KR102256743B1 - Server providing credit accessment index service to e-commerce small business owners and its operation method - Google Patents

Abstract

Provided are a server providing a credit rating information service to e-commerce small business owners and an operating method thereof. The present invention obtains sales information for each transaction by accessing a plurality of online shopping malls at predetermined time intervals from the small business owner based on company information and personal information of a small business owner and the access information for each online shopping mall, and also provides a credit rating information service to small business owners based on the company information, personal information, and sales information for each transaction.

Description

A server that provides credit rating information service to e-commerce small business owners and its operation method {SERVER PROVIDING CREDIT ACCESSMENT INDEX SERVICE TO E-COMMERCE SMALL BUSINESS OWNERS AND ITS OPERATION METHOD}

Provides a server that provides credit rating information service to e-commerce small business owners and a method of operation thereof.

The existing bank's credit rating has become an invisible barrier to entry for small business owners to use financial services due to the personal credit rating of the representative, the company's asset size, and the evaluation centered on financial statements. E-commerce loans for small business owners are relatively strict in terms of interest rates and conditions, and financial companies have difficulty in determining creditworthiness due to the nature of small business owners, which is an obstacle to the expansion of loans.

In the existing e-commerce small business credit rating method, the characteristics of individual borrowers and corporate borrowers are mixed, and non-financial information, which is uncertain due to lack of financial information, must be used. There were problems such as.

However, in the case of e-commerce small business owners, since the actual business is conducted through e-commerce, if these information can be collected and analyzed in an integrated manner, it is possible to conduct an objective evaluation of small business owners' credit rating with high reliability. It is possible to derive indicators that can predict financial risk through collection and analysis.

In addition, in the case of online shopping malls operated by e-commerce small business owners, the product price is not immediately paid to the product sellers, but the product price is settled when a certain product price is paid, even if product buyers have confirmed the final purchase of the product. It may take a long time for product sellers to actually receive payment for the product, as it is often operated in a form that is provided by the customer.

It is to provide a server that provides a selection calculation service to small e-commerce business owners and a method of operation thereof. The technical problem to be achieved by the present embodiment is not limited to the technical problems as described above, and other technical problems may be inferred from the following embodiments.

In addition, by providing information on the business credit rating of small business owners, it is possible to use reasonable services according to the evaluation when using the selection calculation service of small business owners, and can be used as a basic indicator that can be applied to other financial institutions and government support projects in the future.

As a technical means for achieving the above-described technical problem, the first aspect of the present disclosure is, in a method of providing a credit rating information service to an e-commerce small business, the company information and personal information of the small business from the small business, and each online shopping mall. Obtaining access information; Acquiring sales information for each transaction by accessing a plurality of online shopping malls at predetermined time intervals based on the access information; And providing a credit rating information service to the small business owner based on the company information, the personal information, and the sales information for each transaction.

In addition, the predetermined time interval may be changed based on at least one of product information of a product sold by the small business, sales history information of the product, and information on a business type of the small business.

In addition, the method may provide a method further comprising, providing a selection calculation service of the small business owner based on the sales information for each transaction and the credit evaluation information.

In addition, the method may provide a method further comprising: evaluating the risk of the small business owner based on the company information, the personal information, and sales information for each transaction.

According to the above-described problem solving means of the present disclosure, the settlement amount provided by the server to small business owners through the selection calculation service is determined based on the sales information for each transaction. By accessing the online shopping mall at intervals shorter than the time interval and obtaining sales information for each transaction, the settlement amount is provided to small business owners more quickly, thereby helping small business owners manage funds in the online shopping mall.

In addition, by providing information on the business credit rating of small business owners, it is possible to use reasonable services according to the evaluation when using the selection calculation service of small business owners, and can be used as a basic indicator that can be applied to other financial institutions and government support projects in the future.

1 is a diagram illustrating an example of providing a credit rating information service and a selection calculation service in a server according to an embodiment.
2 is a diagram showing an index for evaluating the creditworthiness of a small business owner according to an embodiment.
3 is a diagram showing a result of a credit rating score of a small business owner according to an embodiment.
4 is a diagram for explaining an example of risk management according to an embodiment.
5 is a flowchart of a method of providing a credit rating information service to a small e-commerce business owner according to an embodiment.
6 is a block diagram of a server according to an embodiment.

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 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 attached to similar parts throughout the specification.

Throughout the specification, when a part is said to be "connected" with another part, this includes not only "directly connected" but also "electrically connected" with another element interposed therebetween. . In addition, when a part "includes" a certain component, it means that other components may be further included rather than excluding other components unless specifically stated to the contrary.

Hereinafter, the present disclosure will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating an example of providing a credit rating information service and a selection calculation service in a server according to an embodiment.

An e-commerce small business owner (hereinafter referred to as a small business person) is a person who uploads and sells products to an online shopping mall, and the small business person can upload and sell various products to a plurality of online shopping malls.

Online shopping malls can include all types of platforms that can sell products online, such as open markets, social commerce, general malls, and personal shopping malls.

The small business owner 2000 may refer to a terminal used by the small business man. Terminals include smartphones, tablet PCs, PCs, smart TVs, mobile phones, personal digital assistants (PDAs), laptops, media players, micro servers, global positioning system (GPS) devices, e-book terminals, digital broadcasting terminals, navigation systems, and kiosks. , An MP3 player, a digital camera, a home appliance, a device equipped with a camera, and other mobile or non-mobile computing devices, but is not limited thereto. In addition, the small business owner 2000 may be a wearable device having a communication function and a data processing function. However, it is not limited thereto.

In addition, the online shopping mall 3000 may refer to a server that operates the online shopping mall 3000. The server 1000 and the online shopping mall 3000 may be implemented as a computer device or a plurality of computer devices that communicate through a network and provide commands, codes, files, contents, services, and the like.

The server 1000 may provide a file for installing an application to a small business terminal connected through a network. In this case, the small business terminal may install the application using the file provided from the server 1000.

In addition, the small business terminal accesses the server 1000 under the control of an operating system (OS) and at least one program (for example, a browser or an installed application) to receive services or contents provided by the server 1000. I can.

As another example, the server 1000 may establish a communication session for data transmission/reception, and route data transmission/reception between a small business terminal and an online shopping mall server through the established communication session.

The server 1000, a small business terminal, and an online shopping mall server may perform communication using a network. For example, the network is a local area network (LAN), a wide area network (WAN), a value added network (VAN), a mobile radio communication network, a satellite communication network, and their It is a data communication network in a comprehensive sense that includes a mutual combination, and enables each network member shown in FIG. 1 to communicate with each other smoothly, and may include a wired Internet, a wireless Internet, and a mobile wireless communication network. In addition, wireless communication is, for example, wireless LAN (Wi-Fi), Bluetooth, Bluetooth low energy (Bluetooth low energy), Zigbee, WFD (Wi-Fi Direct), UWB (ultra wideband), infrared communication (IrDA, infrared Data Association), NFC (Near Field Communication), and the like, but are not limited thereto.

Referring to FIG. 1, the server 1000 may acquire various information from the small business owner 2000 and the online shopping mall 3000.

The server 1000 may obtain access information for each online shopping mall from the small business owner 2000. The access information may include an ID and password for logging in to the online shopping mall. When a small business owner sells a product to a plurality of online shopping malls, the server 1000 may obtain access information for each of the plurality of online shopping malls from the small business entity 2000.

The server 1000 may obtain company information and personal information of the small business from the small business.

For example, the company information may include information on a company name, a representative, an address, a contact information, a company establishment year, a main sale product, a shopping mall, and the like. In addition, the company information may include the business period, the mall operation period, the number of shopping malls and the number of products sold. Personal information may include information on a small business owner's personal credit rating score, overdue status, default on debt, etc.

The server 1000 may derive various indicators used to evaluate the creditworthiness of the small business based on company information and personal information obtained from the small business. Specifically, the server is an index used to evaluate the creditworthiness of small business owners based on company information and personal information, and may derive a company overview and credit rating.

The server 1000 may obtain sales information for each transaction from the online shopping mall 3000. The sales information may include information on product type, product name, product price, quantity, sales date, sales time, and the like.

Specifically, the server 1000 may obtain sales information for each transaction by accessing the plurality of online shopping malls 3000 at predetermined time intervals based on the access information.

The server 1000 is to provide a credit rating information service to small business owners based on the company information and personal information of the small business entity 2000 acquired from the small business entity 2000, and the sales information for each transaction acquired from the online shopping mall 3000. I can. A specific method of providing the credit rating information service will be described later in FIG. 2.

In addition, the server 1000 may provide a selection calculation service to a small business by using sales information for each transaction and credit evaluation information for a small business acquired from the online shopping mall 3000.

Specifically, the server 1000 may access the online shopping mall 3000 at predetermined time intervals based on the access information obtained from the small business owner 2000. When the small business operator 2000 provides access information for each of a plurality of online shopping malls, the server 1000 may access each of the plurality of online shopping malls 3000 at predetermined time intervals. The server 1000 may access the online shopping mall 3000 to obtain sales information for each transaction.

For example, the server 1000 may obtain access information (ID and password) for shopping mall A from the small business owner 2000. After accessing the shopping mall A using the access information, the server 1000 may obtain sales information on a product for which a transaction has been made among products uploaded by a small business owner for each transaction. For example, when a transaction is made for one product A and two products B, the server 1000 may obtain a total of three sales information.

On the other hand, even if a product transaction is carried out in an online shopping mall, the time when a small business owner is settled for the product amount may be different for each online shopping mall. In addition, even when it is necessary for the purchaser to confirm the purchase of the product, the time when the small business owner receives the product amount after the purchase is confirmed may be different for each online shopping mall.

In the present invention, even before the small business owner receives the product amount from the online shopping mall, the selection calculation service may be provided to the small business owner based on the sales information for each transaction acquired by accessing the online shopping malls.

The selection calculation service is a service that provides a settlement amount in advance to a small business owner based on the price of the product to be sold.

In an embodiment, the amount of money that is selected to be provided to small business owners through the service to be selected may be determined based on company information, personal information, industry information, and credit rating information (eg, credit rating score). In addition, the fee amount according to the selected calculation amount may also be determined by company information, personal information, industry information, and credit rating score.

For example, the company information may include information on a company name, a representative, an address, a contact information, a company establishment year, a main sale product, a shopping mall, and the like. Personal information may include information on a small business owner's personal credit rating score, overdue status, default on debt, etc. Industry information may include information on return rates by sector/product and margin rates by sector/product.

For example, even if the sales amount according to the sales information for each transaction of small business A and small business B are the same, a small business A with a high personal credit rating score may be provided with a larger amount through a selection service than a small business B.

Alternatively, the return rate of products sold by small business A may be 10%, and the return rate of products sold by small business B may be 15%. Even if the sales amount according to the sales information for each transaction between small business A and small business B are the same, small business A, with a low return rate of products, can receive a larger amount through a selection service than small business B.

Alternatively, small business owner A may have a rating of A, and small business owner B may have a rating of B. Even if the sales amount according to the sales information for each transaction between small business A and small business B are the same, small business A with a higher credit rating can be provided with a larger amount through a selection service than small business B. Here, the credit evaluation information may be information determined based on company information and personal information obtained from the small business owner 2000 and sales information for each transaction obtained from the online shopping mall 3000. This will be described later in FIG. 3.

In the above example, for convenience of understanding, only specific conditions are different and other conditions are the same, but the settlement amount provided to small business owners through the selection calculation service may be determined by considering various conditions in combination.

In one embodiment, a predetermined time interval during which the server 1000 accesses the plurality of online shopping malls 3000 may be variable.

Specifically, the server 1000 may determine a predetermined time interval based on at least one of product information of a product sold by a small business, sales history information of a product, and information on a business type of the small business.

For example, certain products may be actively traded during certain seasons. When a small business owner sells outdoor swimwear at an online shopping mall, outdoor swimwear can be actively traded in summer. In this case, the server 1000 may set the predetermined time interval as a second time interval shorter than the first time interval which is the reference time interval. The server 1000 may access the online shopping mall at second time intervals to obtain sales information for each transaction of outdoor swimsuit products.

Alternatively, when the selling price of the product exceeds the threshold price, the server 1000 may set the predetermined time interval as a second time interval shorter than the first time interval that is the reference time interval.

When a small business owner sells different products for each online shopping mall, the server 1000 may obtain sales information for each transaction for each online shopping mall by applying different predetermined time intervals to each of the online shopping malls operated by the small business owner.

For example, if a small business owner sells product A in online shopping mall A is active, while sales of product B in online shopping mall B is intermittent, the server 1000 uses only the online shopping mall A at a predetermined time interval as a reference time interval. It may be set to a second time interval shorter than the first time interval.

In the case of small business owners who operate online shopping malls, there are cases where they cannot purchase new products until they receive payment from the online shopping mall, even if the sales volume of products increases due to insufficient funds. Since the settlement amount provided by the server 1000 to small business owners through the selection calculation service is determined based on the sales information for each transaction, the server 1000 is used at a reference time interval for products with a high sales volume or a product with a high sales price as described above. By accessing the online shopping mall at shorter time intervals to obtain sales information for each transaction, and providing the settlement amount to small business owners more quickly, it is possible to help small business owners manage funds in the online shopping mall.

Meanwhile, the server 1000 may evaluate the creditworthiness of the small business owner based on the sales information for each transaction acquired from the online shopping mall 3000. This will be described later in FIGS. 2 to 3.

2 is a diagram showing an index for evaluating the creditworthiness of a small business owner according to an embodiment.

The server may obtain the company information and personal information of the small business from the small business.

For example, the company information may include information on a company name, a representative, an address, a contact information, a company establishment year, a main sale product, a shopping mall, and the like. In addition, the company information may include the business period, the mall operation period, the number of shopping malls and the number of products sold. Personal information may include information on a small business owner's personal credit rating score, overdue status, default on debt, etc.

The server may derive various indicators for credit evaluation of small business owners based on company information and personal information obtained from small business owners. Specifically, based on personal information such as address, age, and gender of small business owners, and company information such as business period, shopping mall operation period, number of shopping malls and the quantity of products sold, business safety evaluation indicators among small business owners' credit evaluation indicators are used. Can be derived.

The server may obtain sales information for each transaction from the online shopping mall.

The server can derive various indicators for credit evaluation of small business owners based on the sales information for each transaction. Specifically, the server stores sales information for each transaction such as product type, product name, product price, quantity, sales date, sales time, purchaser, delivery date, product arrival, shopping mall deposit amount, shopping mall deposit date, returns and exchanges, and sales promotions. Based on this, sales indicators, settlement indicators, customer indicators, and operation indicators can be derived.

2, sales indicators include'Sales Growth Rate/Amount (Recent 3 Months)','Monthly Sales (Recent 1 Month)','Monthly Sales (Recent 1 Month)', and'Sales Per Sales (Recent 1 Month). )'may be included.

The settlement index may include'monthly settlement amount (last 1 month)','settlement increase rate compared to the previous month','total settlement expected amount', and'settlement hold rate'.

Customer indicators may include'the number of buyers per month','the growth rate of buyers compared to the previous month','the rate of canceling orders compared to the previous month','the return rate compared to the industry average', and'the number of exchange requests in the current month'.

Operational indicators may include'shopping mall rating','monthly sales rejection rate','monthly SKU concentration','customer inquiry response rate', and'monthly sales promotion rate'.

In addition, the server can use the personal credit evaluation index based on the personal information of the small business owner, and the personal credit evaluation index may include evaluation items such as'personal credit rating score','delinquency delinquency', and'debt default'. have.

However, examples included in the sales index, settlement index, customer index, operation index, and personal credit evaluation index are not limited to the above, and the server selects other index categories in addition to the five index categories based on the sales information for each transaction. Can be derived.

Specifically, the server derives detailed items for each company profile and credit rating based on company information and personal information, and based on sales information for each transaction, sales indicators, settlement indicators, customer indicators, operating indicators and personal credit rating indicators After deriving each detailed item, the score of each detailed item for each indicator can be calculated.

In one embodiment, the score of the detailed item may be calculated by multiplying the'weight of the evaluation index', the'weight of the detailed item', and the'rating of the detail item'. For example, if the proportion of the company overview is 15% of the evaluation index, the proportion of the business period is 20% of the detailed items of the company overview, and the rating of the business period is set as 5 out of 10 points, The score can be calculated as 1.5 points (=100 X 0.15 X 0.2 X 5 points).

3 is a diagram illustrating a result of a credit score score of a small business owner according to an embodiment.

Referring to FIG. 3, the weight of each of the plurality of evaluation indices shown in FIG. 2 can be checked. For example, a corporate profile could have a weight of 15%, a sales indicator of 25%, a settlement indicator of 17%, a customer indicator of 13%, an operating indicator of 10%, and a credit rating of 20%.

Detailed items included in each evaluation index have been described in detail in FIG. 2, and thus will be omitted here.

The server can calculate a score for each evaluation index by summing the scores of the detailed items included in each evaluation index. Referring to Fig. 3, based on a perfect score of 5, the company outline score is 3.42 points, the sales index score is 3.82 points, the settlement index score is 2.22 points, the customer index score is 3.67 points, and the operation index score is 3.11 points. The score and the credit rating could be 4.17.

Referring to FIG. 3, since the number of evaluation indicators is 6 and the evaluation index is 5 points perfect, the credit score is a total of 30 points. The sum of the scores of each evaluation index calculated by the server is 23.78 points, and if converted to a 100-point scale, 68 points are calculated. The server may set a rating for each credit rating score section by analyzing the cumulative distribution of all credit rating scores, and determine the credit rating of a small business owner as a rating corresponding to the score section to which the calculated score belongs. For example, when the server determines the credit rating score as 68, the credit rating may be determined as a B rating. Meanwhile, various statistical analysis and artificial intelligence analysis methods can be used to analyze the cumulative distribution of all credit rating scores.

4 is a diagram for describing an example of risk management according to an embodiment.

The server can obtain company information from small business owners. Company information may further include sales information and operation information. In addition, the server may obtain sales information for each transaction from the online shopping mall.

The server can derive various indicators used to evaluate the risk of small business owners based on company information and sales information for each transaction. Specifically, the server is an index used to evaluate the risk of small business owners based on company information and sales information for each transaction, and can derive a company overview, sales index, settlement index, and operation index.

Referring to FIG. 4, the company overview may include'whether or not a payment passbook is changed','the number of shopping malls' and'the number of products sold'.

Sales indicators may include'change in sales amount','change in sales case','sales amount/sales case', and'same id repeat purchase rate'.

Settlement indicators may include'estimated settlement amount','settlement ratio to order', and'settlement hold rate'.

Operational indicators can include'number of purchasers','number of order cancellations','number of returns','number of exchange requests', and'promotion ratio'.

The server can evaluate the risk of small business owners based on company information, personal information, and sales information for each transaction.

Referring to Figure 4, it is possible to check the weight of each of the plurality of evaluation indices. For example, a company profile may have a weight of 15%, a sales index of 35%, a settlement index of 22%, and an operating index of 28%.

The server can calculate a score for each evaluation index by summing the scores of the detailed items included in each evaluation index. In addition, the server may calculate a risk score and a risk grade by using the score of each evaluation index. The method of calculating the score of the detailed items, the score of the evaluation indicators, and the risk score is the same as the method described in FIG. 3, and thus will be omitted here.

The server can provide feedback to stakeholders, such as small business owners and companies or institutions that hold financial bonds to small business owners, based on the risk score or risk rating.

In one embodiment, the server may provide a warning notification to small business owners and stakeholders when the risk level is less than or equal to the first level. In addition, the server may lower the credit rating score or the credit rating rating of the small business when the risk rating is less than or equal to the second rating. In addition, when the risk level is less than the second level, the server may lower the settlement amount provided to the small business through the selection calculation service. Here, the second grade may be a lower grade than the first grade.

On the other hand, the detailed items of the evaluation index used to evaluate the creditworthiness of small business owners and the detailed items of the evaluation index used to evaluate the risk of small business owners may be different. The detailed items of the evaluation index used to evaluate the risk of small business owners may consist of data that can be obtained in a shorter period than the detailed items of the evaluation index used to evaluate the creditworthiness. For example, the detailed items of the risk evaluation index may be based on a day, hour, or minute, and the detailed items of the credit rating index may be based on a day or month. .

In one embodiment, the server determines a threshold amount based on sales information for a plurality of transactions, and when a transaction exceeding the threshold amount occurs, the sales information corresponding to the transaction is excluded from the settlement amount provided through the selection calculation service. can do.

Since the average sales amount can be determined according to the type of product sold by the small business owner, if a sales amount exceeding this occurs, the server can manage the risk by excluding the sales amount from the settlement amount provided through the selection calculation service. .

In one embodiment, when it is confirmed that the payment passbook of the small business owner has changed, the server may provide a warning notification to the small business owner regardless of the risk level or the risk score.

5 is a flowchart of a method of providing a credit rating information service to a small e-commerce business owner according to an embodiment.

Referring to FIG. 5, in step 510, the server may obtain company information and personal information of the small business owner, and access information for each online shopping mall from the small business entity.

The access information may include an ID and password for logging in to the online shopping mall. When a small business owner sells a product to a plurality of online shopping malls, the server may obtain access information for each of the plurality of online shopping malls from the small business entity.

For example, the company information may include information on a company name, a representative, an address, a contact information, a company establishment year, a business registration certificate number, a main sale product, a shopping mall, and the like. In addition, the company information may include the business period, the mall operation period, the number of shopping malls and the number of products sold. Personal information may include information on the small business owner's name, phone number, address, e-mail, personal credit rating score, overdue status, default on debt, and the like.

In step 520, based on the access information, the server may access a plurality of online shopping malls at predetermined time intervals to obtain sales information for each transaction.

The sales information may include information on product type, product name, product price, quantity, sales date, sales time, purchaser, delivery date, product arrival, shopping mall deposit amount, shopping mall deposit date, returns and exchanges, whether or not a promotion.

When a small business owner provides access information for a plurality of online shopping malls, the server may access each of the plurality of online shopping malls at predetermined time intervals. The server may access the online shopping mall and obtain sales information for each transaction.

A predetermined time interval during which the server accesses the plurality of online shopping malls may be variable. Specifically, the server may determine a predetermined time interval based on at least one of product information of a product sold by the small business, sales history information of the product, the total daily sales amount, and information on the business type of the small business.

When a small business owner sells different products for each online shopping mall, the server may obtain sales information for each transaction for each online shopping mall by applying different predetermined time intervals to each of the online shopping malls operated by the small business owner.

In step 530, based on company information, personal information, and sales information for each transaction, a credit rating information service may be provided to a small business owner.

The server can derive various indicators for credit evaluation of small business owners based on company information and personal information obtained from small business owners. Specifically, the server may derive a company overview and personal credit rating as an index for credit rating of small business owners based on company information and personal information.

In addition, the server can derive various indicators for credit evaluation of small business owners based on sales information for each transaction. Specifically, the server may derive a sales index, a settlement index, a customer index, and an operation index based on sales information for each transaction.

The server can calculate the credit rating of the small business or the credit rating of the small business by using the index for the credit evaluation of the small business.

In addition, the server may provide a selected calculation service to a small business owner. The amount of sensation calculation provided to small business owners through the sensational calculation service can be determined by company information, personal information, industry information, and credit rating information. In addition, the fee amount according to the selected calculation amount may also be determined by company information, personal information, industry type information, and credit evaluation information.

In an embodiment, the server may evaluate the creditworthiness of the small business based on company information and personal information from the small business, and sales information for each transaction obtained from the online shopping mall.

In an embodiment, the server may evaluate the risk of a small business owner based on company information, personal information, and sales information for each transaction.

6 is a block diagram of a server according to an embodiment.

Referring to FIG. 6, the server 600 may include a communication unit 610, a processor 620 and a DB 630. Only components related to the embodiment are shown in the external server 600 of FIG. 6. Therefore, it can be understood by those of ordinary skill in the art that other general-purpose components may be further included in addition to the components shown in FIG. 6.

The communication unit 610 may include one or more components for performing wired/wireless communication with a small business terminal and online shopping mall servers. For example, the communication unit 610 may include at least one of a short-range communication unit (not shown), a mobile communication unit (not shown), and a broadcast receiving unit (not shown).

For example, a request generated according to a program code stored in a recording device such as DB 630 may be transmitted to a small business terminal and an online shopping mall server through a network under the control of the communication unit 610. Conversely, control signals, commands, contents, files, etc. provided under the control of the processor of the small business terminal and the online shopping mall server may be received to the server 600 through the communication unit 610 through a network. For example, control signals, commands, contents, and files of the server 600 received through the communication unit 610 may be transferred to the processor 620 or transferred to the DB 630 and stored.

The DB 630 is hardware that stores various types of data processed in the server 600 and may store a program for processing and controlling the processor 620. In one embodiment, the DB 630 may store access information for each online shopping mall obtained from a small business terminal. In addition, the DB 630 may store sales information for each transaction acquired from the online shopping mall server. In addition, the DB 630 may store company information and personal information obtained from a small business owner.

The DB 630 includes random access memory (RAM) such as dynamic random access memory (DRAM), static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), and CD- ROM, Blu-ray or other optical disk storage, hard disk drive (HDD), solid state drive (SSD), or flash memory.

The processor 620 controls the overall operation of the server 600. The processor 620 may control the operation of the server 600 described above in FIGS. 1 to 5. In one embodiment, the processor 620 is based on the sales information for each transaction stored in the online shopping mall based on the access information in the DB (630).

The processor 620 may generally control the input unit (not shown), the display (not shown), the communication unit 610, and the DB 630 by executing programs stored in the DB 630. The processor 620 may control the operation of the external server 600 by executing programs stored in the DB 630.

The processor 220 includes application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs), controllers, and microcontrollers. It may be implemented using at least one of (micro-controllers), microprocessors, and electrical units for performing other functions.

Various embodiments of the present disclosure may be implemented as software (eg, a program) including one or more instructions stored in a storage medium readable by a machine. For example, the processor of the device may invoke and execute at least one of the one or more instructions stored from the storage medium. This enables the device to be operated to perform at least one function according to the at least one command invoked. The one or more instructions may include code generated by a compiler or code executable by an interpreter. A storage medium that can be read by a device may be provided in the form of a non-transitory storage medium. Here,'non-transitory' only means that the storage medium is a tangible device and does not contain a signal (e.g., electromagnetic waves), and this term refers to the case where data is semi-permanently stored in the storage medium. It does not distinguish between temporary storage cases.

According to an embodiment, a method according to various embodiments of the present disclosure may be provided by being included in a computer program product. Computers, programs, and products are commodities that can be traded between sellers and buyers. Computers, programs, and products are distributed in the form of a device-readable storage medium (e.g. compact disc read only memory (CD-ROM)), or through an application store (e.g. Play StoreTM) or between two user devices. It can be distributed in person or online (e.g., downloaded or uploaded). In the case of online distribution, at least a part of the 　computer 　 program 　 product may be temporarily stored or temporarily created in a storage medium that can be read by a device such as a server of a manufacturer, a server of an application store, or a memory of a relay server.

In addition, in the present specification, the “unit” may be a hardware component such as a processor or a circuit, and/or a software component executed by a hardware configuration such as a processor.

The scope of this embodiment is indicated by the claims to be described later rather than the detailed description, and it should be construed that all changes or modifications derived from the meaning and scope of the claims and their equivalent concepts are included.

Claims (4)

In the device for providing a credit rating information service to an e-commerce small business,
A memory in which at least one program is stored; And
And a processor that performs an operation by executing the at least one program,
The processor,
Obtaining the small business owner's company information and personal information, and access information for each online shopping mall from the small business owner,
Based on the access information, by accessing a plurality of online shopping malls at predetermined time intervals to obtain sales information for each transaction,
Based on the company information, the personal information, and sales information for each transaction, a credit rating information service is provided to the small business owner,
Based on the sales information for each transaction and the credit rating information, a selection calculation service is provided to the small business owner,
The processor,
A threshold amount is determined based on the sales information for each transaction,
When a predetermined transaction exceeding the threshold amount occurs, sales information corresponding to the predetermined transaction is excluded from the settlement amount provided through the selection calculation service. The method of claim 1,
The predetermined time interval may be changed based on at least one of product information of a product sold by the small business, sales history information of the product, and information on a business type of the small business. The method of claim 1,
The processor,
Based on the company information, the personal information, and sales information for each transaction, evaluate the risk of the small business owner,
To adjust the settlement amount provided to the small business through the selection calculation service according to the risk evaluation result. The method of claim 3,
The company information includes whether or not the payment passbook has been changed,
The processor,
When it is confirmed that the payment passbook of the small business owner has changed, a warning notification is provided regardless of the risk evaluation result.

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