KR20210116887A - Evalution system for pre-settlement - Google Patents

Abstract

An evaluation system for pre-settlement relates to a system which pre-settles an unsettled sales price of a seller who sells a product in an online shopping mall. The system comprises: an information input unit which receives an application for pre-settlement from the seller and receives seller information; an information management unit which collects seller sales information by using the seller information, and stores the collected seller sales information; a pre-settlement review unit which analyzes the seller information and the seller sales information to determine whether to approve the pre-settlement and a possible amount of the pre-settlement; an information output unit for outputting, to the seller, whether or not to approve the pre-settlement for the application for the pre-settlement and the possible amount of the pre-settlement; a pre-settlement contract unit for executing a contract for acquisition of bonds from the seller; a pre-settlement requesting unit which receives the pre-settlement amount from the seller within the possible amount of the pre-settlement; a pre-settlement processing unit which remits the amount of the pre-settlement to a bank account of the seller; and a pre-settlement collection unit for receiving the unsettled sales price from the online shopping mall based on the bond. In accordance with the technical idea of the present invention, various types of risks of not being able to collect the price paid to the seller can be minimized by collecting the seller information, the seller sales information, and a business number. In addition, when the seller applies for the pre-settlement, the amount of the pre-settlement can be remitted to the seller through the pre-settlement system in real time.

Description

Seonjeongsan Mountain Evaluation System {EVALUTION SYSTEM FOR PRE-SETTLEMENT}

The present invention relates to a system for providing an unsettled price to a seller who sells a product in an online shopping mall.

With the recent popularization of the Internet, consumers are purchasing products using various online sales methods, and sellers are operating after a certain period of time has elapsed after receiving payment from online vendors to pay for the sale of products.

In general, each online retailer uses a method in which the sales price for the product is settled to the seller after the seller's product is sold and the delivery is completed.

It usually takes 1 to 2 months after the product is sold for the seller to receive the remittance of the sales price through the above-mentioned settlement method in the online shopping mall. there is a problem.

Conventionally, there is a selective calculation method in which a commercial bank or a fund company settles the seller in advance with the sales amount as collateral, and then collects the sales price from the seller at the time of settlement later. This method poses various types of risks to the service provider of the settlement payment that cannot be recovered from the payment that has been previously settled to the seller. And sellers with a low credit rating cannot apply for a loan, and there are sellers who are reluctant to use the selection method because the loan affects the credit rating. In addition, since it is difficult to proceed with the loan process other than the bank business hours, the above-mentioned pre-selection calculation method has a time limitation in using the pre-selection calculation method.

Republic of Korea Patent Publication No. 10-1834008 Voice data-based credit evaluation device, method and computer program"

An object of the present invention relates to an apparatus and method for providing a system for determining and paying whether to pay a selected amount to a seller without inquiring about a credit rating.

The system for selecting and calculating the unsettled sales price of the seller who sells the product in the online shopping mall collects and collects the seller sales information using the information input unit that receives the application for the selected calculation from the seller and receives the seller information, and the seller information An information management unit that stores the seller sales information, a Seongsan Mountain review unit that analyzes the seller information and the seller sales information to determine whether to approve the selected mountain and the possible amount of the selected mountain, whether to approve the selected mountain for the application, An information output unit for outputting the selectable amount to the seller; , a selection calculation processing unit that remits the selected amount to the bank account of the seller, and a selection calculation collection unit that receives the unsettled sales price from the online shopping mall based on the bond.

The online shopping mall may include social commerce, which is an e-commerce transaction using a social network.

The seller information may include a business number of the seller and log-in information for the online shopping mall of the seller.

The information management unit may include periodically checking whether the seller's business closure and business closure inquiry and the seller's seller account and settlement account change from a database by using the business number as the business number.

The database may be provided by the National Tax Service of the Republic of Korea. The information management unit may use a scraping technology to collect at least one of the seller information and the seller sales information in real time.

If the name of the account holder of the bank account inputted from the seller and the seller is different in response to the seller's request for the settlement of settlement, the settlement completion amount of the seller for the most recent first period is less than the settlement request amount In this case, when the sales on the online shopping mall for the second most recent period of the seller are equal to or greater than the first ratio of the sales during the last third period of the seller, and the settlement completion amount of the seller during the latest fourth period is greater than the settlement scheduled amount In at least one of the cases in which the deposit is less than the second ratio, it may include determining whether to reject the approval as whether to approve the selected mountain.

The selected product review unit includes: a unit price of a product sold by the seller, an order quantity for the product, whether the product is currently sold, an operating period during which the seller sold the product, a return rate for the product, and the seller's Determining whether or not to approve the seller and the selectable payment amount based on at least one of the current balance of use, the basic fee contracted between the seller and the online shopping mall, and the advertising cost the seller has spent to sell the product can do.

The selected calculation unit may include periodically determining the selectable amount for each seller for each specific period.

The acquisition contract may be conducted as a non-face-to-face contract.

The selected calculation processing unit may remit the selected calculation amount at any time.

A system for selectively calculating an unsettled sales price of a seller who sells a product in an online shopping mall, the virtual account for payment in which the unsettled sales price is deposited for receiving the unsettled sales price to the online shopping mall , an operating account in which the selected amount is deposited and managed as operating funds, for remitting the selected amount to the seller and receiving the selected amount from the virtual account for payment; A withdrawal account for depositing the accumulated usage fee for the use of the evaluation system and the system administrator withdrawing the management cost of the selected evaluation system, and a withdrawal account for managing the operating funds when necessary, and the selected amount from the operating account To receive a deposit and receive an excess settlement amount that is an amount obtained by subtracting the selected amount and the accumulated usage fee from the unsettled amount in the virtual account for payment; can

According to the technical idea of the present invention, various types of risks in which the seller information, the seller sales information and the business number cannot be collected and the payment settled to the seller cannot be recovered can be minimized. In addition, when the seller applies for the selected amount, the amount of the selected amount can be remitted to the seller through the selected amount in real time.

1 is a schematic conceptual diagram illustrating a method for providing a service for selection of a selection calculation according to an embodiment of the present invention.
2 is a flowchart illustrating a flow of a method for providing a service for selection calculation according to an embodiment of the present invention.
3 is a block diagram showing the configuration of an apparatus for providing a service for selecting a mountain service according to an embodiment of the present invention.
Figure 4 is a conceptual diagram showing the flow of the service cash flow according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present disclosure will be described in detail with reference to the accompanying drawings. Advantages and features of the present disclosure, and methods for achieving them, will become apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. However, the technical spirit of the present disclosure is not limited to the following embodiments, but may be implemented in various different forms, and only the following embodiments complete the technical spirit of the present disclosure, and in the technical field to which the present disclosure belongs It is provided to fully inform those of ordinary skill in the scope of the present disclosure, and the technical spirit of the present disclosure is only defined by the scope of the claims.

In adding reference numerals to the components of each drawing, it should be noted that the same components are given the same reference numerals as much as possible even though they are indicated on different drawings. In addition, in describing the present disclosure, if it is determined that a detailed description of a related known configuration or function may obscure the gist of the present disclosure, the detailed description thereof will be omitted.

Unless otherwise defined, all terms (including technical and scientific terms) used herein may be used with the meaning commonly understood by those of ordinary skill in the art to which this disclosure belongs. In addition, terms defined in a commonly used dictionary are not to be interpreted ideally or excessively unless clearly defined in particular. The terminology used herein is for the purpose of describing the embodiments and is not intended to limit the present disclosure. As used herein, the singular also includes the plural unless specifically stated otherwise in the phrase.

In addition, in describing the components of the present disclosure, terms such as first, second, A, B, (a), (b), etc. may be used. These terms are only for distinguishing the components from other components, and the essence, order, or order of the components are not limited by the terms. When it is described that a component is “connected”, “coupled” or “connected” to another component, the component may be directly connected or connected to the other component, but another component is between each component. It should be understood that elements may be “connected,” “coupled,” or “connected.”

As used herein, “comprises” and/or “comprising” refers to a referenced component, step, operation and/or element of one or more other components, steps, operations and/or elements. The presence or addition is not excluded.

A component included in one embodiment and a component having a common function may be described using the same name in another embodiment. Unless otherwise stated, the descriptions described in one embodiment may be applied to other embodiments, and specific descriptions will be omitted within the overlapping range or within the range that can be clearly understood by those skilled in the art. can

Hereinafter, some embodiments of the present disclosure will be described in detail with reference to the accompanying drawings.

Hereinafter, the present invention will be described in detail with reference to preferred embodiments of the present invention and the accompanying drawings.

1 is a conceptual diagram schematically illustrating a method for providing a seonjeongsan service according to the present invention.

Referring to FIG. 1 , when the seller 200 registers a product in the online shopping mall 300 , a sale may be made between the seller 200 and the consumer ( S110 ). In one example, the online shopping mall 300 may be a social commerce that is an electronic commerce using a social network. The sale price due to the sale between the seller 200 and the consumer is paid from the online shopping mall 300 to the seller 200 after a considerable period of time has elapsed. In one example, the seller 200 may receive the sale price after 1 to 2 months. Accordingly, an unsettled sales price may occur during a period in which payment of the sales price is delayed.

The seller 200 may apply for a pre-settlement calculation to the pre-settlement evaluation system 100 in order to immediately receive the unsettled sales price (S120). Seonjeongsan evaluation system 100 may determine whether to review and approve the seller 200's Seonjeongsan application (S130). When the evaluation of the seller 200 is approved, the selected amount evaluation system 100 may notify the seller 200 of the amount that can be approved and selected.

Seonjeongsan evaluation system 100 may enter into a bond transfer contract with the seller 200 within the possible amount of the selected amount notified to the seller 200 (S140). When the bond transfer contract is concluded, the Seonjeongsan evaluation system 100 may pay the seller 200 an amount requested by the seller 200 (S150). Afterwards, the selection evaluation system 100 may receive the unsettled sales price from the online shopping mall 300 based on the bond received from the seller 200 (S160).

2 is a flowchart illustrating a flow of a method for providing a service for selection calculation according to an embodiment of the present invention.

Referring to FIG. 2 , the selection service may include an application step (S200) and a request step (S270). The application step ( S200 ) may be a step in which the seller 200 plays a role of examining whether the selected mountain service is available and contracting when the seller 200 uses the selected mountain evaluation system 100 for the first time. If the selected mountain service becomes available (S260), when the selected mountain service is reused later, the application step (S200) may be omitted. The request step ( S270 ) may be a step of exchanging money between the Seonjeongsan evaluation system 100 , the seller 200 , and the online shopping mall 300 . In order to receive the unsettled sales price after the sale of the product in the online shopping mall 300, the seller 200 may sign up for a membership in the Seonjeongsan evaluation system 100 and apply for the Seonjeongsan service (S210). ). Information to be input by the seller 200 at the time of membership registration may include a business number and online shopping mall login information, a contact person, contact information, bank account, and e-mail, but the technical spirit of the present invention is not limited thereto.

The selected mountain evaluation system 100 may examine the selected mountain for the seller 200 based on the information received from the seller 200 . In an embodiment, the Seonjeongsan evaluation system 100 may inquire about the business suspension and closure of the seller 200 from the database using the business number received from the seller 200 (S215). In one example, the database may be provided by the National Tax Service of the Republic of Korea. In one embodiment, the Seonjeongsan evaluation system 100 may use a scraping technique to collect information using the business number in real time. Seonjeongsan evaluation system 100 may request the seller 200 to re-enter the business number if the input business number is not a valid business number (NO in S215).

In an embodiment, the Seonjeongsan evaluation system 100 may access the online shopping mall 300 by using the login information of the online shopping mall 300 received from the seller 200 (S215). If the connection to the online shopping mall 300 fails, the Seonjeongsan evaluation system 100 may request the seller 200 to re-enter login information. In one embodiment, the Seonjeongsan evaluation system 100 may collect business number data in real time using a data scraping technology in the online shopping mall 300 accessed using login information, and the seller 200 selects It can be checked whether the business number entered at the time of membership registration in the mountain evaluation system 100 matches the business number collected through data scraping.

Seonjeongsan evaluation system 100 may collect the sales information of the seller 200 in real time (S220), and calculate the seller 200's Seonjeongsan service use qualification and the possible amount of the selected mount (S225).

In an embodiment, when the seller 200 corresponds to at least one of the following cases, the selected mountain evaluation system 100 may determine whether to reject the selected mountain as whether to approve the selected mountain.

(1) When the name of the account holder of the bank account input from the seller 200 and the seller 200 is different

(2) When the settlement completion amount for the last first period of the seller 200 is less than the settlement request amount

(3) When the seller 200's sales on the online shopping mall 300 for the second most recent period is equal to or greater than the first ratio of the seller 200's sales for the third most recent period

(4) When the settlement completion amount of the seller 200 has been deposited less than the scheduled settlement amount by a second rate or more during the fourth recent period

(5) When the unit price of the seller 200 exceeds the first amount during the fifth period

(6) When the order quantity of the seller 200 is less than the first quantity during the last 6th period

(7) If sales do not occur within the 7th period of the seller 200

In one example, the first period, the second period, the fourth period, the fifth period, and the sixth period may be 3 months, the third period may be 2 weeks, the first ratio is 50%, The second ratio may be 10%, the first amount may be 1 million won, and the first quantity may be 100 pieces.

In one embodiment, the sales information of the seller 200 includes the product unit price of the product, the order quantity for the product, whether the product is currently sold, the operating period during which the seller 200 sold the product, and the return rate for the product. , the current balance of the seller 200, the basic fee contracted between the seller 200 and the online shopping mall 300, and the seller 200 may include at least one of the advertising cost to sell the product.

When it is determined that the seller 200 is qualified to use the Seonjeongsan service, the Seonjeongsan evaluation system 100 may notify the seller 200 of the decision to approve and the possible amount of the Seonjeongsan service (S230). In one example, in the case of a new customer, the minimum proceeding amount may be set at 1 million won, and sales completed within the last 7 days may be excluded from the selected calculation range. The pre-calculable amount may be determined through Equation (1).

[Equation 1]

(Amount that can be calculated) = (Amount to be settled after the application date x LTV)-(Current usage balance + Basic fee + Advertising cost)

The LTV of Equation 1 may be determined using Equation 2 below.

[Equation 2]

(LTV) = (operation period) x (return rate)

The operating period may be determined based on Table 1 below. In addition, the return rate may be determined based on Table 2 below. The return rate may be determined based on the number of returns that occur in a week.

operating period 3 months or more 2-3 months operation less than 2 months Settlement amount (%) 100% 50& impossible

Return rate (%) 1% or less 1-3% or less 3-5% or less more than 5% Settlement amount (%) 100 95 90- (return rate) 90- (return rate*2)

In one example, if the operation is more than 3 months and the return rate is 4%, LTV = (operation period) x (return rate) = 100% x 90(90-4)% = 86%. Advertisement cost in Equation 1 for the selectable price may be applied or not depending on the online shopping mall 300 . In one example, if it is an online shopping mall that does not use advertisements, the advertisement fee may not be applied. In another example, if it is an online shopping mall that uses advertisements, an advertisement fee may be applied, and the Seonjeongsan evaluation system 100 may obtain related data from the advertiser center of the online shopping mall 300 .

Seonjeongsan evaluation system 100 may take over the bond of the seller 200 and proceed with a transfer contract for paying the selected amount to the seller 200 (S240). The transfer contract may be performed as a non-face-to-face contract in which the seller 200 and the subject of the Seonjeongsan evaluation system 100 do not face each other directly. To use the money transfer service, you can use a payment gateway, a service that acts as a proxy for transactions with financial institutions on the Internet. Through the payment service provider, a virtual account for payment, which is an account for receiving the payment of the seller's selected amount and the unsettled amount, may be automatically created. The virtual account for payment may be created for each customer and each online shopping mall. The seller 200 may change the online shopping mall payment account to the virtual account for payment (S250).

Seonjeongsan evaluation system 100 may inquire whether the payment account of the online shopping mall 300 has been changed to the virtual account for payment (S255). That is, the selected mountain evaluation system 100 may determine whether the payment account of the online shopping mall 300 matches the virtual account for payment. When the payment account of the online shopping mall 300 and the virtual account for payment match, the Seonjeongsan evaluation system 100 may change the status of the seller 200 to the Seonjeongsan service available state (S260).

The seller 200 may make a request for withdrawal of a desired amount of the selected amount within the determined amount of the selected amount to the assessment system 100 for the selected amount (S275). In one embodiment, the pre-selection evaluation system 100 may prevent the seller 200 from inputting the pre-determined amount of an amount greater than the pre-determined amount possible.

Seonjeongsan evaluation system 100 may remit the selected amount to the bank account of the seller 200 ( S280 ). When the bank account is first registered, the Seonjeongsan evaluation system 100 may perform identity authentication only once to check whether the customer's own account is correct, and in one example, the Seonjeongsan evaluation system 100 is the bank account You can verify your identity by depositing a specific amount (eg, 1 won) to the . In one embodiment, the Seonjeongsan evaluation system 100 may perform registration only when the account holder of the bank account is the same as the name of the seller 200 .

Seonjeongsan evaluation system 100 may transfer the selected amount of money stored in the operating account to the bank account of the seller 200 . According to the technical idea of the present disclosure, according to the non-face-to-face processing of the selection calculation, when the seller 200 desires the selection calculation, the selection calculation can be made in real time.

The online shopping mall 300 may transfer the unsettled sales price on the settlement date to the virtual account for payment of the selection settlement evaluation system 100 (S285). The selection calculation system 100 may process the balance of the accumulated usage fee from the deposited unsettled sales price. The balance of the accumulated usage fee may be a usage fee for the selected mountain evaluation system 100 of the seller 200 . Seonjeongsan evaluation system 100 may immediately withdraw the accumulated usage fee from the Seonsansan system withdrawal account. In addition, the selection calculation evaluation system 100 may redeem the predetermined calculation amount paid by the seller 200 with the remaining unsettled sales price excluding the accumulated usage fee. The paid amount of the selected mountain may be stored in the operating account of the selected mountain evaluation system 100 . That is, the selection calculation evaluation system 100 reimburses the accumulated usage fee and the predetermined payment amount from the unsettled sales price paid from the online shopping mall 300, and the accumulated usage fee from the unsettled sales price The excess settlement amount (S290), which is the remaining amount after deducting the usage fee and the paid selected amount, may be transferred to the bank account of the seller 200 .

3 is a block diagram showing the configuration of an apparatus for providing a service for selecting a prepaid service according to an embodiment of the present invention.

Referring to FIG. 3 , the Seonjeongsan evaluation system 100 may include a platform unit 110 and a money management unit 120 . The platform unit 110 may perform a role of receiving information and an application for selected purchase from the seller 200 , and receiving seller sales information from the online shopping mall 300 to determine whether the selected purchase is possible. The platform unit 110 may include an information input unit 111 , an information management unit 112 , a selection calculation unit 113 , and an information output unit 140 . The information input unit 111 may receive an application for selected mountain from the seller 200 and receive seller information. The information management unit 112 may collect seller sales information from the online shopping mall 300 by using the received seller information. The selected mountain review unit 113 may store the collected seller sales information, and analyze the seller information and the seller sales information to determine whether to approve the selected mountain and a possible payment amount. The information output unit 114 may output to the seller whether or not to approve the selection calculation for the application for selection calculation and the amount available for selection calculation.

When the platform unit 110 approves the selected amount, the money management unit 120 concludes a transfer contract with the seller 200 , receives a request for the selected amount from the seller 200 , and asks the seller 200 for the selected amount and may serve to receive the unsettled sales price in the online shopping mall 300 . The money management unit 120 may include a Seonjeongsan contract unit 121 , a Seonjeongsan request unit 122 , a Sejeongsan mountain processing unit 123 , and a Sejeongsansan collection unit 124 . Seonseongsan contract unit 121 may perform a contract for the acquisition of bonds with the seller 200 . The pre-selection request unit 122 may receive the pre-determined amount from the seller 200 within the pre-determined amount. The selection calculation processing unit 123 may remit the predetermined calculation amount to the bank account of the seller 200 . The selection settlement collection unit 124 may receive the unsettled sales price based on the bond from the online shopping mall. In an embodiment, the selection payment collection unit 124 may request the unsettled sales price to the online shopping mall.

Figure 4 is a conceptual diagram showing the flow of the service cash flow according to an embodiment of the present invention.

2 to 4 , the selected mountain evaluation system 100 may manage an operating account 410 , a virtual account for payment 420 , a withdrawal account 430 , and a service use account 440 . The operating account 410 remits the selected amount requested by the seller 200 from the selected settlement processing unit 123 ( S310 ), and the unsettled settlement received by the selected settlement collection unit 124 at the online shopping mall 300 . As an account receiving the deposit (S330) of the selected amount among the accumulated amounts, the selected amount for each online shopping mall may be deposited in the operating account 410 and managed as operating funds. The virtual account 420 for payment is an account in which the selection calculation collection unit 124 receives the unsettled sales price received from the online shopping mall 300 as a deposit (S320), and the unsettled sales price for each seller and online shopping mall is It may be deposited in the virtual account 420 for payment. In the withdrawal account 430, the system administrator 450 receives the accumulated usage fee, which is the fee for using the Seonjeongsan evaluation system, from the virtual account for settlement 420 (S340), and the system manager 450 pays the funds required to manage the Seonjeongsan evaluation system 100. As an account for withdrawing (S360), the accumulated usage fee for each online shopping mall may be deposited in the withdrawal account 430 and managed as operating funds. The service use account 440 receives the excess settlement amount that is the amount obtained by subtracting the selected amount and the accumulated usage fee from the virtual account 420 for payment (S350), and deposits the selected amount from the operating account 410 ( S310) As the receiving account, the seller may register the service use account 440 in order to receive the payment of the selected amount for each seller and the excess settlement amount.

Exemplary embodiments have been disclosed in the drawings and specification as described above. Although the embodiments have been described using specific terms in the present specification, these are only used for the purpose of explaining the technical spirit of the present disclosure, and are not used to limit the meaning or the scope of the present disclosure described in the claims. Therefore, it will be understood by those skilled in the art that various modifications and equivalent other embodiments are possible therefrom. Accordingly, the true technical protection scope of the present disclosure should be defined by the technical spirit of the appended claims.

100: Seonjeongsan evaluation system 110: Platform unit
111: information input unit 112: information management unit
113: Seonjeongsan mountain screening unit 114: information output unit
120: Money management department 121: Seonjeongsan contract department
122: Seonjeongsan request unit 123: Seonseungsan mountain processing unit
124: Seonseongsan recovery unit 200: Seller
300: online mall 410: operating account
420: virtual account for payment 430: withdrawal account
440: service use account 450: system administrator

Claims (12)

In the system for selectively calculating the unsettled sales price of a seller who sells a product in an online shopping mall,
an information input unit that receives an application for selection from the seller and receives seller information;
an information management unit for collecting seller sales information using the seller information and storing the collected seller sales information;
a selection mountain review unit that analyzes the seller information and the seller sales information to determine whether to approve the selection mountain and the possible amount of the selection mountain;
an information output unit for outputting to the seller whether or not to approve the selection calculation for the application for the selection calculation and the amount that can be calculated for the selection calculation;
Seongsansan contracting unit for performing a contract for the acquisition of bonds from the seller;
a selected calculation requesting unit receiving an input of the selected amount from the seller within the selectable amount;
Seonjeongsan processing unit to remit the selected amount to the bank account of the seller; And
a selection account collection unit for receiving the unsettled sales price from the online shopping mall based on the bond; Seonjeongsan evaluation system that includes. The method of claim 1,
The online shopping mall is an e-commerce transaction using a social network, which is a social commerce system. The method of claim 1,
The seller information includes a business number of the seller and log-in information for the online shopping mall of the seller. 4. The method of claim 3,
The information management unit uses the business number as the business number to inquire about business closure and closure of the seller, and periodically checks whether the seller's seller account and settlement account are changed from a database for a specific period. 5. The method of claim 4,
Seonjeongsan system, characterized in that the database is provided by the National Tax Service of the Republic of Korea. The method of claim 1,
The information management unit, Seonjeongsan evaluation system, characterized in that using a scraping technology to collect at least one of the seller information and the seller sales information in real time The method of claim 1,
In response to the seller's request for the selected product, the selected product review unit,
When the name of the account holder of the bank account input from the seller and the seller is different, when the amount of settlement completed for the last first period of the seller is less than the amount requested for settlement,
When the sales on the online shopping mall during the second most recent period of the seller are equal to or greater than the first ratio of the sales of the seller during the most recent third period, and the settlement completion amount of the seller during the latest fourth period is greater than the scheduled settlement amount Seonjeongsan evaluation system, characterized in that in at least one of the cases where the deposit is less than or equal to the ratio, it is determined whether the approval is rejected as the approval of the selected mountain The method of claim 1,
The selected product review unit includes: a unit price of a product sold by the seller, an order quantity for the product, whether the product is currently sold, an operating period during which the seller sold the product, a return rate for the product, and the seller's determining whether to approve the seller and the selectable payment amount based on at least one of a current balance of use, a basic fee contracted between the seller and the online shopping mall, and an advertisement cost the seller has spent to sell the product Seonjeongsan evaluation system 9. The method of claim 8,
The selection calculation system, characterized in that the selection calculation unit periodically determines the possible selection amount for each seller for each specific period The method of claim 1,
Seonjeongsan evaluation system, characterized in that the acquisition contract is conducted as a non-face-to-face contract The method of claim 1,
The selection calculation system, characterized in that the selection calculation processing unit can remit the selection calculation amount at any time In the system for selectively calculating the unsettled sales price of a seller who sells a product in an online shopping mall,
a virtual account for payment in which the unsettled sales price is deposited for receiving the unsettled sales price from the online shopping mall;
an operating account in which the selected amount is deposited and managed as operating funds, for remitting the selected amount to the seller and receiving the selected amount from the virtual account for payment;
A withdrawal account for depositing the accumulated usage fee for the use of the selected mountain evaluation system in the virtual account for payment and for the system administrator to withdraw the management cost of the selected mountain evaluation system, depositing the accumulated usage fee and managing the operating funds if necessary ;and
The selected amount and the excess settlement amount for receiving the selected amount from the operating account and receiving an excess settlement amount that is an amount obtained by subtracting the selected amount and the accumulated usage fee from the unsettled amount in the virtual account for payment Seonjeongsan evaluation system including;

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