KR20100023768A - Service method for loan using of trade receivables collateral by online shopping mall - Google Patents

Abstract

PURPOSE: A method for loan service and screening trade receivables of online shopping malls is provided to automatically screen online shopping mall trade breakdown of a vendor, thereby performing a secured loan according to an approval result. CONSTITUTION: Data required for loan screening process is saved in a vendor membership database(42). A loanable amount is automatically calculated. The final loan amount is confirmed. The confirmed loan amount is sent to a designated account of a vendor member(10). Principal and interest are collected in real time during transferring a prearranged calculation amount.

Description

Examination and loan service method of online shopping mall trade receivables {Service Method for Loan using of Trade Receivables Collateral by Online Shopping mall}

The present invention relates to a method of judging and lending online with collateral from a receivable generated in an online shopping mall, and more specifically, the online shopping mall sales history of a vendor according to a loan request of a vendor selling a product through an online shopping mall. The present invention relates to the screening and lending method of online shopping mall trade receivables, which is automatically screened by the program and performs mortgage loans according to the approval result.

Recently, the online shopping mall market is booming due to the development of online shopping-related technologies and technology such as sales registration, management, payment, and advertisement of goods.

As a result, many vendors who want to sell their products through large online shopping malls are competitively located, and the operators of the online shopping malls provide the vendor with sales information sold to the customers through the online shopping malls, By receiving the information sold through the online shopping mall, the sales history such as the sales amount is confirmed.

1 is a block diagram of a general online shopping mall, in which a vendor member 10 performs sales registration by entering a product in an online shopping mall, and a product registered and sold and registered by the vendor member 10 in the homepage of an online shopping mall site. And the online shopping mall 20 which sells and sells the goods, and the customer 30 pays the goods posted on the homepage and pays the sales results and transfers them to the registered settlement account 11 of the vendor member 10. It is composed of an electronic book database (Back Office DB) 21 of the online shopping mall that registers the sales status and payment information of the online shopping mall 20 and provides the information to the vendor member 10.

As such, the product registered by the vendor member 10 is sold and sold through the online shopping mall 20, and the online shopping mall 20 sells the goods to the consumer 30 through the delivery and receipt confirmation procedure. If the amount is settled, after 7-60 days after the sale or every month on the specified date, the transfer to the settlement member 11 of the vendor member.

This is determined according to the contract of each online shopping mall 20 and the vendor member 10.

On the other hand, the vendor member 10 can log in to the electronic book DB (21) to determine the sales status of the goods registered by the customer and the payment information of the consumer. That is, the electronic book DB 21, the vendor member 10, through their electronic book (Back Office) screen to the terminal, the current delivery quantity, sales quantity, payment status of the consumer, total payment amount, Online shopping mall 20 is provided in detail, such as the scheduled transfer date.

The vendor member 10 receives the deposit into the settlement account 11 registered on the scheduled date of remittance as confirmed on the electronic book screen, and the contract member 10 sets the contents of the contract set at the time of entry between the vendor member 10 and the online shopping mall 20. Therefore, after deducting a certain amount of money from the sales amount, it will be remitted to the vendor member.

However, since the vendor member 10 takes days or months from the date of sale to receive the remittance of the sales amount from the large online shopping mall 20, the small and medium vendor members 10 face many difficulties due to the lack of cash liquidity. There was a problem. Eventually, even though the vendor members 10 may sell a lot of goods through the online shopping mall and the sales increase, the sales amount will be deposited into the settlement account 11 on the designated date. ), There was a problem in that it is difficult to get a loan or collateralized cash as collateral.

Accordingly, the present invention, in order to improve the problems of the prior art, according to the loan request of the vendor members who sold the goods through the online shopping mall, the sales status of the goods of the corresponding vendor member on the back office screen provided in the online shopping mall After extracting data necessary for loans such as settlement amount between online shopping mall and online shopping mall, it provides a method of screening and loan service of online shopping mall receivables, which automatically calculates loanable amount and performs loan through automatic screening process based on the data. There is a purpose.

Another object of the present invention is to predict the risks caused by online shopping malls based on the size of the online shopping mall, sales price settlement cycle, etc., and apply various rates to the loanable amount, and the recent sales trends and return rates for vendor members. The purpose of this study is to provide an online shopping mall receivables review and loan service method that reduces the possibility of bad loans by applying the rate of loanable amount based on the data of the evaluation of the vendor members through the evaluation criteria included. .

Another object of the invention is to change the information of the vendor member by accessing the electronic book DB at regular intervals in order to monitor the status of the receivable in the online shopping mall of the vendor member when a loan is made to the vendor member based on the sales receivable of the online shopping mall. Check the details and sales trends, and check whether the vendor member arbitrarily changes the business name of the trade receivables or a sudden decrease in the sales of the vendor member. The purpose of the present invention is to provide a screening and loan service method for shopping receivables.

In order to achieve the object of the present invention, the examination and loan service process of the online shopping mall sales bond is sold and settled in the online shopping mall as the consumer purchases and pays the goods registered and sold in the online shopping mall by a vendor member online. In the method of reviewing and lending a sales receivable in an online shopping mall where details are registered in the electronic book DB and the vendor member receives a loan for the sales and settlement details registered in the electronic book DB, As a loan request is made by accessing the loan review server through its own terminal, the loan review server accesses the electronic book DB and scraps data necessary for the loan review from the electronic book screen of the vendor member and stores it in the vendor member DB. A first process of doing; The loan screening server automatically calculates a loanable amount by applying a recommendation approval rate set in the estimated settlement amount of the online shopping mall according to the sales of goods of the vendor member based on the scraped data stored in a vendor member DB. process; A third step of determining a final loan amount to which the loanable amount is applied according to the evaluation data of the vendor member to the designated member of the vendor member; And a fourth step of recovering and transferring the principal money to the repayment account of the loan examination server in real time as the settled amount of money is transferred from the online shopping mall to the settlement account of the vendor member. After the remittance to the account, the principle of the vendor until the collection transfer is automatically connected to the electronic book of the vendor at a set cycle, the vendor control process for monitoring the information and sales information of the vendor member; characterized in that it comprises a.

Here, in the first process, the loan screening server logs in to the electronic book DB using the ID and password provided by the vendor member; On the electronic book screen provided by the electronic book DB, scraping data necessary for the loan examination including the sales status of the vendor member, payment information of the consumer, expected settlement date, settlement account information, vendor information of the vendor member, and preliminary settlement details Making; And storing the scraped data in the vendor member DB.

In the second process, the rate set in the estimated settlement amount from the online shopping mall to the vendor member is set differently according to the risk and the settlement period of the online shopping mall, and is automatically applied to the settlement of the loanable amount.

The evaluation criteria of the vendor member applied to calculate the final loan amount in the third process is characterized in that the evaluation data including the recent sales trend and return rate of the vendor member.

The vendor control process, the vendor control process is a step of automatically logging in to the electronic book DB with the ID and password of the vendor member at a period set by the loan screening server; Scraping the electronic book of the vendor member after the login; A third step of comparing business name information and settlement account information of the vendor member scraped by the electronic book with information previously registered in the vendor member DB; A fourth step of calculating increase / decrease by comparing a recent sales value stored in the vendor member DB with a current sales change trend in the electronic book scraped in step 2; And in the step 1, if the automatic login is not performed, it is determined that the vendor member's access ID or password has been changed, and in step 3, if the comparison result does not match the business name and settlement account information of the vendor member And, if the increase and decrease calculated in step 4 significantly larger than the set threshold value, the vendor member determines that a problem in the debt status caused by the five steps of alerting the bond manager of the loan audit server; It features.

In the process of examination and loan service of trade receivables according to the present invention, when a small and medium-sized vendor member who sells goods in an online shopping mall requests a loan with the sales details as a lot of sales occur in the online shopping mall By automatically calculating and loaning the allowable amount according to a set process, it is effective to solve the cash liquidity problem for vendor members who need cash before the vendor member's sales amount is settled from the online shopping mall.

In addition, the electronic book DB provided to the vendor member in the online shopping mall extracts only the data necessary for the loan examination and automatically calculates the loanable amount after scraping, thus immediately calculating without a lot of manpower or time for examining the loanable amount of the vendor member. There is a possible effect.

In addition, the data extracted from the electronic book DB of the online shopping mall is databased on the loan screening server to calculate the kind, sales amount, settlement amount, and settlement amount of the vendor member's product, and accordingly, sales trend and growth of the vendor member. It is effective to grasp the state.

In addition, based on the size of the online shopping mall and the payment cycle, the risks caused by the online shopping mall are predicted, and various rates are set and applied to the loan amount, and the evaluation criteria including the recent sales trend and the return rate for the vendor members are applied. Through this, it is possible to reduce the possibility of bad debt by applying the variable of the loanable amount based on the data of the vendor member.

 In addition, in order to monitor the status of the trade receivables of the online shopping mall of the vendor member for the loan member of the loan member, the information on changes and sales trends of the vendor member are checked by the vendor's online sales database at regular intervals. By checking whether there is a problem such as changing the name of the company or a sharp decrease in sales of the vendor member, it is possible to prevent the bad debt of the vendor member.

Hereinafter, a description will be given in more detail with reference to FIGS. 2 to 8 of the online shopping mall sales receivables examination and loan service process according to an embodiment of the present invention.

FIG. 2 is a schematic diagram illustrating a network configuration for implementing an online shopping mall trade receivables audit and loan service method according to an embodiment of the present invention, and the same reference numerals as in FIG. Omit.

First, the online shopping mall 20 sells various items on the homepage of the online shopping mall 20 by a plurality of vendor members 10, and the vendor member 10 also enters a plurality of online shopping malls 20. Sell their goods.

When the customer orders and registers the sales registration product of the vendor member 10 through the online shopping mall 20 and confirms delivery and receipt, the online shopping mall 20 shares the electronic book with the vendor member 10. The sales status is registered in the DB 21.

The vendor member 10 accesses the loan screening server 41 using a terminal, registers and logs in, and provides the vendor member basic information and the electronic book DB 21 access ID (ID) and password of the accounts receivable online shopping mall. do.

The loan examination server 41 registers a member in the vendor member DB 42 according to the input data of the vendor member 10, and the vendor member (from the electronic book DB 21 of the online shopping mall 20). The data necessary for the lending from the electronic book of 10) is scraped and stored in the vendor member DB 42. In addition, the loan screening server 41 calculates the loanable amount according to the loan screening flow on the basis of the data stored in the vendor member DB 42, and checks the loan amount to the vendor member 10 before lending.

After the loan is completed, when the settlement is made to the settlement account 11 of the vendor member 10 in the online shopping mall 20, the principal money is recovered from the settlement account 11 of the vendor member 10 to the loan repayment account 43. It is configured to.

3 is a flow chart of the process of examination and loan service of the online shopping mall sales receivable according to an embodiment of the present invention, the vendor member DB membership information entered by the vendor member 10 while registering as the vendor member DB 42 Save to register.

Subsequently, the vendor member 10 accesses the loan screening server 41 and inputs a connection ID and password of the electronic book DB 21 and a loan request amount along with a loan request, and the loan screening server 41. In to directly log in to the electronic book DB (21) to check the electronic book.

That is, the loan screening server 41 scraps the data necessary for the loan screening from the electronic book. More specifically, the vendor member's basic information such as vendor name, company name, business number, contact number, address, payment date, settlement bank account information, and transaction products, as well as sales volume and sales status of consumers And automatically scrapes the sales, sales or settlement information such as sales and settlement amount of the last three months, the return status of the consumer, the settlement amount of the unsettled sales item and the settlement date, and stores the information in the vendor member DB 42. do.

4 is a diagram showing an embodiment in which basic data of a vendor member registered in the vendor member DB 42 is displayed after scraping from the electronic book, and the vendor member (seller) basic information, sales product information, and sales are largely shown. You will be scraping information about the price (the last three months' sales progress).

A loan examination of the vendor member 10 stored in the vendor member DB 42 is performed. The first examination, the settlement is made to the vendor member for the products sold in the online shopping mall 20 as shown in FIG. 5. After confirming the scheduled settlement amount and the scheduled date, the loan amount is automatically calculated.

As shown in the comprehensive evaluation screen shown in FIG. 6, the approved allowance amount is calculated by applying the recommended approval rate set for the loan of the online shopping mall 20 to the estimated settlement amount, wherein the recommended approval rate is calculated for each online shopping mall. Differentiate and set according to risk and settlement cycle. That is, even if the settled settlement amount displayed on the settled settlement date is deposited from the online shopping mall 20 to the settlement member 11 of the vendor member, the first loan amount that can be applied to the recommended approval rate set for each online shopping mall 20 (approval degree of approval) Will be calculated.

After the first loan amount is calculated according to the recommendation approval rate, the final loan rate (final approval limit) is calculated by applying the final approval rate set according to the vendor member evaluation to the first loan amount.

Here, the final approval rate is automatically set based on the sales trend and return rate of the last three months of the vendor member stored in the vendor member DB 42 as evaluation data, or the approval person who approves the loan is based on the evaluation data of the vendor member. The final loan amount (final approval limit) is calculated by directly determining and entering the rate. The final loanable amount calculated as described above may be lower or higher than the first loanable amount (acceptable degree).

In addition, if necessary, in the process of finalizing the loan, the final approval officer can reapply the rate arbitrarily based on another information including the online shopping mall and the vendor member evaluation data, so that the final loan can be made according to the automatically set rate. Compensation may occur when calculating the amount of money.

The final loan amount calculation process is performed for each online shopping mall (G market, auction, half club, etc.) to finally calculate the total final loan amount.

After confirming whether the loan amount of the final loan amount calculated as described above or the loan application amount requested by the vendor member 10 is available for loan to the vendor member 10, the vendor member 10 requests a loan. As confirmed, the transfer of the loan amount is made to the loan account specified by the vendor member 10.

7 is a view showing the input of the screening approval information and the result screening through the screening process in the loan screening server 41 according to an embodiment of the present invention, the loan application from the acceptance stage to the examination stage, approval stage, transaction completion stage, etc. Display the status of each step.

In other words, the data calculated at each stage (receipt, review, first and second approval, approval completion, loan completion, transaction completion, etc.) confirms the approver, approval date, loan date, repayment date, approval amount, loan interest rate, etc. Display the display so that it can

After the final approval loan remittance transfer to the vendor member 10, the loan examination server 41 whether the vendor member 10 has arbitrarily changed member information registered in the electronic book DB 21 until the transaction is completed by repayment of the loan. It starts the control process of the electronic book DB (21) of the vendor member to check the information that may affect the loan principle, such as whether there is an abnormality in sales.

8 is a flowchart of an electronic book DB control process of a vendor member according to an exemplary embodiment of the present invention, wherein the ID and password of the vendor member 10 is transmitted to the electronic book DB 21 at a cycle set by the loan audit server 41. Automatic login to scrap electronic book.

If it is not logged in, the vendor member 10 determines that the ID or password has been changed and alerts the bond manager through the wired / wireless communication means.

The threshold value is set even when the business name and the settlement account of the vendor member are changed in the scrapped electronic book, and the reference value is set by comparing the current sales trend with the average sales for the last three months stored in the vendor member DB 42. Even in the case of a significant decrease, the bond manager will be alerted via wired or wireless communication.

The process is checked at set intervals, and the checked information is stored in the vendor member DB 42, so that the bond manager can access and confirm it if necessary.

As described above, the vendor member 10, which has received a loan, monitors a change in information or a sudden change in sales that may affect the repayment of principals, and automatically pressurizes the vendor member 10 through an automatic alarm when a problem occurs. By securing bonds, no bad debts are generated.

The vendor member 10 ends the electronic book control process when the loan amount is recovered to the designated repayment account of the loan examination server 41 on the repayment date.

1 is a simple network diagram of a typical online shopping mall,

Figure 2 is a simple network configuration for the examination and loan service of the online shopping mall sales receivables according to an embodiment of the present invention,

Figure 3 is a flow chart of the process of review and loan service of the online shopping mall receivables according to an embodiment of the present invention,

4 is a diagram showing an embodiment in which a scraped data table of a vendor member registered in a vendor member DB according to an embodiment of the present invention is displayed.

5 is a display screen of the expected settlement date and settlement amount of each online shopping mall of the vendor member displayed on the loan screening server,

6 is a diagram showing a comprehensive evaluation of each online shopping mall of the vendor member provided in the loan examination server,

7 is a diagram showing the audit approval information for each step provided by the loan screening server,

8 is a flowchart of a control process performed by the loan review server.

Description of the Related Art

10: Vendor Member 11: Settlement Account

20: Online shopping mall 21: Electronic Book DB

30: Consumer 41: loan examination server

42: vendor member DB 43: redemption account

Claims (8)

As the consumer purchases and pays the goods registered and sold in the online shopping mall by a vendor member online, the sales and payment details are registered in the electronic book DB in the online shopping mall, and the vendor member is registered in the electronic book DB. In the examination and loan method for the sales receivable of the online shopping mall that receives a loan with the registered sales and settlement history, As the vendor member requests a loan by accessing the loan review server through his terminal, the loan review server accesses the electronic book DB and scraps data necessary for the loan review on the electronic book screen of the vendor member. A first process of storing in the member DB; The loan screening server automatically calculates a loanable amount by applying a recommendation approval rate set in the estimated settlement amount of the online shopping mall according to the sales of goods of the vendor member based on the scraped data stored in a vendor member DB. process; A third step of determining a final loan amount to which the loanable amount is applied according to the evaluation data of the vendor member to the designated member of the vendor member; A fourth process of recovering and transferring the principal money to the repayment account of the loan examination server in real time as the settlement estimated amount is transferred from the online shopping mall to the settlement account of the vendor member; And a vendor control process for automatically monitoring a vendor member's information change and sales information by automatically accessing the electronic book of the vendor member at a set cycle until the principal money is collected and transferred to the designated member of the vendor member in the third process. Examination and loan service method of the online shopping mall sales receivable, characterized in that. The method of claim 1, In the first process, the loan screening server logs in to the electronic book DB using the ID and password provided by the vendor member; On the electronic book screen provided by the electronic book DB, scraping data necessary for the loan examination including the sales status of the vendor member, payment information of the consumer, expected settlement date, settlement account information, vendor information of the vendor member, and preliminary settlement details Making; And And storing the scraped data in the vendor member DB. The method of claim 1, In the second process, the recommendation approval rate set in the estimated settlement amount from the online shopping mall to the vendor member is set differently according to the risk and the settlement period of the online shopping mall, and automatically applied to the settlement of the loanable amount. Screening and loan service method of online receivables. The method of claim 1, Notifying the vendor member of the loanable amount determined in addition to the third process, and requesting confirmation of the loan; And And remittance of the loan to the account designated by the vendor member as the vendor member confirms the loan request. The method of claim 1, The evaluation criteria of the vendor member applying the final approval rate to the final loan amount in the third process is evaluation data including the recent sales trend and the return rate of the vendor member. The method of claim 5, wherein The final loan amount is applied to the final approval rate automatically calculated according to the vendor member evaluation criteria, or the online shopping mall receivables characterized in that calculates the final loan amount according to the application of the final approval rate input by the manager Method of review and loan services. The method of claim 1, The vendor control process is a step of automatically logging in to the electronic book DB with the ID and password of the vendor member at a period set by the loan examination server; Scraping the electronic book of the vendor member after the login; A third step of comparing business name information and settlement account information of the vendor member scraped by the electronic book with information previously registered in the vendor member DB; And A fourth step of calculating increase / decrease by comparing a recent sales value stored in the vendor member DB with a current sales change trend in the electronic book scraped in step 2; And If the automatic login is not performed in step 1, it is determined that the access member ID or password of the vendor member has been changed, and if the business name information and settlement account information of the vendor member do not match, in the step 3, it is changed. When the increase and decrease calculated in step 4 is significantly reduced by more than the set threshold value, the vendor member determines that a problem in the debt state caused by the five steps to alert the bond manager of the loan audit server; Examination and loan service method of online receivables. The method of claim 7, wherein In the fourth step, the increase / decrease of the sales is determined by comparing the average sales of the vendor member for the last three months with the sales fluctuation of the electronic book scraped in the second step. Way.

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