KR102485489B1 - Method, device and system for providing a service platform for prepaid long-term products - Google Patents

Abstract

A device according to one embodiment of the present invention is configured to: acquire product information about a long-term product, which a transferor wishes to transfer, from a transferor's terminal; obtain contract information for the long-term product from a terminal of a provider providing the long-term product; check whether a contractor of the long-term product is the transferor based on the product information and the contract information; check whether the long-term product is tradable by checking whether the long-term product is transferrable; if the long-term product is checked to be transferrable, set the initial price of the long-term product; confirm whether the long-term product is to be transferred by sending the initial price to the transferor's terminal; register the long-term product in a transfer list by matching the initial price of the long-term product with the information of the long-term product based on an input that the long-term product is to be transferred; confirm a transferee of the long-term product; obtain transferee information from a transferee's terminal; and transmit the transaction details of the long-term product to the provider's terminal so that the contractor of the long-term product can be changed from the transferor to the transferee.

Description

Method, device and system for providing trading platform service for prepaid long-term products {METHOD, DEVICE AND SYSTEM FOR PROVIDING A SERVICE PLATFORM FOR PREPAID LONG-TERM PRODUCTS}

The following embodiments relate to a method, apparatus, and system for providing trading platform services for prepaid long-term products.

When a product is traded, payment is often made at the same time as the purchase. . In the case of a service transaction, it is not common that payment is made simultaneously with the provision of a service, and a prepaid or postpaid transaction is usually made. Of course, various transaction methods that combine simultaneous payment, prepayment, and postpayment transaction methods are appearing en masse. In particular, since a large amount of money is required to purchase a car, real estate, etc., various types of installment transactions are performed, and credit card transaction contracts and loans are often accompanied. However, interest on loans and credit card payments will soon return as a burden to households.

On the other hand, in the case of service products such as insurance, mutual aid, and mutual aid insurance, after purchasing the product, the consumer opens an account for the product, pays insurance money or mutual aid money on a fixed date every month, and in the event of a specific event, the company provides insurance service, mutual aid It is traded as a way of providing services, etc. Products sold through such a transaction method are hereinafter referred to as 'prepaid long-term products'.

In the case of prepaid long-term products, consumers can avoid spending a lump sum at a time by paying the price in the form of periodic installment savings after signing a product purchase contract, and can purchase products at a low price by pre-purchasing products with a high probability of future purchase. There are advantages to being However, in the case of prepaid long-term products, there may be cases of early termination without paying the full payment deadline. There is a disadvantage that difficulties arise in liquidity and recovery of project costs due to cancellation of the contract.

Korean Patent Registration No. 10-2420214 Korean Registered Patent No. 10-2237540 Korean Registered Patent No. 10-2095042 Korean Patent Publication No. 10-2020-0093953

Embodiments are intended to provide transaction brokerage of prepaid long-term products.

In the embodiments, a transfer list of long-term products that the transferor intends to transfer is created and provided to the user.

Embodiments seek to identify the transferee of a long-term instrument that the transferor intends to transfer.

A method of providing a trading platform service for prepaid long-term products includes the steps of acquiring product information on a long-term product that a transferor intends to transfer from a transferor's terminal; obtaining contract information of the long-term product from a terminal of a provider providing the long-term product; Based on the product information and the contract information, confirming whether the transferor of the long-term product is the same as the transferor, and confirming whether the long-term product is transferable, thereby confirming whether trading of the long-term product is possible; setting an initial price of the long-term product when it is confirmed that the transaction of the long-term product is possible; transmitting the initial price to the transferor's terminal and confirming whether to transfer the long-term product; registering the long-term product in a transfer list by matching an initial price of the long-term product with information on the long-term product, based on an input indicating that the long-term product is transferred; confirming the transferee of the long-term product; obtaining transferee information from a terminal of the transferee; and transmitting the transaction details of the long-term product to the terminal of the provider so that the transferor of the long-term product is changed from the transferor to the transferee.

The step of registering the long-term product in the transfer list includes checking whether the long-term product is currently on sale; generating a first weight by comparing contract conditions of the long-term product with contract conditions of the currently-sold long-term product when the long-term product is a long-term product currently on sale; If the long-term product is not a long-term product currently on sale, acquiring information on a similar long-term product similar to the long-term product, and generating a second weight by comparing contract conditions of the long-term product with contract conditions of the similar long-term product. ; generating a score of the long-term product by applying the first weight and the second weight; and sorting and displaying the transfer list according to the score of the long-term product, wherein the first weight is less than the second weight, and the initial price is the amount received when the transferor cancels the long-term product early. The price is set higher than the amount, the expiration date of the long-term product is obtained from the contract information of the long-term product, and if the long-term product is a refund-type product, the shorter the expiration date, the higher the initial price, but according to the refunded amount When the initial price is set and the long-term product is not a refund-type product, the initial price is set lower as the expiration date is shorter.

The step of confirming the transferee of the long-term product includes obtaining a transfer satisfactory price from the transferor; obtaining a bid price from a user who intends to take over the long-term product during a preset reference period; determining whether a bid price corresponding to the transfer satisfaction amount exists within the reference period; If a bid price corresponding to the transfer satisfactory amount is obtained within the reference period, a user who has offered a bid price corresponding to the transfer satisfactory amount is identified as the transferee, and a bid corresponding to the transfer satisfactory amount within the reference period determining the last bid price as the highest bid price, and identifying the user who offered the highest bid price as the assignee if the bid price was not obtained; When the transferee is identified, transmitting a successful bid completion message to the transferee's terminal and the transferor's terminal.

A method of providing a trading platform service for prepaid long-term products includes acquiring transferor personal information including age and gender of the transferor and transferor propensity information including the transferor's consumption pattern and lifestyle from the transferor's terminal; obtaining contract information of the long-term product transferred by the transferor; generating transferor transfer data information by analyzing the transferor's personal information, transferor propensity information, and long-term product contract information transferred by the transferor; obtaining transferee personal information and transferee propensity information from the terminal of the transferee; obtaining contract information of the long-term product acquired by the transferee; generating transfer data information of the transferee by analyzing the transferee personal information, the transferee propensity information, and long-term product contract information acquired by the transferee; and obtaining personal information and propensity information of a person who intends to acquire or purchase a long-term product based on the transfer data information of the transferor and the transfer data information of the transferee, and recommending a long-term product corresponding to the personal information and propensity information. contains more

A method of providing a trading platform service for prepaid long-term products includes receiving a request for recommendation of a provider providing long-term products from a user's terminal; Further comprising transmitting a provider recommendation list to the terminal of the user, wherein the provider recommendation list is updated based on the number of transfers of long-term products corresponding to the provider, and the update is performed for a preset period of time corresponding to the provider. The number of transfers of the product is extracted, and information of the provider with the lowest number of transfers is located at the front of the provider recommendation list, and information of providers with the next lowest number of transfers is located at the front in order.

A method of providing a trading platform service for prepaid long-term products includes classifying into a first group product brokers whose experiences in brokering long-term product contracts are greater than a preset reference value; obtaining long-term product contract brokerage experience data of product brokers classified as the first group; generating contract durations from a contract start point to a contract completion point from the long-term product contract brokerage experience data; generating average contract durations corresponding to each of the product brokers classified into the first group based on the contract durations; If the average contract duration is shorter than a predefined critical period, increasing a weight for the contract duration among weights in criteria for matching the product broker in inverse proportion to the average contract duration; and recommending the product broker to a user who intends to contract a long-term product by applying the weight.

An apparatus according to an embodiment may be combined with hardware and controlled by a computer program stored in a medium to execute any one of the methods described above.

Embodiments may provide transaction brokerage of prepaid long-term products.

In the embodiments, a transfer list may be created by analyzing long-term products that the transferor wants to transfer and long-term products currently being sold, and the created transfer list may be registered and provided to the user.

In the embodiments, an initial price may be set by analyzing contract information of a long-term product to be transferred by a transferor.

In embodiments, a transferor may obtain a bid price of a long-term product to be transferred through an auction, and select an transferee based on the bid price.

On the other hand, the effects according to the embodiments are not limited to those mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the description below.

1 is a diagram schematically showing the configuration of a system according to an embodiment.
2 is a flowchart illustrating a process of providing a trading platform service for prepaid long-term products according to an embodiment.
3 is a flowchart illustrating a process of generating a transfer list according to an exemplary embodiment.
4 is a diagram for explaining a process of obtaining a bid price for a long-term product that a transferor intends to transfer and selecting an transferee based on the bid price, according to an embodiment.
5 is a flowchart illustrating a process of recommending a long-term product based on transfer data information of the transferor and transfer data information of the transferee according to an exemplary embodiment.
6 is a flowchart illustrating a process of arranging a provider recommendation list based on the number of transfers of long-term products according to an exemplary embodiment.
FIG. 7 is a flowchart illustrating a process of assigning weights to match a product broker with a short contract duration by analyzing the average contract duration of each carrier according to an embodiment.
8 is an exemplary diagram of a configuration of a device according to an embodiment.

Hereinafter, embodiments will be described in detail with reference to the accompanying drawings. However, since various changes can be made to the embodiments, the scope of the patent application is not limited or limited by these embodiments. It should be understood that all changes, equivalents or substitutes to the embodiments are included within the scope of rights.

Specific structural or functional descriptions of the embodiments are disclosed for illustrative purposes only, and may be modified and implemented in various forms. Therefore, the embodiments are not limited to the specific disclosed form, and the scope of the present specification includes changes, equivalents, or substitutes included in the technical spirit.

Although terms such as first or second may be used to describe various components, such terms should only be construed for the purpose of distinguishing one component from another. For example, a first element may be termed a second element, and similarly, a second element may be termed a first element.

It should be understood that when an element is referred to as being “connected” to another element, it may be directly connected or connected to the other element, but other elements may exist in the middle.

Terms used in the examples are used only for descriptive purposes and should not be construed as limiting. Singular expressions include plural expressions unless the context clearly dictates otherwise. In this specification, terms such as "include" or "have" are intended to designate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, but one or more other features It should be understood that the presence or addition of numbers, steps, operations, components, parts, or combinations thereof is not precluded.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by a person of ordinary skill in the art to which the embodiment belongs. Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the related art, and unless explicitly defined in the present application, they should not be interpreted in an ideal or excessively formal meaning. don't

In addition, in the description with reference to the accompanying drawings, the same reference numerals are given to the same components regardless of reference numerals, and overlapping descriptions thereof will be omitted. In describing the embodiment, if it is determined that a detailed description of a related known technology may unnecessarily obscure the gist of the embodiment, the detailed description will be omitted.

The embodiments may be implemented in various types of products such as personal computers, laptop computers, tablet computers, smart phones, televisions, smart home appliances, intelligent vehicles, kiosks, and wearable devices.
1. Assignment number (identification code):20064814
2. Professional institution: Institute for Startup & Entrepreneurship Development
3. Supervisor: Korea Angel Investment Association
4. Executing organization: Linkbin Co., Ltd.
5. Project name: TIPS (TIPS project for start-up growth technology development)
6. Title: Development of Big Tech Platform for automatic matching, name change and big data analysis based on transfer/acquisition based on multi-round/pricing method Auction system for prepaid long-term products
7. Assignment base year: 2022-05-25 ~ 2023-01-25 (agreement period)

1 is a diagram schematically showing the configuration of a system according to an embodiment.

Referring to FIG. 1 , a system according to an embodiment may include a transferor's terminal 100, an transferee's terminal 110, and a device 200 capable of communicating with each other through a communication network.

First, a communication network may be configured regardless of its communication mode, such as wired or wireless, and may be implemented in various forms so that communication between servers and communication between servers and terminals is performed.

The transferor's terminal 100 is a terminal used by the transferor who wants to transfer the prepaid long-term product owned by the transferor, and may be a desktop computer, a laptop computer, a tablet computer, a smart phone, or the like.

The terminal 110 of the transferee is a terminal used by the transferee who wants to transfer the prepaid long-term product, and may be a desktop computer, a laptop computer, a tablet computer, a smart phone, and the like.

The terminal 300 of the provider is a terminal used by a provider that provides and sells prepaid long-term products, and may be a desktop computer, a laptop computer, a tablet computer, a smart phone, and the like. In this case, the provider may be a seller of prepaid long-term products.

Each of the transferor's terminal 100, the transferee's terminal 110, and the provider's terminal 300 may be configured to perform all or part of the arithmetic function, storage/reference function, input/output function, and control function of a normal computer. . The transferor's terminal 100, the transferee's terminal 110, and the provider's terminal 300 may be configured to communicate with the device 200 in a wired or wireless manner.

Each of the transferor's terminal 100, the transferee's terminal 110, and the provider's terminal 300 uses the device 200 to access a website operated by a person or organization that provides a service, or uses the device 200. Applications developed and distributed by the person or organization that provides the service using the service may be installed. Each of the transferor's terminal 100, the transferee's terminal 110, and the provider's terminal 300 may be linked with the device 200 through a website or application.

Hereinafter, for convenience of description, only one terminal 100 of the transferor, terminal 110 of the transferee, and terminal 300 of the provider are shown in FIG. 1 and the following description, but the number of terminals may vary depending on the embodiment. can As long as the processing capacity of the device 200 allows, the number of terminals is not particularly limited.

The device 200 may be a server owned by a person or organization that provides services using the device 200, may be a cloud server, or may be a peer-to-peer (p2p) set of distributed nodes. may be The device 200 may be configured to perform all or some of the arithmetic function, storage/reference function, input/output function, and control function of a normal computer. The device 200 may include at least one artificial neural network that performs an inference function. The device 200 may be configured to communicate with the transferor's terminal 100, the transferee's terminal 110, and the provider's terminal 300 through wired or wireless communication.

The device 200 acquires product information on the long-term product that the transferor wants to transfer from the transferor's terminal 100, acquires contract information on the long-term product from the terminal 300 of the provider providing the long-term product, and obtains the product information Based on the contract information and contract information, it is confirmed whether the contractee of the long-term product is the transferor, whether the long-term product is transferable, and whether the transaction of the long-term product is possible, and if it is confirmed that the transaction of the long-term product is possible, the initial price of the long-term product set, transmits the initial price to the transferor's terminal 100, confirms whether to transfer the long-term product, matches the initial price of the long-term product with information on the long-term product based on the input that the long-term product is transferred, Registering in the transfer list, confirming the transferee of the long-term product, obtaining transferee information from the transferee's terminal 110, and transmitting the long-term product transaction details to the provider's terminal so that the long-term product contract holder is changed from the transferor to the transferee. there is.

2 is a flowchart illustrating a process of providing a trading platform service for prepaid long-term products according to an embodiment.

Referring to FIG. 2 , first, in step S201 , the device 200 may obtain product information on a long-term product that the transferor intends to transfer from the transferor's terminal.

Here, a long-term product is a product that combines financial and non-financial real service transactions. Specifically, a consumer who purchases a long-term product agrees to receive a certain service, pays a certain amount of monthly membership fee to the provider for a certain period of time, and pays the membership fee If the consumer needs the service in the state of full payment, if the consumer requests the service from the provider, the provider will provide the service to the consumer according to the request, and if the consumer needs the service with the membership fee not paid in full It is a prepaid long-term product that allows the provider to pay the remaining membership fee and receive the service.

Specifically, if it is determined that the transferor does not need the long-term product, the device 200 may acquire product information on the long-term product that the transferor wants to transfer from the transferor's terminal 100, and the product information on the long-term product is The name of the long-term product, deduction number, name of the provider providing the long-term product, phone number of the provider, information of the transferor, etc. may be included.

In step S202, the device 200 may acquire contract information of the long-term product from the terminal 300 of the provider providing the long-term product.

Specifically, the device 200 may acquire a provider providing the long-term product based on product information on the long-term product acquired from the transferor, and obtain information about the long-term product that the transferor intends to transfer from the terminal 300 of the provider. Contract information can be obtained, and the contract information of the long-term product includes the name of the long-term product, the contract conditions of the long-term product, and the name of the contractor, the gender of the contractor, the age of the contractor, the date of entry of the contractor, and the contractor's payment amount. can include

In step S203, the device 200 may check whether the long-term product contract holder is the transferor based on the product information and the contract information, and check whether the long-term product transaction is possible by confirming whether the long-term product transaction is possible.

That is, the device 200 compares the product information acquired from the transferor's terminal 100 with the long-term product contract information obtained from the provider's terminal 300, and can confirm whether the contractee of the long-term product is the transferor. Through the contract conditions included in the contract information of the long-term product, it is possible to check whether the long-term product transaction is possible by checking whether the long-term product is transferable.

In step S204, the device 200 may set an initial price of the long-term product when it is confirmed that trading of the long-term product is possible.

Specifically, when it is confirmed that long-term product transactions are possible, the device 200 may set the initial price of the long-term product based on product information and contract information, and the initial price of the long-term product is determined by the transferor canceling the long-term product early. In the case of a long-term product, the expiration date of the long-term product is obtained from the contract information of the long-term product. If the long-term product is a refund-type product, the shorter the expiration date, the higher the initial price, but the initial price according to the refunded amount. is set, and if the long-term product is not a refund-type product, the shorter the expiration date, the lower the initial price.

In step S205, the device 200 may transmit an initial price to the transferor's terminal 100 to confirm whether to transfer the long-term product.

In step S206, the device 200 may register the long-term product in the transfer list by matching the initial price of the long-term product with information on the long-term product based on an input indicating that the long-term product is transferred.

Specifically, when an input indicating that the long-term product is to be transferred is received from the transferor's terminal 100, the device 200 may register the long-term product in the transfer list by matching the initial price of the long-term product with information on the long-term product. A detailed description related to the transfer list will be given with reference to FIG. 3 .

In step S207, the device 200 may confirm the transferee of the long-term product.

Specifically, the device 200 may obtain a bid price corresponding to the long-term product from the user during a preset reference period of the long-term product, and select and confirm a transferee according to the obtained bid price. A detailed description of identifying the transferee of the long-term product will be given with reference to FIG. 4 .

In step S208, the device 200 may acquire information of the assignee from the terminal 110 of the assignee. Here, the transferee information may include the transferee's name, the transferee's phone number, the transferee's date of birth, the transferee's resident registration number, and the transferee's account.

In step S209, the device 200 may transmit transaction details of the long-term product to the terminal 300 of the provider so that the contract holder of the long-term product is changed from the transferor to the transferee.

Specifically, when the transferee of the long-term product that the transferor intends to transfer is confirmed, the device 200 obtains transferee information from the transferee, and transfers the long-term product transaction details including the long-term product information, the transferor information, and the transferee information to the provider. By transmitting to the terminal 300, the contract holder of the long-term product can be changed from the transferor to the transferee.

3 is a flowchart illustrating a process of generating a transfer list according to an exemplary embodiment.

Referring to FIG. 3 , first, in step S301, the device 200 may check whether the long-term product that the transferor intends to transfer is a long-term product that is currently being sold.

Specifically, the device 200 may obtain a provider providing the long-term product through product information of the long-term product that the transferor wants to transfer, and based on the long-term product that the provider is currently selling, the long-term product the transferor wants to transfer. You can check whether the product is a long-term product currently on sale.

In step S301, if the long-term product that the transferor wants to transfer is a long-term product that is currently being sold, in step S302, the device 200 compares the contract conditions of the long-term product that the transferor wants to transfer with the contract conditions of the long-term product that is currently being sold. A first weight may be generated.

Specifically, when the long-term product that the transferor wants to transfer is a long-term product that is currently being sold, the device 200 may extract the contract conditions included in the contract information of the long-term product that the transferor wants to transfer obtained from the terminal of the provider. You can acquire the contract terms of long-term products currently on sale. In addition, the apparatus 200 may generate a first weight by comparing contract terms of the extracted long-term product that the transferor intends to transfer with contract terms of the acquired long-term product currently on sale.

For example, if the long-term product that the transferor wants to transfer has a larger refund amount than the long-term product that is currently being sold, contracts of more diverse age groups are possible, and other contract conditions are identical, the device 200 It is determined that the contract conditions of the long-term product are better than the contract conditions of the long-term product currently being sold, and the first weight may be created as 5 points.

When all contract conditions of the long-term product that the transferor intends to transfer and the long-term product currently being sold are identical, the device 200 determines that the contract conditions of the long-term product that the transferor intends to transfer are the same as those of the long-term product currently being sold. The first weight may be generated as 3 points.

In addition, if the refund amount of the long-term product currently being sold is greater than that of the long-term product that the transferor wants to transfer, an additional gift is provided at the time of the contract, and other contract conditions are identical, the device 200 operates the long-term product that the transferor wants to transfer. It is determined that the contract terms of the product are not better than the contract terms of the long-term product currently being sold, and the first weight may be set to 0 points.

In step S301, if the long-term product that the transferor wants to transfer is not a long-term product currently on sale, in step S303, the device 200 obtains information on the long-term product similar to the long-term product that the transferor wants to transfer, and A second weight may be generated by comparing contract terms of a long-term product with contract terms of a similar long-term product. In this case, the similar long-term product is a long-term product that is currently being sold and is similar to the long-term product that the transferor intends to transfer. In addition, the second weight may be set higher than the first weight. Since products with better contract conditions and benefits are sold only for a shorter period of time, when the long-term product that the transferor wants to transfer is not a long-term product currently being sold, the contract condition It is determined that the product has good benefits and a higher weight can be assigned.

Specifically, if the long-term product that the transferor wants to transfer is not a long-term product that is currently on sale, the device 200 may acquire a long-term product similar to the contract information of the long-term product that the transferor wants to transfer, and the similar long-term product contract conditions can be obtained. In addition, the device 200 may generate a second weight by comparing contract conditions included in contract information of a long-term product to be transferred by the transferor with contract conditions of a similar long-term product.

For example, if the long-term product that the transferor wants to transfer has a larger refund amount than similar long-term products, contracts are available for a wider range of age groups, and other contract conditions are identical, the device 200 operates the long-term product that the transferor wants to transfer. The second weight may be created as 10 points by determining that the contract conditions of are better than those of similar long-term products.

When all contract conditions of the long-term product that the transferor intends to transfer and the similar long-term product are identical, the device 200 determines that the contract conditions of the long-term product that the transferor intends to transfer are the same as those of the similar long-term product, and calculates the second weight. Can be created for 5 points.

In addition, when a similar long-term product has a larger refund amount than the long-term product that the transferor wants to transfer, an additional gift is provided at the time of the contract, and other contract conditions are identical, the device 200 operates the contract of the long-term product that the transferor wants to transfer. The first weight may be set to 2 points by determining that the conditions are not better than the contract conditions of the similar long-term product.

In step S304, the apparatus 200 may generate a score of the long-term product by applying the first weight and the second weight.

That is, the device 200 may generate a higher score for a long-term product when the long-term product that the transferor wants to transfer is not the currently sold long-term product, and the contract condition is better than the currently sold long-term product or a similar product currently on sale. The higher the score of the long-term product, the higher the score can be generated.

In step S305, the device 200 may sort and display the transfer list according to the score of the long-term product.

Specifically, the device 200 may arrange and display long-term products with higher scores so that they are positioned at the front of the transfer list.

4 is a diagram for explaining a process of obtaining a bid price for a long-term product that a transferor intends to transfer and selecting an transferee based on the bid price, according to an embodiment.

Referring to FIG. 4 , first, in step S401 , the device 200 may obtain a transfer satisfaction price from the transferor. Here, the transfer satisfactory price refers to the target price of the long-term product desired by the transferor at a price higher than the initial price of the long-term product, that is, the price at which the transferor can be satisfied.

In step S402, the device 200 may obtain a bid price from a user who intends to transfer a long-term product during a preset reference period. Here, users may include both transferees and transferees, and include users who want to acquire/transfer long-term products through a trading platform for prepaid long-term products and users who want to obtain information on long-term products. In addition, the preset reference period is a preset value and may vary according to embodiments.

Specifically, the device 200 may acquire a bid price from a user who wants to transfer a long-term product during a preset reference period. The device 200 uploads information and an initial price of the long-term product so that users can determine the initial price. In addition, when a bid price is input by the user, the corresponding bid price may be updated and provided to users. Therefore, the user who made the first bid can bid with a higher bid price than the initial price, and the users who bid next can bid with a higher bid price than the previous bid price.

In step S403, the device 200 may determine whether a bid price corresponding to the transfer satisfaction amount exists within the reference period.

When the bid price corresponding to the transfer satisfactory amount is acquired within the reference period in step S403, the device 200 may identify the user who has offered the bid price corresponding to the transfer satisfactory amount as the transferee in step S404.

For example, if the reference period is 10:00 am to 16:00 pm, the initial amount is 5,000,000 won, the transfer satisfaction amount is 7,000,000 won, and the first user bids 7,000,000 won at 15:00 pm, the device 200 It is determined that the bid price corresponding to the transfer satisfactory amount has been obtained within the reference period, and the first user who has presented 7,000,000 won corresponding to the transfer satisfactory amount may be identified as the transferee.

In step S403, if the bid price corresponding to the transfer satisfactory amount is not obtained within the reference period, in step S405, the device 200 determines the last bid price as the highest bid price, and the user who has offered the highest bid price is designated as the transferee. You can check.

For example, if the base period is 10:00 am to 16:00 pm, the initial amount is 5,000,000 won, the transfer satisfaction amount is 7,000,000 won, and the second user bids 6,500,000 won as the last bid price at 15:58 pm. , The device 200 determines that it has not obtained a bid price corresponding to the transfer satisfaction amount within the reference period, determines the last bid price of 6,500,000 won as the highest bid price, and identifies the second user who offered 6,500,000 won as the transferee. can

In step S406, when the transferee is confirmed, the device 200 may transmit a successful bid completion message to the terminal 110 of the transferee and the terminal 100 of the transferor.

Specifically, when the transferee is confirmed, the device 200 may transmit a successful bid completion message to the transferee's terminal 110 and the transferor's terminal 100, and may request documents for changing the contract holder of the long-term product.

5 is a flowchart illustrating a process of recommending a long-term product based on transfer data information of the transferor and transfer data information of the transferee according to an exemplary embodiment.

Referring to FIG. 5 , first, in step S501 , the device 200 may obtain personal information of the transferor including age and gender of the transferor from the terminal 100 of the transferor.

In step S502 , the device 200 may acquire transferor propensity information including the transferor's consumption pattern and lifestyle from the transferor's terminal 100 .

In step S503, the device 200 may obtain contract information of the long-term product transferred by the transferor.

In step S504, the device 200 may generate transferor transfer data information by analyzing transferor personal information, transferor propensity information, and contract information of a long-term product transferred by the transferor.

Specifically, the device 200 may analyze transferor personal information, transferor propensity information, and contract information of long-term products transferred by the transferor to analyze contract information of long-term products that have been transferred a lot according to age groups, and that have been transferred a lot according to gender. You can analyze the contract information of one long-term product, and you can analyze the contract information of a long-term product that has been transferred a lot according to your propensity.

That is, the device 200 analyzes transferor's personal information, transferor's propensity information, and contract information of the long-term product transferred by the transferor, and contract terms unsuitable for age, contract conditions unsuitable for gender, and contract conditions unsuitable for disposition. may be analyzed and generated as transfer data information of the transferor.

In step S505, the device 200 may obtain personal information of the assignee including age and gender of the assignee from the terminal 110 of the assignee.

In step S506, the device 200 may obtain transferee propensity information including the transferee's consumption pattern and lifestyle from the terminal 110 of the transferee.

In step S507, the device 200 may obtain contract information of the long-term product transferred by the transferee.

In step S508, the device 200 may generate transferee transfer data information by analyzing transferee personal information, transferee propensity information, and contract information of a long-term product transferred by the transferee.

Specifically, the device 200 may analyze contract information of long-term products acquired by the transferee by analyzing transferee personal information, transferee propensity information, and contract information of long-term products acquired by the transferee, and contract information of the long-term products transferred a lot according to gender. You can analyze the contract information of one long-term product, and you can analyze the contract information of many acquired long-term products according to your propensity.

That is, the device 200 analyzes the transferee's personal information, the transferee's propensity information, and the contract information of the long-term product transferred by the transferee to analyze the contract conditions appropriate for the age, the contract conditions appropriate for the gender, and the contract conditions suitable for the propensity to analyze the transferee's transfer data. information can be created.

In step S509, the device 200 acquires personal information and propensity information of a person who intends to acquire or purchase an organ product based on the transferor transfer data information and the transferee transfer data information, and acquires the organ corresponding to the personal information and propensity information. Can recommend products.

Specifically, the device 200 may acquire contract conditions that are not suitable for a person who wants to acquire or purchase a long-term product based on the transfer data information of the transferor, and based on the transfer data information of the transferee, acquire or acquire the long-term product. You can obtain the contract conditions suitable for the person who wants to buy. In addition, the apparatus 200 may recommend a long-term product corresponding to personal information and propensity information of a person who intends to acquire or purchase a long-term product by analyzing the acquired contract conditions.

6 is a flowchart illustrating a process of arranging a provider recommendation list based on the number of transfers of long-term products according to an exemplary embodiment.

Referring to FIG. 6 , first, in step S601, the device 200 may receive a request for recommendation of a provider providing long-term products from a user's terminal. Here, the user's terminal is a terminal possessed by a user who wants to acquire/transfer long-term products through a prepaid long-term product trading platform, including transferees and transferors, or a user who wants to obtain information on long-term products.

In step S602, the device 200 may check the number of transfers of the long-term product corresponding to the provider during the preset period. Here, the setting period is a preset value and may vary according to embodiments.

For example, when providers providing long-term products include a first provider, a second provider, a third provider, a fourth provider, and a fifth provider, the device 200 provides long-term products corresponding to the providers for a preset period of time. The number of transfers of long-term products corresponding to the first provider is 50 times, the number of transfers of long-term products corresponding to the second provider is 30 times, the number of transfers of long-term products corresponding to the third provider is 70 times, It is possible to confirm that the number of transfers of long-term products corresponding to the fourth provider is 60 times and the number of transfers of long-term products corresponding to the fifth provider is 25 times.

In step S603, the apparatus 200 may set information of a provider with the least number of transfers to be displayed at the front of the provider recommendation list.

For example, the number of transfers of long-term products corresponding to a first provider is 50 times, the number of transfers of long-term products corresponding to a second provider is 30 times, the number of transfers of long-term products corresponding to a third provider is 70 times, and the number of transfers of long-term products corresponding to a third provider is 70 times. If the number of transfers of long-term products corresponding to 4 providers is 60 times and the number of transfers of long-term products corresponding to the fifth provider is 25 times, the device 200 determines that the information of the fifth provider with the least number of transfers is included in the list of recommended providers. It can be set to be displayed at the front, and the information of the third-party provider with the highest number of transfers can be set to be displayed at the end of the provider recommendation list.

In step S604, the device 200 may transmit the generated provider recommendation list to the user's terminal.

That is, the device 200 may determine the number of transfers of long-term products corresponding to the providers and sort the provider recommendation list according to the number of transfers, thereby matching long-term products suitable for the user from the providers and inducing the transfer to be reduced. It works.

FIG. 7 is a flowchart illustrating a process of assigning weights to match a product broker with a short contract duration by analyzing the average contract duration of each carrier according to an embodiment.

Referring to FIG. 7 , in step S701 , the apparatus 200 may classify product brokers whose experiences in brokering long-term product contracts are greater than a preset reference value into a first group.

In step S702 , the apparatus 200 may acquire long-term product contract brokerage experience data of product brokers classified as the first group.

That is, the apparatus 200 may obtain contract brokerage experience data of product brokers classified as the first group. Here, the contract brokerage experience data of commodity brokers is contract brokerage experience data related to contract brokerage, such as how many contract brokerages were brokered and how long it took from the start of contract brokerage to the end of contract brokerage.

In step S703, the apparatus 200 may generate contract durations from the contract start time to the contract completion time in the contract brokerage experience data of product brokers.

That is, the apparatus 200 may generate contract durations from the contract start point when a consumer requests for long-term product contract brokerage to the contract completion point when long-term product contract brokerage is completed in the contract brokerage experience data of product brokers.

For example, as a result of checking the contract brokerage experience data of the first product broker, a product broker classified as the first group, it was found that a request for long-term product contract brokerage was received on July 1st and the date the long-term product contract was completed was July In the case of 6 days, the device 200 may create a contract period of 6 days.

In step S704 , the apparatus 200 may generate average contract durations corresponding to each of the product brokers classified into the first group, based on the contract durations.

Specifically, the apparatus 200 may extract contract durations of product brokers classified as the first group, and generate an average contract duration by calculating an average of contract durations for each product broker.

For example, as a result of checking the contract durations of the first product brokers, which are product brokers classified as the first group, if they are 6 days, 3 days, and 9 days, respectively, the device 200 calculates the average contract duration of the first product brokers. Can be created in 6 days.

In step S705, if the average contract duration is shorter than the predefined critical period, the device 200 may increase the weight for the contract duration in inverse proportion to the average contract duration among the weights in the criteria for matching product brokers. there is.

Specifically, the apparatus 200 generates average contract durations of product brokers classified as the first group, extracts product brokers whose generated average contract durations are shorter than a predefined critical period, and selects products of the corresponding product brokers. Among the weights in the criteria for matching brokers, the weight for the contract duration can be increased in inverse proportion to the average contract duration.

For example, the average contract duration of Product Brokers 1, the product brokers classified as Group 1, is 6 days, the average contract duration of Product Brokers 2 is 9 days, and the average contract duration of Product Brokers 3 is is 4 days, the average contract duration of the fourth commodity broker is 12 days, and the predefined critical period is 10 days, the device 200 determines that the average contract duration of the fourth commodity broker is 12 days, which is the critical period. Since it is longer than 10 days, no weight is given for the required period, 6 points are given to the first product broker, 4 points are given to the second product broker, and 3 A broker can be given a weight of 9 points for the required period.

In step S706, the device 30 may recommend a product broker to a user who intends to contract a long-term product by applying a weight.

8 is an exemplary diagram of a configuration of a device according to an embodiment.

Device 200 according to an embodiment includes a processor 210 and a memory 220 . The processor 210 may include at least one device described above with reference to FIGS. 1 to 7 or may perform at least one method described above with reference to FIGS. 1 to 7 . Individuals or organizations using the device 200 may provide services related to some or all of the methods described above with reference to FIGS. 1 to 7 .

The memory 220 may store information related to the methods described above or may store a program in which the methods described below are implemented. Memory 220 may be volatile memory or non-volatile memory.

The processor 210 may execute a program and control the device 200 . Program codes executed by the processor 210 may be stored in the memory 220 . The device 200 may be connected to an external device (eg, a personal computer or network) through an input/output device (not shown) and exchange data through wired/wireless communication.

Apparatus 200 may be used to train an artificial neural network or to use a trained artificial neural network. The memory 220 may include a learning or learned artificial neural network. The processor 210 may learn or execute an artificial neural network algorithm stored in the memory 220 . The device 200 for learning the artificial neural network and the device 200 using the learned artificial neural network may be the same or separate.

The embodiments described above may be implemented as hardware components, software components, and/or a combination of hardware components and software components. For example, the devices, methods and components described in the embodiments may include, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate (FPGA). array), programmable logic units (PLUs), microprocessors, or any other device capable of executing and responding to instructions. A processing device may run an operating system (OS) and one or more software applications running on the operating system. A processing device may also access, store, manipulate, process, and generate data in response to execution of software. For convenience of understanding, there are cases in which one processing device is used, but those skilled in the art will understand that the processing device includes a plurality of processing elements and/or a plurality of types of processing elements. It can be seen that it can include. For example, a processing device may include a plurality of processors or a processor and a controller. Other processing configurations are also possible, such as parallel processors.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program commands recorded on the medium may be specially designed and configured for the embodiment or may be known and usable to those skilled in computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic media such as floptical disks. - includes hardware devices specially configured to store and execute program instructions, such as magneto-optical media, and ROM, RAM, flash memory, and the like. Examples of program instructions include high-level language codes that can be executed by a computer using an interpreter, as well as machine language codes such as those produced by a compiler. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

Software may include a computer program, code, instructions, or a combination of one or more of the foregoing, which configures a processing device to operate as desired or processes independently or collectively. The device can be commanded. Software and/or data may be any tangible machine, component, physical device, virtual equipment, computer storage medium or device, intended to be interpreted by or provide instructions or data to a processing device. , or may be permanently or temporarily embodied in a transmitted signal wave. The software may be distributed on networked computer systems and stored or executed in a distributed manner. Software and data may be stored on one or more computer readable media.

As described above, although the embodiments have been described with limited drawings, those skilled in the art can apply various technical modifications and variations based on the above. For example, the described techniques may be performed in an order different from the method described, and/or components of the described system, structure, device, circuit, etc. may be combined or combined in a different form than the method described, or other components may be used. Or even if it is replaced or substituted by equivalents, appropriate results can be achieved.

Therefore, other implementations, other embodiments, and equivalents of the claims are within the scope of the following claims.

Claims (3)

In the method of providing a trading platform service for prepaid long-term products, performed by the device,
obtaining product information on a long-term product that the transferor intends to transfer from the transferor's terminal;
obtaining contract information of the long-term product from a terminal of a provider providing the long-term product;
Based on the product information and the contract information, confirming whether the transferor of the long-term product is the same as the transferor, and confirming whether the long-term product is transferable, thereby confirming whether trading of the long-term product is possible;
setting an initial price of the long-term product when it is confirmed that the transaction of the long-term product is possible;
transmitting the initial price to the transferor's terminal and confirming whether to transfer the long-term product;
registering the long-term product in a transfer list by matching an initial price of the long-term product with information on the long-term product, based on an input indicating that the long-term product is transferred;
confirming the transferee of the long-term product;
obtaining transferee information from a terminal of the transferee; and
Transmitting transaction details of the long-term product to a terminal of the provider so that the long-term product contractee is changed from the transferor to the transferee;
Further comprising the step of recommending a long-term product corresponding to the personal information and propensity information of the transferee who wants to acquire or purchase the long-term product;
The step of registering the long-term product in the transfer list
checking whether the long-term product is currently on sale;
generating a first weight by comparing contract conditions of the long-term product with contract conditions of the currently-sold long-term product when the long-term product is a long-term product currently on sale;
If the long-term product is not a long-term product currently on sale, acquiring information on a similar long-term product similar to the long-term product, and generating a second weight by comparing contract conditions of the long-term product with contract conditions of the similar long-term product. ;
generating a score of the long-term product by applying the first weight and the second weight; and
Including; sorting and displaying the transfer list according to the score of the long-term product;
The first weight is less than the second weight,
The initial price is
It is set at a higher price than the amount received when the transferor cancels the long-term product in the middle;
obtaining an expiration date of the long-term product from contract information of the long-term product;
If the long-term product is a refund-type product, the initial price is set higher as the expiration date is shorter, but the initial price is set according to the amount to be refunded;
If the long-term product is not a refund-type product, the initial price is set lower as the expiration date is shorter;
The step of confirming the transferee of the long-term product,
acquiring a transfer satisfaction price from the transferor's terminal;
obtaining a bid price from a user who intends to take over the long-term product during a preset reference period;
determining whether a bid price corresponding to the transfer satisfaction amount exists within the reference period;
If a bid price corresponding to the transfer satisfactory amount is obtained within the reference period, a user who has offered a bid price corresponding to the transfer satisfactory amount is identified as the transferee, and a bid corresponding to the transfer satisfactory amount within the reference period determining the last bid price as the highest bid price, and identifying the user who offered the highest bid price as the assignee if the bid price was not obtained;
When the transferee is confirmed, transmitting a successful bid completion message to the transferee's terminal and the transferor's terminal,
The step of recommending a long-term product corresponding to the personal information and propensity information of the transferee who wants to acquire or purchase a long-term product is
acquiring personal information of the transferor including the transferor's age and gender and transferor propensity information including the transferor's consumption pattern and lifestyle from the transferor's terminal;
obtaining contract information of the long-term product transferred by the transferor;
generating transferor transfer data information by analyzing the transferor's personal information, transferor propensity information, and long-term product contract information transferred by the transferor;
obtaining transferee personal information and transferee propensity information from the terminal of the transferee;
obtaining contract information of the long-term product acquired by the transferee;
generating transfer data information of the transferee by analyzing the transferee personal information, the transferee propensity information, and long-term product contract information acquired by the transferee;
obtaining personal information and propensity information of the first assignee from the terminal of the first assignee; and
Based on the transferr transfer data information and the transferee transfer data information, recommending a long-term product corresponding to the personal information and propensity information of the first transferee.
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