KR102453977B1 - Method for collecting and processing supply chain data and apparatus for performing the method - Google Patents

Abstract

The present invention relates to a method for collecting and processing the supply chain data and a device for performing the method. The method for collecting and processing the supply chain data comprises: a step of collecting, by a supply chain data collection part, the supply chain data; and a step of generating, by the supply chain data processing part, the financial service reference data for a seller based on the supply chain data, wherein the financial service reference data may be generated based on the supply chain data for the seller, a seller group, and a product or product group. Therefore, the present invention is capable of providing, to the seller, a better condition.

Description

Method for collecting and processing supply chain data and apparatus for performing the method

The present invention relates to a method for collecting and processing supply chain data and an apparatus for performing such method. More particularly, it relates to a supply chain data collection and processing method for providing financial services based on data generated on the supply chain, and an apparatus for performing such a method.

The global economic system is gradually changing from an offline economy to an online economy. The Korean market is no exception, and the e-commerce market is expected to reach 160 trillion won in 2020 and is growing by more than 20% every year. Sellers (or sellers) who sell goods in the e-commerce market have a business cycle in which goods are purchased, stored in warehouses, and then supplied to customers through delivery companies when an order is placed. The demand for funds is a structure that occurs moment-to-moment across the entire supply chain, but at present, financial services considering the supply chain are not being provided. Even if financial services are provided in consideration of the supply chain, trade receivables, a part that can be secured as collateral on a very small part of the supply chain, are being supplied in a limited range in the range of transfer.

Therefore, current sellers are provided with financial services based on information rather than data on the supply chain. Sole proprietors are provided with financial services based on personal income and debt and credit information with overdue records. Alternatively, if a corporation is not at the level of a listed company or an externally audited corporation, it is provided with financial services depending on VAT and accounting information. The current financial service provision method has limitations in meeting the various financial demands that arise in the course of business operation of sellers. Therefore, financial targeting of sellers in the e-commerce market by considering numerous data on the supply chain, such as the sellers' product purchases, inventory retention period, sales turnover, return information, and the number of e-commerce transactions created on the supply chain There is a need for research on methods for providing services.
As prior art, Japanese Patent Application Laid-Open No. 10-2002-0001963 (Jan. 2002.01.09), Japanese Patent Application Laid-Open No. 2006-072404 (March 16, 2006), Japanese Patent Publication No. 2015-528946 (October 1, 2015) .) and Japanese Patent Publication No. 6836403 (2021.03.03.) exist.

An object of the present invention is to solve all of the above problems.

Another object of the present invention is to provide various financial services to sellers based on supply chain data generated on the supply chain.

Another object of the present invention is to provide sellers with more diverse financial services under better conditions in consideration of the characteristics of sellers, seller groups, products, and product groups based on supply chain data generated on the supply chain.

A representative configuration of the present invention for achieving the above object is as follows.

According to an embodiment of the present invention, a method for collecting and processing supply chain data includes: a supply chain data collection unit collecting supply chain data; a supply chain data processing unit financial service reference data for a seller based on the supply chain data based on the supply chain data The method may include generating a , wherein the financial service reference data may be generated based on the supply chain data for the seller, the seller group, the product or the product group.

Meanwhile, the supply chain data includes first supply chain data, second supply chain data, and third supply chain data, and the first supply chain data is data generated when the product is produced, manufactured or purchased, and the first supply chain data is The second supply chain data is data generated when a warehouse service or a fulfillment service is provided for the product, the third supply chain data is data generated when a distribution service is provided for the product, and the first supply chain data, the second supply chain data, and the third supply chain data are each classified for the seller, the seller group, the product or the product group, and each of the seller, the seller group, the product or the product group A seller sales rate, a seller group sales rate, a product sales rate, and a product group sales rate may be determined based on the conversion of the first supply chain data, the second supply chain data, and the third supply chain data.

In addition, the supply chain data processing unit includes a data classification unit and a data filtering unit, the data classification unit is implemented to classify the supply chain data based on each of a seller, a seller group, a product, and a product group, and the data filtering unit It may be implemented to generate the financial service reference data by filtering the supply chain data based on each of the seller, the seller group, the product, and the product group.

According to another embodiment of the present invention, a supply chain data management apparatus includes a supply chain data collection unit implemented to collect supply chain data and a supply implemented to generate financial service reference data for a seller based on the supply chain data. A chain data processing unit, wherein the financial service reference data may be generated based on the supply chain data for the seller, the seller group, the product or the product group.

Meanwhile, the supply chain data includes first supply chain data, second supply chain data, and third supply chain data, and the first supply chain data is data generated when the product is produced, manufactured or purchased, and the first supply chain data is The second supply chain data is data generated when a warehouse service or a fulfillment service is provided for the product, the third supply chain data is data generated when a distribution service is provided for the product, and the first supply chain data, the second supply chain data, and the third supply chain data are each classified for the seller, the seller group, the product or the product group, and each of the seller, the seller group, the product or the product group A seller sales rate, a seller group sales rate, a product sales rate, and a product group sales rate may be determined based on the conversion of the first supply chain data, the second supply chain data, and the third supply chain data.

In addition, the supply chain data processing unit includes a data classification unit and a data filtering unit, the data classification unit is implemented to classify the supply chain data based on each of a seller, a seller group, a product, and a product group, and the data filtering unit It may be implemented to generate the financial service reference data by filtering the supply chain data based on each of the seller, the seller group, the product, and the product group.

According to the present invention, various financial services can be provided to sellers based on supply chain data generated on the supply chain.

In addition, according to the present invention, a variety of financial services can be provided to the seller under better conditions in consideration of the characteristics of the seller, the seller group, the product, and the product group based on the supply chain data generated on the supply chain.

1 is a conceptual diagram illustrating a supply chain data management apparatus according to an embodiment of the present invention.
2 is a conceptual diagram illustrating an operation of a supply chain data collection unit according to an embodiment of the present invention.
3 is a conceptual diagram illustrating an operation of a supply chain data collection unit according to an embodiment of the present invention.
4 is a conceptual diagram illustrating an operation of a supply chain data processing unit according to an embodiment of the present invention.
5 is a conceptual diagram illustrating a method of generating financial service reference data according to an embodiment of the present invention.
6 is a conceptual diagram illustrating a method of generating financial service reference data according to an embodiment of the present invention.
7 is a conceptual diagram illustrating a method of generating financial service reference data according to an embodiment of the present invention.
8 is a conceptual diagram illustrating a method of generating financial service reference data according to an embodiment of the present invention.
9 is a conceptual diagram illustrating a method of generating financial service reference data according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0012] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0014] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0016] Reference is made to the accompanying drawings, which show by way of illustration specific embodiments in which the present invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the present invention. It should be understood that the various embodiments of the present invention are different but need not be mutually exclusive. For example, certain shapes, structures, and characteristics described herein may be implemented with changes from one embodiment to another without departing from the spirit and scope of the present invention. In addition, it should be understood that the location or arrangement of individual components within each embodiment may be changed without departing from the spirit and scope of the present invention. Accordingly, the detailed description given below is not to be taken in a limiting sense, and the scope of the present invention should be taken as encompassing the scope of the claims and all equivalents thereto. In the drawings, like reference numerals refer to the same or similar elements throughout the various aspects.

Hereinafter, various preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings in order to enable those of ordinary skill in the art to easily practice the present invention.

1 is a conceptual diagram illustrating a supply chain data management apparatus according to an embodiment of the present invention.

In FIG. 1, a supply chain data management apparatus for collection, processing and management of supply chain data generated on a supply chain is disclosed.

Referring to FIG. 1 , the supply chain data management apparatus may include a supply chain data collection unit 100 , a supply chain data processing unit 110 , a supply chain data management unit 120 , and a processor 130 .

The supply chain data collection unit 100 may be implemented to collect the supply chain data 150 generated on the supply chain. The supply chain data 150 may include data generated when the seller's product is produced, manufactured, or purchased, data generated when the product is stored as inventory in the distribution warehouse, data generated when the product on the distribution warehouse is distributed to the buyer, and the like. have.

Supply chain data can be classified differently depending on the data generator. The data generated when the product is produced, manufactured, or purchased for sale by the seller is the first supply chain data 160 , and the data generated when the product is stored as inventory in the distribution warehouse is the second supply chain data 170 , Data generated when a product is distributed to a buyer may be expressed in terms of the third supply chain data 180 . The supply chain data collection unit 100 may collect the first supply chain data 160 , the second supply chain data 170 , and the third supply chain data 180 .

The supply chain data collection unit 100 may collect the supply chain data 150 of each of the plurality of sellers. The supply chain data collection unit 100 may collect supply chain data 150 associated with each of a plurality of vendors when periodic/aperiodic or event occurrence.

In addition, the supply chain data collection unit 100 may collect external data for financial services. For example, collection of external data that may be collected outside the supply chain to provide financial services to sellers such as product price data, product evaluation data, etc. may also be performed.

The supply chain data processing unit 110 may be implemented for pre-processing the collected supply chain data 150 . The supply chain data processing unit 110 may be implemented to process the collected supply chain data 150 as financial service reference data 190 for financial services.

The supply chain data processing unit 110 may determine the financial service reference data 190 by filtering data usable for financial services among the supply chain data 150 . For example, the supply chain data processing unit 110 extracts the changed supply chain data 150 among the collected supply chain data 150 by primary filtering, and secondary filtering the changed supply chain data 150 to the seller's It is possible to determine financial service reference data 190 that may make a change to the financial service.

For example, when a product is sold among the supply chain data 150 and delivered to a buyer, a change may occur in the second supply chain data 160 , and based on the change in the second supply chain data 160 , The seller's loanable amount may increase or the seller's loan interest rate may decrease. Data that may change the financial service of the seller, such as the second supply chain data 160 , may be determined as the financial service reference data 190 . The financial service reference data 190 may be provided to a financial service device to be used by the financial service device to provide a financial service to a seller.

Also, the supply chain data processing unit 110 may classify the supply chain data 150 . The classified supply chain data 150 may be implemented to provide financial services to sellers. For example, by analyzing the supply chain data 150 generated in the seller category through categorization of sellers who sell similar products to classify the sellers, or by analyzing the product sales trend to provide differentiated finance service may be provided. The supply chain data 150 may also be provided to the financial service device as the financial service reference data 180 .

The supply chain data management unit 120 may be implemented to manage the supply chain data 150 . For example, the supply chain data management unit 120 may delete the supply chain data 150 that is not needed after a threshold validity period of the supply chain data 150 has passed. In addition, the supply chain data management unit 120 may be implemented to manage the collection of the supply chain data 150 . For example, the supply chain data management unit 120 collects the supply chain data 150 that determines whether an event occurs in the supply chain data 150 and changes in the supply chain data 150 for each seller, and the supply chain data 150 . management of the collection cycle of

The processor 130 may be implemented to control the operations of the supply chain data collection unit 100 , the supply chain data processing unit 110 , and the supply chain data management unit 120 .

2 is a conceptual diagram illustrating an operation of a supply chain data collection unit according to an embodiment of the present invention.

In FIG. 2, the operation of collecting supply chain data in the supply chain data collection unit is started.

Referring to FIG. 2 , the supply chain data collection unit 200 may be connected to a plurality of seller devices 220 , a plurality of distribution devices 260 , and a plurality of distribution devices 240 .

The seller device 220 may transmit the first supply chain data 225 generated when the seller's product is produced, manufactured, or purchased as a seller's device to the supply chain data collection unit 200 .

The logistics device 260 is a device of a subject that provides a logistics warehouse service or a fulfillment service, and collects the second supply chain data 265 generated when the logistics warehouse service or the fulfillment service is provided by the supply chain data collection unit. (200).

The distribution device 240 may transmit the third supply chain data 245 generated when a distribution service is provided to the supply chain data collection unit 200 as a device of a subject that distributes the seller's product to the buyer.

The first supply chain data 225 may include first identification data, second identification data, and product data.

The first identification data may include seller identification data for individually identifying the seller and seller group identification data for identifying a group of sellers. The seller group is a group including sellers, and the seller group may be determined based on seller characteristics, such as the seller's sales product, sales medium (online media, offline store for selling products), and sales size.

The second identification data may include product identification data for individually identifying a product and product group identification data for identifying a group of products. The product group is a group including sellers, and the product group may be determined based on a higher category of the product (eg, home appliances in the case of TV).

The product data may include data on products such as the number of products produced, manufactured, or purchased for sale by the seller, product cost, product selling price, and the like.

The second supply chain data 265 may be data obtained by adding logistics data to the first supply chain data 225 . The logistics data may include data related to logistics, such as warehouse location data, warehouse stocking time data, logistics warehouse delivery time data, and storage available period data at the warehouse. The second supply chain data 265 includes the first supply chain data 225 , and may include data on when a specific product was received in which warehouse and when it was released from the warehouse.

The third supply chain data 245 may be data obtained by adding distribution data to the second supply chain data 265 . The distribution data may include product distribution data, such as product sales point data, product packaging and product delivery time data, product return data, and the like.

Some data among the first supply chain data 225 , the second supply chain data 265 , and the third supply chain data 245 may be set to be generated after verification. In the case of the first supply chain data 225, since data distortion may occur by the seller receiving financial services, in the case of the first supply chain data 225, after verification of external data (external audit server) other than the seller It can also be set to be created.

3 is a conceptual diagram illustrating an operation of a supply chain data collection unit according to an embodiment of the present invention.

In FIG. 3, a method for collecting data of each of a plurality of sellers in a supply chain data collection unit is disclosed.

Referring to FIG. 3 , the supply chain data collection unit may collect first supply chain data 310 , second supply chain data 320 , and third supply chain data 330 when an event occurs.

When an event occurs in each of a plurality of seller devices, a plurality of distribution devices, and a plurality of distribution devices, the event is the first supply chain data 310 , the second supply chain data 320 , and the third supply chain data 330 . can create The generated first supply chain data 310 , second supply chain data 320 , and third supply chain data 330 may be transmitted to the supply chain data collection unit.

Based on each of the first supply chain data 310 , the second supply chain data 320 , and the third supply chain data 330 , current product status data (production, distribution, distribution) may be managed. The production state is the state in which the seller keeps the product before sending it to the mulleu warehouse, the logistics state is the state in which the goods are sent to the distribution warehouse by the seller, and the distribution state is the state in which the goods are sold and delivered to the buyer through the distribution channel. have. Although we use the term production, production may include the seller's act of preparing goods for sale, such as the seller's purchase of goods for sale.

When an event occurs, the supply chain data for the product may be updated. For example, when seller A produces product X with respect to product X of seller A, first supply chain data 310 for product X may be generated and transmitted to the supply chain data collection unit.

When the product X is sent to the distribution warehouse, the second supply chain data 320 for the product X in which the logistics data is added to the first supply chain data 310 for the product X is generated and delivered to the supply chain data collection unit. can

When product X is sold, third supply chain data 330 for product X in which distribution data is added to second supply chain data 320 for product X may be generated and transmitted to the supply chain data collection unit.

The supply chain data collection unit may collect supply chain data according to the occurrence of an event, but the supply chain data collection unit may collect supply chain data by receiving updates of supply chain data for each subject and product.

For supply chain data update by subject, a supply chain data update request is transmitted to a plurality of seller devices, a plurality of logistics devices, and a plurality of distribution devices connected to the supply chain, and a plurality of seller devices, a plurality of logistics devices, and a plurality of distribution devices Each may transmit the updated supply chain data to the supply chain data collection unit according to the supply chain data update request.

In addition, in order to update the supply chain data for a specific product, a supply chain data update request for each product based on product identification data may be transmitted to each of a plurality of seller devices, a plurality of logistics devices, and a plurality of distribution devices connected to the supply chain. In this case, when the current state of the product is the production state, a supply chain data update request may be made to the seller device, the distribution device, and the distribution device related to the product. When the current state of the product is a distribution state, an update request may be made to a distribution device and a distribution device related to the product. That is, the supply chain data update for a specific product is performed in consideration of the current state of the product, and a separate supply chain data update request for a subject requiring pull may not be performed.

4 is a conceptual diagram illustrating an operation of a supply chain data processing unit according to an embodiment of the present invention.

In FIG. 4 , a method for processing supply chain data by a supply chain data processing unit to generate financial service reference data is disclosed.

Referring to FIG. 4 , the supply chain data processing unit includes a data storage unit 410 , a data update unit 420 , a first data classification unit 430 , a second data classification unit 440 , and a third data classification unit 450 . ), fourth data classification unit 460 , first data filtering unit 435 , second data filtering unit 445 , third data filtering unit 455 , fourth data filtering unit 465 , refer to financial services It may include a data generator 480 .

The data storage unit 410 may be implemented to store supply chain data. The data storage unit 410 may store supply chain data received from the supply chain data collection unit.

The data update unit 420 may be implemented to update supply chain data. As described above, supply chain data for each subject, product, and event can be transmitted by the supply chain data collection unit, and the existing supply chain data can be updated based on the supply chain data transmitted by the supply chain data collection unit. can

The first data classification unit 430 may be implemented to classify the supply chain data based on the seller. The supply chain data may include seller identification data, and the first data classification unit 430 may classify the supply chain data based on the identification data of each seller.

The second data classification unit 440 may be implemented to classify the supply chain data based on the seller group. The supply chain data may include seller group identification data, and the second data classification unit 440 may classify the supply chain data based on the identification data of each seller group.

The third data classification unit 450 may be implemented to classify supply chain data based on product. The supply chain data may include product identification data, and the third data classification unit 450 may classify the supply chain data based on the identification data of each product.

The fourth data classification unit 460 may be implemented to classify the supply chain data based on the product group. The supply chain data may include product group identification data, and the fourth data classification unit 460 may classify the supply chain data based on identification data of each product group.

The first data filtering unit 435 may be implemented to generate the financial service reference data 490 by filtering the data classified by the first data classifying unit 430 . The first data filtering unit 435 may filter the supply chain data, which may be a reference element when providing financial services to the seller, based on the seller, and transmit it to the financial service reference data generator 480 .

The second data filtering unit 445 may be implemented to generate the financial service reference data 490 by filtering the data classified by the second data classifying unit 440 . The second data filtering unit 445 may filter the supply chain data that may be a reference element when providing financial services to the seller on the basis of the seller group and transmit it to the financial service reference data generating unit 480 .

The third data filtering unit 455 may be implemented to generate the financial service reference data 490 by filtering the data classified by the third data classifying unit 450 . The third data filtering unit 455 may filter the supply chain data, which may be a reference factor when providing financial services to the seller based on the product, and transmit it to the financial service reference data generating unit 480 .

The fourth data filtering unit 465 may be implemented to generate the financial service reference data 490 by filtering the data classified by the fourth data classifying unit 460 . The fourth data filtering unit 465 may filter the supply chain data that may be a reference element when providing financial services to the seller on the basis of the product group and transmit it to the financial service reference data generating unit 480 .

The financial service reference data generator 480 may generate the financial service reference data 490 based on the filtered supply chain data.

For example, the financial service reference data 490 may be data that is a basis for providing a financial service to a seller. Based on the financial service reference data 490 , various factors for providing financial services such as a loan limit, a loan interest rate, and a loan term to the seller may be determined.

The financial service reference data 490 includes seller reference data, seller group reference data, product group reference data, seller sales change data, product sales change data, seller group sales change data, determined based on the data filtered by the data filtering unit, It may include product group sales change data and the like.

5 is a conceptual diagram illustrating a method of generating financial service reference data according to an embodiment of the present invention.

5 discloses a method of generating financial service reference data based on filtered data.

Referring to FIG. 5 , the seller reference data 510 is data serving as a reference for providing financial services to the seller, such as products sold, sales rate, sales performance, returns, etc., based on the seller's sales-related data to date. The seller reference data 510 may be determined based on the supply chain data transmitted based on the seller identifier data 515 .

The seller group reference data 520 is data serving as a reference for providing financial services to the seller, such as products sold, sales rate, sales performance, returns, etc. of the seller group based on the sales related data of the seller group to date. The seller group reference data 520 may be determined based on the transmitted supply chain data based on the seller group identifier data 525 .

The product group reference data 530 is data serving as a reference for providing financial services to the seller, such as a product sales rate, product sales performance, product return, and the like of a product group based on sales-related data of the product group to date. The product group reference data 530 may be determined based on the supply chain data transmitted based on the product group identifier data 535 .

The seller sales change data 550 , the product sales change data 580 , the seller group sales change data 560 , and the product group sales change data 570 are the seller reference data 510 and the seller group reference data 520 . , may be data changed based on the product group reference data 530 .

The seller sales change data 550 is data on changes in sales of the seller, and may be data referenced for changes in financial services provided to the seller.

The product sales change data 580 is data on changes in product sales and may be data referenced for changes in financial services provided to sellers.

The seller group sales change data 560 is data on changes in sales of the seller group, and may be data referenced for changes in financial services provided to sellers.

The product group sales change data 570 may be data on a change in sales of a product group, and may be data referenced for a change in financial services provided to the seller.

6 is a conceptual diagram illustrating a method of generating financial service reference data according to an embodiment of the present invention.

6 discloses a method of determining a sales rate and a change in sales rate of a seller, a seller group, a product, and a product group among financial service reference data based on supply chain data.

Referring to FIG. 6 , the sales rate may be determined based on a conversion rate of supply chain data.

For example, when the supply chain data for a specific seller is relatively quickly converted into the first supply chain data, the second supply chain data, and the third supply chain data, it may be determined that the sales rate of the specific seller is relatively high. That is, a product sales rate (hereinafter, seller sales rate 610 ) of a specific seller may be determined based on a change in supply chain data for a specific seller.

When the supply chain data for a specific seller group is relatively quickly converted into the first supply chain data, the second supply chain data, and the third supply chain data, it may be determined that the sales rate of the specific seller group is relatively high. That is, a product sales rate (hereinafter, referred to as a seller group sales rate 620 ) of a specific seller group may be determined based on a change in supply chain data for a specific seller group.

When the supply chain data for a specific product is relatively quickly converted into the first supply chain data, the second supply chain data, and the third supply chain data, it may be determined that the sales rate of the specific product is relatively high. That is, the product sales rate (hereinafter, the product sales rate 630 ) of the specific product may be determined based on a change in the supply chain data for the specific product.

When the supply chain data for a specific product group is relatively quickly converted into the first supply chain data, the second supply chain data, and the third supply chain data, it may be determined that the sales rate of the specific product group is relatively high. That is, a product sales rate (hereinafter, referred to as a product group sales rate 640 ) of a specific product group may be determined based on a change in supply chain data for a specific product group.

Each of the seller sales rate 610 , the seller group sales rate 620 , the product sales rate 630 , and the product group sales rate 640 is determined based on changes in supply chain data, but may be determined in different ways.

The seller sales rate 610 is data on the sales flow of the seller's overall product, and is data showing the overall sales flow for a plurality of products sold by the seller.

The seller group sales rate 620 is data on the sales flow of the overall product of the seller group, and is data showing the overall sales flow of a plurality of products sold by the seller group to which the seller belongs.

Through comparison between the seller group sales rate 620 and the seller sales rate, a relative sales rate of the seller with respect to the seller group may be determined.

The product sales rate 630 is data on the sales flow of individual products, and may be used as data showing the sales flow of each product sold by the seller.

By comparing the product sales rate 630 and the seller sales rate 610 , a relative sales rate between a specific product sold by the seller and another product may be determined.

The product group sales rate 640 is data on the sales flow of the product group, and is data showing the sales flow of the product group. A relative sales rate between a specific product sold by the seller and a sales group including the specific product may be determined by comparing the product group sales rate 640 and the product sales rate 630 .

The characteristics of the seller are analyzed by comparing the seller sales rate 610, the seller group sales rate 620, the product sales rate 630, and the product group sales rate 640, and different financial services can be provided for each seller.

7 is a conceptual diagram illustrating a method of generating financial service reference data according to an embodiment of the present invention.

7 discloses a method for determining a merchant group and a product group for generating financial service reference data.

Referring to FIG. 7 , the seller group 700 and the product group 750 may be grouped and generated based on various data, and financial service reference data for each of the seller group layer and the product group layer may be generated.

Hereinafter, basic data for seller grouping and product grouping is an example, and various basic data may be used for grouping.

The seller group 700 may be grouped based on product data, media data, sales data, and the like. For each seller, each of product data, media data, and sales data may be expressed as a specific numerical value, and each of digitized product data, media data, and sales data may be mapped on three coordinate axes.

For example, in consideration of the characteristics of the product, a similar product may be quantified to match a closer position, and a similar medium may be quantified to match a closer position in consideration of the characteristics of the medium, and similar sales in consideration of the characteristics of sales It can be quantified so as to match the closer position.

Coordinate values matching product data, media data, and sales data of each seller on the coordinate axis may correspond, and the seller group 700 may be created in units of clusters through clustering in space.

In a similar manner, the product group 750 may be grouped based on product type data, product price data, and product sales media data. Each product can be expressed as a specific numerical value based on product type data, product price data, and product sales media data, and each of the digitized product type data, product price data, and product sales media data can be mapped on three coordinate axes. have.

For example, in consideration of the type of product, a similar type of product may be quantified to match a closer position, and a similar price may be quantified to match a closer position in consideration of the characteristics of the product price, and the characteristics of the product sales medium Considering that, the more similar the sales medium, the more it can be quantified so as to match the nearest location.

Coordinate values matching product data, media data, and sales data of each product on the coordinate axis may correspond, and a product group 750 may be created in cluster units through clustering in space.

The seller group creation method and the product group creation method may be expressed in terms of a clustering-based group creation method.

8 is a conceptual diagram illustrating a method of generating financial service reference data according to an embodiment of the present invention.

8 discloses a method of determining a merchant group and a product group for generating financial service reference data.

Referring to FIG. 8 , a seller group and a product group may be grouped and generated based on various data, and financial service reference data for each of the seller group layer and the product group layer may be generated.

Hereinafter, basic data forming a layer for seller grouping and product grouping is an example, and various basic data may be used for layering.

You can set up seller hierarchies to set up seller groups on a hierarchical basis. The seller hierarchy may be set according to set criteria. For example, the primary seller hierarchy 810 is set based on the characteristics of the product to be sold, and the secondary seller hierarchy 820 is set based on the medium for selling the product. This is set, and a tertiary seller hierarchy 830 may be set based on sales. In this way, sellers can be classified into n tiers by considering the criteria.

In this case, the seller group includes a seller group 815 based on the first seller hierarchy, a seller group 825 based on the secondary seller hierarchy, a seller group 835 of the tertiary seller hierarchy group, and a seller group 845 of the nth seller hierarchy group. ) can be set. In this case, if necessary, financial service reference data based on the x-th layer may be selectively determined. For example, a financial service simulation based on financial service reference data determined using the primary merchant layer 810 , a financial service simulation based on financial service reference data determined using the secondary merchant layer 820 , and an nth merchant layer Different risk-based financial services may be provided through financial service simulation based on financial service reference data determined using 840 .

In a similar manner, you can set up product hierarchies to set up product groups on a hierarchical basis. The product layer may be set according to the set criteria. For example, the primary product layer 850 is set based on the type of product to be sold, the secondary product layer 860 is set based on the product price, A tertiary product hierarchy 870 may be set based on product sales. In this way, it is possible to classify sellers into n product tiers by considering the criteria.

In this case, the product group is a product group 855 based on the primary product hierarchy, a product group 865 based on the secondary product hierarchy, a product group 875 of the tertiary product hierarchy group, and a product group 885 of the nth product hierarchy group. ) can be set. In this case, if necessary, financial service reference data based on the x-th product layer may be selectively determined. For example, a financial service simulation based on the financial service reference data determined using the primary product layer 850, a financial service simulation based on the financial service reference data determined using the secondary product layer 860, an nth product layer Different risk-based financial services may be provided through financial service simulation based on financial service reference data determined using 880 .

The seller group creation method and the product group creation method may be expressed in terms of a hierarchy-based group creation method.

9 is a conceptual diagram illustrating a method of generating financial service reference data according to an embodiment of the present invention.

9 discloses a method for generating financial service reference data based on a clustering-based group creation method and a layer-based group creation method.

Referring to FIG. 9 , a clustering-based group creation method 910 (hereinafter, a first group creation method) and a hierarchical-based group creation method 920 (hereinafter, a second group creation method) are comprehensively used to form a seller group and a product group. This can be determined.

First, the sellers and products grouped in the same way by the first group generating method and the second group generating method may be set to the same seller group and the same product group without a separate change.

A seller or product corresponding to a seller group and a product group grouped differently based on the first group creation method and the second group creation method is to generate financial service reference data in consideration of both different seller groups and product groups can be used for

The seller group and product group based on the first group creation method are expressed in terms of the first seller group 913 and the first product group 916, and the seller group and product group based on the second group creation method may be expressed in terms of a second seller group 923 and a second product group 926 .

For example, if seller X is included in the first seller group A and the second seller group B, financial service reference data 950 considering both the first seller group A and the second seller group B is generated and provided to the seller can be

As another example, when product Y is included in the first product group C and the second product group D, financial service reference data 950 considering both the first product group C and the second product group D is generated and provided to the seller can be

When generating the financial service reference data 950, the clustering-based group creation method 910, hierarchical-based group, whether to further consider the first merchant group, the first product group, or the second merchant group and the second product group It may be determined by receiving feedback based on a result of providing a financial service based on the generation method 920 . In consideration of the financial service result feedback, each of the sales group weight and the product group weight is adaptively set, so that the seller group of the seller and the product group of the product may be adaptively changed.

The embodiments according to the present invention described above may be implemented in the form of program instructions that can be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the computer-readable recording medium may be specially designed and configured for the present invention, or may be known and used by those skilled in the art of computer software. Examples of the computer-readable recording medium include hard disks, magnetic media such as floppy disks and magnetic tapes, optical recording media such as CD-ROMs and DVDs, and magneto-optical media such as floppy disks. medium), and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. A hardware device may be converted into one or more software modules to perform processing in accordance with the present invention, and vice versa.

In the above, the present invention has been described with reference to specific matters such as specific components and limited embodiments and drawings, but these are provided to help a more general understanding of the present invention, and the present invention is not limited to the above embodiments, Those of ordinary skill in the art to which the invention pertains can make various modifications and changes from these descriptions.

Therefore, the spirit of the present invention should not be limited to the above-described embodiments, and the scope of the spirit of the present invention is not limited to the scope of the scope of the present invention. will be said to belong to

Claims (6)

How to collect and process supply chain data:
collecting supply chain data by a supply chain data collection unit of the supply chain data management device;
The supply chain data processing unit of the supply chain data management device includes generating financial service reference data for the seller based on the supply chain data,
the financial service reference data is generated based on the supply chain data for the seller, seller group, product or product group;
The supply chain data includes first supply chain data, second supply chain data and third supply chain data,
The first supply chain data is data generated when the product is produced, manufactured or purchased,
The second supply chain data is data generated when providing a warehouse service or a fulfillment service for the product,
The third supply chain data is data generated when a distribution service for the product is provided,
each of the first supply chain data, the second supply chain data and the third supply chain data is classified for the seller, the seller group, the product or the product group;
A seller sales rate, a seller group sales rate, a product sales rate, based on the conversion of the first supply chain data, the second supply chain data, and the third supply chain data for each of the seller, the seller group, the product or the product group; The product group sales rate is determined,
The seller group and the product group are created by a first group creation method and a second group creation method,
The first group creation method is a clustering-based group creation method,
The second group creation method is a layer-based group creation method,
The financial service reference data includes the seller group determined in consideration of the seller group weight and the product group weight adaptively set using the feedback result of the financial service based on the clustering-based group creation method and the layer-based group creation method, and Method, characterized in that determined in consideration of the product group. According to claim 1,
The clustering-based group creation method determines the seller group in cluster units through clustering in space based on coordinate values matching product data, media data, and sales data of each seller on the coordinate axis, and product data of each product on the coordinate axis , determine the product group in cluster units through clustering in space based on coordinate values matching media data and sales data, and
The layer-based group generation method sets each of n seller layers and n' product layers based on product characteristics, product sales media or product sales, and product price,
At least one merchant layer is selectively selected for generation of the financial service reference data according to a financial risk determined through a financial service simulation for each of the n merchant layers,
At least one product tier is selectively selected for generation of the financial service reference data according to a financial risk determined through financial service simulation for each of the n' product tiers. 3. The method of claim 2,
The supply chain data processing unit includes a data classification unit and a data filtering unit,
The data classification unit is implemented to classify the supply chain data based on each of a seller, a seller group, a product, and a product group,
The data filtering unit is implemented to generate the financial service reference data by filtering the supply chain data based on each of the seller, the seller group, the product, and the product group. The supply chain data management device,
a supply chain data collection unit implemented to collect supply chain data; and
A supply chain data processing unit implemented to generate financial service reference data for a seller based on the supply chain data,
the financial service reference data is generated based on the supply chain data for the seller, seller group, product or product group;
The supply chain data includes first supply chain data, second supply chain data and third supply chain data,
The first supply chain data is data generated when the product is produced, manufactured or purchased,
The second supply chain data is data generated when providing a warehouse service or a fulfillment service for the product,
The third supply chain data is data generated when a distribution service for the product is provided,
each of the first supply chain data, the second supply chain data and the third supply chain data is classified for the seller, the seller group, the product or the product group;
A seller sales rate, a seller group sales rate, a product sales rate, based on the conversion of the first supply chain data, the second supply chain data, and the third supply chain data for each of the seller, the seller group, the product or the product group; The product group sales rate is determined,
The seller group and the product group are created by a first group creation method and a second group creation method,
The first group creation method is a clustering-based group creation method,
The second group creation method is a layer-based group creation method,
The financial service reference data includes the seller group determined in consideration of the seller group weight and the product group weight adaptively set using the feedback result of the financial service based on the clustering-based group creation method and the layer-based group creation method, and Supply chain data management apparatus, characterized in that determined in consideration of the product group. 5. The method of claim 4,
The clustering-based group creation method determines the seller group in cluster units through clustering in space based on coordinate values matching product data, media data, and sales data of each seller on the coordinate axis, and product data of each product on the coordinate axis , determine the product group in cluster units through clustering in space based on coordinate values matching media data and sales data, and
The layer-based group generation method sets each of n seller layers and n' product layers based on product characteristics, product sales media or product sales, and product price,
At least one merchant layer is selectively selected for generation of the financial service reference data according to a financial risk determined through a financial service simulation for each of the n merchant layers,
Supply chain data management apparatus, characterized in that at least one product layer is selectively selected for generation of the financial service reference data according to a financial risk determined through financial service simulation for each of the n' product layers. 6. The method of claim 5,
The supply chain data processing unit includes a data classification unit and a data filtering unit,
The data classification unit is implemented to classify the supply chain data based on each of a seller, a seller group, a product, and a product group,
The data filtering unit is configured to generate the financial service reference data by filtering the supply chain data based on each of the seller, the seller group, the product, and the product group.

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