WO2022080700A1

WO2022080700A1 - Open market settlement service provision device and method

Info

Publication number: WO2022080700A1
Application number: PCT/KR2021/013145
Authority: WO
Inventors: 유용석
Original assignee: 한국정보공학 주식회사
Priority date: 2020-10-13
Filing date: 2021-09-27
Publication date: 2022-04-21
Also published as: KR20240032000A; KR20220048829A

Abstract

A device for providing an open market settlement service is disclosed. According to one embodiment disclosed in the present specification, the device comprises: a storage unit which stores data for providing an open market settlement service; a first scraping unit which accesses a first server including information about an account from and into which withdrawals and deposits have been made, so as to scrape the withdrawal and deposit details of the account and store or update with same in the storage unit; a second scraping unit which accesses a second server including sales details information about goods for sale, so as to scrape the sales details of the goods for sale and store or update with same in the storage unit; and a control unit which analyzes the settlement pattern for an open market on the basis of the withdrawal and deposit details of the account and the sales details of the goods for sale and predicts a settlement amount and a settlement time for goods for sale on the basis of the analyzed settlement pattern.

Description

Apparatus and method for providing open market settlement service

Embodiments disclosed herein relate to an apparatus and method for providing an open market settlement service, and more particularly, an apparatus for providing an open market settlement service that analyzes an open market settlement pattern to predict an accurate settlement amount and time; it's about how

In recent years, the total annual sales of online retailers (wholesale and retail stores) in the domestic e-commerce market are growing rapidly, reaching tens of trillions of dollars.

Among such e-commerce methods, the method that attracts consumers' attention is the method of transacting through the open market. In the open market, the open market provider who maintains the open market system joins the operators of multiple online stores (hereinafter referred to as “online sellers”) as members of the open market, It supports the sale of products that the seller sells, and receives a commission from a part of the price of the goods sold by the seller as revenue.

When an online seller sells an item using the open market, the online seller does not receive the payment immediately. there is In such a case, there is a need for an effective, fast and safe way for online sellers to raise funds to purchase additional goods.

In relation to this, in Korea Patent Publication No. 10-2009-0081742, which is a prior art document, when an online seller requests a financial service, inquiring about the sales history information of the online seller and calculating sales forecast information based on it are described. Accordingly, it discloses a transfer of accounts receivable on the open market to financial service providers while executing sales by determining the amount available for credit.

However, the composition of analyzing the settlement pattern of the open market to predict the exact settlement amount and time was not described. An object 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 time.

On the other hand, the above-mentioned background art is technical information that the inventor possessed for the purpose of derivation of the present invention or acquired during the derivation process of the present invention, and it cannot be said that it is necessarily known technology disclosed to the general public before the filing of the present invention. .

Embodiments disclosed in the present specification, it is an object to present an effective and safe open market settlement service providing apparatus for online sellers.

As a technical means for achieving the above-described technical problem, according to an embodiment, an apparatus for providing an open market settlement service includes a storage unit that stores data for providing the open market settlement service, and account information in which deposit and withdrawal details occur A first scraping unit that scrapes the deposit and withdrawal details of the corresponding account and stores or updates them in the storage by accessing the first server including A second scraping unit that scrapes the sales details and stores or updates them in the storage unit, analyzes the settlement pattern for the open market based on the deposit and withdrawal details of the account and the sales details of the sold products, and sells based on the analyzed settlement pattern It may include a control unit for predicting the settlement amount and settlement time for the product.

According to another embodiment, the method of providing an open market settlement service includes the steps of accessing the first server including the account information in which the deposit and withdrawal details occurred and scraping the deposit and withdrawal details of the corresponding account, and the sales history information on the products for sale. accessing a second server and scraping the sales details of the sold products; analyzing the settlement pattern for the open market based on the deposit and withdrawal details of the account and the sales details of the sold products; the analyzed settlement pattern It may include estimating a settlement amount and a settlement time for the sale product based on the .

According to another embodiment, as a computer-readable recording medium recorded with a program for executing a method for providing an open market settlement service in a computer, the method for providing an open market settlement service includes a first account information including deposit and withdrawal details accessing a server and scraping the deposit/withdrawal details of the corresponding account; accessing a second server that includes sales history information on sales products to scrape the sales details of the sold products; deposit/withdrawal details of the account and the sales products analyzing the settlement pattern for the open market based on the sales history of

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

In addition, through the open market settlement service providing device, financial services (such as microloans) are provided to online sellers based on the estimated settlement amount and time in the open market, thereby increasing the stability of online sellers’ money management. there is.

Effects obtainable in the disclosed embodiments are not limited to the above-mentioned effects, and other effects not mentioned are clear to those of ordinary skill in the art to which the embodiments disclosed from the description below belong. can be understood clearly.

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

2 is a block diagram for explaining a configuration included in the open market settlement service providing server according to an embodiment.

3 to 4 are diagrams for explaining a method of providing an open market settlement service according to an embodiment.

Hereinafter, various embodiments will be described in detail with reference to the accompanying drawings. The embodiments described below may be modified and implemented in various different forms. In order to more clearly describe the characteristics of the embodiments, detailed descriptions of matters widely known to those of ordinary skill in the art to which the following embodiments belong are omitted. In addition, in the drawings, parts irrelevant to the description of the embodiments are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a component is said to be “connected” with another component, it includes not only a case of 'directly connected' but also a case of 'connected with another component interposed therebetween'. In addition, when a component "includes" a component, it means that other components may be further included, rather than excluding other components, unless otherwise stated.

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

However, before explaining this, the meaning of the terms used below is first defined.

Scraping refers to a technology that automatically accesses the system and extracts necessary data. You can retrieve information from a website or program and store it in another program or database to inquire or use it whenever necessary, and the stored data can also be used as a comparative analysis data.

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

Referring to FIG. 1 , the open market settlement service providing system 10 may include 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 may access 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 the data scraped from the first server 200 and the second server 300 to predict the exact settlement amount and time, and 400) can be transmitted.

According to one embodiment, the first server 200 is a financial institution server that includes account information where deposit and withdrawal details of online sellers have occurred, and the second server 300 includes sales history information on products sold by online sellers. It is an open market server, and the terminal 400 may be a smart phone or a tablet terminal.

Although the open market settlement service providing system 10 shown in FIG. 1 is a server-client system, it may be configured as a single electronic device in which the open market settlement service application is installed differently.

2 is a block diagram for explaining a configuration included in the open market settlement service providing server 100 according to an embodiment. Referring to FIG. 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/wireless communication with other devices or networks. To this end, the communication unit 110 may include a communication module supporting at least one of various wired and wireless communication methods. For example, the communication module may be implemented in the form of a chipset.

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

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 controller 120 may provide an open market settlement service by executing a program for providing the open market settlement service stored in the storage unit 130 .

A detailed method for the control unit 120 to provide an open market settlement service will be described in detail below with reference to other drawings.

Various types of data for providing an open market settlement service, such as files, applications, and programs, may be installed and stored in the storage unit 130 .

In addition, the storage unit 130 may store other financial institution authentication media and financial information owned by the online seller.

The scraping unit 140 accesses a server of a financial institution or an open market server and receives financial transaction information of other financial institutions with which the online seller transacts or details of products sold in the open market. In this case, 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 details of deposits and withdrawals of accounts traded by online sellers with open markets.

In FIG. 3 , the scraping unit 140 is illustrated as having a configuration separate from the control unit 120 , but for convenience of explanation, scraping-related operations among operations performed by the control unit 120 are actually performed as a separate component. It is expressed as being performed by the unit 140 . Accordingly, the operations performed by the scraping unit 140 may be viewed as being actually performed by the control unit 120 .

Hereinafter, a detailed method of providing an open market settlement service will be described.

Hereinafter, a method for providing the open market settlement service in the open market settlement service providing apparatus 100 as described above will be described. 3 is a flowchart illustrating 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 store the first account information including the account information on which the deposit and withdrawal details have occurred through the authentication medium of another financial institution stored in the storage unit 130 . It is possible to access the server, scrape the deposit and withdrawal details of the corresponding account, and store or update the information in the storage unit 130 . In step 302, the control unit 120 causes the second scraping unit 140 to access the second server including the sales history information for the products sold through the authentication medium of another financial institution stored in the storage unit 130, By scraping the sales history of the product for sale, it can be 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 the deposit and withdrawal details of the account and the sales details of the products to be sold. In step 304, the control unit 120 predicts the settlement amount and time for the sale product based on the analyzed settlement pattern. There may be various methods to analyze the settlement pattern of the open market based on the account's deposit and withdrawal details and the sales history of sales products, and to predict the settlement amount and timing of the sales products based on the analyzed settlement pattern. It will be described in detail with reference to FIG. 4 . The controller 120 may transmit the predicted settlement amount and time to the terminal 400 .

Through this, the effect of increasing the stability of the online seller's fund management by predicting the exact amount and time of settlement in the online seller's open market can be expected.

Hereinafter, with reference to FIG. 4, the settlement pattern of the open market is analyzed based on the account's deposit and withdrawal details and the sales history of sales products, and the settlement amount and time of the sales products are predicted based on the analyzed settlement pattern. An example will be described. However, this is only an example to help understanding, and the method of predicting the settlement amount and the settlement time may be implemented in various ways other than the presented embodiment.

The settlement pattern can be defined as information including the sales commission paid by the online seller when using the open market and the settlement schedule in which the open market operator deposits the online seller's share to the online seller. Each open market has different sales commissions and settlement times, and there are also different settlement patterns for each item, so the control unit 120 determines the settlement pattern of the open market based on the account’s deposit and withdrawal details and sales history. can be analyzed. Based on the analyzed settlement pattern, the controller 120 may predict the settlement amount and settlement time for the sales details that have not yet been settled in the open market.

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

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

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 the open market B based on the deposit and withdrawal details and sales details of the account. Looking at the sales history for Open Market B and the deposit and withdrawal details of the account, the sales history (total sales amount of 150,000 KRW) was settled on October 1, 20, and the deposit was made on October 8, 2020 (142,500 KRW), and in October 20 On the 2nd day, the sales details (total sales amount of KRW 300,000) were settled, and the deposit (285,000 KRW) was made on October 9, 2020, and the sales details (total sales amount of KRW 450,000) were settled on October 10, 2020 Through the deposit (427,500 won), the control unit 120 can analyze that the settlement pattern for the open market B is a 5% commission and 7 days after the sale date. The controller 120 may predict the settlement amount (142,500 won) and the settlement time (November 8, 2020) for 10 jeans sold in B on November 1, 20, based on this.

According to another embodiment, the controller 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 deposit and withdrawal details and the sales details of the account. If you look at the sales history for Open Market C and the deposit and withdrawal details of the account, the sales history on Monday, October 5, 2020 (total sales amount of KRW 150,000) and October 6, 2020 (Tuesday) sales history (total sales amount of 300,000 KRW) This was settled and the deposit (382,500 won) was made on October 9, 2020 (Fri), and the sales details (total sales amount of 450,000 won) were settled on October 12, 20 (Mon), and on October 16, 2020 (Fri) Through the deposit (382,500 won), the control unit 120 can analyze that the settlement pattern for the open market C is a fee of 15% and settlement every Friday. The controller 120 may predict the settlement amount (127,500 won) and the settlement time (Friday, November 6, 2020) for 10 jeans sold at C on November 1, 20, based on this.

Also, the control unit 120 may analyze the settlement pattern of the open market based on the deposit and withdrawal details of a plurality of sellers for the same open market and the sales details of the sold products. The control unit 120 may store or update the settlement pattern of the analyzed open market in the storage unit 130 . The control unit 120 uses the settlement pattern of the open market analyzed based on the deposit and withdrawal details of a plurality of sellers for the same open market and the sales history of the sold products, the settlement amount for the products sold in the open market used by the online seller, and The settlement time can be predicted. Through this, even an online seller with no sales record can be provided with the settlement amount and timing of the sales product predicted through the settlement pattern analyzed in the open market.

The controller 120 may analyze the settlement patterns for the plurality of open markets, and predict the settlement amount and settlement time for the sales products for each of the plurality of open markets based on the analyzed settlement patterns. Through this, the online seller can compare settlement patterns for a plurality of open markets and select an open market that matches the settlement pattern that he or she wants before selling the product.

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

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

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

The functions provided in the components and '~ units' may be combined into a smaller number of elements and '~ units' or separated from additional components and '~ units'.

In addition, components and '~ units' may be implemented to play one or more CPUs in a device or secure multimedia card.

The open market settlement service providing method according to the embodiment described with reference to FIGS. 3 to 4 may also be implemented in the form of a computer-readable medium for storing instructions and data executable by a computer. In this case, the instructions and data may be stored in the form of program codes, and when executed by the processor, a predetermined program module may be generated to perform a predetermined operation. In addition, computer-readable media can be any available media that can be accessed by a computer, and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer-readable medium may be a computer recording medium, which is a volatile and non-volatile and non-volatile storage medium implemented in any method or technology for storage of information such as computer-readable instructions, data structures, program modules, or other data. It may include both volatile, removable and non-removable media. For example, the computer recording medium may be a magnetic storage medium such as HDD and SSD, an optical recording medium such as CD, DVD, and Blu-ray disc, or a memory included in a server accessible through a network.

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

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

Here, the processor may process a command within the computing device, such as, for example, to display graphic information for providing a graphic user interface (GUI) on an external input or output device, such as a display connected to a high-speed interface. Examples are instructions stored in memory or a storage device. In other embodiments, multiple processors and/or multiple buses may be used with multiple memories and types of memory as appropriate. In addition, the processor may be implemented as a chipset formed by chips including a plurality of independent analog and/or digital processors.

Memory also stores information within the computing device. As an example, the memory may be configured as a volatile memory unit or a set thereof. As another example, the memory may be configured as a non-volatile memory unit or a set thereof. The memory may also be another form of computer readable medium, such as, for example, a magnetic or optical disk.

In addition, the storage device may provide a large-capacity storage space to the computing device. A storage device may be a computer-readable medium or a component comprising such a medium, and may include, for example, devices or other components within a storage area network (SAN), a floppy disk device, a hard disk device, an optical disk device, or a tape device, a flash memory, or other semiconductor memory device or device array similar thereto.

The above-described embodiments are for illustration, and those of ordinary skill in the art to which the above-described embodiments pertain can easily transform into other specific forms without changing the technical idea or essential features of the above-described embodiments. you will understand Therefore, it should be understood that the above-described embodiments are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a dispersed form, and likewise components described as distributed may be implemented in a combined form.

The scope to be protected through this specification is indicated by the claims described below rather than the detailed description, and it should be construed to include all changes or modifications derived from the meaning and scope of the claims and their equivalents. .

Claims

In the device for providing an open market settlement service,

a storage unit for storing data for providing the open market settlement service;

a first scraping unit that accesses the first server including the account information in which the deposit and withdrawal details occurred, scrapes the deposit and withdrawal details of the corresponding account, and stores or updates the deposit and withdrawal details in the storage unit;

a second scraping unit that accesses a second server including sales history information on the product for sale, scrapes the sales history of the product for sale, and stores or updates the storage unit; and

A control unit that analyzes a settlement pattern for the open market based on the deposit and withdrawal details of the account and the sales details of sales products, and predicts the settlement amount and settlement time for the sales products based on the analyzed settlement pattern, Device comprising, .
According to claim 1,

The apparatus, characterized in that the settlement pattern is information including a sales fee paid by the online seller when using the open market and a settlement schedule for the open market operator to deposit the online seller's share to the online seller.
According to claim 1,

The control unit is

An apparatus for analyzing a settlement pattern for a plurality of open markets, and predicting a settlement amount and a settlement time for a sale product for each of the plurality of open markets based on the analyzed settlement pattern.
According to claim 1,

The control unit is

An apparatus for analyzing a settlement pattern for each sale item in the open market, and predicting a settlement amount and a settlement time for a sale product for each sale item in the open market based on the analyzed settlement pattern.
According to claim 1,

the control unit

Transmitting the settlement amount and time for the sale product to a financial institution server so that a loan condition can be determined based on the settlement amount and time for the sale product or the financial institution can determine the loan condition;

Transmitting the determined loan condition to the terminal, the device.
According to claim 1,

The control unit is

A device that analyzes the settlement pattern of the open market based on the deposit and withdrawal details of a plurality of sellers and the sales details of the sold products.
In the method of providing an open market settlement service,

scraping the deposit and withdrawal details of the corresponding account by accessing the first server including the account information in which the deposit and withdrawal details occurred;

scraping the sales history of the sold product by accessing a second server including sales history information on the sale product; analyzing a settlement pattern for the open market based on the deposit and withdrawal details of the account and the sales details of sold products; and predicting a settlement amount and a settlement time for the sale product based on the analyzed settlement pattern.
8. The method of claim 7,

The method, characterized in that the settlement pattern is information including a sales commission 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.
8. The method of claim 7,

The steps of predicting the settlement amount and settlement time are:

A method of analyzing a settlement pattern for a plurality of open markets, and predicting a settlement amount and a settlement time for a sale product for each of the plurality of open markets based on the distributed settlement pattern.
8. The method of claim 7,

The steps of predicting the settlement amount and settlement time are:

A method of analyzing a settlement pattern for each sale item in the open market, and predicting a settlement amount and a settlement time for a sale product for each sale item in the open market based on the analyzed settlement pattern.
8. The method of claim 7,

The method of providing the open market settlement service,

transmitting the settlement amount and time for the sale product to a financial institution server so that a loan condition can be determined based on the settlement amount and time point for the sale product or a financial institution can determine a loan condition; and

Further comprising the step of transmitting the determined loan conditions to the terminal, the method.
8. The method of claim 7,

The step of analyzing the settlement pattern is,

A method of analyzing the settlement pattern of the open market based on the deposit and withdrawal details of a plurality of sellers and the sales history of the sold products.
A computer-readable recording medium in which a program for executing the method according to claim 7 is recorded on a computer.