KR20220014781A - Apparatus and method for analyzing product review - Google Patents

Abstract

In accordance with one embodiment of the present invention, a financial transaction system for micropayment, which is a financial transaction system capable of performing micropayment through a telephone number of a terminal, includes: a user recognition part building a network connection with a first mobile device used by a first user, and recognizing a telephone number of the first mobile device when connected with the first mobile device; a remittance information acquisition part receiving remittance information including a telephone number of a second mobile device used by a second user who is a remittance recipient and a remittance amount for the second user, from the first mobile device; and a remittance processing part checking the balance of a first bank account of the first user connected with the telephone number of the first user, checking the balance of a second bank account of the second user connected with the telephone number of the second user based on the remittance information, and processing the remittance to deposit the remittance amount into the second bank account of the second user. Therefore, the present invention is capable of providing product evaluation scores about an analysis subject product.

Description

A micropayment system and micropayment method that provides product review information using a spam classifier, a rule-based classifier, and a statistics-based classifier {APPARATUS AND METHOD FOR ANALYZING PRODUCT REVIEW}

The present invention relates to a payment system and a payment method, and more particularly, to a micropayment system and a micropayment method capable of making a small payment when purchasing a product through a network.

In the case of countries such as Pakistan that do not have communication infrastructure and financial network infrastructure, financial institutions are concentrated in cities, and there are many places where communication networks and financial institutions do not exist in rural areas. Accordingly, a large amount of cost is incurred in financial transactions, and there are cases in which a general bank account transfer fee becomes 5% or more of the transfer amount.

In the case of regions where communication infrastructure and financial network infrastructure are insufficient, remittance to a seller when purchasing a product not only incurs a significant fee, but also incurs the inconvenience of having to go to a bank branch located in a geographically distant location for remittance. Accordingly, there is a demand for a system capable of remittance using a mobile device such as a mobile phone.

In addition, it is not easy for people living in an area where communication infrastructure is not equipped to access various information about the product even if there is a product they wish to purchase. Accordingly, there is also a demand for a system that provides evaluation of goods or evaluation of sellers in quantitative numbers.

The problem to be solved by the present invention is to solve the problems of the prior art described above, and it is possible to remit money using a mobile device, and to provide various information that helps in selecting a product to be purchased and a seller when purchasing a product. It is to provide a financial transaction system and financial transaction method that can be

According to an embodiment of the present invention, as a financial transaction system capable of micropayment through a terminal phone number, a network connection is established with a first mobile device used by a first user, and when the first mobile device is connected, a user recognition unit for recognizing a phone number of the first mobile device; a remittance information acquisition unit configured to receive remittance information including a phone number of a second mobile device used by a second user who is a counterpart to a remittance from the first mobile device and remittance amount to the second user; Check the balance of the first bank account of the first user linked to the phone number of the first user, and check the second bank account of the second user linked to the phone number of the second user based on the remittance information and a remittance processing unit performing remittance processing for depositing the remittance amount into the second bank account of the second user.

In one embodiment, further comprising a user authentication unit for transmitting a message including an authentication number to the first mobile device in which the phone number is recognized, and determining whether the authentication number received from the first mobile device matches the transmitted authentication number and the remittance processing unit may perform the remittance processing when it is determined by the user authentication unit that the authentication numbers match.

In an embodiment, when the remittance amount is greater than the balance of the first bank account, the remittance processing unit may transmit a notification message of insufficient balance to the first mobile device without performing the remittance processing.

In an embodiment, the remittance processing unit may transmit a notification message of completion of remittance processing to the first mobile device and the second mobile device after depositing the remittance amount into the second bank account.

In one embodiment, further comprising a purchase information providing unit for providing a product evaluation score for an analysis target product from Internet postings collected through a network, and providing a vendor evaluation score for a service of a vendor selling the analysis target product and, the first user decides to purchase a product based on the product evaluation score and the seller evaluation score provided by the purchase information providing unit, and purchases the product through the remittance information acquisition unit and the remittance processing unit. payment can be made.

In one embodiment, the purchase information providing unit, a crawling module for collecting Internet posts through a network; a sentiment word extraction module for extracting sentiment words that are evaluated positively or negatively with respect to the analysis target product from the collected Internet postings; The product evaluation module may include a product evaluation module for calculating a product evaluation score for the analysis target product based on the sensitivity level and polarity information for each emotional word stored in advance with respect to the analysis target product.

In one embodiment, the product evaluation module is higher than the Internet postings with fewer followers or Internet posts with fewer retweets for the Internet postings or Internet postings with a large number of retweets of the author who wrote the Internet posting. The product evaluation score may be calculated by applying a weight.

In one embodiment, the purchase information providing unit, the seller evaluated by scoring the seller attributes including the selling price, payment information, delivery information, and customer service information of a plurality of sellers selling the analysis target product by objective evaluation criteria It may include a vendor analysis module that calculates an evaluation score.

According to another embodiment of the present invention, there is provided a financial transaction method for a micropayment performed by a financial transaction system capable of micropayment through a terminal phone number, establishing a network connection with a first mobile device used by a first user, and , a user recognition step of recognizing a phone number of the first mobile device when connected to the first mobile device; a remittance information acquisition step of receiving remittance information including a phone number of a second mobile device used by a second user who is a counterpart to a remittance from the first mobile device and remittance amount to the second user; Check the balance of the first bank account of the first user connected to the terminal phone number of the first user, and the second user of the second user connected to the terminal phone number of the second user based on the remittance information? ? A financial transaction method for a small amount payment may be provided, including a remittance processing step of confirming an account and performing remittance processing of depositing the remittance amount into the second bank account of the second user.

According to an embodiment of the present invention, a phone number and a remittance amount of a remittance counterpart are received from a first mobile device having a network connection with a financial transaction system, and based on the received remittance information, the remittance counterpart's bank account A financial transaction system and a financial transaction method capable of remittance using a mobile device may be provided by performing remittance processing with a mobile device.

In addition, according to an embodiment of the present invention, a purchase for providing a product evaluation score for an analysis target product from Internet postings collected through a network and providing a vendor evaluation score for a service of a vendor selling the analysis target product By including the information providing unit, a financial transaction system and financial transaction method can be provided that provide various information to help select a product to be purchased and a seller when purchasing a product.

1 is a diagram illustrating a connection structure of a financial transaction system according to an embodiment of the present invention.
2 is a block diagram showing the configuration of a financial transaction system according to an embodiment of the present invention.
3 is a block diagram illustrating a configuration of a purchase information providing unit according to an embodiment of the present invention.
4 is a flowchart illustrating a process for classifying a post related to an analysis target product using a spam classifier, a rule-based classifier, and a statistics-based classifier according to an embodiment of the present invention.
5 is a flowchart of a financial transaction method performed by a financial transaction system according to an embodiment of the present invention.
6 is a flowchart illustrating a process by a purchase information providing unit of a financial transaction system according to an embodiment of the present invention.

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

The terms used in the present invention have been selected as currently widely used general terms as possible while considering the functions in the present invention, but these may vary depending on the intention or precedent of a person skilled in the art, the emergence of new technology, and the like. In addition, in a specific case, there is a term arbitrarily selected by the applicant, and in this case, the meaning will be described in detail in the description of the corresponding invention. Therefore, the term used in the present invention should be defined based on the meaning of the term and the overall content of the present invention, rather than the name of a simple term.

In the entire specification, when a part "includes" a certain element, this means that other elements may be further included, rather than excluding other elements, unless otherwise stated. In addition, terms such as "...unit" and "module" described in the specification mean a unit that processes at least one function or operation, which may be implemented as hardware or software, or a combination of hardware and software. .

Hereinafter, with reference to the accompanying drawings, the embodiments of the present invention will be described in detail so that those of ordinary skill in the art can easily implement them. However, the present invention may be embodied in several different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

1 is a diagram illustrating a connection structure of a financial transaction system according to an embodiment of the present invention.

Referring to FIG. 1 , a financial transaction system 400 may connect to one or more first mobile devices 300 and one or more second mobile devices 200 through a network communication network 100 .

An example of a network communication network 100 in which the financial transaction system 400 is connected with one or more first mobile devices 300 and one or more second mobile devices 200 includes RF, 3rd Generation Partnership Project (3GPP) network, LTE (Long Term Evolution) network, 5rd Generation Partnership Project (5GPP) network, WIMAX (World Interoperability for Microwave Access) network, Internet, LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN (Wide) Area Network), PAN (Personal Area Network), Bluetooth (Bluetooth) network, NFC network, satellite broadcasting network, analog broadcasting network, DMB (Digital Multimedia Broadcasting) network, and the like are included, but are not limited thereto.

The at least one first mobile device 300 and the at least one second mobile device 200 have a unique identification number (phone number, MAC address, etc.) such as a PCS, a cellular phone, a mobile phone, a smart phone, etc. may include The user of the first mobile device 300 may transfer money to the user of the second mobile device 200 , and the user of the second mobile device 200 may transfer money to the user of the first mobile device 300 . have.

The financial transaction system 400 may use the phone number of the mobile device 300 or 200 to identify the user's bank account and perform remittance processing on the bank account associated with the phone number. In addition, the financial transaction system 400 provides a product evaluation score for the analysis target product from the Internet postings collected through the network to the mobile devices 300 and 200, and evaluates the vendor for the service of the vendor selling the analysis target product score can be provided.

2 is a block diagram showing the configuration of a financial transaction system 400 according to an embodiment of the present invention.

Referring to FIG. 2 , the financial transaction system 400 may include a user recognition unit 41 , a user authentication unit 42 , a remittance information acquisition unit 43 , and a purchase information providing unit 45 .

The user recognition unit 41 establishes a network connection with the first mobile device 300 used by the first user, and when connected to the first mobile device 300 , obtains the phone number of the first mobile device 300 . can be recognized

The user authentication unit 42 transmits a message including the authentication number to the first mobile device 300 for which the phone number is recognized, and checks whether the authentication number received from the first mobile device 300 matches the transmitted authentication number. can judge

The remittance information acquisition unit 43 provides remittance information including the phone number of the second mobile device 200 used by the second user who is the counterpart to the remittance from the first mobile device 300 and the remittance amount for the second user. can receive

The remittance processing unit 44 checks the balance of the first bank account of the first user connected to the phone number of the first user, and based on the received remittance information, the second user 2 is?? A remittance process of confirming the account and depositing the remittance amount into the second bank account of the second user may be performed.

The remittance processing unit 44 may perform remittance processing when it is determined by the user authentication unit 42 that the authentication numbers match.

When the remittance amount is greater than the balance of the first bank account, the remittance processing unit 44 may transmit a notification message of insufficient balance to the first mobile device 300 without performing remittance processing.

After depositing the remittance amount into the second bank account, the remittance processing unit 44 may transmit a notification message of completion of remittance processing to the first mobile device 300 and the second mobile device 200 .

The purchase information providing unit 45 may provide a product evaluation score for an analysis target product from Internet postings collected through a network, and may provide a vendor evaluation score for a service of a vendor that sells the analysis target product.

The first user determines to purchase a product based on the product evaluation score and the seller evaluation score provided by the purchase information providing unit 45 , and purchases the product through the remittance information acquisition unit 43 and the remittance processing unit 44 . Payment can be made.

3 is a block diagram illustrating a configuration of a purchase information providing unit according to an embodiment of the present invention.

Referring to FIG. 3 , the purchase information providing unit 45 may include a crawling module 451 , an emotional word extraction module 452 , a product evaluation module 453 , and a vendor analysis module 454 .

The crawling module 451 may collect Internet postings related to products to be analyzed through a network. The internet posts collected by the crawling module 451 may include posts posted by users who use various online services such as blogs, cafes, portals, shopping malls, and Twitter.

The sentiment word extraction module 452 may extract sentiment words that are evaluated positively or negatively with respect to the analysis target product from the collected Internet postings. The sentiment word extraction module 452 may perform pre-processing of refining text data in order to extract sentiment words.

SNS data has language-destructive features, such as ignoring spaces and using colloquialism, which prevents the morpheme analyzer that separates sentences for each part-of-speech function properly. Therefore, it is necessary to transform the data so that the morpheme analyzer works as correctly as possible.

First, each character string is separated for a character string in which only phonemes appear (eg, ㅋ, ㅠ, ㅎ) and a word to which a normal character string is attached. Second, it goes through the process of correcting some of the frequently used colloquial words online. This is the process of correcting colloquial words such as '～dang, ～yot, ～neeng', such as '～da, ～yo, ～yes'.

After these two types of preprocessing, morpheme analysis and sentence classification are performed for each document. For morpheme analysis, a morpheme analyzer provided by Seoul National University's Intelligent Data Systems (IDS) laboratory may be used. Sentence classification is based on terminating endings (EF), period-question mark-exclamation mark (SF), and ellipsis (SE). In addition, stop words such as a suffix (J), ending (E), and suffix (X) that are practically meaningless are removed, and special characters are also removed.

The emotional word extraction module 452 analyzes Internet postings or SNS text data according to the rules of semantic and syntax using ontology-based natural language processing technology to extract emotional words related to the product to be analyzed. It can be extracted sentence by sentence.

The emotional word extraction module 452 may extract morphemes (eg, body language, verb) based on morpheme information stored in the morpheme database with respect to the collected Internet postings.

The sentiment word extraction module 452 may analyze the extracted morphemes based on the information of the analysis target product database to find sentiment words in sentence units related to the analysis target product.

The product evaluation module 453 may calculate a product evaluation score for the analysis target product based on the sensitivity level and polarity information for each sentiment word previously stored for the analysis target product.

The sentiment word database may store information on the degree of emotion and polarity for each sentiment word used for positive or negative evaluation of the analysis target keyword. The degree of sensibility refers to the magnitude of positive or negative evaluation of the product to be analyzed, and the polarity of sensibility refers to whether a positive or negative evaluation is made.

The polarity of emotion can be set in various ways. As an example, the polarity of emotion may be set to an emotional word having a part-of-speech of a verb or an adjective, and may have opposite signs in a positive evaluation and a negative evaluation. That is, the polarity of the positive sentiment word may be displayed as positive (+), and the polarity of the negative sentiment word may be displayed as negative (-).

In addition, the absolute value of a number may indicate the magnitude of the sensitivity level. For example, the degree and polarity of sensitivity for the emotional words 'good' and 'bad' may be set to '1' and '-1', respectively, and the degree of the adverb of degree 'too' may be set to '2', , 'excellent' and 'poor' can be set to '2' and '-2', respectively, for the sensitivity and polarity for the emotional words.

A detailed method for calculating a product evaluation score for an analysis target product by analyzing the Internet postings collected by the product evaluation module 453 will be described below.

When the operation on the emotional word of the sentence unit to be processed is started, the variables i and av are initialized to 1 and 0, respectively. In this case, it is assumed that there are n emotional words in the corresponding sentence unit. The variable i is a variable indicating an emotional word that is currently processed among the n emotional words, and av is a variable for summing the degrees of emotion.

The product evaluation module 453 checks the degree of emotion for the i-th emotion word from the emotion word database, and adds the checked degree of emotion to the variable av.

If the value of variable i is not n, since there are still sentiment words to be processed, increase the value of variable i by 1 and proceed to the next step. If the value of variable i is n, there are no sentiment words to be processed. The sign is determined by the polarity set in the adjective or verb. Then, the variable av becomes the product evaluation score calculated by the product evaluation module 453 .

That is, when the sensitivity and polarity of the emotional word 'good' is '1', and the emotional word in the current sentence unit is 'good', an evaluation value of '1' is calculated. However, if there are two emotional words in the current sentence unit, 'too' and 'like', and the sensitivity and polarity for 'too' and 'like' are '2' and '1', respectively, the evaluation value is '3' It becomes (2+1=3).

If there are two emotional words in the current sentence unit, 'really' and 'mesh', and the degree and polarity of sensibility for 'really' and 'wrong' are '2' and '-2', respectively, the evaluation value becomes '-4' (-(2+2)= -4).

The product evaluation module 453 applies a higher weight to an Internet post with a large number of followers or an Internet post with a large number of retweets of the author who wrote the Internet post than an Internet post with fewer followers or an Internet post with a smaller number of retweets. Thus, a product evaluation score can be calculated.

The vendor analysis module 454 calculates the vendor evaluation score evaluated by scoring the seller attributes including the selling price, payment information, delivery information, and customer service information of a plurality of vendors selling the product to be analyzed by objective evaluation criteria. can

4 shows that the SNS message collected by the crawling module 451 according to an embodiment of the present invention is related to the product to be analyzed by the spam classifier, the rule-based classifier, and the statistics-based classifier (Positive). It is a block diagram showing classification as (Negative).

Referring to FIG. 4 , the SNS messages collected by the crawling module 451 are stored as a collection DB, and the SNS messages stored in the collection DB may be firstly removed from spam messages by the spam classifier. A message determined not to be a spam message by the spam classifier may be input to a role-based classifier. The role-based classifier may be classified into those related to the analysis target product (positive) and not related to the product (negative) by rule-based classification based on a predetermined pre-DB. If it is determined as positive by the role-based classifier, it can be used as a post that is the basis for product evaluation.

Messages classified as unrelated (Negative) by the role-based classifier can be classified as relevant (positive) and unrelated (Negative) to the product to be analyzed by the statistics-based classifier, and among these, Only those related to the target product (positive) can be used as the basis for product evaluation.

The spam classifier classifies posts containing advertisement posts unrelated to the analysis target product as spam posts, and the rule-based classifier includes a shopping mall dictionary database in which a shopping mall list is stored, an industry dictionary database in which a plurality of industries are stored, Based on a classification database including a domain dictionary database in which a domain list of product vendors is stored, a site dictionary database in which a site list of product vendors is stored, and a product name dictionary database in which a product list is stored, it is related to the product to be analyzed. You can classify the post as positive or negative depending on whether it is a post or not.

The statistical-based classifier extracts characteristic nouns through morpheme analysis after preprocessing to refine text data, and calculates the frequency and probability values of the characteristic nouns using the following Equations (1) and (2) Depending on whether a post is related to a product or not, the post can be classified as positive or negative.

-----------------------------수학식(1)

-----------------------------Equation (1)

-----------------------------수학식(2)

----------------Equation (2)

5 is a flowchart of a financial transaction method performed by the financial transaction system 400 according to an embodiment of the present invention.

Referring to FIG. 5 , first, the financial transaction system 400 may establish a connection with the first mobile device 300 (step S10 ). The financial transaction system 400 that has established a connection with the first mobile device 300 may recognize the phone number of the first mobile device 300 (step S12).

The financial transaction system 400 may transmit the authentication number to the first mobile device, and determine whether the authentication number received from the first mobile device matches the transmitted authentication number (step S14). When the received authentication number and the transmitted authentication number do not match (No in step S14), the process may be terminated.

When the received authentication number and the transmitted authentication number match (Yes in step S14), remittance information including the phone number of the second mobile terminal 200 and the remittance amount may be acquired (step S16) .

It is determined whether the balance of the first bank account of the first user is sufficient (step S18), and if the balance is not sufficient (step S18 'No'), the financial transaction system 400 sends a notification message that the balance is insufficient to the second mobile device 200 , and the process may end.

If the balance is sufficient (step S18 'Yes'), the second of the second user associated with the second user's phone number? The account may be checked, and the remittance amount may be deposited into the second bank account of the second user (step S20). After the remittance is completed, a message indicating that the remittance processing has been completed may be transmitted to the second mobile terminal 200 (step S22).

6 is a flowchart illustrating a process by the purchase information providing unit 45 of the financial transaction system 400 according to an embodiment of the present invention.

The crawling module 451 may collect Internet postings through a network (step S30).

Emotional word extraction module 452 It is possible to extract emotional words from the collected Internet postings (step S32). An emotional word is a word that evaluates positively or negatively on a product to be analyzed.

The product evaluation module 453 may calculate a product evaluation score based on the sensitivity level and polarity information for each sentiment word stored in advance with respect to the analysis target product (step S34).

The vendor analysis module 454 may calculate a vendor evaluation score by evaluating the selling price, payment information, delivery information, and customer service information according to an objective criterion (step S36).

The steps or processes described above may be executed by a hardware component, a software component, and/or a combination of the hardware component and the software component. For example, a step or process described in the embodiments may be, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable array (FPA), a PLU It may be implemented using one or more general purpose or special purpose computers, such as a programmable logic unit, microprocessor, or any other device capable of executing and responding to instructions. The processing device may execute an operating system (OS) and one or more software applications running on the operating system. A processing device may also access, store, manipulate, process, and generate data in response to execution of the software. For convenience of understanding, although one processing device is sometimes described as being used, one of ordinary skill in the art will recognize that the processing device includes a plurality of processing elements and/or a plurality of types of processing elements. It can be seen that can include For example, the processing device may include a plurality of processors or one processor and one controller. Other processing configurations are also possible, such as parallel processors.

Software may comprise a computer program, code, instructions, or a combination of one or more thereof, which configures a processing device to operate as desired or is independently or collectively processed You can command the device. The software and/or data may be any kind of machine, component, physical device, virtual equipment, computer storage medium or apparatus, to be interpreted by or to provide instructions or data to the processing device. , or may be permanently or temporarily embody in a transmitted signal wave. The software may be distributed over networked computer systems and stored or executed in a distributed manner. Software and data may be stored in one or more computer-readable recording media.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the medium may be specially designed and configured for the embodiment, or may be known and used by those skilled in the art. Examples of the computer-readable recording medium include magnetic media such as hard disks, floppy disks and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic such as floppy disks. - includes magneto-optical media, and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

As described above, although the embodiments have been described with reference to the limited embodiments and drawings, various modifications and variations are possible from the above description by those skilled in the art. For example, the described techniques are performed in an order different from the described method, and/or the described components of the system, structure, apparatus, circuit, etc. are combined or combined in a different form than the described method, or other components Or substituted or substituted by equivalents may achieve an appropriate result.

Therefore, other implementations, other embodiments, and equivalents to the claims are also within the scope of the following claims.

Claims (10)

As a financial transaction system that enables micropayment through a terminal phone number,
a user recognition unit that establishes a network connection with a first mobile device used by a first user, and recognizes a phone number of the first mobile device when connected to the first mobile device;
a remittance information acquisition unit configured to receive remittance information including a phone number of a second mobile device used by a second user who is a counterpart to a remittance from the first mobile device and remittance amount to the second user;
Check the balance of the first bank account of the first user linked to the phone number of the first user, and the second bank account of the second user linked to the phone number of the second user based on the remittance information? A remittance processing unit that confirms an account and performs remittance processing of depositing the remittance amount to the second bank account of the second user
A financial transaction system for micropayments, including According to claim 1,
A user authentication unit that transmits a message including an authentication number to the first mobile device whose phone number is recognized, and determines whether the authentication number received from the first mobile device matches the transmitted authentication number
further comprising,
The remittance processing unit is a financial transaction system for micropayment that performs the remittance processing when it is determined by the user authentication unit that the authentication numbers match. According to claim 1,
If the remittance amount is greater than the balance of the first bank account, the remittance processing unit does not perform the remittance processing, and transmits a notification message of insufficient balance to the first mobile device. According to claim 1,
The remittance processing unit deposits the remittance amount into the second bank account and then transmits a notification message of completion of remittance processing to the first mobile device and the second mobile device. According to claim 1,
Further comprising a purchase information providing unit for providing a product evaluation score for the product to be analyzed from Internet postings collected through the network, and to provide a vendor evaluation score for a service of a vendor that sells the analysis target product,
The first user determines to purchase a product based on the product evaluation score and the seller evaluation score provided by the purchase information providing unit, and pays the purchase price for the product determined through the remittance information acquisition unit and the remittance processing unit A financial transaction system for micropayments that 6. The method of claim 5,
The purchase information providing unit,
a crawling module for collecting Internet postings through a network;
a sentiment word extraction module for extracting sentiment words that are evaluated positively or negatively with respect to the analysis target product from the collected Internet postings;
A product evaluation module for calculating a product evaluation score for the analysis target product based on the sensitivity and polarity information for each emotional word stored in advance for the analysis target product
A financial transaction system for micropayments including 7. The method of claim 6,
The product evaluation module applies a higher weight than the Internet postings with fewer followers or Internet postings with fewer retweets to the Internet postings or Internet postings with many retweets of the author who wrote the Internet posting. A financial transaction system for micropayments that produces product evaluation scores 7. The method of claim 6,
The purchase information providing unit calculates a vendor evaluation score evaluated by scoring the seller attributes including the selling price, payment information, delivery information, and customer service information of a plurality of vendors selling the analysis target product based on an objective evaluation standard. A financial transaction system for micropayments including a vendor analysis module. 7. The method of claim 6,
The crawling module collects Internet posts related to the analysis target product by a spam classifier, a rule-based classifier and a statistics-based classifier,
The spam classifier classifies a post containing an advertisement post not related to the analysis target product as a spam post,
The rule-based classifier includes a shopping mall dictionary database in which a shopping mall list is stored, a business type dictionary database in which a plurality of business types are stored, a domain dictionary database in which a domain list of product sellers is stored, and a site in which a product seller site list is stored. Based on the classification database including the dictionary database and the product name dictionary database in which the product list is stored, the posting is classified as positive or negative according to whether the posting is related to the product to be analyzed,
The statistical-based classifier extracts characteristic nouns through morpheme analysis after preprocessing to refine text data, and calculates the frequency and probability values of the characteristic nouns using Equations (1) and (2) below. A financial transaction system for micropayments that classifies the post as positive or negative depending on whether the post is related to the product being analyzed.

--------------------Equation (1)

--------------------Equation (2)

As a financial transaction method for micropayments performed by a financial transaction system capable of micropayments through a terminal phone number,
a user recognition step of establishing a network connection with a first mobile device used by a first user, and recognizing a phone number of the first mobile device when connected to the first mobile device;
a remittance information acquisition step of receiving remittance information including a phone number of a second mobile device used by a second user who is a counterpart to a remittance from the first mobile device and remittance amount to the second user;
Check the balance of the first bank account of the first user connected to the terminal phone number of the first user, and the second user of the second user connected to the terminal phone number of the second user based on the remittance information? ? A remittance processing step of confirming an account and performing remittance processing of depositing the remittance amount to the second bank account of the second user
A financial transaction method for micropayments, including

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