KR102600158B1 - Reliability Analysis Method of Business Sales and Service Providing Server Used Therein - Google Patents

Abstract

A method for analyzing the reliability of business sales and a service providing server used therefor are disclosed. In the present invention, a service providing server receives credit card sales information at a business from a user terminal, and analyzes the acquaintance relationship between the payer and the business in the credit card sales information based on the SNS usage information of the business operating the business. It is implemented through the process of calculating the reliability of credit card sales information based on the results of analysis of the acquaintance relationship between the payer and the business operator. According to the present invention, it is possible to calculate the reliability of business sales presented by existing business operators, thereby activating various commercial real estate transactions involving key money.

Description

Reliability Analysis Method of Business Sales and Service Providing Server Used Therein}

The present invention relates to a method for analyzing the reliability of business sales and a service providing server used therefor. More specifically, it is possible to calculate the reliability of business sales presented by existing business operators, thereby enabling transactions of various commercial real estate involving key money. It relates to a reliability analysis method of business sales that can be activated and the service provision server used for this.

Key money refers to money or other valuables paid by a lessee, sub-lessee, or transferee of a lease right to a lessor, lessee, or transferor of a lease right in the event of a lease, sub-lease, or transfer of a lease right of commercial real estate.

For example, when a business owner who operates various businesses such as restaurants and cafes transfers his or her business to a third party, he or she is usually paid a key money.

There are many factors that determine such key money, but a significant portion is determined by the sales volume of the business.

As a result, the problem that business operators sometimes falsify and manipulate sales data in order to receive large premiums is raised. For example, in order to inflate the sales of a business, a business may use the method of making payments using the credit cards of acquaintances such as relatives or friends and paying the payment amount on behalf of the credit cards.

For this reason, there is a widespread perception that the sales amount and corresponding key money presented by existing business operators cannot be trusted in commercial real estate transactions, and this is acting as a cause of shrinking commercial real estate transactions.

Therefore, the purpose of the present invention is to provide a method for analyzing the reliability of business sales and the services used thereto, which enable transactions of various commercial real estate with key money to be activated by calculating the reliability of business sales presented by existing business operators. The purpose is to provide a provision server.

The problem to be solved by the present invention is not limited to the problems mentioned, and includes other technical problems that can be clearly understood by those skilled in the art from the following description.

The reliability analysis method of business sales according to the present invention for achieving the above object includes the steps of: (a) a service providing server receiving credit card sales information at a business from a user terminal; (b) the service providing server analyzing the acquaintance relationship between the payer and the business operator in the credit card sales information based on the SNS usage information of the business operator operating the business; and (c) the service providing server calculating the reliability of the credit card sales information based on an analysis result of an acquaintance relationship between the payer and the business operator.

Preferably, after step (a) but before step (b), the service providing server further includes the step of receiving SNS usage information of the business operator operating the business from the SNS server.

Additionally, in step (c), the service providing server calculates the reliability of the credit card sales information based on the payer's credit card usage history information.

Meanwhile, a service providing server according to the present invention includes a receiving unit that receives credit card sales information at a business location from a user terminal; And based on the SNS usage information of the business operator operating the business, the acquaintance relationship between the payer and the business operator in the credit card sales information is analyzed, and the credit is based on the analysis result of the acquaintance relationship between the payer and the business operator. It includes a calculation unit that calculates the reliability of card sales information.

In addition, the receiving unit is characterized in that it receives SNS usage information of the business operator operating the business from the SNS server.

In addition, the calculation unit is characterized in that it calculates the reliability of the credit card sales information based additionally on the payer's credit card usage history information.

According to the present invention, it is possible to calculate the reliability of business sales presented by existing business operators, thereby activating various commercial real estate transactions involving key money.

The effects of the present invention are not limited to the effects mentioned, and include other effects that can be clearly understood by those skilled in the art from the following description.

1 is a configuration diagram of a reliability analysis system for business sales according to an embodiment of the present invention;
Figure 2 is a functional block diagram showing the structure of a service providing server that executes a reliability analysis method of business sales according to an embodiment of the present invention;
Figure 3 is a signal flow diagram illustrating the execution process of the reliability analysis method of business sales according to an embodiment of the present invention, and
Figure 4 is a procedure flowchart explaining the detailed process of sales reliability analysis according to an embodiment of the present invention.

Hereinafter, the present invention will be described in more detail with reference to the drawings. It should be noted that like elements in the drawings are represented by like symbols wherever possible. Additionally, detailed descriptions of well-known functions and configurations that may unnecessarily obscure the gist of the present invention are omitted.

1 is a configuration diagram of a reliability analysis system for business sales according to an embodiment of the present invention. Referring to FIG. 1, the reliability analysis system for business sales according to an embodiment of the present invention includes a user terminal 100, a service providing server 200, an SNS server 300, and a card company server 400.

The user terminal 100 is a communication terminal such as a PC, smart phone, or smart pad owned by a user who uses the business sales reliability analysis service according to the present invention.

Such a user terminal 100 may be installed with a predetermined application program necessary to use the business sales reliability analysis service according to the present invention. In implementing the present invention, the user operates a business such as a restaurant, cafe, etc. This could be a business operator or a prospective acquirer of the business who wishes to verify the reliability of the business's sales.

The service providing server 200 is a server installed and operated by a service provider that provides a reliability analysis service for business sales according to the present invention. This service providing server 200 provides credit card sales information at the business. Receiving from the user terminal 100, analyzing the relationship between the payer and the business operator in the credit card sales information, and analyzing the relationship between the payer and the business operator and the credit card usage history information of the payer, Calculate reliability.

The SNS server 300 is a server that provides social network services such as KakaoTalk and Instagram to which business operators and credit card payers sign up and are active, and transmits the business operator's SNS usage information to the service providing server 200.

The card company server 400 is a server installed at the credit card company that issues and manages the credit card used by the payer for payment at the business. The card company server 400 records the usage details of the credit card used by the payer for payment at the business. Information is transmitted to the service provision server 200.

Figure 2 is a functional block diagram showing the structure of a service providing server 200 that executes a reliability analysis method of business sales according to an embodiment of the present invention. Referring to FIG. 2, the service providing server 200 that executes the reliability analysis method of business sales according to an embodiment of the present invention includes a reception unit 210, a storage unit 230, an operation unit 250, and a transmission unit 270. ) includes.

The receiving unit 210 receives a sales reliability analysis request including credit card sales information at the business from the user terminal 100, receives the business operator's SNS usage information from the SNS server 300, and receives information from the card company server 400. Receive information on the payer's credit card usage history.

The calculation unit 250 analyzes the relationship between the payer and the business operator that operates the business, which is confirmed through credit card sales information, and generates credit card sales based on the relationship analysis results between the payer and the business operator and the payer's credit card usage history information. Analyze the reliability of information.

The transmitter 270 transmits a request for providing SNS usage information including business information to the SNS server 300, and transmits a request for credit card usage history information including the credit card number used by the payer to the card company server 400, The sales reliability analysis result is transmitted to the user terminal 100.

Meanwhile, various reception information from the receiving unit 210, various analysis information from the calculating unit 250, and various transmission information from the transmitting unit 270 are accumulated and stored in the storage unit 230 of the service providing server 200.

This service providing server 200 is configured to communicate with the user terminal 100, SNS server 300, and card company server 400 through a communication network. The communication network provides a connection path so that the service providing server 200, the user terminal 100, the SNS server 300, and the card company server 400 can connect to each other and then transmit and receive packet data.

Communication networks include, for example, wired networks such as LANs (Local Area Networks), WANs (Wide Area Networks), MANs (Metropolitan Area Networks), and ISDNs (Integrated Service Digital Networks), or wireless networks such as wireless LANs, CDMA, Bluetooth, and satellite communications. may encompass, but the scope of the present invention is not limited thereto.

In addition, the service providing server 200 can provide an application (App) or a web (Web) environment in which the business sales reliability analysis service according to the present invention is implemented.

The service providing server 200 according to the present invention may be entirely hardware, or may be partially hardware and partially software. For example, the service providing server 200 of this specification and each module and unit included therein may collectively refer to a device for exchanging data of a specific format and content by electronic communication and software related thereto. there is.

Figure 3 is a signal flow diagram explaining the execution process of the reliability analysis method of business sales according to an embodiment of the present invention. Hereinafter, with reference to FIGS. 1 to 3, the execution process of the reliability analysis method of business sales according to an embodiment of the present invention will be described.

First, the user runs the application program installed on the user terminal 100 and then inputs credit card sales information for a predetermined period (e.g., one year, quarter, half-year, etc.) at the business where sales reliability is desired to be calculated. (S510).

In implementing the present invention, the user may additionally input the personal information of the business operator operating the business (for example, ID information on SNS where the business operator subscribes and is active) into the user terminal 100.

Credit card sales information may include total sales during the relevant period, payment amount for each credit card sale, payment date and time, credit card number, etc.

Accordingly, the receiving unit 210 of the service providing server 200 receives a sales reliability analysis request including credit card sales information and business personal information input by the user from the business operator terminal (S520).

Meanwhile, the service providing server 200 may transmit a request for the operator's SNS use information including the business personal information such as SNS ID information received from the user terminal 100 to the SNS server 300 (S530).

Accordingly, the SNS server 300 may search for the operator's SNS usage information based on the SNS ID information received from the service providing server 200 and transmit the retrieved SNS usage information to the service providing server 200 (S540) ).

Meanwhile, in implementing the present invention, when the SNS server 300 receives a request for the operator's SNS usage information from the service providing server 200 in step S530 described above, the SNS server 300 provides the service to a registered terminal such as a smartphone of the operator. When a request for consent to provide SNS usage information is transmitted to the provision server 200 and a consent message is received from the business operator, the above-described step S540 may be executed.

In implementing the present invention, the service provider's SNS usage information that the service providing server 200 receives from the SNS server 300 includes SNS users who are registered as friends through activities such as following on SNS with the business operator. The names of the above acquaintances and records of messages between each acquaintance and the business operator (including information on the number of messages and the date of message transmission, but excluding the content of the messages) may be included.

In addition, the operation unit 250 of the service providing server 200 extracts credit card identification information, such as a credit card number, included in the credit card sales information received from the user terminal 100 in step S520 described above, and extracts the extracted credit card identification information. A credit card usage history request including each credit card identification information may be transmitted to the card company server 400 (S550).

Accordingly, the card company server 400 searches for the usage history information of each credit card corresponding to each credit card identification information received from the service providing server 200, and transmits the retrieved credit card usage history information to the service providing server 200. You will be able to do it (S560).

Meanwhile, in implementing the present invention, when the card company server 400 receives a request for credit card usage details from the service providing server 200 in step S550 described above, the card company server 400 sends a registration terminal, such as a smart phone, to each credit card user. When a request for consent to provide credit card usage history information is transmitted to the service provision server 200 and a consent message is received from the credit card user, the above-described step S560 may be executed.

In implementing the present invention, the credit card usage history information that the service providing server 200 receives from the card company server 400 includes the credit card user's name and credit card payment record (business type, business number, business address, etc.) information, payment date and time, payment amount, etc.) may be included.

Meanwhile, the calculation unit 250 of the service providing server 200 records the business operator's SNS usage information received from the SNS server 300 in the above-described step S540 and the credit card usage details received from the card company server 400 in the above-described step S540. Based on the information, the reliability of credit card sales at the workplace can be calculated (S570).

Specifically, the calculation unit 250 of the service provision server 200 extracts the names of each credit card user from the credit card usage history information received from the card company server 400, thereby creating a list of customers who have made a credit card payment at the relevant business. You will be able to create (S571).

Next, the operation unit 250 of the service providing server 200 may first extract the names of the business operator's SNS acquaintances from the SNS usage information received from the SNS server 300 (S573).

In addition, in implementing the present invention, the calculation unit 250 of the service providing server 200 determines the message records with the business operator among the first extracted names of acquaintances within a predetermined reference period (for example, the last one month). It may be possible to secondary extract the names of acquaintances who exceed the standard number of times (for example, 10 times).

Meanwhile, the calculation unit 250 of the service providing server 200 searches the generated customer list for names that match the names of the acquaintances extracted first or second as described above, and selects those who are acquaintances of the business among the customers of the business. You will be able to extract customers (S575).

As a result, if the ratio between the number of names searched as matching the names of acquaintances in the customer list and the number of total names included in the customer list is determined to be more than a certain standard ratio (for example, 50%), the service providing server The calculation unit 250 of 200 may determine that credit card sales at the relevant business are unreliable sales formed based on a special relationship of an acquaintance of the business owner.

In addition, in implementing the present invention, the calculation unit 250 of the service providing server 200 determines the ratio of names included in the customer list that are determined to be inconsistent with the names of the business's acquaintances to the credit card at the business. It could also be generated as a sales reliability analysis value.

Meanwhile, in implementing the present invention, the operation unit 250 of the service providing server 200 extracts the names determined to match the names of the business operator's acquaintances from among the names included in the customer list, and extracts the extracted names (i.e. By analyzing the credit card usage history corresponding to each acquaintance's name, it may be possible to determine the validity of credit card sales at the workplace by the acquaintance.

Specifically, if the business number included in the credit card usage history of the extracted name is less than or equal to a predetermined standard number (for example, 2), the calculation unit 250 of the service providing server 200 operates the credit card at the business. It is determined that the name was issued at the request of the business for false sales, and the name is classified as a false customer name. However, if the business number exceeds a certain standard number, the name may be classified as a valid customer name. There will be (S577).

In addition, the calculation unit 250 of the service providing server 200 determines whether the payment time at the relevant business included in the credit card usage history is outside a predetermined standard time zone (for example, business hours from 9 a.m. to 10 p.m.). In this case, the name may be classified as a false customer name, but if the payment time is within a predetermined standard time period, the name may be classified as a valid customer name.

In addition, the calculation unit 250 of the service providing server 200 determines that if all business addresses included in the credit card usage history are within a predetermined standard radius (for example, 2 km), the credit card is used at the business. It is determined that it was issued at the request of the business for false sales, and the name is classified as a false customer name, but the business addresses included in the credit card usage details are within a certain standard radius (e.g., 2 km). In case of deviation, the name may be classified as a valid customer name.

The classification processing process as a false customer name as described above may be executed independently or sequentially, and the operation unit 250 of the service provision server 200 may calculate the number of names classified as false customer names and the customer list as described above. If it is determined that the ratio of the total number of names included in the business is more than a predetermined standard ratio (for example, 30%), the calculation unit 250 of the service providing server 200 determines that the credit card sales at the business are calculated by the business operator. It may be judged to be an unreliable sale made falsely based on a special relationship called an acquaintance.

In addition, in implementing the present invention, the calculation unit 250 of the service providing server 200 analyzes the reliability of credit card sales at the business by determining the proportion of names included in the customer list that are not classified as false customer names. It may also be created as a value (S579).

Meanwhile, the transmitting unit 270 of the service providing server 200 sends the reliability analysis result including the above analysis information such as the reliability analysis value of credit card sales generated in the above-described step S570, the ratio of valid customers, and the ratio of false customers to the user. It may be transmitted to the terminal 100 (S580).

In addition, in implementing the present invention, when the SNS server 300 transmits SNS usage information to the service providing server 200 in step S540 described above, the SNS server 300 uses the personal information encryption algorithm to enter the name of the business operator's acquaintance. It is transmitted in the form of a unique value converted through , and when the card company server 400 transmits the credit card usage history information to the service provision server 200 in the above-described step S560, the card company server 400 records the name of the card user. It may also be transmitted in the form of a unique value converted through the same encryption algorithm.

Accordingly, the service providing server 200 does not directly receive the name corresponding to personal information from the SNS server 300 and the card company server 400, but receives the name as a unique value converted through encryption processing, and both As it is possible to execute the above-described step S570 by determining whether the unique values of match (i.e., whether the names match), in implementing the present invention, names, etc. through the SNS server 300 and the card company server 400 The problem of personal information leakage will no longer occur.

In addition, in implementing the present invention, a program for executing the reliability analysis method of business sales according to the present invention is installed on the service providing server 200 according to the present invention, is recorded on various computer-readable recording media, or is installed on a network. It may be stored on the server that transmits the program.

In addition, the program according to the present invention may be distributed in a computer system connected to a network, and computer-readable code may be stored and executed in a distributed manner, and functional programs, codes, and code segments for implementing the present invention may be provided. These will be easily understood by those skilled in the art to which the present invention pertains.

Meanwhile, the order between the above-described steps (S510 to S580) in the present invention is only an example and is not limited thereto. That is, the order between the above-described steps (S510 to S580) may change, and some of the steps may be executed simultaneously or deleted.

The terms used in the present invention are only used to describe specific embodiments and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly dictates otherwise. In this application, terms such as “comprise” or “have” are intended to designate the presence of features, numbers, steps, operations, components, parts, or combinations thereof described in the specification, but are not intended to indicate the presence of one or more other features. It should be understood that this does not exclude in advance the possibility of the existence or addition of elements, numbers, steps, operations, components, parts, or combinations thereof.

In the above, preferred embodiments and application examples of the present invention have been shown and described, but the present invention is not limited to the specific embodiments and application examples described above, and the present invention is not limited to the gist of the present invention as claimed in the claims. Of course, various modifications can be made by those skilled in the art, and these modifications should not be understood individually from the technical idea or perspective of the present invention.

100: user terminal, 200: service providing server,
300: SNS server, 400: Card company server.

Claims (4)

(a) the service providing server receiving credit card sales information at the business site from the user terminal;
(b) the service providing server analyzing the acquaintance relationship between the payer and the business operator in the credit card sales information based on the SNS usage information of the business operator operating the business; and
(c) the service providing server calculating the reliability of the credit card sales information based on the results of analysis of the acquaintance relationship between the payer and the business operator and the credit card usage history information of the payer
Reliability analysis method of workplace sales including.
According to paragraph 1,
After step (a) and before step (b),
A method for analyzing reliability of business sales, further comprising the step of the service providing server receiving SNS usage information of a business operator operating the business from an SNS server.
A receiving unit that receives credit card sales information at the workplace from the user terminal; and
Based on the SNS usage information of the business operator operating the business, the acquaintance relationship between the payer and the business operator in the credit card sales information is analyzed, the acquaintance relationship analysis result between the payer and the business operator, and the payer's credit card Calculation unit that calculates the reliability of the credit card sales information based on usage history information
A service providing server including.
According to paragraph 3,
The receiving unit is a service providing server that receives SNS usage information of a business operator operating the business from an SNS server.