KR20210056565A - Method for providing financial service of online sale and apparatus thereof - Google Patents

Abstract

The present invention relates to a method for providing a financial service for online sales and an apparatus thereof. The apparatus comprises: an input unit for receiving data from a user; a communication unit for transmitting and receiving the data; a storage unit for storing the data; and a control unit which determines settlement information based on sales information for a user received for each predetermined period from at least one shopping mall server, determines user evaluation information for the online sales of the user for each predetermined period, provides the settlement information or the user evaluation information to at least one financial company server to provide the user with a settlement amount determined based on the settlement information from any one financial company server among the at least one financial company server, provides the settlement amount for the sale of the user determined by the at least one shopping mall server to the financial company server which provides the user with the settlement amount determined based on the settlement information, and corrects the settlement amount determined based on the settlement information on the basis of the settlement amount for the sales of the user determined by the at least one shopping mall server. Therefore, the present invention can provide online sales revenue to online sellers in a short time.

Description

Method and device for providing financial services for online sales {METHOD FOR PROVIDING FINANCIAL SERVICE OF ONLINE SALE AND APPARATUS THEREOF}

The present invention relates to a method and apparatus for providing financial services for online sales, and to a method and apparatus for providing financial services for online sales capable of providing online sales profits to online sellers in a short time.

In recent years, in the domestic e-commerce market, the annual sales volume of online stores has reached hundreds of trillions, and the average annual growth rate is 19.7%, which is expected to grow continuously. Most e-commerce transactions are carried out through open markets. In the open market, a shopping mall, a platform that can provide e-commerce services online, is provided, and a number of sellers enter the shopping mall so that consumers can purchase products through the shopping mall. do. When a seller sells a product in a shopping mall, the shopping mall operator provides the seller with the revenue generated by excluding commissions among the sales revenue.

On the other hand, unlike the open market market, which is growing at a fairly large scale, the closing rate of sellers who enter and sell products in shopping malls is very high, about 85%. This is because the seller receives sales revenue from the shopping mall operator 40 to 70 days after the product is sold, but because fixed costs such as advertising, labor, and product development costs continue to occur, management difficulties due to the lack of project costs occur. In order to secure multiple sales channels, sellers do not enter and sell only one shopping mall, but sell products by entering a plurality of shopping malls, and the management difficulties caused by the lack of business expenses are further aggravated. Therefore, there is a need for a fast and efficient financial service method that enables sellers in the open market market to quickly obtain profits from product sales, thereby smoothly performing management activities.

The present invention relates to a method and apparatus for providing financial services for online sales.

In addition, the present invention relates to a method and apparatus for providing financial services for online sales, which can quickly provide sales profits after product sales to sellers in an open market market.

The present invention includes an input unit for receiving data from a user; A communication unit for transmitting and receiving data; A storage unit for storing data; Settlement information is determined based on sales information for a user received from at least one shopping mall server for each predetermined period, user evaluation information for the user's online sales is determined for each predetermined period, and the settlement information or the user Provides evaluation information to at least one financial institution server to provide the user with a settlement amount determined based on the settlement information from any one financial institution server among the at least one financial institution server, and the user determined by the at least one shopping mall server Provide the settlement amount for the sale of the user to the financial institution server that provided the user with the settlement amount determined based on the settlement information, and based on the settlement information based on the settlement amount for the user's sales determined by the at least one shopping mall server It relates to a financial service providing apparatus for online sales including a control unit for correcting the settlement amount determined as.

Here, the control unit includes first evaluation source information regarding at least one of a sales quantity, a sales amount, a purchase cancellation quantity, a purchase cancellation amount, a refund quantity, a refund amount, and an event event period that have occurred during a predetermined period in at least one shopping mall; Second evaluation source information regarding at least one of a sales quantity, a sales amount, a purchase cancellation quantity, a purchase cancellation amount, a refund quantity, and a refund amount estimated for a predetermined period in the future; Third evaluation source information on at least one of product purchase review information, return reason information, and visitor number information; Fourth evaluation source information, which is information on a user's status compared with at least one of the user's sales quantity, sales quantity, purchase cancellation quantity, purchase cancellation quantity, refund quantity, and refund quantity and the status in the at least one shopping mall; The user evaluation information may be determined using at least one of.

In addition, the controller may determine a score for each of the first to fourth evaluation source information, and determine the user evaluation information by reflecting a matching score matched with each evaluation source information in the determined score.

In addition, the controller may determine the matching score differently for each product in consideration of at least one of a property of a product and a sales ranking in the at least one shopping mall.

In addition, the control unit may determine the matching score differently for each shopping mall in consideration of at least one of a fee in the at least one shopping mall, an advertisement fee, a delivery date, and a settlement period of the settlement fee.

In addition, the controller may determine the matching score differently for each user in consideration of the user's management performance in the at least one shopping mall.

On the other hand, the present invention includes the process of determining settlement information based on sales information for a user received for each predetermined period from at least one shopping mall server; Determining user evaluation information for the user's online sales for each predetermined period; Providing the settlement information or the user evaluation information to at least one financial institution server; Providing the user with a settlement amount determined based on the settlement information from any one of the at least one financial institution server; Providing a settlement amount for the sale of the user determined by the at least one shopping mall server to a financial institution server providing the settlement amount determined based on the settlement information to the user; The present invention relates to a method for providing financial services for online sales, including the step of correcting the settlement amount determined based on the settlement information based on the settlement amount of the user determined by the at least one shopping mall server.

Herein, the process of determining the user evaluation information includes a first on at least one of a sales quantity, a sales amount, a purchase cancellation quantity, a purchase cancellation amount, a refund quantity, a refund amount, and an event event period that have occurred during a predetermined period in at least one shopping mall. Evaluation source information; Second evaluation source information regarding at least one of a sales quantity, a sales amount, a purchase cancellation quantity, a purchase cancellation amount, a refund quantity, and a refund amount estimated for a predetermined period in the future; Third evaluation source information on at least one of product purchase review information, return reason information, and visitor number information; Fourth evaluation source information, which is information on a user's status compared with at least one of the user's sales quantity, sales quantity, purchase cancellation quantity, purchase cancellation quantity, refund quantity, and refund quantity and the status in the at least one shopping mall; It may include a process of determining the user evaluation information by using at least one of.

In addition, the process of determining user evaluation information may include determining a score for each of the first to fourth evaluation source information; And determining the user evaluation information by reflecting the matching score matched with each evaluation source information on the determined score.

In addition, the process of determining user evaluation information may include a process of differently determining the matching score for each product in consideration of at least one of a property of a product and a sales ranking in the at least one shopping mall.

On the other hand, the present invention includes at least one shopping mall server for allowing a user to enter a store and sell products; At least one financial company server that provides financial services to the user; Settlement information is determined based on sales information for the user received from the at least one shopping mall server for each predetermined period, user evaluation information for the user's online sales is determined for each predetermined period, and the settlement information or the User evaluation information is provided to the at least one financial institution server to provide the user with a settlement amount determined based on the settlement information from any one financial institution server among the at least one financial institution server, and determined by the at least one shopping mall server. Provides the settlement amount for the user's sales to the financial institution server that provided the user with the settlement amount determined based on the settlement information, and the settlement information based on the settlement amount for the user's sales determined by the at least one shopping mall server It relates to a financial service providing system for online sales including a management server for correcting the settlement amount determined on the basis of.

According to the present invention, since a user sells a product online, it is possible to receive a settlement fee due to the sale of the product as soon as possible, thereby enabling stable product sales. In addition, it is possible to provide efficient financial services by reflecting the attributes of products and the user's management performance in the settlement payment.

1 is a view showing the configuration of a financial service providing system for online sales according to an embodiment of the present invention.
2 is a diagram showing the configuration of a management server of a system for providing financial services for online sales according to an embodiment of the present invention.
3 is a view for explaining a method of providing a financial service for online sales according to an embodiment of the present invention.
4 is a view for explaining settlement information provided by a financial service providing system for online sales according to an embodiment of the present invention.
5 is a flow chart showing the operation of the system for providing a financial service for online sales according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted.

1 is a diagram showing the configuration of a financial service providing system 10 for online sales according to an embodiment of the present invention.

Referring to FIG. 1, the present invention includes a management server 100, a user terminal 110, first to third shopping mall servers 120, 130 and 140, and first to third financial institution servers 150, 160, and 170.

The first to third shopping mall servers 120, 130, and 140 connect sellers and consumers to make product transactions online. To this end, a plurality of sellers enter each of the first to third shopping mall servers 120, 130, and 140 to create an environment for product sales.

The user terminal 110 is used by a seller who sells a product online for product sales, cost settlement, etc., and the seller uses the user terminal 110 to use the first to third shopping mall servers 120, 130, 140, and the first to the first. 3 Can communicate with the financial company servers (150, 160, 170). Hereinafter, a seller who enters the first to third shopping mall servers 120, 130, and 140 and sells a product is regarded as a user.

The first to third financial institution servers 150, 160, and 170 are operated by financial institutions that provide financial services to users, and the first to third financial institution servers 150, 160, and 170 are the second The settlement money is paid to the user, and the third settlement money is received and received for the user from the first to third shopping mall servers 120, 130, and 140 later.

The management server 100 determines settlement information by analyzing the details of the user's sales in the first to third shopping malls, and allows the second settlement amount to be paid to the user from the first to third financial institution servers 150, 160, 170, and the first to third shopping malls. The third shopping mall server 120, 130, 140 allows the user to receive financial services for online product sales, such as allowing the third settlement amount to be paid to the first to third financial institution servers 150, 160, and 170.

In this case, the settlement information is the analysis of the user's online sales information received by the management server 100 from the first to third shopping mall servers 120, 130, and 140, and includes the first settlement amount paid to the user, date information, and shopping mall information. . The second settlement amount relates to the amount paid to the user, excluding expenses paid to the first to third financial institutions, etc. from the first settlement amount, and the third settlement amount is the first among the proceeds generated by the user's sales at the first to third shopping malls. It relates to an amount paid to a user excluding expenses paid to the third shopping mall. In this case, the first settlement amount and the third settlement amount may be the same, or a difference may occur within a predetermined error range.

2 is a diagram showing the configuration of a management server 100 of a system for providing financial services for online sales according to an embodiment of the present invention.

2, the management server 100 of the present invention includes an input unit 200, a communication unit 210, a storage unit 220, and a control unit 240, and may further include a display unit 230. .

The input unit 200 functions to convert a physical input from the outside into a specific electrical signal, and may receive a user input or sound such as a user's touch, a push operation, and a voice. In addition, the input unit 200 may be implemented using various button types, a touch sensor receiving a touch input, a proximity sensor receiving an approaching motion, or the like.

The communication unit 210 is for communicating with other devices such as the user terminal 110, the first to third shopping mall servers 120, 130, and 140, and the first to third financial institution servers 150, 160, and 170, and specifically, a wireless Internet unit (not shown). , May include all or part of a mobile communication unit (not shown), a short-range communication unit (not shown), and a wired communication unit (not shown). The wireless internet unit accesses the wireless internet to acquire or transmit data. The wireless internet that can be accessed through the wireless internet unit is WLAN (Wireless LAN), Wibro (Wireless broadband), Wimax (World interoperability for microwave access), HSDPA (High Speed). Downlink Packet Access). The mobile communication unit may communicate by accessing a mobile communication network according to various mobile communication standards such as Long Term Evoloution (LTE), 5rd Generation (5G), and 5rd Generation Partnership Project (5GPP). The short-range communication unit is for short-range communication, and Bluetooth, RFID (Radio Frequency Idntification), infrared communication (IrDA, Infraed Data Association), UWB (Ultra WidBand), ZigBee, NFC (Near Field Communication), Wi-Fi, etc. You can communicate through The wired communication unit is an interface device that can be connected to other devices by wire.

The storage unit 220 stores various data and applications, and includes random access memory (RAM), flash memory, read only memory (ROM), eraseable programmable ROM (EPROM), electronically erasable and programmable ROM (EEPROM), registers, and hard drives. It may be implemented as an embedded storage device such as a disk, a removable disk, or a memory card. In the present invention, the storage unit 220 may store user evaluation information, product sales information, and settlement information.

The display unit 230 displays related data so that an administrator can easily input data or check processed data. The display unit 320 and the input unit 300 may be implemented as a touch panel.

The control unit 240 analyzes the user's sales information to determine settlement information, allows the second settlement amount to be paid to the user, and allows the third settlement amount to be transmitted to the first to third financial institution servers 150, 160, 170. . In addition, the management server 100 of the present invention is entirely controlled by transmitting user evaluation information to the first to third financial institution servers 150, 160, and 170.

3 is a view for explaining a method of providing a financial service for online sales according to an embodiment of the present invention.

In FIG. 3, as an example, a case where a user enters the first shopping mall server 120 to sell a product and receives a financial service from the first financial institution server 150 will be described. The user can enter the second or third shopping mall server (130, 140) and receive financial services from the second or third financial institution servers (160, 170), and also apply the same or similar content described in FIG. 3 can do.

Referring to FIG. 3, when a user requests a financial service for online sales to the management server 100 in order to quickly receive and receive settlement money for online sales, the financial service of the present invention may be provided. To this end, the management server 100 receives sales information sold online by a user for a predetermined period, such as daily, weekly, or monthly. In this case, the sales information may include sales date for each product, sales quantity, sales amount, sales agency fee, fixed fee, logistics cost, discount coupon cost, shipping cost, delivery information, purchase cancellation information, and refund information.

The management server 100 analyzes the sales information to determine settlement information, and transmits the settlement information to the user terminal 110 and the first financial institution server 150.

Settlement information includes information on order number, payment completion date, delivery completion date, receipt confirmation date, product name, option name, quantity, selling price, option price, shipping cost, return shipping cost, service usage rate, point usage fee, advertisement fee, logistics usage fee, etc.

The first settlement amount is determined by subtracting the service fee, the seller's cost, and the advertising cost from the sales amount, adding the shipping cost, and then subtracting the fee of the tax invoice issued by the first shopping mall server 120. In this case, the service fee is a fixed fee such as a server usage fee, and the fee in the tax invoice includes a service fee and a sales agency fee for product sales. If cancellation or return occurs after the first settlement amount is confirmed, the related expenses shall be reflected in the subsequent settlement.

Meanwhile, the management server 100 determines user evaluation information in units of a predetermined period so that the first financial company can stably pay the second settlement amount to the user, and provides it to the first financial company server 150. The user evaluation information is an analysis of the user's sales status on-line, and the first financial company may determine whether to provide a financial service to the user by using the settlement information and the user evaluation information. For example, the user evaluation information is the first evaluation source information about the event event period, such as sales quantity, sales amount, purchase cancellation quantity, purchase cancellation amount, refund quantity, refund amount, price discount, etc. Second evaluation source information about sales quantity, sales amount, purchase cancellation quantity, purchase cancellation amount, refund quantity, refund amount, etc. may be used. In addition, third evaluation source information that can be indirectly connected to product sales, such as product purchase review information, return reason information, and visitor number information, may be used. In addition, fourth evaluation source information, which is information about the user's status compared to the status in the first to third shopping malls, such as the user's sales quantity, sales amount, purchase cancellation quantity, purchase cancellation amount, refund quantity, refund amount, etc. may be used. . The management server 100 analyzes the first to fourth evaluation source information and determines a score for each evaluation source information. For example, after setting the same score for each of the first to fourth evaluation source information to a full score of 10 points, a score for each evaluation source information is determined by reflecting the items corresponding to the user. At this time, the matters reflected in each evaluation source information may reflect all or only part of the matters related to each evaluation source information. For example, it may be determined in consideration of sales amount, purchase cancellation amount, refund amount, and information on the number of visitors.

A matching score matching each of the first to fourth evaluation source information may be determined. This is to set weights for the first to fourth evaluation source information, and a matching score for each evaluation source information may be set differently. For example, if a score for each of the first to fourth evaluation source information is evaluated on a 10-point basis, the score of the first evaluation source information is 3 points, the score of the second evaluation source information is 3 points, and the third evaluation source information The score of is 3 points, and the score of the fourth evaluation source information is 3 points. At this time, the matching score for each of the first to fourth evaluation source information is 10 points for the first evaluation source information, 8 points for the second evaluation source information, 6 points for the third evaluation source information, and 4 points for the fourth evaluation source information. If the points are matched, the total score can be derived from 30 points from the first evaluation source information, 24 points from the second evaluation source information, 18 points from the third evaluation source information, and 12 points from the fourth evaluation source information. 84 points obtained by summing the scores of the evaluation source information may be determined as a score for user evaluation. In this way, the total score for the user is calculated by setting the score, and the user evaluation may be determined using this, and the user evaluation may be determined in the form of a score or a grade corresponding to the score. It can be set as there is a difference in the cost to be paid by the user who uses the financial service according to the user evaluation result.

The matching score can be set differently for each product. For example, it may be set differently in consideration of the attributes of the product, such as the type of product and the unit price of the product. For example, a predetermined constant value for classifying products sold online by category in consideration of the properties of the product such as name, use, and material, and adjusting the matching score matching the first or second evaluation source information for each category Can be set. For example, after setting a constant value corresponding to each category as 1 for A category, 1.2 for B category, 1.3 for C category, and so on, the A category is'matching score x 1', B category is'matching score x 1.2', The C category can be reflected in the matching score as'matching score x 1.3'. A predetermined constant value corresponding to each category may be changed in units of a predetermined period.

In addition, after classifying each product in the order of sales ranking by reflecting the online sales ranking, a predetermined constant value for reflecting each product into a matching score matching the first or second evaluation source information may be set. For example, if the sales ranking appears in the order of product A, product B, and product C, set a constant value corresponding to each product as 1 for product A, 1.2 for product B, 1.3 for product C, and so on. Matching score x 1','Matching score x 1.2' for product B, and'Matching score x 1.3' for product C can be reflected in the matching score. A predetermined constant value corresponding to each product may be changed in units of a predetermined period.

In addition, the matching score may be set differently for each shopping mall. For example, it may be set differently in consideration of a fee, an advertisement fee, a delivery date, and a settlement period of a settlement fee in each shopping mall.

In addition, the matching score may be set differently for each user. For example, an increase in sales for a predetermined period based on the time of evaluation, a decrease in cancellation or refund, an increase in positive or decrease in negative evaluations in a purchase review, an increase in the number of visitors, and an improvement in the user's condition in the first to third shopping malls. It is possible to set the matching score by reflecting the management performance. In addition, in order to reflect the user's status in the same industry, if the user's sales growth rate is higher than the growth rate of the same industry market, an additional point can be set to be added to the matching score, and if it is low, the subtractive point can be set to be subtracted. In addition, a matching score may be set according to the number of shopping malls each user enters and sells. For example, as the number of shopping malls that a user enters and sells increases, the matching score may be set higher, and the smaller the number of shopping malls, the lower may be set.

The management server 100 may recommend at least one financial company from among the first to third financial companies to the user, and may allow the user to receive financial services from a financial company desired by the user. In this case, the management server 100 may recommend a specific financial company, and select a financial company that can provide better benefits to the user. To this end, the management server 100 may recommend a specific financial company by comparing the financial services that each financial company can provide to the user after transmitting the settlement information and user evaluation information to each financial company server 1 and 1. Alternatively, after comparing the previously received information of each financial company, a specific financial company is recommended, and when a financial company that provides financial services is determined, settlement information and user evaluation information may be provided to the financial company.

When the user decides to receive financial services from the first financial institution, the first financial institution server 150 pays the second settlement amount to the user, and then the first shopping mall server 120 provides the third settlement amount to the first financial institution server ( 150). The timing of payment from the first financial institution server 150 to the user is earlier than that of the payment from the first shopping mall server 120 to the first financial institution server 150. For example, if the second settlement amount is paid to the user from the first financial institution server 150 within two days from the end of the month, the third payment is made from the first shopping mall server 120 to the first financial institution server 150 within 35 days from the end of the month. Pay the settlement fee.

4 is a diagram for explaining settlement information provided by a financial service providing system for online sales according to an embodiment of the present invention.

Referring to FIG. 4, the management server 100 of the present invention receives sales information sold online by a user for a predetermined period, such as daily, weekly, or monthly, from the first to third shopping mall servers 120, 130, and 140. The management server 100 analyzes the sales information, determines the settlement information, and provides it to the user. The settlement information includes a first settlement amount along with a date, a shopping mall, etc. so that the user can easily check the settlement amount. When the settlement date is selected in FIG. 4, the first settlement amount of the date can be checked.

5 is a flow chart showing the operation of the financial service providing system 10 for online sales according to an embodiment of the present invention.

Referring to FIG. 5, upon receiving the user's sales information from at least one of the first to third shopping mall servers 120, 130, and 140 (500), the management server 100 analyzes the sales information to determine settlement information for the user. (510). In addition, user evaluation information is determined (520), and the settlement information is transmitted to the user terminal 110 (530).

In order to provide financial services to the user, any one of the first to third financial companies is recommended to the user (540). At this time, the management server 100 provides financial company information including the strengths and weaknesses of each financial company to the user and recommends any one of them, or the management server 100 analyzes it to provide the best benefits to the user. I can recommend a financial company that does. In addition, after transmitting the settlement information and user evaluation information to the first to third financial institution servers 150, 160, 170 and comparing the benefits that the first to third financial institutions can provide to users, a financial company that can provide the best benefits is selected. I can recommend it.

When any one of the first to third financial companies is determined, the management server 100 guides the conclusion of a contract between the user and the selected financial company so that the contract can be concluded. When the contract is concluded, the settlement information and user evaluation information are transmitted to the selected financial institution server (560), and the second settlement amount paid to the user from the selected financial institution server is checked (570). In addition, the third settlement amount paid to the financial company selected from at least one server among the first to third shopping mall servers 120, 130, 140 is checked (580), and the second settlement amount and the third normal amount are paid to the user. The settlement amount is corrected (590).

Meanwhile, although specific embodiments have been described in the detailed description of the present invention, various modifications are possible without departing from the scope of the present invention.

Therefore, the scope of the present invention is not limited to the described embodiments, and should be determined by the scope and equivalents of the claims as well as the claims to be described later.

100: management server 110: user terminal
120: first shopping mall server 130: second shopping mall server
140: third shopping mall server 150: first financial institution server
160: second financial institution server 170: third financial institution server

Claims (11)

In the apparatus for providing financial services for online sales,
An input unit for receiving data from a user;
A communication unit for transmitting and receiving data;
A storage unit for storing data;
Settlement information is determined based on sales information for a user received from at least one shopping mall server for each predetermined period, user evaluation information for the user's online sales is determined for each predetermined period, and the settlement information or the user Provides evaluation information to at least one financial institution server to provide the user with the settlement amount determined based on the settlement information from any one financial institution server among the at least one financial institution server, and the user determined by the at least one shopping mall server Provide the settlement amount for the sale of the user to the financial institution server that provided the user with the settlement amount determined based on the settlement information, and based on the settlement information based on the settlement amount for the user's sales determined by the at least one shopping mall server Apparatus comprising a control unit for correcting the settlement amount determined as.
The method of claim 1,
The control unit includes first evaluation source information regarding at least one of a sales quantity, a sales amount, a purchase cancellation quantity, a purchase cancellation amount, a refund quantity, a refund amount, and an event event period that have occurred during a predetermined period in at least one shopping mall;
Second evaluation source information regarding at least one of a sales quantity, a sales amount, a purchase cancellation quantity, a purchase cancellation amount, a refund quantity, and a refund amount estimated for a predetermined period in the future;
Third evaluation source information on at least one of product purchase review information, return reason information, and visitor number information;
Fourth evaluation source information, which is information about a user's state compared with at least one of the user's sales quantity, sales amount, purchase cancellation quantity, purchase cancellation amount, refund quantity, and refund amount and the status of the at least one shopping mall; An apparatus for determining the user evaluation information by using at least one of.
The method of claim 2,
The control unit determines the user evaluation information by determining a score for each of the first to fourth evaluation source information, and reflecting a matching score matched with each evaluation source information to the determined score.
The method of claim 3,
The controller determines the matching score differently for each product in consideration of at least one of an attribute of a product and a sales ranking in the at least one shopping mall.
The method of claim 3,
The control unit determines the matching score differently for each shopping mall in consideration of at least one of a fee in the at least one shopping mall, an advertisement fee, a delivery date, and a settlement period of the settlement fee.
The method of claim 3,
The controller determines the matching score differently for each user in consideration of the user's management performance in the at least one shopping mall.
In the method of providing financial services for online sales,
Determining settlement information based on sales information for a user received for each predetermined period from at least one shopping mall server;
Determining user evaluation information for the user's online sales for each predetermined period;
Providing the settlement information or the user evaluation information to at least one financial institution server;
Providing the user with a settlement amount determined based on the settlement information from any one of the at least one financial institution server;
Providing a settlement amount for the sale of the user determined by the at least one shopping mall server to a financial institution server providing the settlement amount determined based on the settlement information to the user;
And correcting the settlement amount determined based on the settlement information based on the settlement amount for the user's sales determined by the at least one shopping mall server.
The method of claim 7,
The process of determining the user evaluation information,
First evaluation source information regarding at least one of a sales quantity, a sales amount, a purchase cancellation quantity, a purchase cancellation amount, a refund quantity, a refund amount, and an event event period that have occurred during a predetermined period in at least one shopping mall;
Second evaluation source information regarding at least one of a sales quantity, a sales amount, a purchase cancellation quantity, a purchase cancellation amount, a refund quantity, and a refund amount estimated for a predetermined period in the future;
Third evaluation source information on at least one of product purchase review information, return reason information, and visitor number information;
Fourth evaluation source information, which is information about a user's state compared with at least one of the user's sales quantity, sales amount, purchase cancellation quantity, purchase cancellation amount, refund quantity, and refund amount and the status of the at least one shopping mall; And determining the user evaluation information by using at least one of.
The method of claim 8,
The process of determining the user evaluation information,
Determining a score for each of the first to fourth evaluation source information;
And determining the user evaluation information by reflecting a matching score matched with each evaluation source information on the determined score.
The method of claim 9,
The process of determining the user evaluation information,
And determining the matching score differently for each product in consideration of at least one of an attribute of a product and a sales ranking in the at least one shopping mall.
In the financial service providing system for online sales,
At least one shopping mall server for allowing a user to enter a store and sell products;
At least one financial company server that provides financial services to the user;
Settlement information is determined based on sales information for the user received from the at least one shopping mall server for each predetermined period, user evaluation information for the user's online sales is determined for each predetermined period, and the settlement information or the User evaluation information is provided to the at least one financial institution server to provide the user with a settlement amount determined based on the settlement information from any one financial institution server among the at least one financial institution server, and determined by the at least one shopping mall server. Provides the settlement amount for the user's sales to a financial institution server that has provided the user with the settlement amount determined based on the settlement information, and the settlement information based on the settlement amount for the user's sales determined by the at least one shopping mall server System comprising a management server for correcting the settlement amount determined on the basis of.

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