KR20240032000A - Apparatus and method for providing price adjustment service for open market - Google Patents

Abstract

Provides a device for providing an open market settlement service, and according to an embodiment described in this specification, a storage unit that stores data for providing the open market settlement service, and a first server containing account information where deposit and withdrawal details have occurred. A first scraping unit that connects to scrape the deposit/withdrawal details of the relevant account and stores or updates them in the storage unit, and connects to a second server that contains sales details information for the sold products, scrapes the sales details of the sold products, and stores them in the storage unit. A second scraping unit that stores or updates the account, analyzes the settlement pattern for the open market based on the account's deposit/withdrawal history and the sales history of the sold product, and settles the settlement amount and settlement for the sold product based on the analyzed settlement pattern. It includes a control unit that predicts the timing.

Description

Apparatus and method for providing open market settlement service {APPARATUS AND METHOD FOR PROVIDING PRICE ADJUSTMENT SERVICE FOR OPEN MARKET}

Embodiments disclosed herein relate to an apparatus and method for providing an open market settlement service. More specifically, an open market settlement service providing apparatus that analyzes the settlement pattern of the open market and predicts the exact settlement amount and timing; It's about method.

Embodiments disclosed herein relate to an apparatus and method for providing an open market settlement service. More specifically, an open market settlement service providing apparatus that analyzes the settlement pattern of the open market and predicts the exact settlement amount and timing; It's about method.

Recently, the total annual sales of online stores (wholesale and retail stores) in the domestic e-commerce market is growing rapidly, reaching tens of trillions.

Among such e-commerce methods, the method that attracts consumers' attention is the method of transacting through an open market. In an open market, an open market provider, which maintains the open market system, registers operators of multiple online stores (hereinafter referred to as “online sellers”) as members of the open market, and online sellers wish to sell through the open market server. It supports the sale of products that are sold by the seller, and earns a commission as a portion of the price of the products sold by the seller.

When an online seller sells a product using an open market, the online seller does not receive payment immediately for the sale, so even if the sales volume of the product is increasing, the online seller is no longer able to purchase the product due to financial constraints. There is. In cases like these, an effective, quick, and safe way for online sellers to raise funds to purchase additional products is needed.

Relatedly, in Korean Patent Publication No. 10-2009-0081742, which is a prior art document, when an online seller requests financial services, the sales history information of the online seller is searched and sales forecast information is calculated based on it. It is listed. Accordingly, the loanable amount is determined and sales are made, but the open market sales receivables are transferred to the financial service provider.

However, there is no description of a configuration that analyzes the settlement pattern of the open market and predicts the exact settlement amount and timing. The purpose of the present invention is to provide an effective and safe open market settlement service to online sellers by analyzing the settlement pattern of the open market and predicting the exact settlement amount and timing.

Meanwhile, the above-described background technology is technical information that the inventor possessed for deriving the present invention or acquired in the process of deriving the present invention, and cannot necessarily be said to be known technology disclosed to the general public before filing the application for the present invention. .

The purpose of the embodiments disclosed in this specification is to present an effective and safe open market settlement service providing device to online sellers.

As a technical means for achieving the above-mentioned technical task, according to one embodiment, a device that provides an open market settlement service includes a storage unit that stores data for providing the open market settlement service, and account information where deposit and withdrawal details have occurred. A first scraping unit that connects to a first server containing scraping the deposit/withdrawal details of the account and stores or updates them in the storage unit, and connects to a second server containing sales history information about the sold product A second scraping unit that scrapes the sales history and stores or updates it in the storage unit, analyzes the settlement pattern for the open market based on the deposit/withdrawal history of the account and the sales history of the sold product, and sells based on the analyzed settlement pattern. It may include a control unit that predicts the settlement amount and settlement time for the product.

According to another embodiment, a method of providing an open market settlement service includes the step of accessing a first server containing account information where deposit and withdrawal details occurred and scraping the deposit and withdrawal details of the account, including sales history information for sold products. Connecting to a second server and scraping the sales history of the sold product, analyzing the settlement pattern for the open market based on the deposit/withdrawal history of the account and the sales history of the sold product, the analyzed settlement pattern It may include a step of predicting the settlement amount and settlement time for the sold product based on .

According to another embodiment, it is a computer program for performing a method of providing an open market settlement service. The method of providing an open market settlement service includes connecting to a first server containing account information where deposit and withdrawal details have occurred and depositing and withdrawing the account. Scraping the history, scraping the sales history of the sold product by connecting to a second server containing sales history information for the sold product, and opening the account based on the deposit/withdrawal history of the account and the sales history of the sold product. It may include analyzing the settlement pattern for the market and predicting the settlement amount and settlement time for the sold product based on the analyzed settlement pattern.

According to another embodiment, it is a computer-readable recording medium on which a program for executing a method of providing an open market settlement service is recorded on a computer, wherein the method of providing an open market settlement service includes information on accounts where deposits and withdrawals have occurred. Step 1: Connecting to a server and scraping the deposit/withdrawal details of the account; Connecting to a second server containing sales history information for the sold products; scraping the sales details of the sold products; Deposit/withdrawal details of the account and the sales It may include analyzing a settlement pattern for the open market based on the sales history of the product, and predicting a settlement amount and settlement time for the sold product based on the analyzed settlement pattern.

According to any one of the above-mentioned problem solving means, the effect of increasing the stability of the online seller's fund operation can be expected by predicting the exact settlement amount and timing in the open market of the online seller through an open market settlement service providing device.

In addition, through the open market settlement service provider, financial services (micro loans, etc.) can be provided to online sellers based on the predicted settlement amount and timing in the open market, which can be expected to increase the stability of online sellers' fund management. there is.

The effects that can be obtained from the disclosed embodiments are not limited to the effects mentioned above, and other effects not mentioned are clear to those skilled in the art to which the disclosed embodiments belong from the description below. It will be understandable.

Figure 1 is a diagram illustrating an open market settlement service providing system according to an embodiment.
Figure 2 is a block diagram for explaining the configuration included in the open market settlement service providing server according to an embodiment.
Figures 3 and 4 are diagrams for explaining a method of providing an open market settlement service according to an embodiment.

Below, various embodiments will be described in detail with reference to the attached drawings. The embodiments described below may be modified and implemented in various different forms. In order to more clearly explain the characteristics of the embodiments, detailed descriptions of matters widely known to those skilled in the art to which the following embodiments belong have been omitted. In addition, in the drawings, parts that are not related to the description of the embodiments are omitted, and similar parts are given similar reference numerals throughout the specification.

Throughout the specification, when a configuration is said to be “connected” to another configuration, this includes not only cases where it is “directly connected,” but also cases where it is “connected with another configuration in between.” In addition, when a configuration “includes” a configuration, this means that other configurations may be further included rather than excluding other configurations, unless specifically stated to the contrary.

Hereinafter, embodiments will be described in detail with reference to the attached drawings.

However, before explaining this, we first define the meaning of the terms used below.

Scraping refers to a technology that automatically accesses the system and extracts and retrieves necessary data. Information from a website or program can be retrieved and stored in another program or database to be viewed or used whenever necessary, and the saved data can also be used as comparative analysis data.

Terms that require explanation other than those defined above are explained separately below.

Figure 1 is a diagram illustrating an open market settlement service providing system according to an embodiment.

Referring to FIG. 1, the open market settlement service providing system 10 may be comprised of an open market settlement service providing server 100, a first server 200, a second server 300, and a terminal 400. The open market settlement service providing server 100 is connected to the first server 200, the second server 300, and the terminal 400 through a network (not shown). The open market settlement service providing server 100, the first server 200, the second server 300, and the terminal 400 can connect to the network to transmit and receive data.

The open market settlement service providing server 100 analyzes the settlement pattern of the open market based on data scraped from the first server 200 and the second server 300, predicts the exact settlement amount and time, and sends this to the terminal ( 400).

According to one embodiment, the first server 200 is a financial institution server that contains account information where the online seller's deposit and withdrawal details occurred, and the second server 300 contains sales history information about products sold by the online seller. It is an open market server, and the terminal 400 may be a smartphone or tablet terminal.

The open market settlement service providing system 10 shown in FIG. 1 is a server-client system, but, differently, it may be composed of a single electronic device on which an open market settlement service application is installed.

Figure 2 is a block diagram for explaining the configuration included in the open market settlement service providing server 100 according to an embodiment. Referring to Figure 2, the open market settlement service providing server 100 according to an embodiment may include a communication unit 110, a control unit 120, a storage unit 130, and a scraping unit 140.

The communication unit 110 may perform wired or wireless communication with other devices or networks. To this end, the communication unit 110 may include a communication module that supports at least one of various wired and wireless communication methods. For example, a communication module may be implemented in the form of a chipset.

Wireless communication supported by the communication unit 110 may be, for example, Wi-Fi (Wireless Fidelity), Wi-Fi Direct, Bluetooth, UWB (Ultra Wide Band), or NFC (Near Field Communication). Additionally, wired communication supported by the communication unit 110 may be, for example, USB or HDMI (High Definition Multimedia Interface).

The control unit 120 controls the overall operation of the open market settlement service providing server 100 and may include a processor such as a CPU. The control unit 120 may provide an open market settlement service by executing a program for providing an open market settlement service stored in the storage unit 130.

The specific method by which the control unit 120 provides the open market settlement service will be described in detail below with reference to other drawings.

Various types of data to provide open market settlement services, such as files, applications, and programs, may be installed and stored in the storage unit 130.

Additionally, the storage unit 130 may store authentication media and financial information from other financial institutions owned by the online seller.

The scraping unit 140 connects to the financial institution server or the open market server and receives financial transaction information of other financial institutions with which the online seller transacts or details of sales products sold in the open market. At this time, if necessary, the scraping unit 140 may use the authentication medium of another financial institution stored in the storage unit 130. Financial transaction information includes deposit and withdrawal details of accounts that online sellers transact with in the open market.

In FIG. 3, the scraping unit 140 is shown as being separate from the control unit 120, but for convenience of explanation, in reality, among the operations performed by the control unit 120, operations related to scraping are performed as a separate component, scraping. It is expressed as being carried out by unit 140. Accordingly, the operations performed by the scraping unit 140 may be viewed as actually performed by the control unit 120.

Below, we will explain specific methods for providing open market settlement services.

Hereinafter, a method of providing an open market settlement service in the open market settlement service providing device 100 as described above will be described. Figure 3 is a flowchart for explaining a method of providing an open market settlement service according to an embodiment.

Referring to FIG. 3, in step 301, the control unit 120 causes the first scraping unit 140 to scrape the first scraping unit 140 containing the account information in which deposit/withdrawal details have occurred through the authentication medium of another financial institution stored in the storage unit 130. By accessing the server, the deposit/withdrawal details of the account can be scraped and stored or updated in the storage unit 130. In step 302, the control unit 120 causes the second scraping unit 140 to connect to a second server containing sales history information for sold products through the authentication medium of another financial institution stored in the storage unit 130. The sales details of sold products can be scraped and stored or updated in the storage unit 130. In step 303, the control unit 120 may analyze the settlement pattern of the open market based on account deposit/withdrawal details and sales product sales details. In step 304, the control unit 120 predicts the settlement amount and timing for the sold product based on the analyzed settlement pattern. There can be various methods of analyzing the settlement pattern of the open market based on the account deposit/withdrawal history and the sales history of the sold product, and predicting the settlement amount and timing for the sold product based on the analyzed settlement pattern. These are detailed below. This will be described in detail with reference to FIG. 4 . The control unit 120 may transmit the predicted settlement amount and timing to the terminal 400.

Through this, it is possible to predict the exact settlement amount and timing in the online seller's open market, which can be expected to increase the stability of the online seller's fund management.

Hereinafter, with reference to FIG. 4, the settlement pattern of the open market is analyzed based on the account deposit/withdrawal history and the sales history of the sold product, and a specific implementation of predicting the settlement amount and timing for the sold product based on the analyzed settlement pattern. An example will be explained. However, this is only an example to aid understanding, and methods for predicting the settlement amount and settlement time can be implemented in various ways other than the presented embodiment.

The settlement pattern can be defined as information that includes the sales commission paid by the online seller when using the open market and the settlement schedule by which the open market operator deposits the online seller's share to the online seller. The sales commission and settlement time are different for each open market, and in some cases, they are different for each item, so there are various settlement patterns. Therefore, the control unit 120 determines the settlement pattern of the corresponding open market based on the account deposit/withdrawal history and sales history. It can be analyzed. Based on the analyzed settlement pattern, the control unit 120 can predict the settlement amount and settlement time for sales details that have not yet been settled in the open market.

Referring to FIG. 4, it can be seen that the deposit/withdrawal details and sales details of the account scraped by the scraping unit 140 are displayed.

According to one embodiment, the control unit 120 may confirm that the depositor and the open market name are A, and analyze the settlement pattern for open market A based on the account deposit/withdrawal history and sales history. Looking at the sales history and account deposit/withdrawal history for open market A, the total sales amount in September 20 was 900,000 won, and 810,000 won was deposited into the online seller's account on September 30, 20, so the control unit 120 is open. It can be analyzed that the settlement pattern for Market A is a 10% commission and end-of-month settlement. Based on this, the control unit 120 can predict the settlement amount (135,000 won) and settlement time (November 30, 20) for 10 jeans sold at A on November 1, 2020.

According to another embodiment, the control unit 120 may confirm that the depositor and the open market name are B, and analyze the settlement pattern for open market B based on the account deposit/withdrawal history and sales history. Looking at the sales history for open market B and the account deposit and withdrawal history, the sales history (total sales amount 150,000 won) was settled on October 1, 2020 and deposited (142,500 won) on October 8, 2020. The sales history on the 2nd (total sales amount KRW 300,000) was settled and deposited (KRW 285,000) on October 9, 20, and the sales history on October 3, 20 (total sales amount KRW 450,000) was settled and deposited on October 10, 2020. Based on the deposit (427,500 won), the control unit 120 can analyze that the settlement pattern for open market B is a 5% commission and settlement 7 days after the sale date. Based on this, the control unit 120 can predict the settlement amount (KRW 142,500) and settlement time (November 8, 20) for 10 jeans sold at B on November 1, 2020.

According to another embodiment, the control unit 120 may confirm that the depositor and the open market name are C, and analyze the settlement pattern for the open market C based on the account deposit/withdrawal history and sales history. Looking at the sales history and account deposit/withdrawal history for open market C, the sales history on Monday, October 5, 2020 (total sales amount 150,000 won) and the sales history on Tuesday, October 6, 2020 (total sales amount 300,000 won) This was settled and deposited (KRW 382,500) on Friday, October 9, 2020, and the sales history (total sales amount of KRW 450,000) was settled on Friday, October 16, 2020. Based on the deposit (382,500 won), the control unit 120 can analyze that the settlement pattern for open market C is a 15% commission and settlement every Friday. Based on this, the control unit 120 can predict the settlement amount (127,500 won) and settlement time (Friday, November 6, 20) for 10 jeans sold at C on November 1, 2020.

Through this, it is possible to predict the exact settlement amount and timing in the online seller's open market, which can be expected to increase the stability of the online seller's fund management.

Additionally, the control unit 120 may analyze the settlement pattern of the open market based on the deposit/withdrawal details and sales details of products sold by a plurality of sellers for the same open market. The control unit 120 may store or update the analyzed open market settlement pattern in the storage unit 130. The control unit 120 uses the settlement pattern of the open market analyzed based on the deposit/withdrawal details and sales details of products sold by a plurality of sellers for the same open market, and calculates the settlement amount for products sold in the open market used by the online seller. The settlement time can be predicted. Through this, even online sellers without sales records can receive the settlement amount and timing of sales products predicted through the analyzed settlement pattern of the open market.

The control unit 120 can analyze settlement patterns for a plurality of open markets and predict the settlement amount and settlement time for sold products for each of the plurality of open markets based on the analyzed settlement pattern. Through this, online sellers can compare settlement patterns for multiple open markets and select an open market that matches their desired settlement pattern before selling their products.

In addition, the control unit 120 can analyze the settlement pattern for each item sold in the open market, and predict the settlement amount and settlement time for the sold product for each item sold in the open market based on the analyzed settlement pattern. Through this, online sellers can determine which items in the open market are settled quickly.

The control unit 120 may determine the loan conditions based on the settlement amount and timing for the sold product, or transmit the settlement amount and timing for the sold product to the financial institution server so that the financial institution can determine the loan terms, and the determined loan conditions. can be transmitted to the terminal 400. Loan conditions may include loan interest rate, loan limit, repayment period, additional collateral conditions, etc.

The term '~unit' used in the above embodiments refers to software or hardware components such as FPGA (field programmable gate array) or ASIC, and the '~unit' performs certain roles. However, '~part' is not limited to software or hardware. The '~ part' may be configured to reside in an addressable storage medium and may be configured to reproduce on one or more processors. Therefore, as an example, '~ part' refers to components such as software components, object-oriented software components, class components, and task components, processes, functions, properties, and procedures. , subroutines, segments of program code, drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays, and variables.

The functions provided within the components and 'parts' may be combined into a smaller number of components and 'parts' or may be separated from additional components and 'parts'.

In addition, the components and 'parts' may be implemented to regenerate one or more CPUs within the device or secure multimedia card.

The method of providing an open market settlement service according to the embodiment described in FIGS. 3 and 4 may also be implemented in the form of a computer-readable medium that stores instructions and data executable by a computer. At this time, instructions and data can be stored in the form of program code, and when executed by a processor, they can generate a certain program module and perform a certain operation. Additionally, computer-readable media can be any available media that can be accessed by a computer and includes both volatile and non-volatile media, removable and non-removable media. Additionally, computer-readable media may be computer recording media, which are volatile and non-volatile implemented in any method or technology for storage of information such as computer-readable instructions, data structures, program modules, or other data. It can include both volatile, removable and non-removable media. For example, computer recording media may be magnetic storage media such as HDDs and SSDs, optical recording media such as CDs, DVDs, and Blu-ray discs, or memory included in servers accessible through a network.

Additionally, the method of providing an open market settlement service according to the embodiment described in FIGS. 3 and 4 may be implemented as a computer program (or computer program product) including instructions executable by a computer. A computer program includes programmable machine instructions processed by a processor and may be implemented in a high-level programming language, object-oriented programming language, assembly language, or machine language. . Additionally, the computer program may be recorded on a tangible computer-readable recording medium (eg, memory, hard disk, magnetic/optical medium, or solid-state drive (SSD)).

Therefore, the method of providing an open market settlement service according to the embodiment described in FIGS. 3 and 4 can be implemented by executing the computer program as described above by a computing device. The computing device may include at least some of a processor, memory, a storage device, a high-speed interface connected to the memory and a high-speed expansion port, and a low-speed interface connected to a low-speed bus and a storage device. Each of these components is connected to one another using various buses and may be mounted on a common motherboard or in some other suitable manner.

Here, the processor can process instructions within the computing device, such as displaying graphical information to provide a graphic user interface (GUI) on an external input or output device, such as a display connected to a high-speed interface. These may include instructions stored in memory or a storage device. In other embodiments, multiple processors and/or multiple buses may be utilized along with multiple memories and memory types as appropriate. Additionally, the processor may be implemented as a chipset consisting of chips including multiple independent analog and/or digital processors.

Memory also stores information within a computing device. In one example, memory may be comprised of volatile memory units or sets thereof. As another example, memory may consist of non-volatile memory units or sets thereof. The memory may also be another type of computer-readable medium, such as a magnetic or optical disk.

And the storage device can provide a large amount of storage space to the computing device. A storage device may be a computer-readable medium or a configuration that includes such media, and may include, for example, devices or other components within a storage area network (SAN), such as a floppy disk device, a hard disk device, an optical disk device, Or it may be a tape device, flash memory, or other similar semiconductor memory device or device array.

The above-described embodiments are for illustrative purposes, and those skilled in the art will recognize that the above-described embodiments can be easily modified into other specific forms without changing the technical idea or essential features of the above-described embodiments. You will understand. Therefore, the above-described embodiments should be understood in all respects as illustrative and not restrictive. For example, each component described as unitary may be implemented in a distributed manner, and similarly, components described as distributed may also be implemented in a combined form.

The scope sought to be protected through this specification is indicated by the patent claims described later rather than the detailed description above, and should be interpreted to include the meaning and scope of the claims and all changes or modified forms derived from the equivalent concept. .

10: Open market settlement service provision system
100: Open market settlement service provision server 110: Department of Communications
120: control unit 130: storage unit
140: scraping unit 200: first server
300: Second server 400: Terminal

Claims (8)

In a device that provides an open market settlement service,
a storage unit that stores data for providing the open market settlement service;
A first scraping unit that connects to a first server containing account information where deposit/withdrawal details for each seller are generated, scrapes the deposit/withdrawal details of the account, and stores or updates them in the storage unit;
a second scraping unit that connects to a second server containing sales history information for the products sold by each seller, scrapes the sales history of the sold products, and stores or updates them in the storage unit; and
Based on the collected deposit/withdrawal details and sales details of sold products, the settlement pattern for the correspondence between the point of sale and settlement of the sold products for each open market and the correspondence between the sales amount of the sold products and the settlement amount. and a control unit that analyzes and predicts the settlement amount and settlement time for the products sold by each seller based on the analyzed settlement pattern,
The control unit,
Based on the deposit/withdrawal history and sales history of products sold by multiple sellers, the settlement patterns of multiple open markets are analyzed, and based on the analyzed settlement patterns, settlements are made for each open market for unsettled sold products of any seller. Predict the amount and settlement time, and provide information on the predicted open market settlement amount and settlement time for the unsettled sold products of the random seller to the random seller,
The settlement pattern is characterized in that it is information that includes a sales fee paid by the online seller when using the open market and a settlement schedule in which the open market operator deposits the online seller's share to the online seller. According to paragraph 1,
The control unit,
A device that analyzes the settlement pattern for each item sold in the open market and predicts the settlement amount and settlement time for the product sold based on the analyzed settlement pattern for each item sold in the open market. According to paragraph 1,
The control unit
Determine loan conditions based on the settlement amount and timing for the sold product, or transmit the settlement amount and timing for the sold product to the financial institution server so that the financial institution can determine the loan terms,
A device that transmits the determined loan conditions to the terminal. In a method performed by an open market settlement service providing device and providing an open market settlement service,
For each seller, connecting to a first server containing account information where deposit/withdrawal details occurred and scraping the deposit/withdrawal details of the account;
accessing a second server containing sales history information for the products sold by each seller and scraping the sales history of the products sold;
Based on the collected deposit/withdrawal details and sales details of sold products, the settlement pattern for the correspondence between the point of sale and settlement of the sold products for each open market and the correspondence between the sales amount of the sold products and the settlement amount. analyzing; and
Comprising a step of predicting the settlement amount and settlement time for each seller's sold products based on the analyzed settlement pattern,
The step of analyzing the settlement pattern is,
Based on the deposit/withdrawal history and sales history of sold products of multiple sellers, the settlement patterns of multiple open markets are analyzed, and based on the analyzed settlement patterns, settlements are made for each open market for unsettled sold products of any seller. A step of predicting the amount and settlement time, and providing information on the predicted open market settlement amount and settlement time for the unsettled sales product of the random seller to the random seller,
The settlement pattern is characterized in that it is information that includes a sales fee paid by the online seller when using the open market and a settlement schedule in which the open market operator deposits the online seller's share to the online seller. According to clause 4,
The step of predicting the settlement amount and settlement time is:
A method of analyzing settlement patterns for a plurality of open markets and predicting the settlement amount and settlement time for sold products for each of the plurality of open markets based on the distributed settlement patterns. According to clause 4,
The step of predicting the settlement amount and settlement time is:
A method of analyzing the settlement pattern for each item sold in the open market, and predicting the settlement amount and settlement time for the product sold based on the analyzed settlement pattern for each item sold in the open market. According to clause 4,
The method of providing the open market settlement service is:
Determining loan conditions based on the settlement amount and timing for the sold product or transmitting the settlement amount and timing for the sold product to a financial institution server so that the financial institution can determine loan conditions; and
Method further comprising transmitting the determined loan conditions to the terminal. A computer-readable recording medium on which a program for executing the method according to claim 4 is recorded on a computer.