KR20200027084A - System and method of providing mileage to sales of self-employed - Google Patents

Abstract

The present invention relates to a system and a method of providing sales mileage of a self-employment business. The system comprises: a web server to provide a webpage to allow a terminal of a self-employment business to connect thereto; a mileage calculation unit to calculate mileage from card sales of the self-employment business, and provide the terminal of the self-employment business with information of the mileage; a mileage deposit unit to deposit a portion or all of the mileage into a predetermined account of the self-employment business when payment for the mileage is requested from a terminal connected to the web server; a mileage settling unit to settle a predetermined fixed amount of an amount deposited into a sales deposit account of the self-employment business by card sales of the self-employment business for repayment of the mileage, and provide settling results by repayment when the terminal of the self-employment business requests; a mileage repayment unit to deposit the fixed amount settled by the mileage settling unit into a predetermined repayment account from the sales deposit account of the self-employment business; and a database unit to store personal information for the self-employment business, card sales, calculation amounts and payment amounts of mileage, and settling results. According to the present invention, mileage determined based on card sales is paid to a self-employment business to increase management stability by flexible fund management of the self-employment business and increase reliability for credit determination of the self-employment business by introduction of a sales-oriented mileage payment service.

Description

System and method of providing mileage to sales of self-employed}

The present invention relates to a system and method for providing self-employed sales mileage, and more specifically, by providing predetermined mileage based on card sales to self-employed persons, so that self-employed businesses can improve operational stability through flexible fund management and artificial intelligence And a system and method for providing self-employed sales mileage to help management by predicting self-employed mileage recovery period and money flow using deep learning technology.

In general, a self-employed person refers to a person who employs one or more workers, or does business with one or more partners without hiring a worker. Since it is a relatively small business type, it is a professional business strategy and plan for overall management. There is a lack of erecting.

Therefore, in order to strengthen self-employed business management capability and sales increase, it is necessary to support a variety of sales support and strategies. Related related technologies include the Korean Patent Publication No. 10-2011-0138431, "Support Service Business for Self Employed Businesses" As a method of support and system through membership registration has been presented.

This prior art is a method for providing a convenient one-stop self-employed person support service that assists self-employed members who have joined as members to quickly and efficiently solve various problems that occur daily and realistically through the support of experts. In order to do this, a member registration step that allows only registered members, such as self-employed business owners and service providers, to use them only; Member ID verification request step where members such as self-employed persons and service providers verify information; A verification step of a member and a support application history information comparing and verifying the support application history information received from the member's terminal and the support application history information registered in the support service information DB; A member credit verification step consisting of a transaction status checking step of checking whether a member is a bad trader with respect to the member information corresponding to the member payment ID; A transaction request step of a member when all the requirements of the confirmation steps are satisfied; Whether or not it meets the conditions of the support service by comparing the 'application application history information sent from the member' and the 'application application history information registered in the member's support service information DB' corresponding to the member ID A discrimination step of discriminating whether a transaction is made; If the requirements of the discrimination step are satisfied, inputting the information on the application information of the support of the member; After the input step, an authentication step for determining whether the match is made by comparing the 'transmitted support application history information' and 'support approval history information registered in the member transaction information DB'; In the step of confirming the support application history information and support approval history information, modify the support information through data search of the main server in the support service information DB or member transaction information DB, and input and confirm the changed support information, and in the confirmation step If the 'support application history information received from the member' and 'support approval history information registered in the member transaction information DB' match, it is composed of an approval step for approving the transaction.

However, this prior art has a problem in that practical help to a self-employed person is not very large in that no consideration is given to securing funds, which is the most important and necessary task for self-employed persons. Therefore, it is necessary to develop a system for solving this.

In order to solve the problems of the prior art as described above, the present invention is to pay self-employed mileage based on the card sales, to increase the stability of operations through flexible fund management of self-employed, sales-oriented mileage With the introduction of payment services, self-employed people's creditworthiness is increased, and self-employed business owners collect mileage payments for a certain portion of card sales, thereby reducing the burden on self-employed business owners. The purpose is to help management by predicting the self-employed mileage payback period and money flow using deep learning technology.

Other objects of the present invention will be easily understood through the description of the following examples.

In order to achieve the above object, according to an aspect of the present invention, a web server for providing a web page for a terminal of a self-employed person to access; A mileage calculating unit that calculates mileage from the card sales of the self-employed and provides the mileage information to the self-employed's terminal; A mileage depositing unit configured to deposit the requested mileage into a predetermined account of the self-employed business when payment of a part or all of the mileage is requested from a terminal connected to the web server; A mileage settlement unit for calculating a predetermined amount of money for the reimbursement of the mileage among the amounts deposited into the sales deposit account of the self-employed due to the card sales of the self-employed, and providing the settlement result by redemption upon request by the terminal of the self-employed; A mileage redemption unit configured to deposit a certain amount settled by the mileage settlement unit into a predetermined repayment account from the sales deposit account of the self-employed person; And a database unit for storing personal information on the self-employed person, card sales, mileage calculation and payment amount, and settlement results.

The mileage depositing unit may allow the mileage requested to be paid from the terminal that has transmitted the authentication data provided through the reading of the previously issued NFC card to be deposited into the account of the self-employed person, except for a predetermined fee.

The card sales for each self-employed person from the database unit may be processed by deep learning to predict future card sales for each self-employed person, and further include a deep learning sales prediction unit provided to the terminal and the database unit of the self-employed person. .

The future card sales calculated by the deep learning sales forecasting unit, the payment and settlement results of the mileage provided by the database unit, and financial data provided by the self-employed are provided to calculate a cash flow, and the self-employed's future It may further include an AI fund judging unit that provides the financial situation and whether or not additional mileage payment is necessary and when as data as the terminal of the self-employed person and the database unit.

According to another aspect of the present invention, calculating the mileage from the card sales of the self-employed by the mileage calculator, and providing the mileage information to the self-employed terminal; If a request for payment of part or all of the mileage is requested from the terminal of the self-employed person, allowing the requested mileage to be deposited into the predetermined self-employed account by the mileage depositing unit; The predetermined amount of money deposited into the sales deposit account of the self-employed due to the card sales of the self-employed is settled for redemption of the mileage by the mileage settlement unit, and the terminal of the self-employed provides settlement results by redemption upon request To do; And allowing a predetermined amount settled by the mileage settlement unit to be deposited into a predetermined repayment account from the self-employment remittance account of the self-employed by the mileage reimbursement unit.

The step of allowing the requested mileage to be deposited into a self-employed account includes mileage requested for payment from a terminal that has transmitted data for personal authentication provided through reading of a pre-issued NFC card, excluding a fee of a predetermined ratio. It can be made to deposit in the self-employed account.

The deep learning sales prediction unit may process the card sales for each self-employed person from the database unit by deep learning to predict future card sales for each self-employed person and further provide the self-employed terminal to the terminal and the database unit. have.

The artificial intelligence fund judgment unit calculates the cash flow by receiving the future card sales calculated by the deep learning sales forecasting unit, the payment and settlement results of the mileage provided by the database unit, and financial data provided by the self-employed business owner. And, it may further include the step of providing the self-employed person's future funding status and whether and when additional mileage payment is necessary as data as the terminal of the self-employed person and the database unit.

According to the system and method for providing self-employed sales mileage according to the present invention, self-employed businesses can be provided with predetermined mileage based on card sales, thereby improving the stability of operations through flexible fund management of self-employed people, and sales-oriented mileage payment service With the introduction of, self-employed people can increase their credibility in determining the creditworthiness, and by collecting the mileage paid from self-employed people for a certain portion of the card sales, it can reduce the burden of self-employed people on the mileage recovery, artificial intelligence and Using deep learning technology, self-employed companies can predict the mileage payback period and the flow of money to help management.

1 is a block diagram showing a system for providing self-employed sales mileage according to an embodiment of the present invention.
2 is a flowchart illustrating a method for providing self-employed sales mileage according to an embodiment of the present invention.
Figure 3 is a sheet showing the settlement results in the self-employed sales mileage providing system according to an embodiment of the present invention.

The present invention can be applied to various changes, and may have various embodiments, and specific embodiments will be illustrated in the drawings and described in detail. However, this is not intended to limit the present invention to specific embodiments, and should be understood as including all modifications, equivalents, and substitutes included in the technical spirit and scope of the present invention, and to be modified in various other forms. May be, the scope of the present invention is not limited to the following examples.

Hereinafter, exemplary embodiments according to the present invention will be described in detail with reference to the accompanying drawings, and the same reference numerals will be assigned to the same or corresponding components regardless of reference numerals, and redundant description thereof will be omitted.

1 is a block diagram showing a system for providing self-employed sales mileage according to an embodiment of the present invention.

1, the self-employed sales mileage providing system 10 according to an embodiment of the present invention includes a web server 11, a mileage calculation unit 12, a mileage deposit unit 13, a mileage settlement unit 14, The mileage redemption unit 15 and the database unit 16 may be included.

The web server 11 allows the terminal 1 of the self-employed to provide a web page for accessing. At this time, the web server 11 provides an ID and password for authentication of the self-employed to the terminal 1 of the self-employed, or , You can also perform your own authentication process using a mobile phone, a public certificate, a credit card, etc. On the other hand, the terminal 1 of the self-employed person can perform a predetermined process by performing an application or a program for performing a service provided by the present invention or performing various other functions, and communicating with an external device through a communication network. Communication can be performed, for this purpose, various information processing and communication devices can be used, including a smart phone or a tablet PC, and further, for reading of the NFC card 2 to be described later, it may have an NFC function.

The web server 11 may perform a contract including provision of a contract for a service contract with a self-employed person through the terminal 1, which is an example, and necessarily contracts with a self-employed person through the web server 11 Needless to say, it is not necessary to perform online, and it can be performed offline if necessary. In addition, it is possible to request the submission of review documents necessary for verification of self-employed persons through the web server 11 for signing a contract, but since it is not necessarily limited to this, the procedure for submitting such verification documents may be omitted. Therefore, for the service provided by the present invention, a self-examination may be performed when a service contract with a self-employed person is omitted, but it can be omitted, and it is needless to say that only the card sales can be used.

The mileage calculating unit 12 may calculate mileage from the card sales of the self-employed person and provide the mileage information to the terminal 1 of the self-employed person. The mileage calculation unit 12 receives, for example, an ID and password for access to the credit finance association system 2 provided by a self-employed person, and accesses the credit finance association system 2 to obtain credits from self-employed card sales. A certain percentage, for example, 40 ~ 60%, for example, about 50% can be credited with mileage. In this case, the calculation period of card sales is a period based on a specific day, including the contract date, etc. It may be a period that can be set. The credit finance association system 2 may be accessed and calculated manually at a certain time every day, or may be configured to be automatically connected to the mileage calculation unit 12 when necessary at a certain time every day. Here, the mileage may be recognized as an amount, and may be expressed to have a unit or value that enables conversion to an amount through direct recognition as an amount, as well as indirect recognition as an amount.

The mileage calculation section 12 is exemplified as using the credit finance association system 2 for calculating the card sales of a self-employed person, but it is not necessarily limited thereto, and various methods to enable objective calculation of the card sales of a self-employed person Or various systems.

The mileage deposit unit 13 may allow the requested mileage to be deposited into a predetermined self-employed account when a payment for part or all of the mileage is requested from the terminal 1 connected to the web server 11. The mileage deposit unit 13 may enable access to the deposit and withdrawal system 4 of the self-employed account for depositing mileage to the account of the self-employed business person. Therefore, it may be configured to be made manually.

The mileage deposit section 13 accounts for self-employed business excluding mileage requested for payment from the terminal 1 that has transmitted the data for personal authentication provided through the reading of the NFC card 2 issued in advance, except for a predetermined rate. Deposit. Here, the terminal 1 enables reading of the NFC card 2 by NFC, and receives data necessary for authentication of the user provided from the NFC card 2 by such reading, and the mileage deposit unit 13 by a communication network ), It is possible to have a result of authenticating that a self-employed person is legitimate through the terminal 1. The NFC card 2 may be issued to a self-employed person who has completed a contract with an operator of the system 10 of the present invention. Therefore, by using the NFC card 2, it is possible to increase the reliability of self-identification of the self-employment request for mileage payment. In addition, the fee is an amount corresponding to 1 to 3% of the mileage requested to be paid, and can be determined as a contract with a self-employed party or an internal rule for operation. Here, the fee rate is an example, and of course, it can be different.

The mileage settlement unit 14 calculates a predetermined amount of money to be repaid for a mileage among the amounts deposited into the self-employed person's sales deposit account due to the card sales of the self-employed person, and the terminal 1 of the self-employed person calculates the settlement result by redemption upon request. To provide. Therefore, the mileage settlement unit 14 can calculate the amount of money for redemption of mileage, and can provide the self-employed terminal 1 so that the self-employed can easily understand the settlement result by redemption. As shown in 3. The mileage settlement unit 14 may set a certain amount for redemption of mileage, for example, in the range of 10 to 30% of the daily sales of the card, which may be determined by a contract with a self-employed business owner.

The mileage reimbursement unit 15 may allow a predetermined amount settled by the mileage settlement unit 14 to be deposited into a predetermined repayment account from the sales deposit account of a self-employed person. The mileage redemption unit 15 accesses the deposit and withdrawal system 5 of the self-employed business deposit and withdrawal account 5 to obtain the cooperation of the self-employed business owner, or information necessary for deposit from the self-employed business operator, for deposit from the self-employed business's sales deposit account to the repayment account. It can be configured to receive the specified repayment amount as a repayment account for the collection of mileage from the sales deposit account of a self-employed business owner, and such a deposit process can be automatically performed by interlocking or can be configured to be performed manually by necessity. It might be.

The database unit 16 includes personal information for self-employed persons from the web server 11, card sales and mileage calculation amount from the mileage calculation unit 12, payment amount from the mileage deposit unit 13, and mileage calculation unit 14 And receiving the settlement results, etc. from the mileage redemption unit 15 can be stored for each self-employed, but not limited to, various data and programs necessary for operating the system 10 of the present invention can be stored.

The self-employed sales mileage providing system and method 10 according to an embodiment of the present invention may further include a deep learning sales prediction unit 17 and an artificial intelligence fund determination unit 18.

The deep learning sales forecasting unit 17 processes card sales for each self-employed person from the database unit 16 by deep learning, predicts future card sales for each self-employed person, and when the self-employed person requests through the terminal 1 It can be provided to the terminal 1 of the self-employed, and can be provided to the database unit 16 for storage for utilization. The deep learning sales forecasting unit 15 may use various deep learning prediction algorithms to predict future card sales, for example, sequentially data patterns such as time variability data among deep learning models, such as Elman Neural Network. By using an algorithm that can show excellent performance for analysis, it is possible to predict the future card sales by analyzing the past card sales accumulated in chronological order, and in addition, it is useful for time series data prediction and analysis (recurrent neural network) , LSTM (long short term memory), and the like. Here, RNN has a cyclic structure, such as input ↔ output, unlike other neural networks that are developed only from input to output.

The artificial intelligence fund determination unit 18 may calculate future card sales calculated by the deep learning sales forecasting unit 17 and mileage payments and settlement results provided by the database unit 16, and financial data provided by self-employed persons, for example. By receiving financial statements, etc., calculate cash flow through data input of the relevant data, and use the data of the self-employed person's future financial situation and whether or not additional mileage payment is required as data. Can provide. The AI fund determination unit 18 may use various well-known algorithms or equations for calculating the cash flow, and when it is determined that there is insufficient funds on the calculated cash flow, requests for additional mileage payment and reimbursement thereof It is possible to perform a process for calculating the like, and an algorithm or an equation representing a financial situation may be used. At this time, it can be configured to represent in consideration of the number of different cases by the variable.

2 is a flowchart illustrating a method for providing self-employed sales mileage according to an embodiment of the present invention.

Referring to FIG. 2, the method for providing self-employed sales mileage according to an embodiment of the present invention uses the self-employed sales mileage providing system 10 according to an embodiment of the present invention, and the description of the same part is omitted. I will do it.

The self-employed sales mileage providing method according to an embodiment of the present invention calculates the mileage by the mileage calculation unit 12 from the self-employed card sales, provides mileage information to the self-employed terminal 1 (S11), When payment for a part or all of the mileage is requested from the terminal 1 of the user, the mileage requested by the mileage deposit unit 13 is deposited into a predetermined self-employed account (S12), and self-employed due to card sales of the self-employed The predetermined amount of the amount deposited into the sales deposit account of the company is settled for redemption of the mileage by the mileage settlement unit 14, and the terminal 1 of the self-employed business provides the settlement result by redemption upon request (S13), The predetermined amount settled by the mileage settlement section 14 is predetermined by the mileage reimbursement section 15 from the self-employed sales account. It is to be deposited into the repayment account (S14). Here, the step (S12) of allowing the requested mileage to be deposited into the self-employed account, the mileage requested to be paid from the terminal 1 that has transmitted the data for authentication provided through the reading of the previously issued NFC card 2 Can be deposited into the account of a self-employed person, excluding a fee at a fixed rate.

Then, the deep learning sales predictor 17 processes the card sales for each self-employed person from the database unit 16 by deep learning, and predicts the future card sales for each self-employed person, the terminal 1 and the database of the self-employed person It can be provided to the unit 16 (S15).

Then, the future card sales calculated by the deep learning sales forecasting unit 17 and the payment and settlement results of the mileage provided by the database unit 16, and financial data provided by the self-employed person are determined by the AI fund determination unit 18 ), The cash flow can be calculated and provided to the terminal 1 and the database unit 16 of the self-employed as data as to the future funding status of the self-employed and the need and timing of additional mileage payment (S16).

According to the system and method for providing self-employed sales mileage according to the present invention, self-employed businesses can be provided with predetermined mileage based on card sales, thereby improving operational stability through self-employed flexible fund management and sales-oriented mileage With the introduction of payment services, it is possible to increase the confidence in self-employed credit judgment.

In addition, according to the present invention, it is possible to reduce the burden of the self-employed on the mileage recovery by allowing the collection of the mileage paid from the self-employed to be performed on a certain portion of the card sales.

In addition, according to the present invention, using artificial intelligence and deep learning technology, it is possible to help management by predicting the mileage recovery period and the flow of funds of self-employed businessmen.

Although the present invention has been described with reference to the accompanying drawings, various modifications and variations can be made without departing from the technical spirit of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the claims described below, but also by the claims and equivalents.

1: Terminal 2: NFC card
3: Credit Finance Association System 4: Self-employment account deposit and withdrawal system
5: Deposit and withdrawal system of self-employed sales deposit account
11: Web server 12: Mileage calculation unit
13: mileage deposit department 14: mileage settlement department
15: mileage redemption section 16: database section
17: deep learning sales forecasting unit 18: AI fund determination unit

Claims (8)

A web server providing a web page for the self-employed user's terminal to access;
A mileage calculator that calculates mileage from the card sales of the self-employed and provides the mileage information to the self-employed's terminal;
A mileage depositing unit configured to deposit the requested mileage into a predetermined account of the self-employed business when payment of a part or all of the mileage is requested from a terminal connected to the web server;
A mileage settlement unit for calculating a predetermined amount of money for the reimbursement of the mileage among the amounts deposited into the sales deposit account of the self-employed due to the card sales of the self-employed, and providing the settlement result by redemption upon request by the terminal of the self-employed;
A mileage redemption unit configured to deposit a certain amount settled by the mileage settlement unit from a self-employed sales account to a predetermined redemption account; And
A database unit for storing personal information, credit card sales, mileage calculation and payment amount, and settlement results for the self-employed person;
Including, self-employed sales mileage providing system. The method according to claim 1,
The mileage deposit department,
A system for providing self-employed sales mileage to allow mileage requested to be paid from a terminal transmitting data for personal authentication provided through reading of an NFC card issued in advance to be deposited into an account of the self-employed, excluding a fee of a predetermined rate. The method according to claim 1 or claim 2,
The self-employed business person further comprising a deep learning sales forecasting unit provided to the terminal and the database unit of the self-employed business unit by predicting future card sales for each self-employed person by processing card sales for each self-employed person from the database unit by deep learning. Sales mileage provision system. The method according to claim 3,
The future card sales calculated by the deep learning sales forecasting unit, the payment and settlement results of the mileage provided by the database unit, and financial data provided by the self-employed are provided to calculate a cash flow, so that the self-employed future A system for providing self-employed sales mileage, further comprising an AI fund determination unit that provides the financial situation and whether or not additional mileage payment is necessary and when the data is provided to the self-employed terminal and the database unit. Calculating a mileage from a card sales amount of a self-employed person by a mileage calculator and providing the mileage information to the self-employed person's terminal;
If a request for payment of part or all of the mileage is requested from the terminal of the self-employed person, allowing the requested mileage to be deposited into the predetermined self-employed account by the mileage depositing unit;
The predetermined amount of the amount deposited into the sales deposit account of the self-employed due to the card sales of the self-employed is settled for redemption of the mileage by the mileage settlement unit, and the terminal of the self-employed provides settlement results by redemption upon request To do; And
Allowing a predetermined amount settled by the mileage settlement unit to be deposited into a predetermined repayment account from the sales deposit account of the self-employed by the mileage repayment unit;
Including, self-employed sales mileage providing method. The method according to claim 5,
The step of allowing the requested mileage to be deposited into a self-employed account,
A method of providing self-employed sales mileage to allow mileage requested to be paid from a terminal transmitting data for authentication of identity provided through reading of a previously issued NFC card to be deposited into the self-employed's account, excluding a fee of a predetermined rate. The method according to claim 5 or claim 6,
The deep learning sales prediction unit processes the card sales for each self-employed person from the database unit by deep learning to predict future card sales for each self-employed person, and further comprising providing the self-employed terminal to the terminal and the database unit. How to provide self-employed sales mileage. The method according to claim 7,
The artificial intelligence fund judgment unit calculates the cash flow by receiving the future card sales calculated by the deep learning sales forecasting unit, the payment and settlement results of the mileage provided by the database unit, and financial data provided by the self-employed business owner. And providing the self-employed business owner's future funding status and whether and when additional mileage payment is necessary as data as a terminal of the self-employed business and the database unit.

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