller terminal,
Logging in to the server by the seller terminal with a public certificate;
Inquiring, by the server, the seller's bond according to the selection of the seller terminal;
Receiving, by the server, an application amount by receiving a selected bond from the seller terminal;
Receiving, by the server, consent to confirm information and sign a public certificate from the seller terminal;
Performing, by the server, a selection calculation;
In the case of passing the selection calculation examination, the server generates a loan account for execution of the selection calculation and deposits it into the settlement account,
The step of repaying the loan as the settlement amount by the server and depositing the remaining amount into an account designated by the seller,
The step of collecting, by the server, into an account of a subsidiary store when deposits are made from the market to the seller's virtual account before the bond maturity date;
The step of confirming, by the server, a repayment of the selected mountain;
If the redemption amount satisfies the selection calculation amount, the server repaying the selection calculation amount in full;
The server performing a loan repayment process and depositing the remaining amount into a settlement account of the seller;
If the repayment amount does not satisfy the selection calculation, the server repays a portion of the selection calculation and notifies the seller terminal about repayment of the shortfall. delete delete delete delete delete delete delete A Celeron service system connected to at least one seller terminal and at least one market terminal through a network,
A database unit for storing market information, seller information, loan information, and repayment information;
A total limit agreement is made for the loan with the market terminal, and after payment is made after the consumer makes a purchase in the market, the sales information is transmitted from the market terminal, and the loan is executed by selecting and calculating the seller terminal for a predetermined period. After elapsed, when the settlement money is deposited from the market terminal to the server or the deposit account of the server, the server includes a server for repaying the loan with the settlement amount,
The server is a Celeron service system executing the method of claim 1.

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