WO2018043846A1

WO2018043846A1 - System for providing loan service on basis of sales and advertisement data

Info

Publication number: WO2018043846A1
Application number: PCT/KR2017/000850
Authority: WO
Inventors: 김성욱
Original assignee: 팝펀딩 주식회사
Priority date: 2016-08-30
Filing date: 2017-01-25
Publication date: 2018-03-08
Also published as: GB2568402A; KR101688619B1; GB201820810D0; JP2018534640A; JP6512464B2

Abstract

The present invention relates to a system for providing a loan service on the basis of sales and advertisement data, the system: performing loan appraisal, loan execution, and loan redemption through a loan system on the basis of advertisement data obtained from a sales/advertisement management system and sales data obtained from a shopping mall system; allowing the loan to be used only for predictable advertising expense execution of a sales conversion rate with respect to an advertising expense execution, thereby allowing future sales to be more accurately predicted and further adjusted, and the load to be available for an expenditure of an additional advertising expense; When advertising a loan product based on sales data, displaying an advertisement on a manager information terminal, without transmitting sensitive sales data of a business operator, thereby allowing a loan advertisement to proceed without a user's prior consent in a sales/advertisement data management server or in a client, and a plurality of customers to be quickly ensured through an alliance with the sales/advertisement data management server.

Description

Loan service provision system based on sales and advertisement data

The present invention can perform loan examination, loan execution and loan repayment through the loan system based on the advertisement data obtained from the sales / ad management system and the sales data from the shopping mall system. ROAS) can be used only for predictable ad spending, so that future sales can be more accurately predicted and further adjusted, as well as loans for additional advertising spend, and for loan products based on sales data. By displaying the advertisement as an administrator information terminal without transmitting the sensitive sales data of the operator during the advertisement, the sales / advertisement data management server or the client can proceed with the loan advertisement without the user's consent in advance, and the sales / advertisement data management server Through partnership with It is possible to quickly obtain a large number of customers and calculate the loan availability, interest rate and limit in the sales / ad management system without displaying the sales / advertisement data of the operator to the loan system and display them on the manager (provisional loan) information terminal. When the sales / advertisement data is delivered to the loan system, the user can directly select, extract data using scraping, or extract data through affiliates, thereby providing convenience for loan applicants and ad loans. It is a technology for loan service providing system based on sales data and advertisement data, which can be conveniently selected from payment to the lender in the product, confirmation to the advertisement company, direct remittance, and partial payment when the advertising cost is exhausted.

As disclosed in Korean Unexamined Patent Publication (Publication No. 2009-0115088; Nov. 4, 2009), due to the development of the financial industry, many modern people use various financial transaction services, and thus use convenient financial services. It is a situation.

In such a situation, most financial institutions that provide financial transaction services provide mobile financial services using mobile phones.

However, the mobile service using a mobile phone is focused on providing transfer service and inquiry service, rather than providing a method of finding cash when actual cash is needed, so it is not suitable for people who really need cash in a hurry. There is an uncomfortable difficulty.

On the other hand, in general, in order to receive a loan based on sales / advertisement data, the data must be transmitted to the lending system. However, it is quite sensitive for the operator to disclose the data to the outside, and even without knowing whether the loan is possible. Opening up is more burdensome.

However, based on the advertisement data obtained from the sales / ad management system and the sales data from the shopping mall system, there is no system that can perform loan examination, loan execution and loan repayment through the loan system.

In addition, when advertising the loan product based on the sales data, the advertisement is displayed as an administrator information terminal without transmitting sensitive sales data of the operator, and thus the loan / advertisement advertisement is managed without the user's consent in the sales / ad data management server or the client. In addition, there is no system that can secure a large number of customers quickly through partnership with sales / advertising data management server.

Therefore, based on the advertisement data obtained from the sales / ad management system and the sales data from the shopping mall system, it is possible to perform loan screening, loan execution and loan repayment through the loan system, and increase the sales of the loan using the advertising expenses (ROAS). It can only be used to predict the cost of advertising, so that future sales can be more accurately predicted and further adjusted, and loans can be made for additional advertising expenses. Because the advertisement is displayed as an administrator information terminal without transmitting sensitive sales data of the user, the advertisement of the sales / ad data management server or the client can proceed with the loan without the user's consent in advance, and through the alliance with the sales / ad data management server. Many Can be secured quickly, and sales can be displayed on the manager's (provisional lender's) information terminal by calculating the loan availability, interest rate and limit in the sales / ad management system without transferring the sales / advertisement data of the operator to the loan system. Therefore, the development of a loan service providing system based on advertisement data is urgently required.

Therefore, the present invention was conceived to solve the above problems, and performs loan examination, loan execution and loan repayment through the loan system based on the advertisement data obtained from the sales / ad management system and the sales data from the shopping mall system. The purpose is to provide a loan service providing system based on sales and advertisement data.

Another object of the present invention is to use the loan source only for the predictable execution of the advertising conversion ratio (ROAS) compared to the execution of the advertising costs, so that the future sales can be more accurately predicted and further adjusted, as well as for the additional advertising expenses. It is to provide a loan service providing system based on loanable sales and advertisement data.

Another object of the present invention is to display the advertisement to the administrator information terminal without transmitting sensitive sales data of the operator when advertising the loan product based on the sales data, sales / advertising data management server or client in advance of the user In addition to being able to proceed with loan advertising without consent, through a partnership with sales / advertising data management server to provide a loan service providing system based on sales, advertising data that can quickly secure a large number of customers.

Another object of the present invention is to calculate the loan availability and interest rate and limit in the sales / advertising management system even if the sales / advertisement data of the operator to the lending system sales, which can be displayed on the manager (provisional loan) information terminal, The present invention provides a loan service providing system based on advertisement data.

Another object of the present invention is to provide the convenience of the loan applicant because the user can selectively perform the data transfer method through direct transfer, data extraction using scraping, and affiliate extraction when delivering sales / advertisement data to the loan system. In addition, the present invention provides a loan service providing system based on advertisement data.

It is another object of the present invention to provide a loan service providing system based on sales data and advertisement data, which can be conveniently selected from among payment methods to pay the lenders in advertisement advertising loan products, and directly to the advertising company, direct payment, and partially paid when the advertising costs are exhausted. It is.

Loan service providing system based on the sales, advertising data according to a preferred embodiment of the present invention for achieving the above object is the sales / advertisement management system in the past when the loan application comes from the lender's terminal in the history of advertising costs, advertising The function of requesting and receiving the revenue generation and the conversion rate (ROAS) according to the request, the function of requesting and receiving the sales history of the past period with the shopping mall system and the use rate of a specific PG company among the corresponding sales, and the payment system of the past of the lender shopping mall If you use the function of requesting and receiving payment information and the PG company contracted with the lending company in the shopping mall as the payment system, the lender uses the shopping mall system or the terminal for the receivables generated during the loan period through the payment system. Transfer to or receive sales from a payment system The function of checking the contract details of the transfer of the contract to the lender or the account designated by the lender, the repayment date for early repayment or normal repayment based on the sales and loan repayment schedule generated in the shopping mall system, and the need for additional deposit or Determining the method of repayment repayment from 3 creditors, requesting the transfer to the payment system for the specific receivables of the shopping mall if it is necessary to recover from the PG company (third creditor), and lending system when the loan payment is completed A loan system having a function of transmitting a loan repayment to a connected sales / ad management system, a payment system, and a shopping mall system; Receipt of the past advertising expenses, the generation and sales conversion rate (ROAS) according to the request from the loan system, and the function to receive and send the loan / repayment is completed, the loan / system has a function to receive the loan repayment completed Management system; A function of requesting and transmitting the past sales history and the use rate of a specific PG company from the loan system from the loan system, and the lender (shopping mall owner) can use the shopping mall system or the terminal to settle the payment system from the payment system. Approve to check the payment history of the shopping mall, the function of transmitting the sales history from the shopping mall system to the lending system when sales occur in the shopping mall, and the PG company (third creditor) contracted with the lender company among the sales history. The sales generated through the shopping mall system has a function of additionally transmitting the corresponding payment details from the shopping mall system to the loan system, and receiving the completion of the loan repayment from the loan system when the loan payment is completed; A function of requesting and transmitting the past payment information of the lender shopping malls from the lending system, and using the PG company contracted with the lending company in the shopping mall as a payment system, the loans generated by the lender using the shopping mall system or the terminal. Signing a contract to transfer the account to the lender or transfer the account receiving the revenue from the settlement system to the account designated by the lender or the lender. A payment system having a function of confirming a bond and a function of receiving a completion of loan repayment from a loan system when the loan payment is completed; Characterized in that it comprises a.

In the present invention, the loan system analyzes the past advertising cost execution history, sales conversion rate (ROAS), sales of each period of the shopping mall to predict the future sales according to the execution of the advertising costs, and the payment details collected from the payment system And calculating a loan limit, an interest rate, and a repayment schedule based on the revenue and advertisement data and the industry's sales data. .

In the present invention, in the loan system and the sales / advertisement management system, when the loan is made only by the advertising cost, when the loan is approved, the loan is transferred from the loan company server to the advertisement company server, and the sales / advertisement management in the loan system The system sends the result of the remittance to the system, and when the loan is approved, the advertisement company server receives the remittance from the loan company server, and the sales / ad management system receives the remittance result from the loan system, or the loan company server. The advertisement fee is paid by the payment system linked to the advertisement company server or the advertisement company server, and the advertisement company server further includes a function of transmitting the payment result to the loan company server by the advertisement cost executed by the loan company server.

In the present invention, the payment of the loan between the lending company server and the advertising company server can be performed by selecting from the method of payment to the lender in the advertising costs loan products and payment to the advertising company, direct transfer, partially paid when the advertising costs are exhausted. It is characterized by including.

In the present invention, the loan includes that it is impossible to send the refund to the lender (shopping mall) terminal from the advertising company server until the loan system informs the sales / advertising management system that the repayment for the loan is completed. It features.

In the present invention, the data to be used in the loan screening is characterized in that the advertising expenditure breakdown, sales increase according to the advertising expenditure, the measured sales conversion rate (ROAS), the amount of change in sales per period.

In the present invention, when the loan product data containing the criterion of the loan product in the loan system is transmitted to the loan advertisement agent in the sales / advertisement management system through the loan advertisement server, the loan advertisement agent is the sales / advertisement data Calculating the loan availability, interest rate, limit by calculating based on the screening criteria of the loan product, and if it is determined that the loan advertisement is possible, characterized in that it includes displaying the loan information on the manager information terminal.

In the present invention, when the sales / advertisement data management server of the sales / advertising management system or the client transfers the sales / advertising data to the loan company server of the loan system, the user directly transfers, data extraction using scraping, through Characterized in that it can be selected and performed from the data extraction method.

As described above, the present inventors have a loan service providing system based on sales data and advertisement data.

First, the present invention can perform loan examination, loan execution and loan repayment through the loan system based on the advertisement data obtained from the sales / ad management system and the sales data from the shopping mall system.

Secondly, the present invention allows the use of loans only to predict the execution of the advertising cost of the ROAS compared to the execution of the advertising costs, so that the future sales can be more accurately predicted and further adjusted, as well as loans for additional advertising expenses. This is possible.

Third, the present invention displays the advertisement to the administrator information terminal without transmitting the sensitive sales data of the operator when advertising the loan product based on the sales data, the user's consent in advance in the sales / advertising data management server or client In addition to being able to proceed with the loan advertisement without a partnership with the sales / advertising data management server can secure a large number of customers.

Fourth, the present invention can be displayed on the manager (provisional loan) information terminal by calculating the loan availability, interest rate and limit in the sales / advertisement management system without transmitting the sales / advertisement data of the operator to the loan system.

Fifth, the present invention can provide the convenience of the loan applicant because the user can selectively perform the data transfer method through direct transmission, data extraction using scraping, and affiliate data extraction when delivering sales / advertisement data to the loan system.

Sixth, the present invention can be conveniently selected from the method of payment to the lender in the advertising cost loan products and the payment to the advertising company, direct transfer, partially paid when the advertising costs are exhausted.

1 is a view illustrating a configuration of a loan service providing system based on sales and advertisement data according to an embodiment of the present invention.

2 is a process for displaying loan information in a manager information terminal when it is determined that loan advertisement is possible after calculating loan product data in a loan service providing system based on sales and advertisement data according to an embodiment of the present invention. Figures shown to illustrate.

3A to 3C are data provided by a user directly transmitting and scraping a method of delivering sales / advertisement data to a loan system in a loan service providing system based on sales and advertisement data according to an embodiment of the present invention. A diagram illustrating a process performed by a method of extracting and extracting data through affiliation.

4a to 4c is a loan service providing system based on sales and advertisement data according to an embodiment of the present invention, the payment of the loan from the advertising cost loan products to the lender and confirms to the advertiser, respectively, direct transfer, advertising costs Drawings to illustrate the process of partially paying when exhausted.

Looking at the preferred embodiment of the present invention together with the accompanying drawings as follows, when it is determined that the detailed description of the known art or configuration related to the present invention may unnecessarily obscure the subject matter of the present invention The description will be omitted, and the terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users and operators, and the definitions are loans based on the inventors' sales and advertisement data. It should be made based on the contents throughout the present specification describing the service providing system.

Hereinafter, with reference to the accompanying drawings will be described in detail a loan service providing system based on sales, advertising data according to an embodiment of the present invention.

1 is a view illustrating a configuration of a loan service providing system based on sales and advertisement data according to an embodiment of the present invention, and FIG. 2 is based on sales and advertisement data according to an embodiment of the present invention. In the loan service providing system according to the present invention, the loan information is calculated after calculating the loan product data and the loan information is displayed to explain the process of displaying the information on the manager information terminal, Figure 3a to 3c is a view of the present invention In a loan service providing system based on sales and advertisement data according to an embodiment, a method of directly transferring sales / advertisement data to a loan system by a user, extracting data using scraping, and extracting data through affiliation 4A to 4C illustrate an embodiment of the present invention. In the loan service providing system based on different sales and advertisement data, the process of paying the loan amount to the lender and confirming it to the lender, directly remitting it, and partially paying when the advertising cost is exhausted will be explained. It is a figure shown to make.

Loan service providing system based on the inventors sales, advertising data is a sales / advertising management system (or advertising company server) 100, loan system (or loan company server) 200, payment system 300, shopping mall system 400, a manager information terminal 500, a loan advertisement agent 110, a loan advertisement server 210, and the like.

Here, the sales / advertisement management system 100 refers to an advertising company server, an advertising agency server, an advertising system operator server, sales / advertising data management server or a client program, the loan system 200 is a loan company server The payment system 300 includes a PG company and a third debtor terminal, and the shopping mall system 400 includes a lender (borrower) terminal and a target of a loan review among shopping malls operated by the borrower. This refers to a shopping mall, a shopping mall web server, or a shopping mall management program.

As shown in Figures 1 to 4c, the present inventors, the loan service providing system based on the advertisement data is a sales / advertisement management system when the loan application is entered from the lender's terminal, the past advertising expense history, sales according to the advertisement The function of requesting and receiving the occurrence and sales conversion rate (ROAS), the function of requesting and receiving the sales history of the past period with the shopping mall system and the use rate of a specific PG company among the corresponding sales, and the payment information of the lenders' shopping malls with the payment system. If the PG company contracted with the lending company in the shopping mall is used as a payment system, the lender transfers the receivables generated during the loan period to the lender using the shopping mall system or the terminal through the payment system. Loan companies or accounts that receive revenue from payment systems Ability to check the conclusion of the contract to transfer to the account designated by the lender, the repayment date of early repayment or normal repayment based on the sales and loan repayment schedule generated in the shopping mall system, and the need for additional deposit or recovery from the third creditor Determining how to repay a loan, the function of requesting the payment system to transfer certain receivables from the shopping mall if it is necessary to recover from the PG company (third creditor), and the loan system is connected when the loan payment is completed. A loan system 200 having a function of transmitting that a loan repayment is completed to a sales / ad management system, a payment system, and a shopping mall system; Receipt of the past advertising expenses, the generation and sales conversion rate (ROAS) according to the request from the loan system, and the function to receive and send the loan / repayment is completed, the loan / system has a function to receive the loan repayment completed Management system 100; A function of requesting and transmitting a past period of sales from the loan system and the use rate of a specific PG company among the corresponding sales, and the lender (shopping mall owner) uses a shopping mall system or an information terminal to settle the settlement system from the settlement system from the settlement system. Approve to check the payment history of the shopping mall, the function of transmitting the sales history from the shopping mall system to the lending system when sales occur in the shopping mall, and the PG company (third creditor) contracted with the lender company among the sales history The sales generated through the shopping mall system 400 having a function of additionally transmitting the corresponding payment details from the shopping mall system to the loan system, and receiving the completion of the loan repayment from the loan system when the loan payment is completed; A function of requesting and transmitting the past payment information of the lender shopping malls from the lending system, and using the PG company contracted with the lending company in the shopping mall as a payment system, the loans generated by the lender using the shopping mall system or the terminal. Signing a contract to transfer the account to the lender or transfer the account receiving the revenue from the settlement system to the account designated by the lender or the lender. A payment system 300 having a function of confirming a bond and a function of receiving a completion of the loan repayment from the loan system when the loan payment is completed; It is provided.

The function of each technical means constituting the loan service providing system based on the inventors' sales and advertisement data will be described below.

The loan system 200 receives a loan application from the lender terminal 400 to the sales / advertising management system 100 to return the advertising execution history, revenue generation and sales conversion rate (ROAS: Return on Advertising Spend) according to the advertisement. Requesting and receiving functions, the function of requesting and receiving the sales history of the past periods and the use rate of a specific PG company among the corresponding periods by the shopping mall system 400, and requesting the past payment information of the lender shopping malls by the payment system 300 If the PG company contracted with the lending company in the shopping mall is used as the payment system 300, the lender is responsible for the receivables to be generated during the loan period through the payment system 300, the shopping mall system 400 or the terminal. Transfer to the loan company using or transfer the account to receive the payment from the payment system 300 to the account designated by the loan company or loan company C) the function of confirming the conclusion of the contract, repayment date and time for early repayment or normal repayment based on the sales and loan repayment schedule generated in the shopping mall system 400, and the need for additional deposit or repayment retrieval from a third creditor; Determining function, and if it is necessary to recover from the PG company (third creditor), the payment system 300 to request the transfer of the specific receivables of the shopping mall, and when the loan payment is completed, the loan system is connected to the sales / It has a function of transmitting that the loan repayment is completed to the advertisement management system 100, the payment system 300, the shopping mall system 400. Here, in the case where the loan is made only by the advertising cost, when the loan is approved, the loan company server 200 transfers the loan to the advertisement company server 100, and the result of the transfer from the loan system 200 to the sales / ad management system 100. It is to have the function to send. Alternatively, the lending company server 200 pays the advertising fee to the payment system 300 linked to the advertising company server 100 or the advertising company server 100, the advertising company server 100 in the lending company server 200 The executed advertising cost has a function of transmitting the settlement result to the loan company server.

In addition, the loan system 200 analyzes the past advertising cost execution history, sales conversion rate (ROAS), sales of each period of the shopping mall to predict future sales according to the execution of advertising costs, and payment collected from the payment system 300 It has the function of predicting the recoverability of the loan from the third creditor based on the details, and the function of calculating the loan limit, the interest rate, and the repayment schedule based on the sales and advertisement data and the industry's sales data.

In addition, as shown in FIG. 2, the loan advertisement data in the sales / ad management system 100 through the loan advertisement server 210 receives the loan product data including the criterion of the loan product in the loan system 200 ( 110, the loan advertisement agent 110 calculates whether the loan / loan rate, interest rate, limit by calculating the sales / advertisement data based on the screening criteria of the loan product, and loan information is determined It is to be displayed on the manager information terminal 500.

The sales / advertisement management system 100 is a function of requesting and transmitting past advertising expenses execution history, revenue generation and sales conversion rate (ROAS) according to the advertisement from the loan system 200, and loan repayment is completed loan system ( 200) has a function of receiving that the loan repayment is completed. Here, in the case where the loan is made only by the advertising cost, when the loan is approved, the advertisement company server 100 receives the remittance from the loan company server 200, and the sales / advertisement management system 100 receives the remittance result from the loan system 200. Will have the function of receiving. Alternatively, the lending company server 200 pays the advertising fee to the payment system 300 linked to the advertising company server 100 or the advertising company server 100, the advertising company server 100 in the lending company server 200 The executed advertising cost has a function of transmitting the settlement result to the loan company server.

In addition, as shown in Figures 3a to 3c, a method of transferring the sales / advertising data from the sales / advertising data management server or client 100 of the sales / advertising management system to the lending company server 200 of the loan system It is shown.

In the case of FIG. 3A, a user (loan applicant) directly transmits the data, which may be complicated and impossible depending on the loan applicant, and may have a problem in the reliability of the submitted data, but does not require any cooperation and has low development complexity. .

In the case of FIG. 3B, when the user (the loan applicant) delegates the inquiry authority to the loan company server 200, the loan company server 200 extracts the data by using the scraping. Destruction procedures are required, but no partnership is required, data can be collected quickly and accurately, and the data is highly reliable.

In the case of Figure 3c is a method for extracting the data through the user (rental applicant) through the affiliated authority to delegate the search authority to the sales / advertising data management server or client 100, but the association is required, it is possible to collect data quickly and accurately, The reliability of the data is high.

The shopping mall system 400 is a function of requesting and transmitting a specific PG company use rate from the loan system 200 in the past sales history and corresponding sales, and the lender (shopping mall owner) is the shopping mall system 400 or the terminal Loan system 200 to the payment system 300 by using the function to approve the payment history query of the lender's shopping mall from the payment system 300, and if the sales occur in the shopping mall system 400 in the loan system (200) ) And the sales generated through the PG company (third creditor) that is contracted with the lender company of the sales history is further transmitted from the shopping mall system 400 to the loan system 200. And, when the repayment of the loan is completed is to have a function of receiving that the loan repayment is completed from the loan system (200). Here, the shopping mall of the lender includes a shopping mall to be examined for lending and another shopping mall under the name of the lender.

The payment system 300 has a function of receiving and transmitting past payment information of the lender shopping malls from the lending system 200, and using the PG company contracted with the lending company in the shopping mall as the payment system 300, the lender A contract that transfers the accounts receivable to occur during the loan period using the shopping mall system 400 or the terminal to the lender or transfers the account from which the revenue is received from the payment system 300 to an account designated by the lender or the lender. And, the loan system 200 to confirm the sales receivable transfer contract conclusions and the receivables to occur during the loan period, and when the loan repayment is completed, the function to receive the completion of the loan repayment from the loan system (200) To have.

In addition, the loan, as described above, the lender (shopping mall owner) in the advertising company server 100 until the loan system 200 tells the sales / advertisement management system 100 that the repayment for the loan is completed. Refund transfer to the terminal 400 is not possible.

In addition, as described above, the data to be used in the loan review is the advertising expenditure breakdown, sales growth according to the advertising expenditure, measured ROAS, the change in sales by period.

In addition, as shown in Figures 4a to 4b, it shows a method of paying the loan in the advertising cost loan product between the loan company server 200 and the advertising company server 100.

In the case of FIG. 4A, when the lender spends an advertising fee to the lender company server 200 to the lender, the lender company server 100 confirms the advertising expense to the lender company server 200. That is, it is a payment method to the lender and confirmation of the advertising company.

In the case of Figure 4b is to pay the advertising costs from the loan company server 200 to the advertising company server 100, a direct transfer method, this method is to prevent the accident due to the remorse of the lender.

In the case of FIG. 4C, when the lending company server 200 notifies the advertising company server 100 of the advertising cost limit, the advertising company server 100 requests and receives the advertising cost from the lending company server 200, when the advertising cost is exhausted. This is a partial payment, and this method gives interest because the loan is not executed at one time.

As described above, various substitutions, modifications, and changes can be made by those skilled in the art without departing from the technical spirit of the present invention, and thus, the embodiments and the accompanying drawings are limited. It doesn't happen.

As described above, the present invention, the lending service providing system based on the sales data, advertising data can be widely applied to the credit field associated with advertising companies, shopping malls, and financial institutions.

Claims

In the loan service providing system based on sales and advertisement data,

When a loan application is received from the lender's terminal, the sales / ad management system requests and receives past advertising expense execution history, revenue generation and conversion rate (ROAS) according to the ad, and the shopping mall system the past sales history and corresponding sales. Requesting and receiving the usage rate of a specific PG company among the services, requesting and receiving past payment information of the lender shopping malls as a payment system, and using a PG company contracted with a lender in the shopping mall, The contract is concluded that the lender transfers the loans to the lenders using the shopping mall system or the terminal or transfers the accounts from which the revenue is deposited from the settlement system to the account designated by the lenders or lenders. Checking the details and sales generated from the shopping mall system And the ability to determine the repayment date and time of early repayment or normal repayment based on the schedule of repayment of loans and loans, the need for additional deposits, or the method of repayment from the third creditor; The lending system has a function of requesting the transfer of a specific receivable of a shopping mall and a loan system having a function of transmitting the completion of the loan repayment to the connected sales / advertising management system, payment system, and the shopping mall system when the loan payment is completed. and;

Receipt of the past advertising expenses, the generation and sales conversion rate (ROAS) according to the request from the loan system, and the function to receive and send the loan / repayment is completed, the loan / system has a function to receive the loan repayment completed Management system;

A function of requesting and transmitting the past sales history and the use rate of a specific PG company from the loan system from the loan system, and the lender (shopping mall owner) can use the shopping mall system or the terminal to settle the payment system from the payment system. Approve to check the payment history of the shopping mall, the function of transmitting the sales history from the shopping mall system to the lending system when sales occur in the shopping mall, and the PG company (third creditor) contracted with the lender company among the sales history. The sales generated through the shopping mall system has a function of additionally transmitting the corresponding payment details from the shopping mall system to the loan system, and receiving the completion of the loan repayment from the loan system when the loan payment is completed;

A function of requesting and transmitting the past payment information of the lender shopping malls from the lending system, and using the PG company contracted with the lending company in the shopping mall as a payment system, the loans generated by the lender using the shopping mall system or the terminal. Signing a contract to transfer the account to the lender or transfer the account receiving the revenue from the settlement system to the account designated by the lender or the lender. A payment system having a function of confirming a bond and a function of receiving a completion of loan repayment from a loan system when the loan payment is completed; Loan service providing system based on the sales, advertising data, characterized in that it comprises a.
The method of claim 1,

The loan system is a third creditor based on the function of predicting the future sales according to the execution of the advertising costs by analyzing the historical advertising costs execution history, sales conversion rate (ROAS), sales by period of the shopping mall, and the payment details collected from the payment system And a function of predicting a loan recoverability from a loan, and calculating a loan limit, an interest rate, and a repayment schedule based on sales and advertisement data and similar industry sales data. Loan service providing system.
The method of claim 1,

In the loan system and the sales / advertisement management system, when the loan is made only by the advertising cost, when the loan is approved, the loan is transferred from the lender company server to the advertisement company server, and the result of the transfer is transferred from the loan system to the sales / advertising management system. After the loan function is approved, the advertisement company server receives the remittance from the loan company server, and the sales / ad management system receives the remittance result from the loan system, or the loan company server from the advertisement company server or the advertising company. Based on the sales and advertisement data, the advertisement fee is paid by the payment system linked with the server, and the advertisement company server further includes a function of transmitting the payment result to the loan company server. Loan service provider system.
The method of claim 1,

The payment of the loan between the lending company server and the advertising company server may be performed by selecting one of the methods of paying the lender from the advertising cost loan product and checking the advertising company directly, remitting the money, and partially paying when the advertising cost is exhausted. Loan service provision system based on sales and advertising data.
The method of claim 1,

The loan amount is characterized in that the sale, advertising, characterized in that it is impossible to send money back to the lender (shopping mall) terminal from the advertising company server until the loan system tells the sales / advertising management system that the repayment for the loan is completed Data-based loan service delivery system.
The method of claim 1,

A loan service providing system based on sales data and advertisement data, wherein the data to be used in the loan screening includes advertising expense history, sales growth according to advertising expenses, measured conversion rate of sales (ROAS), and sales change over time.
The method of claim 1,

When the loan system transmits the loan product data containing the criterion of the loan product to the loan advertisement agent in the sales / ad management system through the loan advertisement server, the loan advertisement agent transmits the sales / advertisement data to the review criteria of the loan product. Calculate the loan availability, interest rate, limit by calculating based on the basis, and provide loan services based on sales and advertising data, characterized in that the loan information to be displayed on the manager information terminal if it is determined that the loan advertising is possible system.
The method of claim 1,

When transferring the sales / advertisement data from the sales / advertisement data management server or client of the sales / advertisement management system to the lender company server of the loan system, the user directly selects the data extraction method through scraping or data extraction through affiliation. Lending service providing system based on the sales, advertising data, characterized in that it includes what can be done.