KR102342904B1 - Method, system and non-transitory computer-readable recording medium for providing services based on goods - Google Patents

Abstract

According to one aspect of the present invention, there is provided a method for supporting the sale of goods, wherein when the consignment sale of the goods is in progress, payment is made to the seller before the goods are actually sold with reference to the value of the goods subject to consignment sale determining a first reward to be provided, and determining a second reward to be paid to the seller after the article is actually sold, with reference to the first reward, actual sales price and commission if the article is actually sold A method comprising:

Description

Method, system and non-transitory computer-readable recording medium for providing goods-based services

The present invention relates to a method, a system, and a non-transitory computer-readable recording medium for providing a service based on an article.

Expensive used goods can be sold or used as collateral to raise the necessary funds. In order for a seller of second-hand goods or a person receiving a loan using used goods as collateral to raise funds by using such expensive used goods, it is necessary to first evaluate the appropriate value of the used goods. Even if it is evaluated as such, it is difficult to receive payment in money at an appropriate time.

In addition, since it is difficult for the buyer of the used goods to have confidence in the sold used goods and the price of the goods, a lot of search costs are required to overcome this problem, such as searching various platforms.

Accordingly, the inventor(s) makes it possible to easily evaluate the appropriate value of the used goods, and based on this, the seller of the used goods or the borrower using the used goods as collateral can receive a reasonable compensation at an appropriate (or quick) time. We propose a technology that provides services that enable high-reliability trading of used goods.

Registered Patent Publication No. 10-1678970 (2016. 11. 24)

An object of the present invention is to solve all of the problems of the prior art described above.

In addition, the present invention determines the first compensation to be paid to the seller before the goods are actually sold when the consignment sale for the goods is in progress, referring to the value of the goods subject to the consignment sale, Another purpose is to determine the second compensation to be paid to the above seller after the above product is actually sold, with reference to the above first compensation, actual sales price and commission when the product of is actually sold.

In addition, the present invention determines the loanable amount that can be paid to the borrower by using the above item as collateral by referring to the value of the item to be secured, and feedback of the borrower for the above loanable amount When it is decided to proceed with a loan using the above items as collateral with reference to the above, it is another purpose to determine the time and place for the above items to be delivered based on the borrower's choice.

In addition, the present invention makes it possible to conveniently evaluate the appropriate value of used goods, and based on this, a seller of a used article or a borrower using the used article as collateral can provide a reasonable compensation at an appropriate (or quick) time. Another purpose is to provide services.

Another object of the present invention is to provide a high-reliability used goods transaction service.

A representative configuration of the present invention for achieving the above object is as follows.

According to an aspect of the present invention, with reference to the value of the item to be sold on consignment, determining a first compensation to be paid to the seller before the article is actually sold when the consignment sale for the article is in progress; and determining, when the article is actually sold, a second reward to be paid to the seller after the article is actually sold, with reference to the first reward, the actual sales price, and the commission.

According to another aspect of the present invention, a first compensation to be paid to the seller is determined before the article is actually sold when the consignment sale for the article is in progress with reference to the value of the article to be sold, and the When the product is actually sold, a system is provided that includes a contract management unit that determines a second compensation to be paid to the seller after the product is actually sold by referring to the first compensation, the actual sales price, and the commission.

According to another aspect of the present invention, referring to the value of an article to be secured, determining a loanable amount payable to a borrower using the article as collateral, and the borrower for the loanable amount When it is determined to proceed with the loan using the item as collateral with reference to the feedback of , there is provided a method comprising the step of determining a time and place for delivery of the item based on the borrower's selection.

According to another aspect of the present invention, referring to the value of an article to be secured, a contract management unit for determining a loanable amount that can be paid to a borrower using the article as collateral, and the above for the loanable amount When it is determined to proceed with the loan using the item as collateral with reference to the feedback of the borrower, a system is provided including an article management unit configured to determine a time and place for delivery of the article based on the borrower's selection.

In addition to this, another method for implementing the present invention, another system, and a non-transitory computer-readable recording medium for recording a computer program for executing the method are further provided.

According to the present invention, a first compensation to be paid to the seller is determined before the goods are actually sold when the consignment sale for the goods is in progress with reference to the value of the goods subject to the consignment sale, When the product is actually sold, it is possible to determine the second compensation to be paid to the seller after the product is actually sold with reference to the first compensation, the actual sales price, and the fee.

Further, according to the present invention, referring to the value of the item to be secured, the loanable amount that can be paid to the borrower is determined by using the above item as collateral, and the borrower's loanable amount for the above loanable amount is determined. If it is decided to proceed with the loan using the above items as collateral with reference to the feedback, it is possible to determine the time and place for the above items to be delivered based on the borrower's selection.

In addition, according to the present invention, it is possible to conveniently evaluate the appropriate value of the used goods, and based on this, the seller of the used goods or the borrower using the used goods as collateral can receive a reasonable compensation at an appropriate (or quick) time. service can be provided.

In addition, according to the present invention, it is possible to provide a high-reliability used goods transaction service.

1 is a diagram showing a schematic configuration of an overall system for providing a service based on an article according to an embodiment of the present invention.
2 is a diagram illustrating in detail an internal configuration of a service providing system according to an embodiment of the present invention.
3 to 4 are views exemplarily illustrating a process in which consignment sales are performed according to an embodiment of the present invention.
5 to 7 are diagrams exemplarily illustrating a process in which a mortgage loan is performed according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0012] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0010] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0010] Reference is made to the accompanying drawings, which show by way of illustration specific embodiments in which the present invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the present invention. It should be understood that the various embodiments of the present invention are different but need not be mutually exclusive. For example, certain shapes, structures, and characteristics described herein may be implemented with changes from one embodiment to another without departing from the spirit and scope of the present invention. In addition, it should be understood that the location or arrangement of individual components within each embodiment may be changed without departing from the spirit and scope of the present invention. Accordingly, the following detailed description is not to be taken in a limiting sense, and the scope of the present invention should be taken as encompassing the scope of the claims and all equivalents thereto. In the drawings, like reference numerals refer to the same or similar elements throughout the various aspects.

Hereinafter, various preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings in order to enable those of ordinary skill in the art to easily practice the present invention.

In this specification, terms such as amount, money, price, fee, loan, etc. do not mean only cash, various cash equivalents that can be cashed out, bonds to various financial institutions such as banks, electronic money (discount coupons, points, It should be understood as the broadest concept including all means that can be used as a measure of value, such as reserves, etc.). In addition, in the present specification, the term compensation is a broader concept than terms such as the amount, money, price, fee, loan amount, etc. described above, and should be understood as a concept that further includes goods.

In addition, in this specification, although embodiments related to goods-based services are mainly described focusing on transactions (or brokerage of transactions) or secured loans for expensive second-hand goods, the goods-based service in the present invention must necessarily be used for expensive second-hand goods. It is to be understood that the offer is not limited to a transaction (or brokerage of trade) or secured loan for goods, but may also be offered on the basis of general second-hand or non-used goods.

Meanwhile, according to an embodiment of the present invention, a technology for recognizing and/or detecting an object in an image and estimating the value of an article corresponding to the object is disclosed through Korean Patent Application No. 10-2020-0039454 may be implemented according to the content (the specification of this patent application is to be regarded as being incorporated herein in its entirety). However, in accordance with an embodiment of the present invention, the technology for recognizing and/or detecting an object in an image and estimating the value of an article corresponding to the object is not implemented limited to the contents disclosed in the above specification, It can be implemented using various algorithms within the scope that can achieve the object of the present invention.

Whole system configuration

1 is a diagram showing a schematic configuration of an overall system for providing a service based on an article according to an embodiment of the present invention.

As shown in FIG. 1 , the entire system according to an embodiment of the present invention may include a communication network 100 , a service providing system 200 , and a device 300 .

First, the communication network 100 according to an embodiment of the present invention may be configured regardless of communication aspects such as wired communication or wireless communication, and includes a local area network (LAN), a metropolitan area network (MAN) ), a wide area network (WAN), etc. may be configured as various communication networks. Preferably, the communication network 100 as used herein may be a well-known Internet or World Wide Web (WWW). However, the communication network 100 is not necessarily limited thereto, and may include a known wired/wireless data communication network, a known telephone network, or a known wired/wireless television communication network in at least a part thereof.

For example, the communication network 100 is a wireless data communication network, such as Wi-Fi communication, Wi-Fi Direct communication, Long Term Evolution (LTE) communication, 5G communication, Bluetooth communication (Low Energy Bluetooth (BLE)) (including Bluetooth Low Energy) communication), infrared communication, ultrasonic communication, and the like, may be implemented in at least a part thereof. As another example, the communication network 100 may be an optical communication network that implements at least a part of a conventional communication method such as LiFi (Light Fidelity).

Next, the service providing system 200 according to an embodiment of the present invention refers to the value of the item to be sold by consignment, and when the consignment sale for the item is in progress, before the item is actually sold Determine the first compensation to be paid to the seller, and if the above goods are actually sold, referring to the above first compensation, actual sales price and fees, the second compensation to be paid to the above sellers after the above goods are actually sold It can perform the function of determining the reward.

In addition, the service providing system 200 according to an embodiment of the present invention determines the loanable amount that can be paid to the borrower using the above item as collateral with reference to the value of the item to be secured, and If it is decided to proceed with a loan secured by the above items by referring to the above borrower's feedback on the loanable amount of function can be performed.

The configuration and function of the service providing system 200 according to the present invention will be described in detail through the following detailed description.

Next, the device 300 according to an embodiment of the present invention is a digital device including a function for communicating after accessing the service providing system 200 , and includes a smart phone, a tablet, a smart watch, a smart band, and a smart device. Any digital device equipped with a memory means such as glass, desktop computer, notebook computer, workstation, PDA, web pad, mobile phone, etc. and equipped with a microprocessor and equipped with computing power can be adopted as the device 300 according to the present invention. can

In particular, the device 300 may include an application (not shown) that supports the user to receive services such as consignment sales and secured loans from the service providing system 200 . Such an application may be downloaded from the service providing system 200 or an external application distribution server (not shown). On the other hand, the characteristics of these applications are generally similar to the value estimation unit 210 , the contract management unit 220 , the goods management unit 230 , the communication unit 240 , and the control unit 250 of the service providing system 200 to be described later. can do. Here, at least a part of the application may be replaced with a hardware device or a firmware device capable of performing substantially the same or equivalent function as the application, if necessary. On the other hand, the application described above should be understood as a broad concept encompassing all web applications, hybrid applications, hybrid webs, responsive webs, and the like.

Composition of service provision system

Hereinafter, the internal configuration of the service providing system 200 that performs an important function for the implementation of the present invention and the function of each component will be described.

2 is a diagram illustrating in detail the internal configuration of the service providing system 200 according to an embodiment of the present invention.

As shown in FIG. 2 , the service providing system 200 according to an embodiment of the present invention includes a value estimation unit 210 , a contract management unit 220 , an article management unit 230 , a communication unit 240 and a control unit ( 250) may be included. According to an embodiment of the present invention, at least some of the value estimation unit 210 , the contract management unit 220 , the product management unit 230 , the communication unit 240 and the control unit 250 are external systems (not shown). ) may be a program module that communicates with Such a program module may be included in the service providing system 200 in the form of an operating system, an application program module, or other program modules, and may be physically stored in various known storage devices. In addition, such a program module may be stored in a remote storage device capable of communicating with the service providing system 200 . Meanwhile, such a program module includes, but is not limited to, routines, subroutines, programs, objects, components, data structures, etc. that perform specific tasks or execute specific abstract data types according to the present invention.

On the other hand, although described above with respect to the service providing system 200, this description is exemplary, and at least some of the components or functions of the service providing system 200 are necessary according to the device 300 or the server (not shown). ) or included in an external system (not shown) will be apparent to those skilled in the art.

Hereinafter, the internal configuration of the service providing system 200 according to the present invention and the function of each component will be described in detail by dividing them by embodiment.

Example 1: Consignment Sales Service

3 to 4 are views exemplarily illustrating a process in which consignment sales are performed according to an embodiment of the present invention. Specifically, according to an embodiment of the present invention, when a seller requests consignment sales of a specific product using an application, etc., the subject (eg, the operator of the service providing system 200 ) receiving the request is entrusted You can make the sale go ahead. Hereinafter, a consignment sales service according to an embodiment of the present invention will be described in detail with reference to FIGS. 3 to 4 . Meanwhile, in this specification, an application is a term that includes a web program, and should be understood similarly even if there is no special description in this specification.

First, the value estimator 210 according to an embodiment of the present invention may perform a function of recognizing the above goods based on information about the goods obtained from the seller.

Specifically, according to an embodiment of the present invention, the information about the product obtained from the seller includes at least one of information for recognizing the product, such as a product name and model name of the product, and an image of the product. can And, when the information about the goods obtained from the seller is an image of the product, the value estimator 210 according to an embodiment of the present invention, the goods corresponding to the object included in the image obtained from the seller It can perform the function of recognizing Here, the image may refer to at least one still image, but is not limited thereto, and refers to the moving image itself, a still image extracted from the moving image using an artificial intelligence model, or other means that can express the article in a visual way. You may.

Continuing, according to an embodiment of the present invention, the image obtained from the seller may mean an image of the item to be consigned sale is photographed by the seller device 300 . According to an embodiment of the present invention, such an image may be taken according to a guide provided through an application (not shown). For example, according to one embodiment of the present invention, the image above is the seller's front, back, side, inside, specific part (eg, handle, buckle, etc.) of the above item according to the guide of the application. It may mean a photographed image. However, according to an embodiment of the present invention, the image obtained from the seller does not necessarily mean that the photograph was taken according to the guide, and it is possible to recognize the article corresponding to the object included in the image photographed without the guide. .

Furthermore, according to an embodiment of the present invention, the information about the goods obtained from the seller may further include information about the state of the goods. For example, according to an embodiment of the present invention, in the information about the state of the article, if the article has a flaw, abrasion, tear, discoloration, color transfer, etc., an image of at least a portion of the article is photographed. may be included. In addition, according to an embodiment of the present invention, in the information about the state of the goods, additional information input from the seller for the above part, for example, the marking (painting by hand, Display as a figure, etc.) and tags (tear tags, discoloration tags, etc.) may be further included. According to an embodiment of the present invention, the information on the goods obtained from the seller as described above may be provided as learning data of the artificial intelligence model used by the value estimator 210 according to the embodiment of the present invention. On the other hand, the information about the state of the goods obtained from the seller is not limited to the above, and may be variously changed within the scope that can achieve the object of the present invention.

Continuing, the value estimation unit 210 according to an embodiment of the present invention, when the image is obtained as above, R-CNN (Region-based Convolutional Neural Networks), YOLO (You Only Look Once), SSD (Single Shot multibox) Detector), etc., can be used to detect an object that is a target of value estimation in the image above. However, the object recognition model according to an embodiment of the present invention is not limited to those listed above, and may be variously changed within a range that can achieve the object of the present invention.

Continuing, the value estimator 210 according to an embodiment of the present invention may analyze the object detected as above and recognize which article the detected object specifically corresponds to. Here, it should be understood that the above recognition and detection are not necessarily divided into separate steps (or processes), and may be substantially simultaneously performed in one step (or process). And, according to an embodiment of the present invention, the value estimator 210 according to the embodiment of the present invention may refer to the information about the goods obtained from the seller when recognizing the goods as described above.

For example, it may be assumed that the item for consignment sales according to an embodiment of the present invention is a handbag. In this case, the value estimation unit 210 according to an embodiment of the present invention provides the seller with the brand, type (eg, shoulder bag, tote bag, etc.), material, pattern, size, state ( For example, by requesting to input (or selecting) information regarding scratches, wear, stains, discoloration, damage, deformation, etc., or by detecting or recognizing such information from images obtained from sellers using an object recognition model You can obtain information about the handbag above.

Continuing, for example, the value estimation unit 210 according to an embodiment of the present invention may include characteristic information of a handbag detected or recognized using an object recognition model (eg, the appearance, pattern, buckle, etc. of the handbag above). Specific information about the handbag, that is, corresponding to a certain model of a certain brand, by performing a comparison with corresponding information in a database about the handbag based on at least one of information about the handbag obtained from the seller and the shape of the metal part, etc.) can recognize that According to an embodiment of the present invention, a feature matching technique of OpenCV or the like may be used for the above comparison. However, the comparison technique according to an embodiment of the present invention is not limited to those listed above, and may be variously changed within a range that can achieve the object of the present invention.

And, the value estimating unit 210 according to an embodiment of the present invention may perform a function of estimating the value of the product when detailed information on the item to be sold on consignment is recognized as described above.

Specifically, in the database (not shown) according to an embodiment of the present invention, a new price for each individual product, a market price for a used product (eg, purchase price, sale price, resale price, etc.), depreciation rate, popularity and Information about at least one of recent sales may be included. The value estimator 210 according to an embodiment of the present invention may collect such information in real time or dynamically determine it, and may estimate the value of an item to be sold on the basis of this information.

Continuing, according to an embodiment of the present invention, the value of an article may be estimated as a specific value (eg, 5 million won), but may be estimated in a predetermined range (eg, 3 million won to 5 million won) have. In addition, the value estimating unit 210 according to the embodiment of the present invention estimates the grade (eg, A-class used goods, C-class used goods, etc.) of the item to be sold on consignment, and the estimated grade It is also possible to estimate the value of the above goods based on However, the method of estimating the value of an article according to an embodiment of the present invention is not limited to that described above, and may be variously changed within the scope capable of achieving the object of the present invention.

Here, according to an embodiment of the present invention, the above depreciation rate is the age (a more specific age than the production year, ie, production month, production date, etc. may be included.), state (eg, scratch, may be dynamically determined based on wear, staining, discoloration, damage, deformation, the number of such flaws (eg, the number of images with such flaws, the width of such flaws, etc.), popularity, and the like. In addition, according to an embodiment of the present invention, the above popularity may be dynamically determined based on a search trend index such as Google Trends, a search frequency, increase/decrease in search frequency for a specific period, an online community post, or the like.

Next, the contract management unit 220 according to an embodiment of the present invention, with reference to the value of the goods estimated by the value estimator 210 according to the embodiment of the present invention, the consignment sale of the above goods proceeds In this case, it may perform a function of determining the first compensation to be paid to the seller before the above goods are actually sold.

Specifically, the first compensation to be paid to the seller before the above goods are actually sold can be quickly paid by the seller requesting consignment sales through the service providing system 200 according to an embodiment of the present invention. It may mean a predetermined reward. Accordingly, according to an embodiment of the present invention, the seller can receive the first compensation immediately when it is decided to proceed with the consignment sale without having to wait for the item to be sold by consignment.

For example, according to an embodiment of the present invention, the above first compensation may include a minimum guaranteed compensation. In this case, the contract management unit 220 according to an embodiment of the present invention determines the minimum guaranteed compensation to be paid to the seller, and then refers to the actual state of the goods to the seller before the goods are actually sold. You can decide on additional rewards to be paid more. That is, in this case, the contract management unit 220 according to an embodiment of the present invention, based on the minimum guaranteed compensation and the additional compensation, the first compensation to be paid to the seller before the product is actually sold. can be decided

However, the method of determining the first compensation according to an embodiment of the present invention is not limited to that described above, and may be variously changed within the scope capable of achieving the object of the present invention.

Meanwhile, the contract management unit 220 according to an embodiment of the present invention may determine whether to proceed with the consignment sale of the above goods by referring to the feedback of the seller for the first reward determined as above. In addition, the contract management unit 220 according to an embodiment of the present invention, when the consignment sale of the above product is in progress, the above item is delivered from the above seller, and the above first compensation to the above seller This can be made to be paid. On the other hand, according to an embodiment of the present invention, it is also possible to pay the above first compensation to the above seller even before the above goods are delivered from the above seller, and when the above first compensation is paid, There are no special restrictions.

Specifically, the contract management unit 220 according to an embodiment of the present invention may propose the first reward determined as above to the seller through an application, etc. 1 In the case of accepting a consignment sale offer based on compensation), it may be decided to proceed with consignment sales for the above items. And, when it is determined to proceed with consignment sales, the goods management unit 230 according to an embodiment of the present invention determines the time and place for the goods to be delivered from the seller through an application or the like to the seller and/or the seller. Alternatively, it may be supported to be determined by the subject (eg, the operator of the service providing system 200) to which the above goods are delivered.

In addition, the article management unit 230 according to an embodiment of the present invention determines whether the goods subject to consignment sale correspond to genuine products (in particular, whether the goods subject to consignment sale are genuine goods, masterpieces, art works, precious metals and In the case of the same high-priced article, it may be treated as important.), the evaluation result regarding whether the value of the above item estimated by the value estimation unit 210 according to the embodiment of the present invention is appropriate, etc. It can be obtained by the receiving subject's device. In addition, the contract management unit 220 according to an embodiment of the present invention may make the above first compensation be paid to the seller based on the evaluation result.

On the other hand, according to an embodiment of the present invention, the goods management unit 230 according to an embodiment of the present invention provides the above subject with information about the place and time designated by the seller through the device of the subject receiving the goods. By doing so, the above entity can support the delivery of the above goods. In addition, by providing the seller with information on the time and place to send the parcel through the seller's device, it is possible to support the subject receiving the goods to receive the goods.

Continuing, according to an embodiment of the present invention, in the case of collection by visit, the first compensation may be paid at the visited place, and in the case of delivery by courier, the first compensation may be paid after the goods are received. And, according to an embodiment of the present invention, in both the case of door-to-door collection and delivery, the evaluation of the goods may be performed before the first compensation is paid. In addition, the subject to which the goods are delivered may use a separate application capable of interworking with at least some components of the service providing system 200 according to an embodiment of the present invention.

Meanwhile, it should be understood that when an item to be sold on consignment is delivered according to an embodiment of the present invention, the right to occupy the item is transferred, not the ownership of the item. That is, the subject (eg, the operator of the service providing system 200 ) to which the above goods are delivered may proceed with consignment sales in a state where ownership of the goods still remains with the seller even if the goods are delivered, Title to the goods may transfer directly from the seller to the buyer when the goods are actually sold. By allowing consignment sales without transfer of ownership to proceed in this way, it is possible to reduce the burden of taxes (eg, value-added tax) according to acquisition and retransfer of ownership, and the contract management unit 220 according to an embodiment of the present invention, As a result, it is possible to determine the first compensation described above and the second compensation to be described later as higher compensation than in the case of directly purchasing the above goods (ie, when the transfer of ownership to the above goods occurs).

On the other hand, the contract management unit 220 according to an embodiment of the present invention, when the item to be consigned sales is actually sold, the first compensation paid to the seller before the item is actually sold, the actual sale price, and the commission With reference to this, it is possible to perform a function of determining a second compensation to be paid to the seller after the above goods are actually sold.

Specifically, when it is decided to proceed with the consignment sale or a predetermined period (eg, a period during which consignment sale can be canceled) has elapsed from the determination, the contract management unit 220 according to an embodiment of the present invention ), may list or disclose the above items to the sale list so that consignment sales of the items are carried out. In this case, the selling price of the above product may be determined with reference to the value of the above product estimated by the value estimating unit 210 according to an embodiment of the present invention. And, according to an embodiment of the present invention, the sales process and results of the above goods may be disclosed to the seller through an application or the like.

Continuing, if the above goods are actually sold, the contract management unit 220 according to an embodiment of the present invention, the first compensation paid to the seller before the actual sale of the above goods from the actual sale price of the above goods and A compensation limiting a predetermined fee may be determined as a second compensation to be paid to the above seller. Here, the above fee may mean a fee according to the success of the consignment sale, and the contract management unit 220 according to an embodiment of the present invention, the period taken until the above product is actually sold, the above The above fee based on the actual sales price of the product, the difference between the first compensation and the actual sales price, and business factors (eg, whether an event is in progress, the type of corner where the product is sold in the online mall, etc.) can be decided

And, the contract management unit 220 according to an embodiment of the present invention, if the item to be consigned sale is not actually sold, the first compensation paid to the seller before the item is actually sold, with reference to the seller A function of determining a third compensation to be refunded may be performed.

For example, the contract management unit 220 according to an embodiment of the present invention performs consignment sales, but when an item subject to consignment sale is not sold for a predetermined period, before the item is actually sold, the seller A compensation obtained by adding a predetermined fee to the first compensation paid to the seller may be determined as a third compensation to be refunded from the seller. Here, the contract management unit 220 according to an embodiment of the present invention, the cost of appraisal and delivery of goods subject to consignment sale, cost of storage of goods subject to consignment sale, and consignment of the above goods The above fee may be determined based on actual expenses such as expenses (eg, photographing for sale, marketing preparation, etc.) for proceeding with the sale (or preparing for the proceeding).

However, according to an embodiment of the present invention, the third reward is not necessarily determined as an amount obtained by adding a predetermined fee to the first reward. For example, in the case where the product is not sold, compensation may be determined as the third compensation above, in the meaning of providing compensation for the above first compensation by deducting a predetermined fee from the above first compensation, and without a fee The reward itself may be determined as the above third reward.

On the other hand, the contract management unit 220 according to an embodiment of the present invention, when a period in which the seller can cancel the consignment sale for the goods subject to consignment sale is set, before the period expires, the When a cancellation request is generated from the seller, a function of determining a fourth compensation to be refunded from the seller may be performed with reference to the first compensation and fee paid to the seller before the goods are actually sold.

Specifically, when it is decided to proceed with the consignment sale and the above first compensation is paid to the seller, the contract management unit 220 according to an embodiment of the present invention allows the seller to cancel the consignment sale. A predetermined period can be set. And, if a cancellation request for the consignment sale occurs from the seller before the period expires, a reward obtained by adding a predetermined fee to the first reward may be determined as a fourth reward to be refunded from the seller. Here, the contract management unit 220 according to an embodiment of the present invention, the cost of appraisal and delivery of goods subject to consignment sale, cost of storage of goods subject to consignment sale, and consignment of the above goods The above fee may be determined based on actual expenses such as expenses (eg, photographing for sale, marketing preparation, etc.) for proceeding with the sale (or preparing for the proceeding).

However, according to an embodiment of the present invention, the fact that the period for canceling the consignment sale is set as described above does not necessarily mean that it is impossible to cancel the consignment sale when the period has elapsed, and can be canceled within the period In this case, the penalty for the cancellation is small, but it may mean that the penalty for the cancellation is large when the relevant period has elapsed.

On the other hand, the contract management unit 220 according to an embodiment of the present invention performs consignment sales, but when an item to be sold under consignment is not sold for a predetermined period, when a purchase request occurs from the seller, the above It may perform the function of determining a fifth reward to be paid to the seller (conversion of a partial prepaid consignment sale to a purchase).

Specifically, the contract management unit 220 according to an embodiment of the present invention provides the expected selling price of the above product (which may be the same as or similar to the selling price of an online mall) to the above seller before the above product is actually sold. The first compensation paid, the cost of appraisal and delivery of the above goods, the cost of storage of the above goods, and the cost of carrying out (or preparing for) the consignment sale of the above goods (for example, The above fifth compensation may be determined based on the cost of the purchase (eg, VAT) and the like). In this case, according to an embodiment of the present invention, the fifth compensation is the first compensation paid to the seller before the goods are actually sold and to the seller after the goods are actually sold. It may be determined as a reward less than the sum of the second rewards to be paid.

Meanwhile, various fees determined by the contract management unit 220 according to an embodiment of the present invention may be fixed fees or variable fees. In addition, the determination is not limited to the above-described determining factors, and may be determined by various determining factors that can be changed within the scope capable of achieving the object of the present invention.

Next, the communication unit 240 according to an embodiment of the present invention may perform a function of enabling data transmission/reception to/from the value estimation unit 210 , the contract management unit 220 , and the product management unit 230 . .

Finally, the control unit 250 according to an embodiment of the present invention performs a function of controlling the flow of data between the value estimation unit 210 , the contract management unit 220 , the product management unit 230 , and the communication unit 240 . can That is, the control unit 250 according to the present invention controls the data flow to/from the outside of the service providing system 200 or the data flow between each component of the service providing system 200, so that the value estimation unit 210, Each of the contract management unit 220 , the article management unit 230 , and the communication unit 240 may be controlled to perform a unique function.

At least some functions of each component of the service providing system 200 described above may be performed by at least one subject. Accordingly, at least some functions of each of the above components may be performed by a plurality of entities (eg, an operator of the service providing system 200 , a cooperative company of the operator, an outsourcing company of the operator, etc.) . In this case, the plurality of subjects may exchange various information described above through their respective devices, and applications for this may be interlocked with each other. For example, a first entity may implement and distribute an app or a web app performing the function of the price estimator 210 in a predetermined API format, and the second entity may distribute the above distributed app or web app. A service corresponding to the function of the contract management unit 220 or the goods management unit 230 (which may be implemented in the form of another app or a web app) may be operated using the app.

Second embodiment: mortgage loan service

5 to 7 are diagrams exemplarily illustrating a process in which a mortgage loan is performed according to an embodiment of the present invention. Hereinafter, a mortgage loan service according to an embodiment of the present invention will be described in detail with reference to FIGS. 5 to 7 .

First, the value estimator 210 according to an embodiment of the present invention may perform a function of recognizing the above goods based on information about the goods obtained from the borrower.

Specifically, according to an embodiment of the present invention, the information about the item obtained from the borrower includes at least one of information for recognizing the corresponding product, such as a product name and model name of the corresponding product, and an image of the corresponding product. can And, when the information about the goods obtained from the borrower is an image of the product, the value estimator 210 according to an embodiment of the present invention, the article corresponding to the object included in the image obtained from the borrower It can perform the function of recognizing Here, the image may refer to at least one still image, but is not limited thereto, and refers to the moving image itself, a still image extracted from the moving image using an artificial intelligence model, or other means that can express the article in a visual way. You may.

Continuing, according to an embodiment of the present invention, the image obtained from the borrower may mean an image of an article to be secured by the borrower device 300 . According to an embodiment of the present invention, such an image may be taken according to a guide provided through an application (not shown). For example, according to an embodiment of the present invention, the image above shows the borrower using the front, back, side, inside, specific part (eg, handle, buckle, etc.) of the above article according to the guide of the application. It may mean a photographed image. However, according to an embodiment of the present invention, it does not necessarily mean that the image obtained from the borrower is photographed according to the guide, and it is possible to recognize the article corresponding to the object included in the image photographed without the guide. .

Furthermore, according to an embodiment of the present invention, the information on the goods obtained from the borrower may further include information about the state of the goods. For example, according to an embodiment of the present invention, in the information about the state of the article, if the article has a flaw, abrasion, tear, discoloration, color transfer, etc., an image of at least a portion of the article is photographed. may be included. In addition, according to an embodiment of the present invention, in the information about the state of the article, additional information input from the borrower for the above part, for example, the marking (hand-painted, Display as a figure, etc.) and tags (tear tags, discoloration tags, etc.) may be further included. According to an embodiment of the present invention, the information about the goods obtained from the borrower as described above may be provided as learning data of the artificial intelligence model used by the value estimator 210 according to an embodiment of the present invention. On the other hand, the information about the state of the goods obtained from the borrower is not limited to the above, and may be variously changed within the scope that can achieve the object of the present invention.

Continuing, the value estimation unit 210 according to an embodiment of the present invention, when the image is obtained as above, R-CNN (Region-based Convolutional Neural Networks), YOLO (You Only Look Once), SSD (Single Shot multibox) Detector), etc., can be used to detect an object that is a target of value estimation in the image above. However, the object recognition model according to an embodiment of the present invention is not limited to those listed above, and may be variously changed within a range that can achieve the object of the present invention.

Continuing, the value estimator 210 according to an embodiment of the present invention may analyze the object detected as above and recognize which article the detected object specifically corresponds to. Here, it should be understood that the above recognition and detection are not necessarily divided into separate steps (or processes), and may be substantially simultaneously performed in one step (or process). And, according to an embodiment of the present invention, the value estimator 210 according to the embodiment of the present invention may refer to the information about the goods obtained from the borrower in recognizing the goods as described above.

For example, it may be assumed that the item to be secured according to an embodiment of the present invention is a handbag. In this case, the value estimation unit 210 according to an embodiment of the present invention provides the borrower through an application, etc. to the borrower with the brand, type (eg, shoulder bag, tote bag, etc.), material, pattern, size, state ( For example, by requesting to input (or selecting) information regarding scratches, wear, stains, discoloration, damage, deformation, etc., or by detecting or recognizing such information from images obtained from borrowers using an object recognition model. You can obtain information about the handbag above.

Continuing, for example, the value estimation unit 210 according to an embodiment of the present invention may include characteristic information of a handbag detected or recognized using an object recognition model (eg, the appearance, pattern, buckle, etc. of the handbag above). Specific information about the handbag, i.e., the specific information about the handbag, i.e., corresponding to a certain model of a certain brand, by performing a comparison with corresponding information in a database about the handbag based on at least one of the information about the handbag obtained from the borrower and the shape of the metal part, etc.) can recognize that According to an embodiment of the present invention, a feature matching technique of OpenCV or the like may be used for the above comparison. However, the comparison technique according to an embodiment of the present invention is not limited to those listed above, and may be variously changed within a range that can achieve the object of the present invention.

And, the value estimating unit 210 according to an embodiment of the present invention may perform a function of estimating the value of the item when detailed information on the item to be collateral is recognized as described above.

Specifically, in the database (not shown) according to an embodiment of the present invention, a new price for each individual product, a market price for a used product (eg, purchase price, sale price, resale price, etc.), depreciation rate, popularity and Information about at least one of recent sales may be included. The value estimator 210 according to an embodiment of the present invention may collect such information in real time or dynamically determine it, and may estimate the value of an article to be secured based on this information.

Continuing, according to an embodiment of the present invention, the value of an article may be estimated as a specific value (eg, 5 million won), but may be estimated in a predetermined range (eg, 3 million won to 5 million won) have. In addition, the value estimation unit 210 according to an embodiment of the present invention estimates the grade (eg, A-class used goods, C-class used goods, etc.) of the item to be secured, and the estimated grade Based on this, you can estimate the value of the above items. However, the method of estimating the value of an article according to an embodiment of the present invention is not limited to that described above, and may be variously changed within the scope capable of achieving the object of the present invention.

Here, according to an embodiment of the present invention, the above depreciation rate is the age (a more specific age than the production year, ie, production month, production date, etc. may be included.), state (eg, scratch, may be dynamically determined based on wear, staining, discoloration, damage, deformation, the number of such flaws (eg, the number of images with such flaws, the width of such flaws, etc.), popularity, and the like. In addition, according to an embodiment of the present invention, the above popularity may be dynamically determined based on a search trend index such as Google Trends, a search frequency, increase/decrease in search frequency for a specific period, an online community post, or the like.

Next, the contract management unit 220 according to an embodiment of the present invention refers to the value of the goods estimated by the value estimation unit 210 according to the embodiment of the present invention, and uses the above goods as collateral for the borrower. It can perform a function of determining the loanable amount that can be paid to the

In addition, the contract management unit 220 according to an embodiment of the present invention may determine whether to proceed with the loan by using the above item as collateral with reference to the borrower's feedback on the loanable amount determined as described above.

Specifically, the contract management unit 220 according to an embodiment of the present invention may propose the loanable amount determined as above to the borrower through an application or the like, and the borrower gives positive feedback (eg, loan Accepting a mortgage loan offer based on the available amount) may decide to proceed with the loan using the above items as collateral.

And, if it is determined to proceed with the secured loan, the article management unit 230 according to an embodiment of the present invention, based on the borrower's selection through an application, etc., the time for the article to be delivered from the borrower And it may perform a function of allowing the location to be determined.

Specifically, according to an embodiment of the present invention, the location for the goods to be delivered is designated by the borrower, such as a store that the borrower can select (including affiliate stores, member stores, etc.) and the address of the borrower. It may refer to a space where the above items can be delivered and appraised for the above items, such as a place for You may.

For example, according to an embodiment of the present invention, the article management unit 230 according to an embodiment of the present invention may provide the borrower with a list of stores that the borrower can select. And, when information about the store selected by the borrower is obtained through the borrower's device, the article management unit 230 according to an embodiment of the present invention provides information about the loan (image of the article, the value of the article, the loan limit amount, etc.) ) can be provided to the device of the selected store. And, the article management unit 230 according to an embodiment of the present invention, based on the evaluation result obtained from the device of the selected store, information (time, place, etc.) about the delivery of the article to the subject (store) receiving the delivery of the article It can be itself.) can be provided to the device.

For another example, according to an embodiment of the present invention, when the place for delivery of the item set as collateral means a kiosk, a storage box, etc. that can store the above item (ie, as shown in FIG. 7 ) In case of collateral loan using drop-off method), if the above item is located in the above location, it can perform the function of providing information on delivery and appraisal of the above item to the borrower. .

Continuing, for example, the article management unit 230 according to an embodiment of the present invention, when the borrower stores the article set as collateral in a kiosk, storage box, etc., the process in which the borrower is delivered the article, the evaluation result It is possible to provide the above borrower with an identification code, etc. that allows to check information such as the above. And, when the above identification code is obtained from the above borrower through the application, the item management unit 230 according to an embodiment of the present invention provides information on delivery and appraisal of the above item to the above borrower. can provide

Continuing, for example, the product management unit 230 according to an embodiment of the present invention delivers the loan-related information (image of the product, value of the product, loan limit amount, etc.) based on the above identification code, etc. It can be provided to the receiving subject's device. And, the article management unit 230 according to an embodiment of the present invention, when an appraisal result for the article is obtained from the device of the subject receiving the article, information on the appraisal result based on the above identification code, etc. can be provided to borrowers of

In addition, the article management unit 230 according to an embodiment of the present invention, whether the article to be collateral corresponds to the genuine article (in particular, whether the article is genuine, the article subject to collateral is a luxury item, art work, precious metal, etc.) It may be treated as important in the case of an article of the present invention), the subject to which the product is delivered It can be obtained by the device of And, the contract management unit 220 according to an embodiment of the present invention, based on the result of the evaluation, it is possible to make a loan payment to the borrower. On the other hand, according to an embodiment of the present invention, it is also possible to make a loan payment to the borrower even before the goods are delivered from the borrower, and there is no particular limitation on the time when the loan is paid.

On the other hand, according to an embodiment of the present invention, the goods management unit 230 according to an embodiment of the present invention provides the above subject with information about the place and time selected by the borrower through the device of the subject receiving the goods. By doing so, the above entity can support the delivery of the above goods. In addition, when the borrower uses a courier service, information on the time and place to send the parcel is provided to the borrower through the borrower's device, so that the subject receiving the goods can support the delivery of the goods.

Next, the communication unit 240 according to an embodiment of the present invention may perform a function of enabling data transmission/reception to/from the value estimation unit 210 , the contract management unit 220 , and the product management unit 230 . .

Finally, the control unit 250 according to an embodiment of the present invention performs a function of controlling the flow of data between the value estimation unit 210 , the contract management unit 220 , the product management unit 230 , and the communication unit 240 . can That is, the control unit 250 according to the present invention controls the data flow to/from the outside of the service providing system 200 or the data flow between each component of the service providing system 200, so that the value estimation unit 210, Each of the contract management unit 220 , the article management unit 230 , and the communication unit 240 may be controlled to perform a unique function.

At least some functions of each component of the service providing system 200 described above may be performed by at least one subject. Accordingly, at least some functions of each of the above components may be performed by a plurality of entities (eg, an operator of the service providing system 200 , a cooperative company of the operator, an outsourcing company of the operator, etc.) . In this case, the plurality of subjects may exchange various information described above through their respective devices, and applications for this may be interlocked with each other. For example, a first entity may implement and distribute an app or a web app performing the function of the price estimator 210 in a predetermined API format, and the second entity may distribute the above distributed app or web app. A service corresponding to the function of the contract management unit 220 or the goods management unit 230 (which may be implemented in the form of another app or a web app) may be operated using the app.

The embodiments according to the present invention described above may be implemented in the form of program instructions that can be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the computer-readable recording medium may be specially designed and configured for the present invention or may be known and used by those skilled in the computer software field. Examples of the computer-readable recording medium include hard disks, magnetic media such as floppy disks and magnetic tapes, optical recording media such as CD-ROMs and DVDs, and magneto-optical media such as floppy disks. medium), and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. A hardware device may be converted into one or more software modules to perform processing in accordance with the present invention, and vice versa.

In the above, the present invention has been described with reference to specific matters such as specific components and limited embodiments and drawings, but these are provided to help a more general understanding of the present invention, and the present invention is not limited to the above embodiments, and the present invention is not limited to the above embodiments. Those of ordinary skill in the art to which the invention pertains can make various modifications and changes from these descriptions.

Therefore, the spirit of the present invention should not be limited to the above-described embodiments, and the scope of the spirit of the present invention is not limited to the scope of the scope of the present invention. will be said to belong to

100: communication network
200: service providing system
210: value estimator
220: contract management department
230: goods management department
240: communication department
250: control unit
300: device

Claims (15)

A method implemented in a service providing system for supporting the sale of goods, the system comprising a value estimation unit, a contract management unit, and an article management unit;
determining, by the contract management unit, a first compensation to be paid to the seller before the goods are actually sold when the consignment sale for the goods is in progress, with reference to the value of the goods subject to consignment sale; and
determining, by the contract management unit, a second compensation to be paid to the seller after the product is actually sold, with reference to the first compensation, the actual sales price, and a commission when the product is actually sold;
In the first compensation determination step, the contract management unit causes the first compensation to be paid to the seller before the product is actually sold, when the consignment sale of the product is in progress;
In the second compensation determining step, the contract management unit determines, as the second compensation, a compensation by deducting the first compensation and the fee from the actual sales price.
Way. According to claim 1,
In the first compensation determining step, determining whether to proceed with the consignment sale of the product by referring to the feedback of the seller on the first compensation
Way. According to claim 1,
When the consignment sale of the item is in progress, the item is delivered from the seller
Way. According to claim 1,
The determining of the second compensation may further include, if the product is not actually sold, determining a third compensation to be refunded from the seller with reference to the first compensation
Way. According to claim 1,
In the first compensation determination step, estimating the value of the product based on information about the product obtained from the seller
Way. 6. The method of claim 5,
The information about the article includes an image of the article
Way. According to claim 1,
When a period is set for the seller to cancel the consignment sale for the goods, if a cancellation request occurs from the seller before the period expires, the seller may receive a refund from the seller with reference to the first compensation and fee to determine the fourth reward
Way. A method implemented in a service providing system for supporting a secured loan, the system comprising a value estimation unit, a contract management unit, and an article management unit;
determining, by the contract management unit, the loanable amount that can be paid to the borrower by using the item as collateral with reference to the value of the item to be secured; and
When the product management unit determines to proceed with the loan using the product as collateral with reference to the borrower's feedback on the loanable amount, the time and place for delivery of the product are determined based on the borrower's selection comprising the steps of making
In the time and place determination step, the goods management unit, when the goods are stored at the place, provides the borrower with an identification code that allows the borrower to check information on delivery and appraisal of the goods, and the identification providing information on delivery and appraisal of the goods to the borrower based on the code
Way. 9. The method of claim 8,
When a loan using the item as collateral is in progress, the item is delivered from the borrower, and the loan is paid to the borrower
Way. delete 9. The method of claim 8,
The determining of the loanable amount may include estimating the value of the product based on information about the product obtained from the borrower.
Way. 12. The method of claim 11,
The information about the article includes an image of the article
Way. A non-transitory computer-readable recording medium storing a computer program for executing the method according to any one of claims 1 to 8. A system for supporting the sale of goods, comprising:
With reference to the value of the goods subject to consignment sale, a first compensation to be paid to the seller is determined before the goods are actually sold when the consignment sale for the goods is in progress, and when the goods are actually sold, the first compensation is determined. 1 with reference to compensation, actual sales price, and commission, comprising a contract management unit that determines a second compensation to be paid to the seller after the goods are actually sold;
The contract management unit, when the consignment sale of the goods is in progress, causes the first compensation to be paid to the seller before the goods are actually sold;
The contract management unit is configured to determine, as the second compensation, a compensation limiting the first compensation and the fee from the actual sales price.
system. A system for supporting a secured loan, comprising:
A contract management unit that determines the loanable amount that can be paid to the borrower using the item as collateral with reference to the value of the item to be secured, and
When it is decided to proceed with the loan using the item as collateral by referring to the feedback of the borrower for the loanable amount, an article management unit configured to determine a time and place for delivery of the article based on the borrower's selection including,
The article management unit, when the article is stored in the place, provides the borrower with an identification code that allows the borrower to check information on delivery and appraisal of the article, and delivers the article based on the identification code and providing information about the appraisal to the borrower.
system.

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