KR101802813B1 - Apparatus for Transacting Resources and Resources Transaction Method - Google Patents

Abstract

The present invention relates to an apparatus for mediating a buyer and a supplier to match the buyer and the supplier with a financial resource easily for enabling a desired transaction and a method thereof. The financial resource transaction mediating apparatus includes: a financial resource request obtaining unit which obtains a financial resource request including information regarding financial resources having a buyer wanting a purchase from a buyer system; a storage unit storing the financial resource information related to financial resources provided to one or more suppliers; an information processing unit which determines one or more among the suppliers based on the financial resource request and the financial resource information, provides a message related to the financial resource to the determines suppliers, obtains the financial resource information related to the buyer request in response to the financial resource request from a supplier system of supplier candidates, and generates catalog information including the obtained financial resource; and an information providing unit for providing the catalog information to the buyer system.

Description

[0001] The present invention relates to a financial transaction intermediation apparatus and a financial transaction intermediation method,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial transaction intermediation apparatus and method, and more particularly, to an apparatus and a method for mediating a financial transaction by matching purchasers of financial resources with suppliers of financial resources.

Due to the development of the Internet-based network, we are experiencing a huge transformation in information and transactions, sharing a lot of information and trading resources from time to time. The creation of a virtual space through a network has brought about various types of service provision and online real-time transactions in the virtual space, thereby enabling offline transactions and services as well as online electronic commerce.

In general, suppliers who supply resources such as goods or services, and buyers who purchase resources, can notify the buyer of information about the resources they supply, such as web pages, open markets, And purchasing resources from buyers. Alternatively, the source of information about the source of the buyer's purchase is disclosed, and the source of the transaction is made through auction method in which a plurality of suppliers bids.

However, according to the conventional method, there is a problem that the buyer finds a supplier to supply the resource to his / her desired condition or the supplier tries to find a buyer to purchase his / her own resources.

In addition, Korean Patent Laid-Open Publication No. 10-2012-0096708 discloses that when a buyer can receive a unique link after completing a purchase and exposes it through another medium, if a third party purchases the same product through a unique link of the buyer And provides a compensation to the buyer corresponding to the unique link.

In this prior art, it is difficult for a third party to describe the technique of compensating the buyer when purchasing the goods of the buyer, but it is difficult to achieve the goal that the buyer and the supplier can be more easily mapped.

An embodiment of the present invention is to provide an apparatus and method for mediating between a buyer and a supplier so that a buyer and a supplier of a resource can easily match each other and a desired transaction can be easily accomplished.

According to an aspect of the present invention, there is provided a financial transaction intermediation apparatus comprising: a financial transaction request intermediation unit for acquiring a financial transaction request from a purchaser system, A storage unit for storing resource information, which is information related to resources provided by at least one supplier; Determining at least one candidate supplier among the at least one supplier based on the resource request and the resource information, providing a message about the resource request to the determined at least one candidate supplier, An information processing unit for acquiring resource information for a purchaser who has dispatched the purchase request in response to the resource request, and generating catalog information including the acquired resource information; And an information providing unit for providing the catalog information to the buyer system.

According to another aspect of the present invention, a financial transaction intermediation apparatus comprises: indexing and storing the financial information; and receiving, from the at least one supplier, the at least one candidate provider, based on the financial resource request and the indexed financial information, And the information processing unit determines the at least one candidate supplier using the search engine.

According to another embodiment of the present invention, the resource request includes text composed of natural language, the information processing unit analyzes a morpheme of text included in the resource request, extracts a keyword based on the analysis result, And the search engine determines the candidate supplier by searching the resource information based on the extracted keyword.

According to another embodiment of the present invention, the information processing unit may determine a catalog providing date based on the request for financial resources, and store the information on the at least one candidate provider stored in the storing unit in the determined catalog providing date And the catalog information is generated based on the catalog information.

According to another embodiment of the present invention, the information processing unit generates the catalog information by sorting the financial information about the at least one candidate supplier based on the index information determined based on the financial resource request have.

According to another embodiment of the present invention, the information processing unit repeatedly generates the catalog information at a predetermined period.

Further, according to another embodiment, the financial information may include at least one of article information, personnel information, and technical information.

According to another embodiment of the present invention, the information obtaining unit obtains the order approval information corresponding to the catalog information, the information providing unit provides the ordering information to the final supplier corresponding to the order approval information, And updates the transaction information generated through the device to the resource management system of the purchaser system.

Further, the financial transaction intermediation apparatus according to another embodiment may update the transaction information to the resource management system through middleware.

According to another embodiment of the present invention, the information providing unit updates the transaction information using the SAP JCO-based RFC processing method when the buyer system is SAP ERP.

According to another embodiment of the present invention, the information provider may communicate with the agent system located in the demilitarized zone region of the buyer system through ARIA 256 encryption.

According to an aspect of the present invention, there is provided a financial transaction intermediation method using a financial transaction intermediary apparatus according to an embodiment of the present invention. The financial transaction intermediation method comprises a buyer system for receiving a financial resource request, Request obtaining step; A candidate supplier search step of searching at least one candidate supplier among at least one supplier based on the resource information, which is information related to the resource request and resources provided by at least one supplier; A resource request notification step of providing a message related to the resource request to the searched at least one candidate supplier; Acquiring resource information for a purchaser who has sent the purchase request in response to the resource request from the supplier system of the candidate supplier; A catalog information generating step of generating catalog information including the acquired financial information; And a catalog information providing step of providing the catalog information to the buyer system.

According to still another aspect of the present invention, the financial transaction intermediation method further includes acquiring supplier information from a financial resource page including information on financial resources provided by the at least one supplier, Indexing and storing the resource information and retrieving the at least one candidate supplier from the at least one supplier based on the resource request and the indexed information.

According to another embodiment of the present invention, the catalog information generating step may include: arranging resource information on the searched at least one candidate supplier based on index information determined based on the request for resources; And sorting the source information about the searched at least one candidate supplier based on the index information.

1 is a block diagram briefly showing a structure of a financial transaction intermediation apparatus according to an embodiment.
FIG. 2 is a flow chart briefly illustrating a process for mediating financial transactions in accordance with one embodiment.
3 is a flow chart illustrating a process for generating catalog information according to another embodiment.
Figure 4 is a flow chart illustrating a process for brokering a financial transaction in accordance with another embodiment.
FIG. 5 is a flowchart illustrating a process of synchronizing transaction information and transmitting order information to a buyer system after financing transaction according to another embodiment.
6 is an exemplary diagram illustrating a user interface output through a buyer system or a supplier system when a buyer or a supplier accesses a buyer portal or a supplier portal according to one embodiment.
FIGS. 7 and 8 are exemplary diagrams illustrating a user interface for a buyer to input information to be included in a financial resource request through a buyer system according to an embodiment.
9 is an exemplary diagram illustrating a user interface for a provider to enter financial information via a provider system in accordance with one embodiment.
FIG. 10 is an exemplary diagram illustrating a catalog information list output through a purchaser system according to an embodiment.
11 is an exemplary diagram illustrating catalog information output through a purchaser system when a user selects a catalog information list according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it is understood that this is not only the case where it is "directly connected" but also the case where it is "electrically connected" Quot; connected "to " enabled " Also, when an element is referred to as "comprising ", it means that it can include other elements as well, without departing from the other elements unless specifically stated otherwise. In addition, elements dispersedly described in the present invention may be physically implemented in one apparatus or may be implemented using a physically dispersed apparatus even though they are described as one constituent element.

Throughout this specification, the term "buyer " means a person who desires to purchase resources by requiring resources such as products supplied by other companies, technologies of other companies, or manpower. The purchaser may be an individual or a person in charge of purchasing the company, but the present invention is not limited thereto. The buyer can log in to the buyer portal using the buyer ID. Alternatively, if the buyer system 150 includes a resource management system (e.g., an SAP ERP system), the buyer may access the buyer portal through the resource management system of the buyer system 150. For example, the resource management system of the buyer system 150 may access the buyer portal through SSO interworking. The term "seller" means a company that can provide products or technologies, a manpower capable of providing services, and the like, but the present invention is not limited thereto. The seller can log in to the seller portal using the seller ID. The buyer portal and the seller portal may be implemented as separate components from the financial transaction intermediation device, but may also be included in the financial transaction intermediation device.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram briefly showing a structure of a financial transaction intermediation apparatus 100 according to an embodiment.

1, the financial transaction intermediation apparatus 100 may include an information processing unit 110, an information obtaining unit 120, an information providing unit 130, and a storage unit 140 .

The information processing unit 110 stores a ROM storing a control program for controlling the financial transaction intermediary apparatus 100 and a signal or data input or received from the outside or a work performed in the financial transaction intermediary apparatus 100 But it is not limited thereto. The CPU may include at least one processor, such as a single core, dual core, triple core, or quad core. The CPU, ROM and RAM may be interconnected via an internal bus (BUS), but are not limited thereto.

The financial transaction intermediation apparatus 100 can acquire information by receiving signals or data from the buyer system 150 or the supplier system 160 via the information obtaining unit 120 using wire / wireless communication. In addition, the financial transaction intermediation apparatus 100 can provide information by transmitting signals or data to the buyer system 150 or the supplier system 160 using wire / wireless communication through the information providing unit 130. Although the information obtaining unit 120 and the information providing unit 130 are described as separate components in the present specification, they may be configured to include one communication module according to an embodiment.

The storage unit 140 may store signals or data to be input / output under the control of the information processing unit 110. In addition, the storage unit 140 may store a control program for controlling the financial transaction intermediation apparatus 100 and an application for providing financial transaction intermediation service by the financial transaction intermediation apparatus 100, but is not limited thereto . The storage unit may be configured to include at least one of, for example, a nonvolatile memory, a volatile memory, a hard disk drive (HDD), and a solid state drive (SSD).

The buyer system 150 means a system for the buyer to process information or access the buyer portal 180. The purchaser system 150 includes a terminal (e.g., a PC, a notebook computer, a smartphone, a tablet PC, etc.) for accessing the buyer portal 180, a resource management system (e.g., Enterprise resource planning (ERP) systems), and the like. In addition, the supplier system 160 means a system for the supplier to process information or to access the supplier portal 190.

The information obtaining unit 120 of the financial transaction intermediation apparatus 100 can obtain the financial information from the purchaser system 150. [ According to one embodiment, the buyer may enter a financial request to be sent to the financial transaction intermediation apparatus 100 via the purchaser system 150. [ The financial request may include information about the financial resources the buyer wants to purchase. For example, the buyer can input information to be included in the resource request through a user interface for the buyer to input information to be included in the resource request through the purchaser system 150 shown in FIG. The buyer system 150 may output a user interface for entering information to be included in the resource request by accessing the buyer portal. Referring to the embodiment shown in FIG. 7, the buyer can input the catalog providing date through the finance request expiration date input item 710. [ In addition, the purchaser can input the name of the resource by inputting the product name through the product name input item 720, or by selecting the product name included in the predetermined product list or the previously created resource request. In addition, the buyer can input the quantity and unit of resources to be purchased through the quantity and unit input item 730. [ In addition, the buyer can select the priority order of the conditions required at the time of purchasing the resources through the priority selection item 740. [ In addition, the buyer can designate a supplier to which the resource is to be supplied through the supplier designation item (750).

Further, according to the embodiment, the purchaser can input more detailed information through the user interface as shown in FIG. 8 to be included in the financial information. For example, referring to FIG. 8, the buyer can input the location to receive the resource through the desired destination input field 810. In addition, the purchaser can input the date to receive the resource through the desired delivery date input item 820. [ In addition, the buyer can input the attribute of the resource to be purchased through the product attribute input field 830. In addition, the purchaser can input an image of the resource to be purchased through the image input item 840. [ In addition, the purchaser can enter any requirements related to the purchase of resources through the unstructured requirement entry (850). The user interface shown in FIGS. 7 and 8 shows an example of a case where the buyer wants to purchase the goods, but if the buyer wants to purchase the goods or the manpower, the input items included in the user interface are changed .

The financial resource request may include information inputted by the purchaser through the purchaser system 150 as shown in FIGS. 7 and 8, but is not limited thereto. For example, the buyer may select a request for resources that he / she has transmitted in the past so that the same resource request is sent to the financial transaction intermediation apparatus 100. As another example, the predetermined financial resource request may be transmitted to the financial transaction intermediation apparatus 100 periodically.

According to one embodiment, the storage unit 140 may store resource information, which is information on resources supplied by at least one supplier, and supplier information, which is information capable of identifying at least one supplier. According to one embodiment, the financial information may be information that each of at least one supplier has registered in the financial transaction intermediation apparatus 100. According to another embodiment, the financial information may be, but is not limited to, information collected based on the identifier embedded in the provider's financials page. Here, the resource page may mean data including information about the resources supplied by the supplier. For example, a financial page may be a web page or a database listing information about the financial resources supplied by the supplier, but is not limited to this. In addition, the identifier inserted in the resource page means information indicating the attribute of the resource. The identifier inserted in the resource page may be in the form of a kind of code, but is not limited thereto. For example, when the source included in the source page is ink, the identifier included in the source page may include ink capacity, color, and the like.

The information processing unit 110 can select at least one candidate supplier among at least one supplier in which the supplier information is stored in the storage unit 140. [ Here, the information processing unit 110 may select at least one candidate supplier based on the resource request information acquired through the information acquisition unit 120 and the resource information stored in the storage unit 140. [

According to one embodiment, when text is included in the resource request, the information processing unit 110 may analyze the text included in the resource request, and extract the keyword based on the analysis result of the resource request. Here, the information processing unit 110 can extract keywords by analyzing the morpheme of the text through natural language analysis on the text included in the request for resources. In particular, if the text included in the financial request is a natural language consisting of Korean characters, it is necessary to extract a noun, a number, a foreign language, a foreign language, etc. from the text to extract the keyword. The information processing unit 110 can select a candidate supplier by searching for financial information using a search engine (not shown) using the extracted keyword. For example, when the resource request includes a text 'a telescope having a visual distance of at least 500 m' is included, the information processing unit 110 extracts 'visible distance', '500 m', and 'telescope' , The supplier's source information can be searched by the candidate supplier corresponding to the source information including the information about the telescope having a viewing distance of 500 m or more. Here, the provider corresponding to the financial information may be determined based on the provider information corresponding to the financial information. According to an embodiment, the supplier information may be in the form of a code that identifies the supplier, but is not so limited. Here, a search engine (not shown) may be included in the information processing unit 110, but may be a separate component. According to one embodiment, the search engine can index and store the financial information stored in the storage unit 140, and perform more accurate and quick searches using the indexed information.

In addition, according to another embodiment, when the image request is included in the resource request, the information processing unit 110 may include at least one candidate provider among the at least one supplier, Can be selected. For example, when a request for a product includes a product image, the information processing unit 110 performs a similarity search with the product images included in the resource information, thereby obtaining a product corresponding to the product image whose similarity is equal to or greater than a preset value The supplier to be supplied can be selected as the candidate supplier. However, this is not limited.

Further, according to another embodiment, the information processing unit 110 may calculate the evaluation value for the supplier and sort or select the candidate supplier based on the calculated evaluation value. For example, the information processing unit 110 may calculate a reputation value for a supplier (e.g., a corporation or a manpower) using a social media. Various methods for calculating the reputation value using the social media are disclosed, and detailed description is omitted. For example, the information processing unit 110 can sort the candidate suppliers in the order of the calculated evaluation values. For example, when the information processing unit 110 includes a condition for receiving a resource from a supplier having an evaluation value of 4 or more in the request for resource allocation, the information processing unit 110 acquires a candidate supplier among the suppliers whose evaluation value is 4 or more You can choose. However, this is not limited.

According to one embodiment, the financial transaction intermediation apparatus 100 may provide a message relating to the financial request to the supplier system 160 of the candidate supplier selected through the information providing unit 130. For example, the information provider 130 may send a push message to a supplier terminal (not shown) included in the supplier system 160. As another example, the information provider 130 may send an email containing the information contained in the request for funding to the supplier's email address. As another example, when a supplier logs in to a supplier portal 190 via a supplier system 160, the supplier system 160 displays the information contained in the request for resources through the supplier portal 190, May be provided to the supplier system 160. < RTI ID = 0.0 > Here, the message relating to the financial resource request may include information such as a catalog providing date indicating when the financial resource request expires, a product name to be purchased by the purchaser, a quantity and a priority, but is not limited thereto.

According to one embodiment, the information processing unit 110 may obtain the financial information for the buyer in response to the financial request from the provider to whom the message is provided. Herein, the financial information obtained from the supplier may further include information on a transaction condition for the buyer. For example, the financial information obtained from the supplier may further include information about a promotion, a transaction price, etc. provided to the purchaser who sent the purchase request. Here, the financial information may be input through the supplier system 160 and received by the financial transaction intermediation apparatus 100 through the information obtaining unit 120. [ That is, when the supplier confirms the request for the fund, and inputs information about the fund to the buyer in order to make a proposal about the purchase of the fund, the information processing unit 110 can obtain the resource information including the information input to the supplier. For example, the supplier can input information about the price, product name, product specification, promotion application, etc. of the product in accordance with the specification request when the buyer wants to purchase the product.

According to one embodiment, the supplier may access the supplier portal 190 via the supplier system 160 to enter the financial information. Financial information means information related to the financial resources supplied by the supplier. 9 is an exemplary diagram showing a user interface for a supplier to access the supplier portal 190 through the supplier system 160 and input financial information. The supplier can select the category of the product to be supplied through the classification selection item 910. In addition, the supplier can input the product name through the product name input field 920. [ In addition, the supplier can input a unit price to sell the product through the unit price input item 930. [ Also, the supplier can input information on the manufacturer that manufactured the product through the manufacturer input item (940). In addition, the supplier can input the quantity of stocks of the product that it holds through the item of stock quantity 950. In addition, the supplier can input units of stock quantity through unit input item (960). In addition, the supplier can input a description of the product to be provided to the purchaser through the product description entry (970). In addition, the supplier can input the product image through the image input item 980. [

The user interface shown in FIG. 9 shows an example of a case where a supplier supplies an article. However, depending on the nature of the supplier or the nature of the resources supplied by the supplier, the user interface includes information Can be changed. For example, if the supplier is an enterprise and the resources supplied by the supplier are the technology of the enterprise, then the supplier must have a list of the technologies it holds, the characteristics of the technology it holds, the skill level of the technology, Information can be entered through the supplier portal to be included in the financial information. In another example, if the supplier is a workforce, the supplier may enter information about his / her qualifications, skills, and experience through the supplier portal to be included in the financial information. The financial information obtained by the financial transaction intermediary apparatus 100 may be stored in the storage unit 140. [ However, it may be stored in a separate storage medium according to an embodiment.

According to one embodiment, the information processing unit 110 may generate catalog information including financial information obtained from at least one supplier system 160. [ The catalog information includes information about the resources provided by at least one supplier selected as a candidate supplier. For example, referring to FIG. 10, which is an illustration of a catalog information listing, a purchaser can access a buyer portal 180 through a buyer system 150 to view a list of catalog information. The list of catalog information includes a resource request number 1010 based on which catalog information is generated, an item number 1020 of the detailed item included in the resource request, a resource request title 1030, a name of the product requested 1040, Information such as the status 1050 of the information, the number of products 1060 included in the catalog information, the resource request date 1070, the resource request expiration date 1090, and the number of suppliers 1080. However, FIG. 10 is only an example for explaining an embodiment, and information included in the list of catalog information may be changed according to the embodiment.

When the buyer selects one catalog information item from the list of catalog information displayed, the buyer portal 180 can output the selected catalog information through the buyer system 160. [ Referring to FIG. 12 showing an example of catalog information output through the purchaser system 160, the catalog information includes a product name 1110 requested to be financed, a supply name 1120 to supply the product, a product supply price 1130, A product image 1140, a promotional application 1150, a product name 1160 to be provided by the supplier, a manufacturer 1170 that manufactured the product 1180, a supplier's transaction frequency 1180, Such as the frequency of transactions 1190 of the supplier providing the information, and the reputation information 1195 of the supplier. However, the catalog information shown in FIG. 11 is an example for explaining an embodiment, and the catalog information may be changed according to the embodiment.

According to one embodiment, the information processing unit 110 can determine the indicator information based on the resource request. Also, the information processing unit 110 can select the resource information to be included in the catalog or sort the resource information included in the catalog based on the index information. Herein, the indicator information means information that is a criterion for judging whether or not the financial information provided by the supplier and the supplier is suitable for the buyer's purchase request. For example, if the price is set in priority order in the financial request inputted by the buyer, the information processing unit 110 can sort the five financial resources in the order of low price and store them in the catalog information.

Also, according to another embodiment, the information processing unit 110 may perform the operation of generating catalog information at regular intervals. That is, the information processing unit 110 can generate only the catalog information to be provided in the corresponding period every predetermined period. For example, in the case of performing the operation of generating the catalog information every 24 hours, the information processing unit 110 may request the resource request that the catalog providing date included in the resource request is May 18, 2016, if the day date is May 18, The catalog information corresponding to the catalog information can be generated. The catalog information can be generated based on the final resource information updated by the supplier until the supplier provides the catalog by determining the catalog providing date based on the resource request and generating the catalog information at the determined catalog providing date.

When the information processing unit 110 generates catalog information, the information providing unit 130 can provide the generated catalog information to the buyer system 150. [ For example, information provider 130 may send catalog information to a buyer terminal (not shown) included in buyer system 150. As another example, the information providing unit 130 may send an e-mail containing catalog information to the buyer's e-mail address. In another example, when a buyer logs in to the buyer portal 180 through the buyer system 150, the buyer system 150 displays the catalog information list and the catalog information through the buyer portal 180, To the buyer system (150).

FIG. 2 is a flow chart briefly illustrating a process for mediating financial transactions in accordance with one embodiment.

First, in the resource request acquisition step (S210), the financial transaction intermediation apparatus 100 can acquire a financial resource request from the purchaser system 150. [ According to one embodiment, the buyer may enter a financial request to be sent to the financial transaction intermediation apparatus 100 via the purchaser system 150. [ For example, the financial transaction intermediation apparatus 100 can obtain a financial resource request including information input through a user interface as shown in FIGS. The user interface shown in FIGS. 7 and 8 shows an example of a case where the buyer wants to purchase the goods, but if the buyer wants to purchase the goods or the manpower, the input items included in the user interface are changed .

Thereafter, in the candidate supplier search (S220), the financial transaction intermediation apparatus 100 can search at least one candidate supplier among at least one supplier in which the financial information is stored in the storage unit 140. [ Here, the information processing unit 110 may select at least one candidate supplier based on the resource request information acquired through the information acquisition unit 120 and the resource information stored in the storage unit 140. [ According to one embodiment, when the financial transaction intermediary apparatus 100 includes text in the financial resource request, the text included in the financial resource request may be analyzed, and the keyword may be extracted based on the analysis result of the financial resource request. Here, the financial transaction intermediation apparatus 100 can extract the keyword by analyzing the morpheme of the text through natural language analysis on the text included in the request for funding. In particular, if the text included in the financial request is a natural language consisting of Korean characters, it is necessary to extract a noun, a number, a foreign language, a foreign language, etc. from the text to extract the keyword. The financial transaction intermediation apparatus 100 can select the candidate supplier by searching the financial information using a search engine (not shown) using the extracted keyword. For example, if the funding request includes a text 'a telescope having a visual distance of at least 500 m' is included, the financial transaction intermediation apparatus 100 may use the keywords 'visible distance', '500 m', and 'telescope' And search for a provider that includes information about the telescope whose financial information is over 500 meters in visibility. Here, the search engine (not shown) may be included in the financial transaction intermediation apparatus 100, but may be a separate component. According to one embodiment, the search engine may index or store the financial information stored by the provider or stored in the storage unit 140, and may perform a more accurate and quick search using the indexed information.

Also, according to another embodiment, the financial transaction intermediation apparatus 100 can select at least one candidate supplier among at least one supplier included in the financial information through image search when an image is included in the financial request . For example, when a financial transaction request includes a product image, the financial transaction intermediation apparatus 100 performs a similarity search with the product images included in the financial information so that the product transaction corresponding to the product image whose similarity is equal to or greater than a predetermined value The supplier that supplies the product can be selected as the candidate supplier. However, this is not limited.

Further, according to another embodiment, the financial transaction intermediation apparatus 100 may calculate an evaluation value for a supplier and select a candidate supplier based on the calculated evaluation value. For example, the financial transaction intermediation apparatus 100 can calculate a reputation value for a supplier (e.g., a corporation or a manpower) by using a social media. Various methods for calculating the reputation value using the social media are disclosed, and detailed description is omitted. For example, if the financial transaction intermediation apparatus 100 includes a condition for receiving a financial resource from a supplier having an evaluation value of 4 or more in the financial resource request, the financial transaction intermediation apparatus 100 may select one of the candidates You can choose a provider.

Thereafter, in the resource request notification step S230, the financial transaction intermediation apparatus 100 may provide a message regarding the resource request to the supplier system 160 of the selected candidate supplier. For example, the financial transaction intermediation apparatus 100 may provide at least one of a push message transmission, an e-mail transmission, and an indication via the supplier portal 190, but it is not limited thereto.

Thereafter, in the financial information acquisition step (S240), the financial transaction intermediation apparatus 100 can acquire financial information. According to the embodiment, the financial transaction intermediation apparatus 100 can acquire the financial information transmitted by the supplier directly through the buyer portal 190 to the financial transaction intermediation apparatus 100. [ Alternatively, according to another embodiment, the financial transaction intermediation apparatus 100 may obtain financial information from data (for example, data contained in a web page or a database) containing information related to the resources of a separate supplier .

Then, in the catalog information generation step (S250), the financial transaction intermediation apparatus 100 can generate catalog information including financial information obtained from at least one supplier system (160). The catalog information includes information about the resources provided by at least one supplier selected as a candidate supplier. For example, referring to FIG. 10, which is an illustration of a catalog information listing, a purchaser can access a buyer portal 180 through a buyer system 150 to view a list of catalog information. The list of catalog information includes a resource request number 1010 based on which catalog information is generated, an item number 1020 of the detailed item included in the resource request, a resource request title 1030, a name of the product requested 1040, Information such as the status 1050 of the information, the number of products 1060 included in the catalog information, the resource request date 1070, the resource request expiration date 1090, and the number of suppliers 1080. However, FIG. 10 is only an example for explaining an embodiment, and information included in the list of catalog information may be changed according to the embodiment.

When the buyer selects one catalog information item from the list of catalog information displayed, the buyer portal 180 can output the selected catalog information through the buyer system 160. [ Referring to FIG. 12 showing an example of catalog information output through the purchaser system 160, the catalog information includes a product name 1110 requested to be financed, a supply name 1120 to supply the product, a product supply price 1130, A product image 1140, a promotional application 1150, a product name 1160 to be provided by the supplier, a manufacturer 1170 that manufactured the product 1180, a supplier's transaction frequency 1180, Such as the frequency of transactions 1190 of the supplier providing the information, and the reputation information 1195 of the supplier. However, the catalog information shown in FIG. 11 is an example for explaining an embodiment, and the catalog information may be changed according to the embodiment.

According to one embodiment, the financial transaction intermediation apparatus 100 can determine the indicator information based on the financial request. In addition, the financial transaction intermediation apparatus 100 can select the financial information to be included in the catalog or sort the financial information included in the catalog based on the index information. Herein, the indicator information means information that is a criterion for judging whether or not the financial information provided by the supplier and the supplier is suitable for the buyer's purchase request. For example, if the price is set in priority order in the financial request inputted by the purchaser, the financial transaction intermediation apparatus 100 can arrange the five resources in the order of low price and store them in the catalog information.

In addition, according to another embodiment, the financial transaction intermediation apparatus 100 may perform the operation of generating catalog information at regular intervals. Referring to FIG. 3, in step S310, the financial transaction intermediation apparatus 100 can determine whether the current date has reached the catalog providing date for the financial request. As a result of the determination, if the current date does not reach the catalog providing date, the financial transaction intermediation apparatus 100 does not generate the catalog providing information. Thereafter, in step S320, when the new financial information is obtained, the financial transaction intermediary apparatus 100 may update the existing financial information obtained and stored in step S330 with the newly obtained financial information. Thereafter, the financial transaction intermediation apparatus 100 may perform step S310 again after a predetermined period of time has elapsed. By performing the step S310 at such a constant period, the load imposed on the financial transaction intermediation apparatus 100 can be reduced compared to the case where catalog information is generated from time to time. If the current date reaches the catalog providing date as a result of the determination in step S310, the catalog information generating step S250 of FIG. 2 can generate the catalog information based on the latest financial information.

When the catalog information is generated in the catalog information generating step S250, the financial transaction intermediation apparatus 100 can provide the catalog information generated in the catalog information providing step S260 to the buyer system 150. [ For example, the financial transaction intermediation apparatus 100 may provide catalog information using at least one of a push message transmission, an e-mail transmission, and an indication through the buyer portal 180, but is not limited thereto.

Figure 4 is a flow chart illustrating a process for brokering a financial transaction in accordance with another embodiment.

First, in step S401, the financial transaction intermediation apparatus 100 can obtain financial information for at least one supplier. The financial information may be information that is collected based on the information registered by the supplier in the financial transaction intermediation apparatus 100 or the identifier inserted in the provider's financials page. Here, the resource page may mean data including information about the resources supplied by the supplier. For example, a financial page may be a web page or a database listing information about the financial resources supplied by the supplier, but is not limited to this. In addition, the identifier inserted in the resource page means information indicating the attribute of the resource. The identifier inserted in the resource page may be in the form of a kind of code, but is not limited thereto. For example, when the source included in the source page is ink, the identifier included in the source page may include ink capacity, color, and the like.

Thereafter, in step S402, the purchaser can access the buyer portal 180 through the buyer system 150 to create information to be included in the request for funding. When a financial resource request is generated in the buyer portal 180, the financial transaction intermediation apparatus 100 can acquire the financial resource request from the buyer portal 180 in step S403.

Thereafter, in step S404, the financial transaction intermediation apparatus 100 can select at least one candidate supplier by retrieving the financial information matching the financial request obtained in step S403 among the financial information obtained in step S401. If the candidate supplier is selected, in step S405, the financial transaction intermediation apparatus 100 can transmit a message to the supplier system 160 of the supplier selected as the candidate supplier, indicating that the request for funding has been generated.

The supplier who has confirmed the request for the resource through the supplier system 160 can register the resource information in the supplier portal 190 through the supplier system 160 in step S406. Then, in step S407, the financial transaction intermediation apparatus 100 can obtain financial information from the supplier portal 190. [ Herein, the financial information obtained from the supplier portal 190 may further include information (for example, transaction price, promotion progress, etc.) about the transaction conditions with respect to the purchaser who sent the purchase request, Or more. Thereafter, in step S408, the financial transaction intermediary apparatus 100 can generate catalog information based on the acquired financial information. In step S409, the financial transaction intermediary apparatus 100 may transmit the generated catalog information to the buyer portal 180. [ The buyer portal 180 may send the catalog information to the buyer system 150 at step S410 The buyer may select one of the financial information included in the catalog information provided through the buyer system 150, The final supplier can be selected. That is, in step S411, the buyer system 150 may select the final supplier in the buyer portal 180. [ According to one embodiment, if the buyer system 150 includes a resource management system (e.g., an SAP ERP system), the buyer may select the final supplier through the resource management system of the buyer system 150. According to another embodiment, the buyer may access the buyer portal 180 through the buyer's terminal and select the final provider from the catalog information displayed via the buyer portal 180. [

If the final supplier is selected in the buyer portal 180, then in step S412, the buyer communicates through the buyer portal 180, the supplier communicates with the buyer portal 180 through the supplier portal 190, And the supplier portal 190, respectively. For example, an electronic bulletin board can be formed in which a buyer and a final supplier can connect and read a bulletin and read it. As another example, when a negotiation creating user interface that allows a buyer to input a desired amount in a separate window is formed in the buyer portal 180 and the buyer inputs a desired amount through the negotiation creating user interface, The information on the requested amount and the request for resources can be added to the negotiation list which can be confirmed through the negotiation unit 190. The supplier can confirm the desired amount entered by the buyer by selecting the request for the resource to be negotiated from the negotiation list. The supplier may enter the desired amount again for the desired amount or confirm the desired amount entered by the purchaser as the final amount. In addition, the buyer can also confirm that the negotiation community is formed through the buyer portal 180 to see whether the counterparty has confirmed the amount or entered a new desired amount with respect to the requested money amount entered by the purchaser and a list of requests for financing being negotiated. As another example, a messenger window may be formed to send and receive an instant message between the buyer system 150 and the supplier system 160, but is not limited thereto.

After the negotiation community is created in step S412, the supplier portal 190 may send a message to the supplier system 160 indicating that a negotiation request has been received in step S413.

FIG. 5 is a flowchart illustrating a process of synchronizing transaction information and transmitting order information to a buyer system after financing transaction according to another embodiment.

4, the buyer portal 180 may update the transaction information in the resource management system included in the buyer system 150. In this case, The transaction information generated by the financial transaction intermediation apparatus 100 is transmitted to the purchaser system 100 in order to prevent the transaction information from being missed in the resource management system of the purchaser system 150 when the financial transaction is performed by the financial transaction intermediation apparatus 100. [ To the resource management system of the mobile terminal 150. According to the embodiment, the transaction information may be updated by the financial transaction intermediation apparatus 100. [

However, in this case, due to the firewall of the buyer system 150, the buyer portal 180 or the financial transaction intermediary apparatus 100 may be refused to update the transaction information of the buyer system. Accordingly, when the transaction information is transmitted to the middleware 170 in step S501 to update the transaction information in the buyer system 150, in step S502, the middleware 170 updates the transaction information in the resource management system of the buyer system 150 can do. Here, an agent system may be included in the buyer system 150 to update the transaction information. Here, when the resource management system of the buyer system is SAP ERP, the agent system can update the transaction information based on the SAP JCo-based remote function call (RFC) processing method capable of importing SAP data from Java. The agent system may be located in the demilitarized zone (DMZ) area of the buyer system 150 and may communicate with SAP ERP through ARIA 256 data encryption.

When the final supplier and the purchase conditions (e.g., the purchase amount) are determined, the buyer system 150 in step S503 and step S504 can transmit the order approval information to the financial transaction intermediation apparatus 100 via the buyer portal 180 have. According to one embodiment, if the buyer system 150 includes a resource management system (e.g., an SAP ERP system), then the buyer may place an order to the buyer portal 180 via the resource management system of the buyer system 150 The approval information can be sent (S503). The buyer portal 180 receiving the order approval information from the buyer system 150 can transmit the order approval information to the financial transaction intermediary apparatus 100 (S504). According to another embodiment, the purchaser can access the buyer portal 180 through the purchaser's terminal and input the order approval information to the buyer portal 180 so that the buyer portal 180 sends the order approval information (S504) . Thereafter, in step S505, the financial transaction intermediation apparatus 100 can perform order settlement processing for the financial resource request. The order confirmation process may be to store the transaction information determined for the request for the resource in the storage unit 140 and change the processing state of the request to the purchase order state. In addition, the financial transaction intermediation apparatus 100 may transmit the order information to the supplier system 160 via the supplier portal 190 in steps S506 and S507.

6 is an exemplary diagram illustrating a user interface output through a buyer system 150 or a supplier system 160 when a buyer or a supplier accesses a buyer portal 180 or a supplier portal 190 according to one embodiment .

When the buyer logs in to the buyer portal 180, the buyer portal 180 displays a resource request list display area 610, a catalog information list display area 620, a negotiation list display area 630, and a purchase order list display area 640 ) Of the user interface. The buyer can select either the financial request list display area 610, the catalog information list display area 620, the negotiation list display area 630 and the purchase order list display area 640, A request list, a catalog information list, a negotiation list, and a list of purchase orders. When the buyer creates a new resource request, the newly created resource request can be added to the resource request list. Also, when catalog information is generated for a request for resources included in the resource request list, the corresponding resource request is inquired in the resource request list, and the generated catalog information is added to the catalog information list. Also, when the final supplier is determined by the buyer for the catalog information included in the catalog information list and the negotiation community is formed, information on the negotiation with the final supplier can be added to the negotiation list on the negotiation list. Also, when the final supplier is determined in the catalog information list and the transaction conditions are determined, the purchase order information for the final supplier can be included in the purchase order list. Or if the transaction conditions for the request for resources to be negotiated in the negotiation list are established, purchase order information for the final supplier may be included in the purchase order list.

Also, according to one embodiment, the buyer may view the list of resources through the resource list view user interface 650 provided in the buyer portal 180, instead of generating a new resource request, and select the resources directly from the resource list, You can also choose your own provider.

In addition, when the provider logs in to the supplier portal 190, the provider portal 190 displays a financial request list display area 610, a catalog information list display area 620, a negotiation list display area 630, And may output a user interface including the area 640. If the supplier is selected as a candidate supplier for the financial resource request sent by the purchaser to the financial transaction intermediation apparatus 100, the financial resource request may be added to the financial resource request list of the supplier. In addition, when catalog information is generated based on the financial information inputted by the provider with respect to the financial resource request list, catalog information generated in the catalog information list can be added by inquiring the financial resource request in the financial resource request list. Alternatively, if the supplier is selected as the final supplier in the catalog information list and a negotiation community is created, information on the negotiation content with the buyer may be added to the negotiation list. Or, if the supplier is selected as the final supplier in the catalog information list and the transaction conditions are determined by the buyer, purchase order information for the buyer may be added to the purchase order list. Alternatively, if the transaction conditions for the request for resources to be negotiated are determined in the negotiation list, the purchase order information for the buyer may be included in the purchase order list.

One embodiment of the present invention may also be embodied in the form of a recording medium including instructions executable by a computer, such as program modules, being executed by a computer. 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 include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes computer readable instructions, data structures, program modules, or other transport mechanisms, and includes any information delivery media.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

Claims (13)

In a financial transaction intermediation apparatus,
A resource request acquiring unit for acquiring a resource request including information on a resource desired by the purchaser from the purchaser system;
A storage unit for storing resource information, which is information related to resources provided by at least one supplier;
Determining at least one candidate supplier among the at least one supplier based on the resource request and the resource information, providing a message about the resource request to the determined at least one candidate supplier, Acquiring financial information for a purchaser who has sent a purchase request in response to the financial resource request, and generating catalog information including the acquired financial information, wherein, based on the index information determined based on the financial resource request, An information processing unit for sorting the resource information about one candidate supplier and generating the catalog information;
An information provider for providing the catalog information to the buyer system; And
Indexing and storing the financial information and retrieving the at least one candidate provider from the at least one supplier based on the financial resource request and the indexed financial information,
The request for resources,
A text or image made up of natural language,
The information processing unit,
Calculating an evaluation value for the at least one supplier,
Wherein if a text is included in the request for resources, the morpheme of the text included in the request for finance is analyzed, a keyword is extracted based on the analysis result, and the financial information is searched based on the extracted keyword, Lt; / RTI >
Determining the candidate supplier by performing a similarity search of an image included in the request for resources and a product image included in the resource information when the request includes an image,
Wherein the candidate supplier is determined based on the evaluation value calculated for the supplier when the evaluation request condition includes the evaluation value condition.
delete delete The method according to claim 1,
The information processing unit,
Wherein the catalog providing date is determined based on the resource request and the catalog information is generated based on the resource information for the at least one candidate supplier stored in the storage unit at the determined catalog providing date, .
delete The method according to claim 1,
The information processing unit,
And generates the catalog information repeatedly at regular intervals.
The method according to claim 1,
The resource information includes,
And at least one of product information, personnel information, and technical information.
The method according to claim 1,
The financial transaction intermediation apparatus comprises:
Further comprising an information acquiring unit for acquiring information by receiving signals or data from the purchaser system or the supplier system using wire / wireless communication,
The information obtaining unit obtains,
Obtains the order approval information corresponding to the catalog information,
The information providing unit,
And provides the order information to the final supplier corresponding to the order approval information, and updates the transaction information generated through the resource transaction intermediation device to the resource management system of the buyer system.
9. The method of claim 8,
The financial transaction intermediation apparatus comprises:
And updates the transaction information to the resource management system through the middleware.
9. The method of claim 8,
The transaction information includes:
Wherein the resource management system is updated using the SAP JCo based RFC processing method when the resource management system is SAP ERP.
In a financial transaction intermediation method by a financial transaction intermediation apparatus,
A resource request obtaining step of obtaining a resource request including information on a resource desired by the purchaser from the purchaser system;
A candidate supplier search step of searching at least one candidate supplier among at least one supplier based on the resource information, which is information related to the resource request and resources provided by at least one supplier;
A resource request notification step of providing a message related to the resource request to the searched at least one candidate supplier;
Acquiring resource information for a purchaser who has sent a purchase request in response to the resource request from the supplier system of the candidate supplier;
A catalog information generating step of generating catalog information including the acquired financial information;
A catalog information providing step of providing the catalog information to the buyer system; And
Obtaining supplier information from a resource page that includes information about resources provided by the at least one supplier,
The candidate supplier search step may include:
Indexing and storing the financial information and retrieving the at least one candidate provider from the at least one supplier based on the financial resource request and the indexed information;
Wherein if a text is included in the request for resources, the morpheme of the text included in the request for finance is analyzed, a keyword is extracted based on the analysis result, and the financial information is searched based on the extracted keyword, ;
Searching for the candidate supplier by performing a similarity search between an image included in the request for resources and a product image included in the financial information when the financial request includes an image;
And searching for the candidate supplier based on the evaluation value calculated for the supplier if the evaluation request condition includes the evaluation value condition,
The catalog information generating step may include:
Arranging resource information about the searched at least one candidate supplier based on indicator information determined based on the request for resources; And
Further comprising the step of sorting the resource information about the searched at least one candidate supplier based on the indicator information.
delete delete

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