KR102576485B1 - Apparatus and method for calculating the range of interest rates that can be set by the seller and the possibility of recruiting investors using investor data and e-commerce seller data - Google Patents

Abstract

An estimating device is provided. The calculation device includes a setting unit that sets an interest rate applied to a seller requesting a selection calculation; and an analysis unit that calculates the feasibility of the selected calculation based on the interest rate, and the setting unit may set the seller's selection value to the interest rate.

Description

Apparatus and method for calculating the range of interest rates that can be set by the seller and the possibility of recruiting investors using investor data and e-commerce seller data using investor data and e-commerce seller data}

The present invention relates to an apparatus and method for calculating the interest rate range required when providing a pre-calculation service to a seller corresponding to a specific product.

The investment-linked pre-calculation service, which pays online sellers (sellers) in advance, has a fixed interest rate and the investment period cannot be predicted.

The main purpose of the pre-calculation service is to increase the liquidity of the seller's funds by settling the seller's funds in advance. However, in this case, sellers using the pre-calculation service cannot determine the interest rate on their own. Therefore, if an unreasonable interest rate is determined, the problem of fund liquidity cannot be solved due to delay or cancellation of investment fund raising.

Korean Patent Publication No. 2153405 discloses a pre-calculation technology that can settle product sales claims of product sellers registered in shopping malls in advance.

Korean Patent Publication No. 2153405

The present invention is intended to provide a calculation device and method that analyzes the seller's information and the investor's information together and suggests an interest rate range that the seller can select based on the analysis results.

The calculation device of the present invention includes a setting unit that sets the interest rate applied to the seller requesting the selection calculation; and an analysis unit that calculates the feasibility of the selected calculation based on the interest rate, and the setting unit may set the seller's selection value to the interest rate.

The calculation method of the present invention includes a setting step of setting the pre-calculation interest rate applied to the seller according to the selection value of the seller requesting pre-calculation; An analysis step of calculating the feasibility of the selected calculation based on the interest rate; A recruitment step of recruiting investors required for the selection calculation; It may include a settlement step of providing the pre-calculated amount to the seller when the investor's investment amount satisfies the pre-calculated amount.

According to the present invention, a seller of an online shopping mall can directly set the interest rate applied to the selection calculation.

Through this, the interest rate of the predetermined amount can affect not only the interest, but also the recruitment period of investors who invest the amount of the preselected amount. Therefore, the seller can use the interest rate he or she directly determines to determine and adjust the interest amount and the recruitment period, that is, the selection execution period. Through this, sellers can appropriately adjust fund liquidity to suit the surrounding environment.

1 is a schematic diagram showing the calculation device of the present invention.
Figure 2 is a flowchart showing the calculation method of the present invention.
Figure 3 is a flowchart showing the operation of the calculation device.
Figure 4 is a schematic diagram showing the selection menu provided to sellers.
Figure 5 is a schematic diagram showing another selection menu.
Figure 6 is a schematic diagram showing another selection menu.
7 is a diagram illustrating a computing device according to an embodiment of the present invention.

Below, with reference to the attached drawings, embodiments of the present invention will be described in detail so that those skilled in the art can easily implement the present invention. However, the present invention may be implemented in many different forms and is not limited to the embodiments described herein. In order to clearly explain the present invention in the drawings, parts that are not related to the description are omitted, and similar parts are given similar reference numerals throughout the specification.

In this specification, duplicate descriptions of the same components are omitted.

Also, in this specification, when a component is mentioned as being 'connected' or 'connected' to another component, it may be directly connected or connected to the other component, but may be connected to the other component in the middle. It should be understood that may exist. On the other hand, in this specification, when it is mentioned that a component is 'directly connected' or 'directly connected' to another component, it should be understood that there are no other components in between.

Additionally, the terms used in this specification are merely used to describe specific embodiments and are not intended to limit the present invention.

Also, in this specification, singular expressions may include plural expressions, unless the context clearly dictates otherwise.

In addition, in this specification, terms such as 'include' or 'have' are only intended to designate the presence of features, numbers, steps, operations, components, parts, or combinations thereof described in the specification, and one or more It should be understood that this does not exclude in advance the presence or addition of other features, numbers, steps, operations, components, parts, or combinations thereof.

Also, in this specification, the term 'and/or' includes a combination of a plurality of listed items or any of the plurality of listed items. In this specification, 'A or B' may include 'A', 'B', or 'both A and B'.

Additionally, in this specification, detailed descriptions of well-known functions and configurations that may obscure the gist of the present invention will be omitted.

Figure 1 is a schematic diagram showing a calculation device 100 of the present invention. Figure 2 is a flowchart showing the calculation method of the present invention. Figure 3 is a flowchart showing the operation of the calculation device 100. Figure 4 is a schematic diagram showing the selection menu provided to sellers. Figure 5 is a schematic diagram showing another selection menu. Figure 6 is a schematic diagram showing another selection menu.

The calculation device 100 shown in FIG. 1 may include a setting unit 110, an analysis unit 130, a settlement unit 150, and a recruitment unit 170.

The setting unit 110 can set the interest rate applied to the seller requesting the selection calculation. At this time, the setting unit 110 may set the seller's selection value as the interest rate of the pre-calculated interest rate. In other words, according to the setting unit 110, the seller can directly determine the interest rate related to the interest amount of the prepaid amount that the seller must pay.

Select payment may refer to a service that allows sellers of online shopping malls and sales malls to receive payment first without waiting until the settlement date. For example, in the case of online shopping malls and sales malls, the money paid by the buyer after purchasing the product is not paid to the seller immediately, but can be paid to the seller only when the settlement date arrives. At this time, by using preset calculation, the seller can receive payment of the sales price before the settlement date. It is an advance payment if the seller receives the money that he or she would otherwise receive anyway in a timely manner, and the seller needs to pay interest to the entity paying the advance payment. As a result, the advance payment is somewhat similar to a lending environment in which the seller lends the advance payment to the entity paying the advance payment, provides interest, and repays the principal on the settlement date.

Sellers requesting selection may visit or connect to a specific company that provides selection services. At this time, in order to provide the pre-calculation service to the seller, a specific company must have the pre-calculation amount available. At this time, the selected amount can be invested by various investors.

From an investor's perspective, he or she may hope to receive a high interest rate on his or her investment. Therefore, investors may have a tendency to invest their money in pre-calculated services with high interest rates.

Therefore, if the interest rate given to the selection amount of a seller who wishes to make a selection is high, investors who will participate in the selection can be recruited within a short period of time. This means that the selected calculation can be executed and realized as soon as possible after applying for the selected calculation.

On the other hand, if the interest rate given to the selected amount is low, it may be difficult to recruit investors to participate in the selected amount within a short period of time. This means that the selected calculation can be executed and realized after a long period of time has elapsed since the application for the selected calculation. In some cases, the recruitment of investors may not take place.

Considering this situation, a specific company that provides a selection service can analyze various information related to sellers and investors, and determine an interest rate that can satisfy both specific sellers and investors. The interest rate determined in this way may be a fixed value that cannot be adjusted by a specific seller. Therefore, if the seller does not like the interest rate, the seller cannot change the interest rate. In the end, sellers who do not like the interest rate determined by a specific company have no choice but to seek out a different interest rate from another company.

According to the calculation device 100 of the present invention, the setting unit 110 can set the seller's selection value as the interest rate, rather than the calculation value of a specific company. In other words, according to the present invention, the seller can freely select the interest rate.

The interest rate selected by the seller may be determined without considering investors, which may mean that the seller is exposed to an environment in which the selected amount cannot be raised. The analysis unit 130 can be used to allow the seller to freely select the interest rate and at the same time increase the possibility of realizing the selected line.

As an example, the analysis unit 130 may calculate the feasibility of the selected calculation based on the interest rate selected by the seller.

The calculation device 100 may provide the seller (specifically, the terminal 10 registered by the seller) with the feasibility of the selection calculated by the analysis unit 130 along with the seller's selection value. The seller can independently determine whether the interest rate he or she has selected is appropriate through the feasibility provided by the calculation device 100 and can adjust the interest rate within a feasible range.

In order for sellers and investors to trust and use the calculation device 100, the accuracy of the feasibility of the selection calculated by the analysis unit 130 needs to be guaranteed.

In order to accurately calculate feasibility, the analysis unit 130 can obtain investment information related to investors who provide the amount required for the selection calculation.

And, the analysis unit 130 can calculate the feasibility of the interest rate based on the investment information.

The analysis unit 130 can calculate the range of interest rates whose feasibility satisfies the first set value for sellers. For example, the first set value may be determined in percent (%) units. As an example, the first set value may be 70%. The first interest rate that satisfies 70% feasibility may be, for example, 7%.

The range of interest rates in which feasibility satisfies the first set value may generally mean an interest rate range with the first interest rate that can achieve the first set value as the lower limit. For example, when the first set value is 70%, the analysis unit 130 may set the interest rate range to be 7% or more, with the first interest rate of 7% as the lower limit.

The setting unit 110 may set the interest rate range calculated by the analysis unit 130, for example, an interest rate of 7% or more, as the first range that the seller can select (corresponding to the range of interest rates that the seller can select). .

The setting unit 110 may set the value selected by the seller within the first range as the interest rate. As a result, the seller can choose an interest rate within the first range that the investor can be somewhat satisfied with. Since the setting of the first range corresponds to a guide for realizing the selected calculation, it may be considered for the convenience of sellers who have difficulty knowing the current investment situation.

Meanwhile, measures can be put in place to prevent sellers who are unaware of the current investment situation from setting excessive interest rates to quickly attract investors and investment funds.

As an example, the analysis unit 130, which determines the lower limit of the interest rate range using the first set value, may determine the upper limit of the interest rate range within a range where the difference from the lower limit is within the second set value. As an example, the second set value may be 8%. With the upper limit undetermined, the range of interest rates that a seller can select can be from 7% to infinite. However, according to this embodiment, 15% obtained by adding the second set value of 8% to the lower limit of the first range of 7% may be determined as the upper limit of the first range.

As a result, the first range is 7% to 15%, and the seller can freely choose an interest rate within the first range.

Meanwhile, it is desirable for the first range to adaptively vary depending on the seller requesting the advance calculation at the current time and the investor investing the advance payment at the current time.

For example, if the seller's credit rating is high, it may make sense for the first range to be lower than 7% to 15%. If the tendency of investors who can invest at the current time is to invest only at high interest rates, it may be reasonable for the first range to be higher than 7% to 15%.

A default interest rate value may be calculated for setting the adaptive first range.

As an example, the analysis unit 130 may calculate a default interest rate for sellers. For example, an interest rate default may correspond to a traditional fixed interest rate charged to borrowers by a financial institution. For example, the default interest rate calculated for a specific seller may be 11%.

The setting unit 110 may set a first range having a value as low as the third set value as the lower limit and a value as high as the third set value as the upper limit based on the default interest rate value.

The setting unit 110 may set the value selected by the seller within the first range as the interest rate.

As an example, the third set value may be 4%. In this case, the first range may have a lower limit of 7%, which is 4% subtracted from the default value of 11%, and an upper limit of 15%, which is 4% added to the default value of 11%.

Regardless of whether the first range is set, the analysis unit 130 can predict the recruitment period corresponding to the period during which the selection calculation is realized based on the seller's selection value. The recruitment period may refer to the period of recruiting investors who will pay the selected amount, or may refer to the period of recruiting the selected amount from investors.

The setting unit 110 may provide feasibility and a recruitment period to sellers (including terminals 10 registered in advance by the seller). The unit of the recruitment period may be 'day', which is equivalent to 24 hours. Once the feasibility and recruitment period are provided, the seller can select the interest rate appropriately through the process of comparing the recruitment period with the desired period.

The setting unit 110 can provide feasibility and recruitment period to the seller using the calculation menu.

Figure 4 shows the first calculation menu m1. Figure 5 shows the second calculation menu m2. Figure 6 shows the third calculation menu m3.

The calculation menu may include first menus a, b, and c.

First menus b and c may include the first range.

The setting unit 110 can obtain the selection value selected by the seller through the calculation menu in real time.

The analysis unit 130 can calculate the recruitment period required to realize the selected value and the feasibility of realizing the selected value in real time.

The setting unit 110 may additionally include a second menu s including the recruitment period and feasibility calculated in real time by the analysis unit 130 in the calculation menu.

The first menu a included in the first calculation menu m1 may not include the first range. Due to the absence of the first range, the seller can freely enter the desired interest rate in the first menu a without limitation.

Users can freely set the interest rate they want using the feasibility of '95%' and the recruitment period of '2 days' displayed through the second menu s.

The first menu b included in the second calculation menu m2 may include a lower limit value b1 and an upper limit value b2 indicating the first range. The seller can select interest rate b3 only within the first range through the first menu b. The feasibility '9.0%' and the recruitment period '3 days' for the selected interest rate b3 can be displayed along with the first menu b through the second menu s.

The first menu c included in the third calculation menu m3 may include a graph that visually represents the first range.

The first menu c includes a lower limit value c1 and an upper limit value c2 representing the first range, and the seller can select the interest rate c3 only within the first range through the first menu c. The feasibility of the selected interest rate c3, the recruitment period 'normal', and 'high' may be displayed along with the first menu c through the second menu s. In the case of display using a graph, the default interest rate o may be additionally displayed fixedly.

The operation of the calculation device 100 can be described with reference to FIG. 3 . Figure 3 may show the operation of the analysis unit 130 and the setting unit 110.

The calculation device 100 includes first collection (S 211), basic screening (S 212), scraping (S 213), second collection (S 214), weighting (S 215), investment trend prediction (S 216), It can be operated in the following order: calculating interest rate (S 217), determining range (S 218), and providing probability of success (S 219).

The analysis unit 130 may receive an application from a seller corresponding to the selection applicant and collect the online shopping mall account information entered by the applicant (first collection).

The analysis unit 130 may perform a basic screening on the seller (basic screening).

Basic screening can be performed on the seller's basic information. Basic information may include at least one of the sales status of the seller's online shopping mall account, number of orders, product unit price, product category, return rate, and operating period.

For example, the analysis unit 130 may determine that the basic screening has been passed if sales have occurred within the last 7 days. If no sales have occurred within the last 7 days, the analysis unit 130 may reject the basic screening.

The analysis unit 130 may determine that the basic screening has been passed if the number of completed deliveries in the past week is more than the set number. If the number of completed deliveries in the past week is less than the set number, the analysis unit 130 may reject the basic screening.

The analysis unit 130 can perform additional screening (calculating interest rates) only for sellers who have passed the basic screening results.

Additional screening may be performed on the seller's additional information. Additional information may be collected or scraped prior to interest rate calculation (scraping). Additional information includes at least one of the following: receivable settlement date for the seller, sales trend, sales product rating, reviews, past pre-calculation service usage history, past pre-calculation service usage amount, delinquency history, interest rate history, deposit savings, and current standard interest rate. It can contain one.

The analysis unit 130 may collect investment information of investors providing the amount required for selection calculation as of the application date (second collection). Investment information includes the average investment interest rate of investors, investors holding deposits, investors scheduled to repay as of the application date, amount scheduled to be repaid in the current month, investment rate compared to total deposits, investor class distribution rate by product, investment amount by investor class, investment product interest rate data, investment product closing data by interest rate, It may include at least one of the following: investment product closing data by product type, investment product closing data by amount, deposit storage date, time from repayment date to reinvestment, visit cycle by investor class, reinvestment rate for the same product group, investment period, and deposit/withdrawal records. .

The analysis unit 130 can standardize and assign weights to basic information, additional information, and investment information.

The analysis unit 130 may calculate investment execution information (investment trend prediction) using standardized and weighted basic information, additional information, and investment information. The investment execution information may include at least one of the investment rate by investment amount held for each product group, the reinvestment rate of the same product group, the investment rate by product group, the number of investors by raised amount, and the investment rate by interest rate.

The analysis unit 130 can analyze the propensity of investors available for investment as of the application date using standardized and weighted basic information, additional information, investment information, and investment execution information (investment tendency prediction).

The analysis unit 130 can calculate the seller's rating through additional screening (interest rate calculation).

Based on the seller's rating, the analysis unit 130 can determine the default interest rate (range determination) through an interest rate table for each rating that reflects the interest rates of other banks and investment information.

The setting unit 110 may set a first range selectable by the seller based on the default interest rate (range determination).

The analysis unit 130 can calculate the feasibility of each interest rate based on the investor's propensity and investment information as of the application date for the interest rate that the seller can select within the first range (providing the probability of success).

The setting unit 110 can adaptively provide feasibility to the seller according to the seller's selection values (providing probability of success).

Returning to Figure 1, the recruitment unit 170 can recruit investors required for the seller's selection.

If the investor's investment satisfies the pre-calculated amount, the settlement unit 150 may provide the pre-calculated amount to the seller. The settlement unit 150 may provide the investor with an interest rate determined according to the interest rate selected by the seller.

The above calculation method can be performed by the calculation device 100 or a pre-calculation device provided by a specific company that provides pre-calculation services.

The calculation method may include a setting step, an analysis step (S 21), a recruitment step (S 22), and a settlement step (S 23).

The seller can communicate with the calculation device 100 through the terminal 10.

The seller can access the calculation device 100 using the terminal 10. When the seller operates the selection application menu, the terminal 10 can apply for the selection service to the selection device.

Application information requesting pre-calculation service may be obtained through the setting unit 110 or analysis unit 130.

The analysis unit 130 may analyze the application information and provide the terminal 10 with at least one of the first range, feasibility, and recruitment period that the seller can select based on the analysis results.

The seller selects an interest rate within the first range and the selection result may be provided to the setting unit 110.

In the setting stage, the pre-calculation interest rate applied to the seller can be set according to the selection of the seller requesting pre-calculation. The setting step may be performed by the setting unit 110.

The analysis step (S21) can calculate the feasibility of the selected calculation based on the interest rate. The analysis step (S21) may be performed by the analysis unit 130.

In the recruitment stage (S 22), once the seller's interest rate selection is completed, investors required for selection can be recruited (S 22). The recruitment step (S 22) may be collected by the recruitment unit 170. The recruitment unit 170 may transmit recruitment information including the current recruitment status to the terminal 10 in real time.

In the settlement stage (S 23), if the investor's investment satisfies the pre-calculation, the pre-calculation amount can be provided to the seller. The settlement step (S23) may be performed by the settlement unit 150.

7 is a diagram illustrating a computing device according to an embodiment of the present invention. The computing device TN100 of FIG. 7 may be a device described herein (eg, calculation device 100, etc.).

In the embodiment of FIG. 7, the computing device TN100 may include at least one processor TN110, a transceiver device TN120, and a memory TN130. Additionally, the computing device TN100 may further include a storage device TN140, an input interface device TN150, an output interface device TN160, etc. Components included in the computing device TN100 may be connected by a bus TN170 and communicate with each other.

The processor TN110 may execute a program command stored in at least one of the memory TN130 and the storage device TN140. The processor TN110 may refer to a central processing unit (CPU), a graphics processing unit (GPU), or a dedicated processor on which methods according to embodiments of the present invention are performed. Processor TN110 may be configured to implement procedures, functions, and methods described in connection with embodiments of the present invention. The processor TN110 may control each component of the computing device TN100.

Each of the memory TN130 and the storage device TN140 can store various information related to the operation of the processor TN110. Each of the memory TN130 and the storage device TN140 may be comprised of at least one of a volatile storage medium and a non-volatile storage medium. For example, the memory TN130 may be comprised of at least one of read only memory (ROM) and random access memory (RAM).

The transceiving device TN120 can transmit or receive wired signals or wireless signals. The transmitting and receiving device (TN120) can be connected to a network and perform communication.

Meanwhile, the embodiments of the present invention are not only implemented through the apparatus and/or method described so far, but may also be implemented through a program that realizes the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded. This implementation can be easily implemented by anyone skilled in the art from the description of the above-described embodiments.

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

10...Terminal 100...Calculation device
110...setting unit 130...analysis unit
150...Settlement Department 170...Recruitment Department

Claims (10)

A setting unit that sets the interest rate applied to the seller requesting the selection calculation;
It includes an analysis unit that calculates the feasibility of the selected calculation based on the interest rate,
The setting unit sets the seller's selection value to the interest rate,
The analysis department performs a basic screening of the seller,
The basic screening is conducted on the seller's basic information,
The analysis department performs additional screening only for sellers who passed the basic screening results,
The additional screening is performed on the seller's additional information,
The analysis department collects investment information of investors who provide the amount required for the selection calculation as of the date of application,
The analysis unit standardizes and weights the basic information, the additional information, and the investment information,
The analysis unit calculates investment execution information using the standardized and weighted basic information, the additional information, and the investment information,
The analysis unit analyzes the propensity of investors capable of investing as of the application date using the standardized and weighted basic information, the additional information, the investment information, and the investment execution information,
The analysis unit calculates the seller's rating through the additional screening,
Based on the grade, the analysis unit determines the default interest rate through an interest rate table for each grade that reflects other bank interest rates and investment information,
The setting unit sets a first range selectable by the seller based on the default interest rate,
The analysis unit calculates the feasibility of interest rates for each interest rate that the seller can select within the first range based on the investor's propensity and investment information as of the application date,
The setting unit adaptively provides the feasibility to the seller according to the seller's selection values,
The basic information includes at least one of the sales status of the seller's online shopping mall account, number of orders, product unit price, product category, return rate, and operating period,
The above additional information includes the receivable settlement date for the seller, sales trend, product rating for sale, reviews, past pre-calculation service usage history, past pre-calculation service usage amount, delinquency history, interest rate details, deposit savings, and current base interest rate. Contains at least one of
The above investment information includes the average investment interest rate of investors, investors holding deposits, investors scheduled to repay as of the date of application, amount scheduled to be repaid in the current month, investment rate compared to total deposits, investor class distribution rate by product, investment amount by investor class, investment product interest rate data, and investment product closing data by interest rate. , Investment product closing data by product type, investment product closing data by amount, deposit storage date, time from repayment date to reinvestment, visit cycle by investor class, reinvestment rate for the same product group, investment period, deposit and withdrawal records, and at least one of the following,
The investment execution information is a calculation device that includes at least one of the investment rate by investment amount held for each product group, the reinvestment rate of the same product group, the investment rate by product group, the number of investors by raised amount, and the investment rate by interest rate.
delete delete delete According to paragraph 1,
A calculation device wherein the setting unit sets the first range to have a value as low as a third setting value as a lower limit and a value as high as the third setting value as an upper limit, based on the basic interest rate value.
According to paragraph 1,
The analysis unit predicts a recruitment period corresponding to the period in which the selection calculation is realized based on the seller's selection value,
The setting unit is a calculation device that provides the feasibility and the recruitment period to the seller.
According to paragraph 1,
The setting unit provides a calculation menu including a first menu to the seller,
The first menu includes the first range,
The setting unit obtains in real time the selection value selected by the seller through the calculation menu,
The analysis unit calculates the recruitment period required to realize the selection value and the feasibility of realizing the selection value in real time,
The setting unit is a calculation device in which a second menu including the recruitment period and the feasibility calculated in real time by the analysis unit is additionally included in the calculation menu.
delete According to paragraph 1,
A calculation device equipped with a recruitment department that recruits investors required for the seller's selection calculation, and a settlement unit that provides the selection amount to the seller when the investor's investment amount satisfies the selection amount.
In the calculation method performed by the calculation device,
A setting step of setting the pre-calculation interest rate applied to the seller according to the selection value of the seller requesting pre-calculation;
An analysis step of calculating the feasibility of the selected calculation based on the interest rate;
A recruitment step of recruiting investors required for the selection calculation;
A settlement step of providing the pre-calculated amount to the seller when the investor's investment satisfies the pre-calculated amount,
The analysis step performs a basic screening of the seller,
The basic screening is conducted on the seller's basic information,
In the analysis step, additional screening is performed on only those sellers who passed the basic screening results,
The additional screening is performed on the seller's additional information,
The analysis step collects the investment information of investors who provide the amount necessary for the selection calculation as of the date of application,
The analysis step standardizes and weights the basic information, the additional information, and the investment information,
The analysis step calculates investment execution information using the standardized and weighted basic information, the additional information, and the investment information,
The analysis step analyzes the propensity of investors capable of investing as of the date of application using the standardized and weighted basic information, additional information, investment information, and investment execution information,
The analysis step calculates the seller's rating through the additional screening,
In the analysis step, based on the rating, the default interest rate is determined through an interest rate table for each rating that reflects the interest rates of other banks and investment information,
The setting step sets a first range selectable by the seller based on the default interest rate,
In the analysis step, the seller calculates the feasibility of interest rates for each interest rate that can be selected within the first range based on the investor's propensity and investment information as of the application date,
The setting step adaptively provides the feasibility to the seller according to the seller's selection values,
The basic information includes at least one of the sales status of the seller's online shopping mall account, number of orders, product unit price, product category, return rate, and operating period,
The above additional information includes the receivable settlement date for the seller, sales trend, product rating for sale, reviews, past pre-calculation service usage history, past pre-calculation service usage amount, delinquency history, interest rate details, deposit savings, and current base interest rate. Contains at least one of
The above investment information includes the average investment interest rate of investors, investors holding deposits, investors scheduled to repay as of the date of application, amount scheduled to be repaid in the current month, investment rate compared to total deposits, investor class distribution rate by product, investment amount by investor class, investment product interest rate data, and investment product closing data by interest rate. , Investment product closing data by product type, investment product closing data by amount, deposit storage date, time from repayment date to reinvestment, visit cycle by investor class, reinvestment rate for the same product group, investment period, deposit and withdrawal records, and at least one of the following,
The investment execution information is a calculation method that includes at least one of the investment rate by investment amount held for each product group, the reinvestment rate of the same product group, the investment rate by product group, the number of investors by raised amount, and the investment rate by interest rate.

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