KR20060039326A - System for providing service of inauguration and management consult using credit payment system - Google Patents

Abstract

The present invention provides sales and customer information for each business area and type of business based on the sales information requested for approval through the credit card payment system, and can support not only the establishment of small businesses but also the business management after the establishment. In order to provide a method and system for providing a start-up and management support service using the above, the technical configuration is a start-up and management support service providing system for providing a start-up and management support services to merchants in conjunction with a credit card payment system, the credit Basic data collection means for receiving information and approval details of affiliated stores from a card payment system, receiving local information and weather information required for business area analysis where the affiliated store is located, and establishing a basic data warehouse for analysis and diagnosis; After reducing the data by eliminating outliers from the data warehouse built by the basic data collection means, multi-dimensional analysis of regions, industries, business districts, time series, and sales factors, and multi-dimensional analysis of information for business analysis Analyzing means; A data mart construction means for adding a time series element to information for management analysis extracted by the analysis means and classifying the data mart into a market analysis, sales analysis, and customer analysis result; And a service providing means for providing the management analysis information established by the data mart building means to a user in a web, mobile, or offline manner.

Credit card payment system, informatization, sales analysis, business analysis,

Description

System for providing service of inauguration and management consult using credit payment system}

1 is a configuration diagram of a management service providing system according to the present invention.

2 is a flowchart illustrating a method of providing a management service according to the present invention.

3 shows an analysis service item provided by a management service according to the present invention.

4 shows a data processing method for providing a business management service according to the present invention.

5 shows service items provided for business management according to the present invention.

6A and 6B compare the decision making process of the conventional small business and the decision making process after applying the service according to the present invention.

Explanation of symbols on the main parts of the drawings

10: wired / wireless / communication network 20: affiliated store group

30: Startup business group 40: VAN business

50: Data warehouse

60: analysis processing unit 70: data mart implementation unit

80: service provider

The present invention provides sales and customer information for each business area and type of business based on the sales information requested for approval through the credit card payment system, and can support not only the establishment of small businesses but also the business management after the establishment. The present invention relates to a method and a system for providing start-up and management support services.

Of the total businesses operating in Korea, the average number of employees is out of life, and the ratio of small business owners operating in small capital accounts for more than 80%, which is a big part of the economy.In recent years, retirees and unemployed workers have increased their willingness to start small businesses. It's growing.

However, according to statistical information, the probability of small business owners failing within 3 years after establishment reaches 52.6%, of which 28% is known to go bankrupt in less than 1 year, indicating that the probability of success after establishment is very low. . In addition, due to the rapid change in recent social trends, many industries have been changed after a predetermined period.

As such, the reason for the high probability of failure after small business start-up is the weakness of fundamental information level of management and management activities, and the lack of capital and experience may be one cause.

In this regard, online entrepreneurship or management support methods have been proposed and serviced to small businesses with insufficient experience and knowledge to support entrepreneurship and management online.

The entrepreneurship support system and its method proposed in the Republic of Korea Patent Publication No. 2003-0032532 are one of the existing support methods for entrepreneurship, and its technical configuration includes at least one member company information that provides predetermined member company information related to the establishment of a franchise. A franchise company member server and an operator server connected to a user computer and a bank network used by an individual investor through a predetermined communication network are provided with an operator server that provides start-up support services to the individual investor. The operator server is connected to the member company server, the user computer and the bank network. Network connection means for communication connection to perform data transmission and reception, member information processing means for receiving at least one franchise company as a member company and receiving the member company information, and member information processing means for joining an individual investor as a founding member, and starting the same member company At least one selected for investment Entrepreneurship information processing means for registering my founding members as a startup group, sales information processing means for managing sales information including sales revenue / profit / loss information of merchants opened in accordance with the investment of the founding group, and interworking with the bank network And a dividend processing means for executing a dividend processing according to the operating profit and loss of the affiliated store to a founding member of the founding group.

As described above, the existing method connects investors, franchises, accountants, and consulting firms related to the start-up and management through a communication network so that users can easily obtain the start-up and management information online. In order to get advice on start-ups and management, a user is required to input necessary information such as sales information.

As described above, the conventionally proposed method has a problem of deteriorating the accuracy of the basic information and lowering the reliability of the diagnosis result because the management diagnosis or the start-up support is made based on the information directly provided by the user. There was an inconvenience in having to continuously input or provide relevant data.

In addition, the proposed method lacked basic data for management diagnosis or start-up support, and could not provide information that could be practically helpful, such as an objective comparison or analysis of the same industry.

In particular, many small businesses have felt the need for informatization for efficient management, but information is not being made due to lack of capital and lack of manpower, which causes many difficulties in management.

The present invention has been proposed in order to solve the above-mentioned conventional problems, and its purpose is to provide sales and customer information for each business and industry based on the sales information requested for approval through a credit card payment system, thereby supporting the establishment of small businesses. Rather, it is to provide a method and system for providing start-up and management support services using a credit card payment system that can continuously support business management after the start-up.

In addition, another object of the present invention is to start-up and management using a credit card payment system that can provide the management information to the user by extracting the sales information from the credit card payment system without extra effort such as providing data or input to the user It is to provide a support service providing method and system.

As a constituent means for achieving the above object, the present invention provides a start-up and management support service providing system for providing a start-up and management support services to merchants in conjunction with a credit card payment system,

Basic data collection means for receiving the information and approval history of the merchant from the credit card payment system, receiving the local information and weather information required for the business district analysis where the merchant is located, and establishing a basic data warehouse for analysis and diagnosis ;

After reducing the data by eliminating outliers from the data warehouse built by the basic data collection means, multi-dimensional analysis of regions, industries, business districts, time series, and sales factors, and multi-dimensional analysis of information for business analysis Analyzing means;

A data mart construction means for adding a time series element to information for management analysis extracted by the analysis means and classifying the data mart into a market analysis, sales analysis, and customer analysis result; And

It includes a service providing means for providing the management analysis information built by the data mart building means to the user in a web, mobile, offline manner.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description and the accompanying drawings, detailed descriptions of well-known functions and configurations that may unnecessarily obscure the subject matter of the present invention will be omitted, and the same reference numerals are used for components having the same functions.

1 is a block diagram showing a schematic configuration of a system for providing a start-up and business management service according to the present invention.

Referring to FIG. 1, the system for providing a business for start-up and management management of the present invention is connected to a wired / wireless communication network 10 and the wired / wireless communication network 10 to process a payment approval request of a credit card affiliated store, and the processing result and the affiliated store. VAN system 40 for managing the information, the card payment approval information of each merchant processed by the VAN system 40, the data of the merchant and the area and weather information required for commercial business analysis collected and databased data Data collected collectively in the DW 50 by applying a warehouse such as a data warehouse (hereinafter referred to as a DW) 50 and an analysis method such as data analysis and data mining. The data mart which analyzes and extracts the information, and a data mart which makes a database of market analysis, sales analysis and customer analysis result by adding time series elements to the extracted results of the analysis system 60 (d ata mart, hereinafter referred to as DM) 70, and a service providing unit 80 that provides a user with a method required by the user, such as web, mobile, offline, etc. Is done.

The user using the service provided by the system can be a registered merchant 20 as well as affiliated merchants 20 for credit card payment. In addition, the affiliated shop 20 and the entrepreneur 30 have terminals 21 and 31 connected to the wired / wireless communication network 10 to receive information from the service provider 80.

In the above system, the VAN system 40 processes credit card payment authorization requests from credit card payment terminals (not shown) provided in a plurality of affiliates in conjunction with a system of a financial institution (card issuing institution). VAN server 41 for processing the request, and the merchant management server 42 for managing the information of merchants subscribed to the credit card payment service using the VAN system 40, the existing credit card It is built for payment approval. The VAN system 40 is to obtain the information (business type, location, etc.) of the merchant and sales information generated from the credit card authorization process, the present invention from the card company or financial institution approval system instead of the VAN system 40 You can also get this information.

The DW 50 is built vertically on the basic data required for analyzing the information (commerce, industry, sales trends, etc.) required for the start-up and management to the user, basically can analyze the attributes of the merchant Merchant store information DB (51) that is provided from the merchant management server 42 of the VAN system 40 as well as the exact type and address, as well as detailed information of the credit card merchants, such as additional information such as the size (square), the number of employees And a sales information database 52 which is a database of credit card authorization information processed by the VAN server 41, and further comprising a database of characteristics of a service providing area and a commercial area for providing analysis information for each commercial area. The information DB 53 and a weather information DB 54 which has databased weather information such as daily precipitation and temperature of the service area for analysis processing related to the weather of the service area; Other information required for management management and start-up support, for example, the commercial information, the knowledge of the founding experts, the existing start-up information, and other information DB (55) which is a database of additional information such as the economic index.

In the construction of the DW 50, the present invention operates in connection with a credit card payment system such as the VAN system 40, thereby automatically collecting the user's business information and sales information, so that both users and operators Convenience can be provided.

Numerous data collected in the DW 50 are analyzed / processed by the analysis system 60 to extract information related to entrepreneurship / management support that can be provided to the user.

By the analysis system 60, the analyzed results are databased so that they can be provided to users at the DM 70.

The DM (70) is a database of the results from the analysis system 60 composed of the factors (fact) and dimensions (dimension) for the service purpose of the present invention, a data mining technique such as segmentation of the merchant information Analyzing the merchant attribute analysis result DB (71), the sales analysis result DB 72 for each merchant, which is obtained by mining the sales information into a time series and the affiliate attribute, and time-series analysis of local information and merchant attribute And a regional analysis result DB 73 that grades regional characteristics, and an integrated result DB 74 that derives new characteristics related to each affiliated store by mining commercial and professional information at various angles.

In addition, the DM 70 is a query for retrieving information corresponding to the query from the large amount of data constructed in the analysis results DB (71 ~ 74) so that the user can directly find the desired information in the DM 70 A server and an automatic analysis system 75 are provided. In the present invention, in order to obtain a quick query result from a large amount of data, by separately building OLAP (Online Analytical Processing) to improve the query speed and system safety, and through the automatic analysis system, the case to the user to determine the query results Interpret so that the user can accurately grasp the content without expert assistance.

The service providing unit 80 is a means for providing the start-up and sales information databased in the DM 70 to the merchant 20 and the start-up operator 30 as a user, such as web, mobile, postal mail, etc. In order to provide information in a variety of ways, to improve the access service through the Internet to the merchants 20 and start-up operators 30 through the Internet and in conjunction with the query server and automatic analysis system 75 DM (70) Provides information via SMS or wireless Internet method to the mobile server (not shown) provided in the web server 81 for providing the necessary information from the data stored in the web via the web, and the merchant 20 and the start-up operator 30 side The mobile system 82 and the output system 83 outputting the analysis information built in the DM 70 on the ground and providing it to the affiliated shop 20 or the entrepreneur 30 in an offline manner such as mail. It includes.

FIG. 2 is a flowchart illustrating a method for providing start-up and management support services based on the system shown in FIG. 1.

Referring to FIG. 2, first, a range of an area where a service is provided for providing information related to characteristics of a commercial area is set (S210). Here, service range represents the regional range which analytical process is possible. The set range is classified into multiple zones according to commercial rights.

As described above, if the service range is set, the base data required to provide comprehensive information such as business analysis, sales analysis, customer analysis, etc. to the user within the service range is collected and databased (S220).

In the data collection step (S200), the user information (ie, merchant information) may use the merchant information managed by a credit card payment system such as the VAN system 40 as it is. The merchant information is entered into the VAN system 40 newly registered merchant information, such as VAN dealerships that perform tasks such as recruitment of merchants, it is possible to know the basic information, type of business, location, size, number of employees and the like.

The sales information may use the approval result data that is processed and stored in a credit card payment system such as the VAN system 40, and in another way, whenever the VAN system 40 receives and processes the approval request, The approved transaction details may be collected and databased. From the approval details collected as described above, the user's (merchant) 's sales, customer information, etc. can be known.

Professional business and business information, local information, weather, and other information are externally entered.

When all the necessary basic information is collected as described above, it is analyzed, and the market (trademark), sales, and customer characteristics related to the user are analyzed (S230), and the analysis results are databased to establish DM (S240).

The analyzing step S230 is to analyze the collected data according to the service purpose, and may be performed using various known analysis techniques, for example, data analysis and data mining. For example, in the market analysis, as shown in FIG. 3 (a), a business characteristic analysis, merchant information, and sales, which examine a functional relationship between change in demand and sales increase and decrease, as shown in FIG. Analyzing the life cycle of the industry to determine the introduction, growth, high season, and decline of the industry from the information, analysis of the economic sensitivity of the industry to quantify the response to the economy by the sector's sales change trend obtained from the merchant information, average transaction price, re-visit rate Regional consumption pattern analysis, which analyzes consumption patterns of the commercial areas from the change in sales, and regional consumption level analysis to determine the optimal commercial selection criteria through location analysis of the top 30% of each business type. As shown in 3 (b), comparing the transaction price of a merchant with other merchants of the same industry. Radan price analysis, sales trend analysis analyzing the sales trend of the affiliate compared to other affiliates of the same industry, time series sales analysis analyzing the change of trading frequency over time, and top merchant comparison comparing the sales for the top 30% in the same industry The cause analysis includes analyzing the cause of the sales gap between the upper group of the same industry and the affiliated store. The customer analysis includes the ratio and the change rate of the loyalty customer in the affiliated store as shown in FIG. Loyalty customer analysis to analyze the propensity, customer loyalty analysis to analyze the distribution of regular customers by the number of visits of merchants, and customer propensity analysis to analyze the propensity of customers to visit the merchant.

Various analysis results analyzed as described above are databased in the DM 70.

The process of constructing the DM 70 by analyzing the data in the step (S230,240) is shown in Figure 4 when shown schematically.

That is, in the system configuration shown in FIG. 1, data analysis, data mining, querying and automatic data, merchant information, region, industry type, business district, weather, time information, and credit card sales information included in the DW 50 are provided. The DM 70 is constructed by processing such as analysis.

The data analysis process includes an outlier analysis technique that identifies the characteristics of the data separated by outliers and analyzes whether the data identified as outliers are included or controlled in the model estimation, and the continuous data as discrete data. After removing outliers through transforming binning and binning them, the correlation is analyzed through correlation analysis that analyzes the relation and direction between two variables to select the main variables for rating the merchants and use the correlations between the variables. Merchants through time series analysis (ARIMA) algorithm that generates explanatory factors for sales analysis and forecasting through factor analysis to distinguish similar variables from each other, and predicts future sales by considering factors affecting past patterns and sales Estimates for accurate sales forecasting of revenues, and classify The building geupbyeol marketing materials.

As such, when the DM 70 for the start-up and management support is established, it finds the corresponding information among the information established in the DM 70 and provides a service required by the affiliate store (S250).

The services provided are related to the start-up and management support of merchants. Based on the collected information, the analysis service provides information related to the management of merchants, prescribes methods to solve problems according to the analysis results, and appropriate management. Prescription and recommendation service recommending directions, target management by analyzing the balance of merchants, target / risk management service that informs risks, campaign management service that analyzes and provides effects on campaigns performed for the purpose of increasing sales This includes information providing services that provide information and news related to nearby commercial areas and provide community services by industry. 5 illustrates the service structure described above.

In the above, the market analysis service provides small businesses with industry characteristics, regional characteristics, life cycles, economic sensitivity, sales trends, consumption patterns, and consumption levels, thereby accurately analyzing the environment of the merchants in which their affiliates are located and being agile in change. To be able to respond. As described above, by analyzing and providing the detailed characteristics of the industry, it is possible for the merchant side to properly set the target customer, and to set a feasible target through the average rate of return and cost. In addition, by determining the introduction stage, growth stage, maturity stage, and decline stage of each sector, the operation strategy can be prepared to prepare for the future. In addition, by providing regional analysis information, it is possible to cope with changes in regional consumption patterns, and by understanding the regional consumption level, it is possible to establish a customer management plan.

In addition, sales analysis service compares the sales of the entire industry, the top 30% of competitors and merchants in terms of time, day of week, monthly transaction price, frequency, and sales to establish an effective marketing strategy. Sales change information can help you establish market changes and appropriate management strategies.

In addition, the customer analysis service defines and categorizes loyalty customers and regular customers, and analyzes and provides sales contributions, thereby allowing merchants to manage their customers appropriately.

The prescription and recommendation service, by comprehensively judging the results from the previous market, sales, customer analysis, so that merchants can know exactly their current management status, by helping to establish a countermeasure based on this Ensure that appropriate responses are made.

In addition, the goal / risk and campaign management may set realistic targets based on the objective data analyzed as described above, may lead to an increase in merchant sales, and predict that merchants may lack the experience and knowledge. Diagnoses and alerts you to risks that you haven't. In particular, when the campaign is executed to improve the sales, it is possible to know how much the campaign effect can be obtained through the sales period and the balance analysis of the campaign during and after the campaign.

As described above, the present invention is based on objective basis data, and informs small business owners of management status, risks and market fluctuations that were not known due to lack of knowledge, experience, or lack of funds. To help.

Figure 6 shows a comparison of the decision-making process after applying the service according to the present invention and the decision-making process of the conventional small business.

6A illustrates a decision making process of an affiliate store when the service is not provided according to the present invention, during the sale and sales activities at the affiliate store, a decrease in sales, a customer departure, a change in market trend, and a change in customer propensity. If the same problem occurs, problems such as falling sales or customer churn can be identified immediately, but the market tendency may not be recognized.

In this way, the franchisee will identify the problem subjectively and establish countermeasures based on the existing experience or knowledge, and use the sales strategy according to the countermeasures established. It is difficult to receive appropriate advice when identifying problems or establishing countermeasures.

Therefore, if the countermeasures established as described above are appropriate, problems can be solved. However, if appropriate countermeasures are not established, the decline in sales may be accelerated, and may be bankrupt in the worst state.

In contrast, in the case of the affiliated store provided with the service according to the present invention, as shown in FIG. 6B, a decision is made.

As before, in the event of a problem such as a decrease in sales, customer churn, changes in market trade trends and changes in customer tendencies during sales and sales activities, in the management support service providing system according to the present invention, trade rights for countermeasures and decision making After acquiring and analyzing the information and the affiliated store information, it warns that a problem has occurred at the affiliated store, diagnoses exactly what the problem is, and proposes a prescription. Thus, the merchant consults on the diagnosis and prescription received and establishes decision making and strategy.

In addition, if an event is executed according to the established strategy, or if a response is made according to a changed customer propensity or business rights, the result is analyzed through a change in sales and a comparison. Therefore, it is possible to continuously manage not only the diagnosis of the management status but also the effect analysis based on the prescription proposal and the response thereto.

Therefore, even if the merchant lacks knowledge or experience, it is possible to adequately cope with the surrounding situation and implement the sales strategy.

Meanwhile, in the above description of the present invention, specific embodiments have been described, but various modifications may be made without departing from the scope of the present invention.

As described above, the present invention collects the user's approval history collected from the credit card payment system as sales information, so that the user does not need to input additional sales information, and based on the accurate sales information of the corresponding merchant. By conducting management analysis, merchants can improve their confidence in the management status and problem diagnosis results. In addition, through linkage with the credit card payment system, not only the management status in the affiliated stores, but also the operations between the neighboring regions and the same industries The status can be compared and the result is accurate and reliable analysis and diagnostic information to the customer, enabling the merchant to efficiently manage, improve productivity and generate revenue.

Claims (10)

In the start-up and management support service providing system that provides start-up and management support services to merchants in conjunction with the credit card payment system, Basic data collection means for receiving the information and approval history of the merchant from the credit card payment system, receiving the local information and weather information required for the business district analysis where the merchant is located, and establishing a basic data warehouse for analysis and diagnosis ; After reducing the data by eliminating outliers from the data warehouse built by the basic data collection means, multi-dimensional analysis of regions, industries, business districts, time series, and sales factors, and multi-dimensional analysis of information for business analysis Analyzing means; A data mart construction means for adding a time series element to information for management analysis extracted by the analysis means and classifying the data mart into a market analysis, sales analysis, and customer analysis result; And Start-up and management support service providing system using a credit card payment system comprising a service providing means for providing the user with management analysis information built by the data mart means in a web, mobile, offline manner. The method of claim 1, wherein the basic data collecting means Merchant information DB provided by the credit card payment system detailed information of the credit card merchant, including the exact type of business, address, size, the number of employees that can analyze the attributes of the merchant, and A sales information DB, which is built up by accumulating credit card authorizations processed by the credit card payment system; Regional information DB that receives the characteristics of the service providing area and commercial information to provide analysis information for each commercial area; A weather information database which includes a database of weather information such as daily rainfall and temperature of the service area for analysis processing related to the weather of the service area; And Entrepreneurship using a credit card payment system, comprising a database of commercial information required for business management and entrepreneurship support, knowledge of entrepreneurship experts, existing entrepreneurship information, and additional information including the economic index And management support service delivery system. The method of claim 1, wherein the analysis means A system for providing a start-up and management support service using a credit card payment system, characterized in that the basic data is analyzed using an analysis method of data analysis and data mining. The method of claim 1, wherein the analysis means Market analysis to analyze the business area and business of the service area, sales analysis to analyze the sales history of merchants in time series, and analyze the propensity and distribution of loyalty and regular customers by comparing merchants' customers with transaction frequency and transaction price Start-up and management support service providing system using a credit card payment system, characterized in that for performing a customer analysis. The method of claim 4, wherein the market analysis Industry characterization to examine the relationship between changes in demand and sales growth; Life cycle analysis of sectors to determine introduction period, growth period, peak season, and decline period by industry from merchant information and sales information; An analysis of the economic sensitivity of the sector, which quantifies the response to the economy by sector through the change in sales by sector obtained from the merchant information; Regional consumption pattern analysis to analyze the consumption pattern of the corresponding business area from the change in sales due to the change in average transaction price and return visit rate by industry; And Start-up and management support service providing system using a credit card payment system, characterized in that it includes an analysis of the regional consumption level to determine the optimal commercial selection criteria through the location analysis of the top 30% by sector. The method of claim 4, wherein the sales analysis Transaction price analysis comparing the transaction price of the affiliate compared to other affiliates in the same industry; Sales trend analysis, which analyzes the sales trend of the affiliates relative to other affiliates in the same industry; Time series revenue analysis to analyze changes in frequency of hours, days, and months; Top Merchant Comparison Analysis comparing revenue for the top 30% in the same industry; And Start-up and management support service providing system using a credit card payment system, characterized in that it includes a cause analysis for analyzing the cause of the sales gap of the top group of the industry and the affiliates. The method of claim 4, wherein the customer analysis A loyalty customer analysis that analyzes the proportion, variation and propensity of loyalty customers in the merchants; Regular customer analysis to analyze the distribution of regular customers by the number of visits of merchants; And Start-up and management support service providing system using a credit card payment system, characterized in that it comprises a customer propensity analysis for analyzing the propensity of customers visiting the merchant. The method of claim 1, wherein the data mart building means Merchant attribute analysis result DB which made the result of analyzing affiliate store information database; A sales analysis result DB for each affiliated store which has a database of the results of data mining the sales information with time series and the attribute of the affiliated store; Regional analysis result DB that grades regional characteristics by analyzing time-series information of local information and affiliated property; And A system for providing start-up and management support services using a credit card payment system, comprising an integrated result DB which is a database of results obtained by mining commercial and professional information from various angles. The method of claim 1, wherein the service providing means A web server that provides a result of the databased analysis by the data mart construction means in a web manner by a user accessing the Internet; A mobile server providing an analysis result databased by the data mart building means through a mobile communication network; And An output system for outputting the analysis results databased by the data mart construction means to the ground and providing them to the user in an offline manner Startup and management support service providing system using a credit card payment system, characterized in that it comprises one or more of. The method of claim 9, wherein the data mart building means Automatically interprets and expresses the information provided based on the data mart so that the information provided based on the data mart can be grasped without the help of an expert and a query server that retrieves the query result requested by the user from the large data stored in the data mart. Startup and management support service providing system using a credit card payment system, characterized in that further comprising an analysis system.

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