SYSTEM OF RAPID ENCASHMENT OF CREDIT CARD SALES FOR SMALL AND MEDIUM-SIZED BUSINESS BASED BIGDATA

The present invention relates to a real-time encashment system of electronic payment sales based on big data, wherein correlation between the encashment request data of a member shop and electronic payment sales data of the member shop is analyzed, the encashment time of the member shop is calculated based on the analysis result, and information on the amount of possible encashment at the calculated encashment time to the member shop is provided, thereby enabling part of the electronic payment sales to be paid to the account of the member shop if the owner of the member shop wants. Information on the daily sales of the member shop is analyzed and necessary money is calculated, thereby enabling the owner of the member shop to stop calculating or predicting necessary money for purchasing materials etc. after the finish of product sales day by day. 본 발명은 가맹점의 선지급 요청 데이터와 가맹점의 전자결제매출 데이터의 연관성을 분석하고, 분석 결과를 기반으로 가맹점의 선지급 시점을 산출하고, 산출된 선지급 시점에 가맹점에 선지급 가능금액 정보를 제공하여, 가맹점주가 원할 경우 전자결제매출 금액의 일부를 가맹점의 계좌로 지급되도록 하는 빅데이터 기반의 전자결제매출 실시간 선지급 시스템에 관한 것으로, 가맹점의 일일 매출정보를 분석하여 필요자금을 산정함으로써, 가맹점주가 상품 판매 종료 후 재료 구입 등 그날 그날 필요한 자금을 계산하거나 예측하지 않도록 하는 효과가 있다.