KR102529607B1 - Artificial intelligence-based business transaction platform system - Google Patents

Abstract

Embodiments provide an AI-based business trading platform system. An artificial intelligence-based business transaction platform system according to embodiments receives business information and business financial information from a first client, and the business information includes element information about a type of business, location, business type, establishment date, representative, contact information, etc. The business financial information includes information on capital, sales, total liabilities, net profit, sales amount, etc., and the verification module selects one or more of the element information including personal information from among the business information, and, by a user management module, a business list is generated based on business information in which some element information is de-identified from the verification module, and is provided to a second client, and the business financial information provided from the first client. verifying the authenticity of to generate business verification information, provide the business verification information to the second client, receive a business selection signal for selecting any one business from the business list from the second client, and In response to the business entity selection signal, a chatting interface capable of communicating between the first client and the second client is implemented by a chatting support module, and any one of a plurality of contract document forms stored in a database is selected and the second client is selected. transmits to a client, receives a first subscription document prepared on the basis of the selected contract document form from the second client, encrypts the first subscription document by the verification module and delivers it to the first client; Receiving second subscription documents prepared based on the encrypted first subscription documents from a first client, encrypting and delivering the second subscription documents to the second client, and receiving a contract conclusion notification from the second client; , Implementation of a post support service interface capable of outputting a post support service selection interface by the first client in response to the contract conclusion notification and having a conversation between the first client and the second client by the chat support module may include doing

Description

Artificial intelligence-based business trading platform system {ARTIFICIAL INTELLIGENCE-BASED BUSINESS TRANSACTION PLATFORM SYSTEM}

Embodiments of the present invention relate to an artificial intelligence-based business transaction platform system, and more specifically, to a business transaction platform system that protects transaction safety by encrypting a data transmission process necessary in the transfer and acquisition process of a business.

The background art to be described below is possessed or acquired by the inventor in the process of deriving the disclosure of the present application, and cannot necessarily be said to be known art disclosed to the general public prior to the present application.

Recently, as the number of unemployed and economically inactive populations has increased significantly due to the COVID-19 virus, the domestic industrial environment has undergone drastic changes. As the economic downturn prolongs, the number of businesses that cannot withstand operating losses and closes increases, and the transaction volume of businesses is also greatly increasing. However, unlike non-face-to-face transactions of general products online, in the case of business transactions, many problems may arise in the case of non-face-to-face transactions. For example, there is a need to adjust the information imbalance between the transferor and the transferee regarding the financial status of the business put up for sale, and the role of the platform as an intermediary in legal procedures following the transfer of the name of the business is relatively large.
As related prior art documents, there are Patent Publication No. 10-2017-0153295, Registered Patent Publication No. 10-1829432, and Publication No. 10-2019-0134432.

Embodiments provide a business transaction platform system that can solve problems that may occur in the process of building the above business transaction platform.

Technical tasks to be achieved in the embodiments are not limited to those mentioned above, and other technical tasks not mentioned will be considered by those skilled in the art from various embodiments to be described below. can

The business transaction platform system according to an embodiment of the present invention receives business information and business financial information from a first client, and the business information includes element information about type of business, location, business type, establishment date, representative, contact information, etc. The business financial information includes information on capital, sales, total liabilities, net profit, sales amount, etc., and the verification module selects one or more element information including personal information from among the business information to de-identify it. and, by the user management module, a business list is generated based on the business information in which some element information is de-identified from the verification module, and provided to the second client, and the business financial information provided from the first client is generated. Verifying authenticity to generate business verification information, providing the business verification information to the second client, receiving a business selection signal for selecting any one business from the business list from the second client, and In response to the selection signal, a chatting interface capable of communicating between the first client and the second client is implemented by the chatting support module, and one of a plurality of contract document forms stored in the database is selected and the second client to, receive a first subscription document prepared on the basis of the selected contract document form from the second client, encrypt the first subscription document by the verification module and deliver it to the first client; Receiving second subscription documents prepared based on the encrypted first subscription documents from 1 client, encrypting and delivering the second subscription documents to the second client, and receiving a contract conclusion notification from the second client; In response to the contract conclusion notification, the first client outputs a post support service selection interface, and the chat support module implements a post support service interface capable of communicating between the first client and the second client. may include

The generating of the business verification information may include requesting financial information corresponding to the business financial information from an external server based on the business information provided from the first client, and using the financial information provided from the external server and the first client. 1 may include comparing the business financial information provided from the client to determine whether they match, and generating business verification information based on the match.

Generating the business verification information includes sending a response request to each account registered to the business of the first client through the first client, and determining the number of accounts for which a response to the response request has been received, and the business A response index is calculated based on the number of accounts registered to the business entity, a unique standard deviation average is calculated by tracking the change over time in the number of accounts registered to the business, and the unique standard deviation average is calculated based on the response index and the unique standard deviation average. This may include calculating a vitality index for the business.

<mathematical expression>

The verification module calculates the activation index using the equation, where V_active is the activation index, %r is the response index, f is the number of accounts registered to the business, c is the correction factor, s (f , t) may mean the unique standard deviation mean.

The business verification information includes an encryption block in which the business financial information is encrypted, and first input data for the unique identification information of the first client is extracted by the verification module, and the first input data provided from the first client is Extract second input data for business financial information, vectorize the first input data and the second input data in virtual space, and calculate a distance between the first input data vector and the second input data vector in the virtual space. Based on this, the encryption block may be generated.

Further comprising modifying the activation index using an exponential correction model, wherein the exponential correction model includes an input layer, one or more hidden layers, and an output layer, and a plurality of training data related to the activation index is the exponential correction model. is input to the input layer of and outputs an output vector through the at least one hidden layer and an output layer, the output vector is input to a loss function layer connected to the output layer, and the loss function layer is input to the output vector and each A loss value is output using a loss function that compares a correct answer vector for learning data of , and parameters of the exponential correction model may be learned in a direction in which the loss value becomes smaller.

It takes a lot of time and effort to build a new business from the perspective of a business owner starting a new business. can start In addition, you can receive know-how or knowledge necessary for business operation from the existing seller who has operated the purchased business.

Effects obtainable from the embodiments are not limited to the effects mentioned above, and other effects not mentioned are clearly derived and understood by those skilled in the art based on the detailed description below. It can be.

BRIEF DESCRIPTION OF THE DRAWINGS Included as part of the detailed description to aid understanding of the embodiments, the accompanying drawings provide various embodiments and, together with the detailed description, describe technical features of the various embodiments.
1 is a diagram showing the configuration of an electronic device according to an embodiment of the present invention.
2 is a diagram showing the configuration of a program according to an embodiment of the present invention.
3 is a diagram schematically illustrating a network environment in which a business transaction platform according to an embodiment of the present invention is implemented.
Figure 4 is a block diagram for explaining the configuration of the server of Figure 3;
5 is a flowchart illustrating the operation of a business transaction platform according to an embodiment of the present invention.
6 is a flowchart illustrating a business entity financial information verification process according to an embodiment of the present invention.
7 is a graph for explaining the activation index of businesses.

The following embodiments combine elements and features of the embodiments in a predetermined form. Each component or feature may be considered optional unless explicitly stated otherwise. Each component or feature may be implemented in a form not combined with other components or features. In addition, various embodiments may be configured by combining some components and/or features. The order of operations described in various embodiments may be changed. Some components or features of one embodiment may be included in another embodiment, or may be replaced with corresponding components or features of another embodiment.

In the description of the drawings, procedures or steps that may obscure the gist of various embodiments are not described, and procedures or steps that can be understood by those skilled in the art are not described. did

Throughout the specification, when a part is said to "comprising" or "including" a certain element, it means that it may further include other elements, not excluding other elements, unless otherwise stated. do. In addition, terms such as “… unit”, “… unit”, and “module” described in the specification mean a unit that processes at least one function or operation, which is hardware or software or a combination of hardware and software. can be implemented as Also, “a or an”, “one”, “the” and like terms are used herein in the context of describing various embodiments (particularly in the context of the claims below). Unless otherwise indicated or clearly contradicted by context, both the singular and the plural can be used.

Hereinafter, embodiments according to various embodiments will be described in detail with reference to the accompanying drawings. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The detailed description set forth below in conjunction with the accompanying drawings is intended to describe exemplary embodiments of various embodiments, and is not intended to represent a single embodiment.

In addition, specific terms used in various embodiments are provided to help understanding of various embodiments, and the use of these specific terms may be changed into other forms without departing from the technical spirit of various embodiments. .

1 is a diagram showing the configuration of an electronic device according to an embodiment of the present invention.

1 is a block diagram of an electronic device 101 within a network environment 100, according to various embodiments. Referring to FIG. 1 , in a network environment 100, an electronic device 101 communicates with an electronic device 102 through a first network 198 (eg, a short-range wireless communication network) or through a second network 199. It may communicate with at least one of the electronic device 104 or the server 108 through (eg, a long-distance wireless communication network). According to an embodiment, the electronic device 101 may communicate with the electronic device 104 through the server 108 . According to an embodiment, the electronic device 101 includes a processor 120, a memory 130, an input module 150, an audio output module 155, a display module 160, an audio module 170, a sensor module ( 176), interface 177, connection terminal 178, haptic module 179, camera module 180, power management module 188, battery 189, communication module 190, subscriber identification module 196 , or the antenna module 197 may be included. In some embodiments, in the electronic device 101, at least one of these components (eg, the connection terminal 178) may be omitted or one or more other components may be added. In some embodiments, some of these components (eg, sensor module 176, camera module 180, or antenna module 197) are integrated into a single component (eg, display module 160). It can be. The electronic device 101 may also be referred to as a client, terminal, or peer.

The processor 120, for example, executes software (eg, the program 140) to cause at least one other component (eg, hardware or software component) of the electronic device 101 connected to the processor 120. It can control and perform various data processing or calculations. According to one embodiment, as at least part of data processing or operation, processor 120 transfers instructions or data received from other components (e.g., sensor module 176 or communication module 190) to volatile memory 132. , processing commands or data stored in the volatile memory 132 , and storing resultant data in the non-volatile memory 134 . According to one embodiment, the processor 120 includes a main processor 121 (eg, a central processing unit or an application processor) or a secondary processor 123 (eg, a graphic processing unit, a neural network processing unit ( NPU: neural processing unit (NPU), image signal processor, sensor hub processor, or communication processor). For example, when the electronic device 101 includes the main processor 121 and the auxiliary processor 123, the auxiliary processor 123 may use less power than the main processor 121 or be set to be specialized for a designated function. can The secondary processor 123 may be implemented separately from or as part of the main processor 121 .

The secondary processor 123 may, for example, take the place of the main processor 121 while the main processor 121 is in an inactive (eg, sleep) state, or the main processor 121 is active (eg, running an application). ) state, together with the main processor 121, at least one of the components of the electronic device 101 (eg, the display module 160, the sensor module 176, or the communication module 190) It is possible to control at least some of the related functions or states. According to one embodiment, the auxiliary processor 123 (eg, an image signal processor or a communication processor) may be implemented as part of other functionally related components (eg, the camera module 180 or the communication module 190). there is. According to an embodiment, the auxiliary processor 123 (eg, a neural network processing device) may include a hardware structure specialized for processing an artificial intelligence model. AI models can be created through machine learning. Such learning may be performed, for example, in the electronic device 101 itself where the artificial intelligence model is performed, or may be performed through a separate server (eg, the server 108). The learning algorithm may include, for example, supervised learning, unsupervised learning, semi-supervised learning or reinforcement learning, but in the above example Not limited. The artificial intelligence model may include a plurality of artificial neural network layers. Artificial neural networks include deep neural networks (DNNs), convolutional neural networks (CNNs), recurrent neural networks (RNNs), restricted boltzmann machines (RBMs), deep belief networks (DBNs), bidirectional recurrent deep neural networks (BRDNNs), It may be one of deep Q-networks or a combination of two or more of the foregoing, but is not limited to the foregoing examples. The artificial intelligence model may include, in addition or alternatively, software structures in addition to hardware structures.

The memory 130 may store various data used by at least one component (eg, the processor 120 or the sensor module 176) of the electronic device 101 . The data may include, for example, input data or output data for software (eg, program 140) and commands related thereto. The memory 130 may include volatile memory 132 or non-volatile memory 134 .

The program 140 may be stored as software in the memory 130 and may include, for example, an operating system 142 , middleware 144 , or an application 146 .

The input module 150 may receive a command or data to be used by a component (eg, the processor 120) of the electronic device 101 from the outside of the electronic device 101 (eg, a user). The input module 150 may include, for example, a microphone, a mouse, a keyboard, a key (eg, a button), or a digital pen (eg, a stylus pen).

The sound output module 155 may output sound signals to the outside of the electronic device 101 . The sound output module 155 may include, for example, a speaker or a receiver. The speaker can be used for general purposes such as multimedia playback or recording playback. A receiver may be used to receive an incoming call. According to one embodiment, the receiver may be implemented separately from the speaker or as part of it.

The display module 160 may visually provide information to the outside of the electronic device 101 (eg, a user). The display module 160 may include, for example, a display, a hologram device, or a projector and a control circuit for controlling the device. According to an embodiment, the display module 160 may include a touch sensor configured to detect a touch or a pressure sensor configured to measure the intensity of force generated by the touch.

The audio module 170 may convert sound into an electrical signal or vice versa. According to an embodiment, the audio module 170 acquires sound through the input module 150, the sound output module 155, or an external electronic device connected directly or wirelessly to the electronic device 101 (eg: Sound may be output through the electronic device 102 (eg, a speaker or a headphone).

The sensor module 176 detects an operating state (eg, power or temperature) of the electronic device 101 or an external environmental state (eg, a user state), and generates an electrical signal or data value corresponding to the detected state. can do. According to one embodiment, the sensor module 176 may include, for example, a gesture sensor, a gyro sensor, an air pressure sensor, a magnetic sensor, an acceleration sensor, a grip sensor, a proximity sensor, a color sensor, an infrared (IR) sensor, a bio sensor, It may include a temperature sensor, humidity sensor, or light sensor.

The interface 177 may support one or more designated protocols that may be used to directly or wirelessly connect the electronic device 101 to an external electronic device (eg, the electronic device 102). According to one embodiment, the interface 177 may include, for example, a high definition multimedia interface (HDMI), a universal serial bus (USB) interface, an SD card interface, or an audio interface.

The connection terminal 178 may include a connector through which the electronic device 101 may be physically connected to an external electronic device (eg, the electronic device 102). According to one embodiment, the connection terminal 178 may include, for example, an HDMI connector, a USB connector, an SD card connector, or an audio connector (eg, a headphone connector).

The haptic module 179 may convert electrical signals into mechanical stimuli (eg, vibration or motion) or electrical stimuli that a user may perceive through tactile or kinesthetic senses. According to one embodiment, the haptic module 179 may include, for example, a motor, a piezoelectric element, or an electrical stimulation device.

The camera module 180 may capture still images and moving images. According to one embodiment, the camera module 180 may include one or more lenses, image sensors, image signal processors, or flashes.

The power management module 188 may manage power supplied to the electronic device 101 . According to one embodiment, the power management module 188 may be implemented as at least part of a power management integrated circuit (PMIC), for example.

The battery 189 may supply power to at least one component of the electronic device 101 . According to one embodiment, the battery 189 may include, for example, a non-rechargeable primary cell, a rechargeable secondary cell, or a fuel cell.

The communication module 190 is a direct (eg, wired) communication channel or a wireless communication channel between the electronic device 101 and an external electronic device (eg, the electronic device 102, the electronic device 104, or the server 108). Establishment and communication through the established communication channel may be supported. The communication module 190 may include one or more communication processors that operate independently of the processor 120 (eg, an application processor) and support direct (eg, wired) communication or wireless communication. According to one embodiment, the communication module 190 may be a wireless communication module 192 (eg, a cellular communication module, a short-range wireless communication module, or a global navigation satellite system (GNSS) communication module) or a wired communication module 194 (eg, a : a local area network (LAN) communication module or a power line communication module). Among these communication modules, a corresponding communication module is a first network 198 (eg, a short-range communication network such as Bluetooth, wireless fidelity (WiFi) direct, or infrared data association (IrDA)) or a second network 199 (eg, legacy It may communicate with the external electronic device 104 through a cellular network, a 5G network, a next-generation communication network, the Internet, or a telecommunications network such as a computer network (eg, a LAN or a WAN). These various types of communication modules may be integrated as one component (eg, a single chip) or implemented as a plurality of separate components (eg, multiple chips). The wireless communication module 192 uses subscriber information (eg, International Mobile Subscriber Identifier (IMSI)) stored in the subscriber identification module 196 within a communication network such as the first network 198 or the second network 199. The electronic device 101 may be identified or authenticated.

The wireless communication module 192 may support a 5G network after a 4G network and a next-generation communication technology, for example, NR access technology (new radio access technology). NR access technologies include high-speed transmission of high-capacity data (enhanced mobile broadband (eMBB)), minimization of terminal power and access of multiple terminals (massive machine type communications (mMTC)), or high reliability and low latency (ultra-reliable and low latency (URLLC)). -latency communications)) can be supported. The wireless communication module 192 may support a high frequency band (eg, mmWave band) to achieve a high data rate, for example. The wireless communication module 192 uses various technologies for securing performance in a high frequency band, such as beamforming, massive multiple-input and multiple-output (MIMO), and full-dimensional multiplexing. Technologies such as input/output (FD-MIMO: full dimensional MIMO), array antenna, analog beam-forming, or large scale antenna may be supported. The wireless communication module 192 may support various requirements defined for the electronic device 101, an external electronic device (eg, the electronic device 104), or a network system (eg, the second network 199). According to one embodiment, the wireless communication module 192 may be used to realize peak data rate (eg, 20 Gbps or more) for realizing eMBB, loss coverage (eg, 164 dB or less) for realizing mMTC, or U-plane latency (for realizing URLLC). Example: downlink (DL) and uplink (UL) each of 0.5 ms or less, or round trip 1 ms or less) may be supported.

The antenna module 197 may transmit or receive signals or power to the outside (eg, an external electronic device). According to an embodiment, the antenna module 197 may include an antenna including a radiator formed of a conductor or a conductive pattern formed on a substrate (eg, PCB). According to one embodiment, the antenna module 197 may include a plurality of antennas (eg, an array antenna). In this case, at least one antenna suitable for a communication method used in a communication network such as the first network 198 or the second network 199 is selected from the plurality of antennas by the communication module 190, for example. can be chosen A signal or power may be transmitted or received between the communication module 190 and an external electronic device through the selected at least one antenna. According to some embodiments, other components (eg, a radio frequency integrated circuit (RFIC)) may be additionally formed as a part of the antenna module 197 in addition to the radiator.

According to various embodiments, the antenna module 197 may form a mmWave antenna module. According to one embodiment, the mmWave antenna module includes a printed circuit board, an RFIC disposed on or adjacent to a first surface (eg, a lower surface) of the printed circuit board and capable of supporting a designated high frequency band (eg, mmWave band); and a plurality of antennas (eg, array antennas) disposed on or adjacent to a second surface (eg, a top surface or a side surface) of the printed circuit board and capable of transmitting or receiving signals of the designated high frequency band. can do.

At least some of the components are connected to each other through a communication method between peripheral devices (eg, a bus, general purpose input and output (GPIO), serial peripheral interface (SPI), or mobile industry processor interface (MIPI)) and signal ( e.g. commands or data) can be exchanged with each other.

According to an embodiment, commands or data may be transmitted or received between the electronic device 101 and the external electronic device 104 through the server 108 connected to the second network 199 . Each of the external electronic devices 102 or 104 may be the same as or different from the electronic device 101 . According to an embodiment, all or part of operations executed in the electronic device 101 may be executed in one or more external electronic devices among the external electronic devices 102 , 104 , or 108 . For example, when the electronic device 101 needs to perform a certain function or service automatically or in response to a request from a user or another device, the electronic device 101 instead of executing the function or service by itself. Alternatively or additionally, one or more external electronic devices may be requested to perform the function or at least part of the service. One or more external electronic devices receiving the request may execute at least a part of the requested function or service or an additional function or service related to the request, and deliver the execution result to the electronic device 101 . The electronic device 101 may provide the result as at least part of a response to the request as it is or additionally processed. To this end, for example, cloud computing, distributed computing, mobile edge computing (MEC), or client-server computing technology may be used. The electronic device 101 may provide an ultra-low latency service using, for example, distributed computing or mobile edge computing. In another embodiment, the external electronic device 104 may include an internet of things (IoT) device. Server 108 may be an intelligent server using machine learning and/or neural networks. According to one embodiment, the external electronic device 104 or server 108 may be included in the second network 199 . The electronic device 101 may be applied to intelligent services (eg, smart home, smart city, smart car, or health care) based on 5G communication technology and IoT-related technology.

The server 108 is connected to the electronic device 101 and can provide a service to the connected electronic device 101 . In addition, the server 108 may proceed with a membership sign-up procedure, store and manage various types of information of users subscribed as members, and provide various purchase and payment functions related to services. In addition, the server 108 may share execution data of service applications executed in each of the plurality of electronic devices 101 in real time so that the service can be shared among users. This server 108 may have the same configuration as a conventional web server or WAP server in terms of hardware. However, in terms of software, it may include a program module that is implemented through any language such as C, C++, Java, Visual Basic, or Visual C and performs various functions. In addition, the server 108 is generally connected to an unspecified number of clients and/or other servers through an open computer network such as the Internet, and receives requests from clients or other servers to perform tasks and derives and provides work results. It means a computer system and the computer software (server program) installed for it. In addition, the server 108, in addition to the above-described server program, a series of application programs operating on the server 108 and various databases (DB: Database, hereinafter referred to as It should be understood as a broad concept including DB"). Accordingly, the server 108 classifies member registration information and various information and data about games, stores them in a DB, and manages them. This DB may be implemented inside or outside the server 108 . In addition, the server 108 uses a server program provided in various ways according to operating systems such as DOS, Windows, Linux, UNIX, and Macintosh in general server hardware. As a representative example, a website used in a Windows environment, Internet Information Server (IIS), and CERN, NCSA, APPACH, etc. used in a Unix environment can be used. In addition, the server 108 may interoperate with an authentication system and a payment system for user authentication of services or payment for purchases related to services.

The first network 198 and the second network 199 are a connection structure capable of exchanging information between nodes such as terminals and servers, or a network connecting the server 108 and the electronic devices 101 and 104. means (Network). The first network 198 and the second network 199 include Internet, Local Area Network (LAN), Wireless Local Area Network (Wireless Local Area Network), Wide Area Network (WAN), Personal Area Network (PAN), and 3G , 4G, LTE, 5G, Wi-Fi, etc., but are not limited thereto. The first network 198 and the second network 199 may be closed first networks 198 and second networks 199 such as LAN and WAN, but are preferably open such as the Internet. The Internet is based on the TCP/IP protocol and several services that exist on its upper layer, such as HTTP (HyperText Transfer Protocol), Telnet, FTP (File Transfer Protocol), DNS (Domain Name System), SMTP (Simple Mail Transfer Protocol), SNMP ( Simple Network Management Protocol), Network File Service (NFS), and Network Information Service (NIS).

The database may have a general data structure implemented in a storage space (hard disk or memory) of a computer system using a database management program (DBMS). The database may have a data storage form in which data can be freely searched for (extracted), deleted, edited, added, and the like. Databases are relational database management systems (RDBMS) such as Oracle, Informix, Sybase, and DB2, or object-oriented database management such as Gemston, Orion, and O2. It can be implemented according to the purpose of an embodiment of the present disclosure using a system (OODBMS) and XML Native Databases such as Excelon, Tamino, and Sekaiju, and its functions may have appropriate fields or elements to achieve.

2 is a diagram showing the configuration of a program according to an embodiment of the present invention.

2 is a block diagram 200 illustrating a program 140 according to various embodiments. According to one embodiment, the program 140 includes an operating system 142, middleware 144, or an application 146 executable in the operating system 142 for controlling one or more resources of the electronic device 101. can include The operating system 142 may include, for example, Android™, iOS™, Windows™, Symbian™, Tizen™, or Bada™. At least some of the programs 140 are, for example, preloaded in the electronic device 101 at the time of manufacture, or when used by a user, an external electronic device (eg, the electronic device 102 or 104), or a server ( 108)) can be downloaded or updated. All or part of program 140 may include a neural network.

The operating system 142 may control management (eg, allocation or reclamation) of one or more system resources (eg, process, memory, or power) of the electronic device 101 . Operating system 142 may additionally or alternatively include other hardware devices of electronic device 101 , such as input module 150 , sound output module 155 , display module 160 , audio module 170 . , sensor module 176, interface 177, haptic module 179, camera module 180, power management module 188, battery 189, communication module 190, subscriber identification module 196, or It may include one or more driver programs for driving the antenna module 197.

The middleware 144 may provide various functions to the application 146 so that the function or information provided from one or more resources of the electronic device 101 may be used by the application 146 . The middleware 144 includes, for example, the application manager 201, the window manager 203, the multimedia manager 205, the resource manager 207, the power manager 209, the database manager 211, and the package manager 213. ), connectivity manager 215, notification manager 217, location manager 219, graphics manager 221, security manager 223, call manager 225, or voice recognition manager 227. can

The application manager 201 may manage the life cycle of the application 146 , for example. The window manager 203 may manage one or more GUI resources used in a screen, for example. The multimedia manager 205 identifies, for example, one or more formats necessary for reproducing media files, and encodes or decodes a corresponding media file among the media files using a codec suitable for the selected format. can be done The resource manager 207 may manage a source code of the application 146 or a memory space of the memory 130 . The power manager 209 may manage, for example, the capacity, temperature, or power of the battery 189, and determine or provide related information necessary for the operation of the electronic device 101 by using corresponding information among them. . According to an embodiment, the power manager 209 may interwork with a basic input/output system (BIOS) (not shown) of the electronic device 101 .

The database manager 211 may create, search, or change a database to be used by the application 146, for example. The package manager 213 may manage installation or update of applications distributed in the form of package files, for example. The connectivity manager 215 may manage, for example, a wireless connection or a direct connection between the electronic device 101 and an external electronic device. The notification manager 217 may provide a function for notifying a user of occurrence of a designated event (eg, an incoming call, message, or alarm), for example. The location manager 219 may manage location information of the electronic device 101, for example. The graphic manager 221 may manage, for example, one or more graphic effects to be provided to a user or a user interface related thereto.

Security manager 223 may provide system security or user authentication, for example. The telephony manager 225 may manage, for example, a voice call function or a video call function provided by the electronic device 101 . The voice recognition manager 227 transmits, for example, the user's voice data to the server 108, and at least partially based on the voice data, a command corresponding to a function to be performed in the electronic device 101; Alternatively, text data converted at least partially based on the voice data may be received from the server 108 . According to one embodiment, the middleware 244 may dynamically delete some existing components or add new components. According to one embodiment, at least part of the middleware 144 may be included as part of the operating system 142 or may be implemented as separate software different from the operating system 142 .

The application 146 includes, for example, a home 251, a dialer 253, an SMS/MMS 255, an instant message (IM) 257, a browser 259, a camera 261, and an alarm 263. , Contacts (265), Voice Recognition (267), Email (269), Calendar (271), Media Player (273), Albums (275), Watch (277), Health (279) (e.g. exercise or blood sugar) measurement of biometric information) or environmental information 281 (eg, measurement of atmospheric pressure, humidity, or temperature information). According to an embodiment, the application 146 may further include an information exchange application (not shown) capable of supporting information exchange between the electronic device 101 and an external electronic device. The information exchange application may include, for example, a notification relay application configured to transmit designated information (eg, a call, message, or alarm) to an external electronic device, or a device management application configured to manage an external electronic device. there is. The notification relay application, for example, transmits notification information corresponding to a designated event (eg, mail reception) generated in another application (eg, the email application 269) of the electronic device 101 to an external electronic device. can Additionally or alternatively, the notification relay application may receive notification information from an external electronic device and provide the notification information to the user of the electronic device 101 .

The device management application is, for example, a power source (eg, turn-on or turn-off) of an external electronic device that communicates with the electronic device 101 or some component thereof (eg, a display module or a camera module of the external electronic device). ) or functions (eg brightness, resolution, or focus). The device management application may additionally or alternatively support installation, deletion, or update of an application operating in an external electronic device.

Next, a business transaction platform according to an embodiment of the present invention will be described.

3 is a diagram schematically illustrating a network environment 10 in which a business transaction platform according to an embodiment of the present invention is implemented.

Referring to FIG. 3 , the server 300 , the first client 400 , and the second client 500 are each connected to a wireless or wired network 600 to exchange data with each other.

Server 300 may implement a business trading platform. To this end, the server 300 may exchange data with the first client 400 and the second client 500 . Server 300 may be a web server connected to the Internet environment.

The first client 400 may be an electronic device used by a person who wants to transfer a business through the business transaction platform implemented by the server 300 . The first client 400 may be the same as or similar to the electronic device 101 described with reference to FIG. 1 . That is, the first client 400 may include a first processor, a first memory, and a first communication module. The first communication module of the first client 400 receives a platform application program (or application) installation file from the server 300, and the first processor of the first client 400 stores it in the first memory. You can install and run platform applications. The first processor of the first client 400 may execute a platform application program to implement a business information input interface, a business financial information input interface, a chat interface between a transferor and a transferee, an escrow payment interface, a post support service interface, and the like. there is.

The server 300 may receive business information and business financial information from the first client 400 . The business information may include one or more element information about type of business, location, company type, establishment date, representative, and contact information. The business financial information may include information about capital, sales, total liabilities, net profit, sales amount, and the like of the business.

Some element information of business information may be information including personal information such as contact information. In one embodiment, the server 300 may select and de-identify element information including personal information among element information of business information.

Information included in the business financial information may vary according to the classification type of the business that the user of the first client 400 intends to sell through the business trading platform of the present invention. In general, in the case of a business (company) engaged in the manufacturing industry, a manufacturing cost statement that describes the manufacturing cost of the current product is prepared. The manufacturing cost statement is an annex to the financial statements prepared to report the manufacturing cost of the finished product for the current period. The end-of-year materials inventory and end-of-work inventory that appear on the manufacturing cost statement are displayed as inventory assets in the statement of financial position, and the manufacturing cost of products for the current period, which is displayed at the end, is a key factor in displaying the cost of sales on the income statement. In the manufacturing cost statement, the total manufacturing cost for the current period is usually divided into material cost, labor cost, and expense, but in the case of adopting an individual costing system, it can be divided into direct material cost, direct labor cost, and manufacturing overhead cost. For labor and expenses, only those used in the manufacturing department or factory should be indicated, and the portion used in the sales department or head office should be indicated in the income statement. Alternatively, it may be described as items such as total labor cost, education and training cost, and R&D cost. In this case, the server 300 may receive business financial information from the first client 400, or receive documents such as manufacturing cost statements and financial statements from the first client 400, and based on this, business financial information. can also be extracted.

On the other hand, in the case of businesses operating in the distribution or service business, financial information is organized in a different way from the financial statements of general manufacturing companies. Recently, as online e-commerce is activated, various product distribution channels such as open markets are appearing. An open market refers to a platform in which e-commerce is performed by posting product or service information directly on the Internet by a plurality of individual sellers, unlike existing online shopping malls. Representative open markets operated in Korea include G Market, Auction, 11th Street, WeMakePrice, and Coupang. Alternatively, platforms such as Naver Smart Store that allow individual business owners to easily open online shopping malls are emerging.

In the case of individual entrepreneurs who distribute products or services through various distribution channels such as open markets, most of them do not have an obligation to disclose their financial information, and it is common that the business itself does not prepare separate financial statements. In this case, the server 300 may receive business financial information from the first client 400, and provide a business financial information input interface to the first client 400 to provide capital, sales, total debt, net income, and sales. Input of information corresponding to an amount or the like may be requested, and business financial information may be generated based on the information input through the business financial information input interface.

The second client 500 may be an electronic device used by a person who wants to transfer a business through the business transaction platform according to an embodiment of the present invention. The second client 500 may be the same as or similar to the electronic device 101 described with reference to FIG. 1 . That is, the second client 500 may include a second processor, a second memory, and a second communication module. The second communication module of the second client 500 receives a platform application program (or application) installation file from the server 300, and the second processor of the second client 500 stores it in the second memory. You can install and run platform applications. The second processor of the second client 500 may execute a platform application program to implement a subscriber information input interface, a chat interface between transferor and transferee, an escrow payment interface, a post support service interface, and the like.

In the case of a business that distributes products or services through various distribution channels, such as the open market described above, even if the transferee wants to objectively check the financial status of the business through the business transaction platform, There is no procedure in place to To solve this problem, the server 300 may verify business information and business financial information provided from the first client 400 , generate business verification information, and provide it to the second client 500 . In addition, the server 300 calculates an activation index based on business information and business financial information provided from the first client 400 and provides business verification information including the business activation index to the second client 500. can

The server 300 may include the same hardware module as a typical web server or network server in terms of hardware. The server 300 may be implemented in the form of a web server or network server, or may be implemented as a series of application programs that operate on the web server, including various databases built inside tangible storage devices. . Therefore, the server 300 should be understood as a broad concept that is not limited to any one of the forms described above.

The server 300 may be implemented through a physical server. That is, the server 300 is implemented as a server including a communication device and can transmit or receive data from the first client 400 and the second client ( ). The server 300 includes a workstation, a data center, an internet data center (IDC), a direct attached storage (DAS) system, a storage area network (SAN) system, a network attached storage (NAS) system, It may be implemented as at least one of a redundant array of inexpensive disks (RAID) system and an electronic document management (EDMS) system, but the present embodiment is not limited thereto.

FIG. 4 is a block diagram for explaining the configuration of the server 300 of FIG. 3 .

Referring to FIG. 4 , the server 300 may include a user management module 310, a verification module 320, a chat support module 330, a payment support module 340, and a database 350.

Each component included in the server 300 is connected to a communication path that connects software modules or hardware modules inside the device and can organically operate with each other. That is, each component of the server 300 means a unit that processes at least one function or operation, and may be implemented as a software module, a hardware module, or a combination of software and hardware.

The user management module 310 may store and manage information about clients connected to the business transaction platform implemented by the server 300 . The user management module 310 may proceed with a membership sign-up procedure for the business transaction platform, store and manage various types of information of users subscribed as members, and provide various purchase and payment functions related to services. The user management module 310 may work with an authentication system and a payment system for user authentication of business transaction platform services or purchase and payment related to services.

In one embodiment, the user management module 310 may receive business information from the first client 400 and store it. The user management module 310 may extract and store unique identification information for the first client 400 based on business information. The unique identification information may be, for example, each client's ID (Identification) or unique IP (Internet Protocol) address. In an embodiment, the user management module 310 may generate a business list based on business information provided from each of a plurality of first clients connected to the business transaction platform implemented by the server 300 . The user management module 310 may provide the generated business list to the second client 500 .

The verification module 320 may verify business financial information provided from the first client 400 , generate business verification information, and provide it to the second client 500 . The business verification information may include an activation index and an encryption block corresponding to the business. The business activation index will be described in detail later.

In one embodiment, the verification module 320 encrypts the unique identification information of the first client 400 provided from the user management module 310 and the business financial information provided from the first client 400. Encryption blocks can be created. Here, the encryption block refers to a data packet generated by encrypting business financial information of a corresponding business with respect to a business transacted through the business transaction platform according to an embodiment of the present invention.

In one embodiment, the verification module 320 may extract first input data for unique identification information of the first client 400 . The verification module 320 may extract second input data about business financial information of the first client 400 . The verification module 320 may vectorize the first input data and the second input data in the virtual space. The verification module 320 may generate an encryption block based on a distance between the first input data vector and the second input data vector in virtual space.

In one embodiment, the verification module 320 may extract a plurality of first input data for unique identification information of the first client 400 . The verification module 320 may extract a plurality of second input data about financial information of the business of the first client 400 . The verification module 320 may vectorize the plurality of first input data and the plurality of second input data in the virtual space. The verification module 320 may determine a hyperplane function for separating the first input data vectors and the second input data vectors in virtual space, and generate an encryption block based on the hyperplane function.

That is, the verification module 320 may generate an encryption block by using a Support Vector Machine (SVM) algorithm inversely. The SVM algorithm means a process of determining a hyperplane function (linear decision function) for separating two different classes and separating the classes by using the hyperplane function. The hyperplane may correspond to a central portion of a maximum value between two class data on the input data. That is, the SVM algorithm may build a hyperplane model maximizing a margin between each class of data in a multidimensional space.

In one embodiment, the verification module 320 may build a hyperplane model using [Equation 3] above. In [Equation 1], d(x) may mean a hyperplane, x may mean an output vector input to a vector space, w may mean a parameter, and b may mean a bias value.

According to the SVM algorithm, the verification module 320 may calculate the parameter w of the hyperplane by differentiating [Equation 1]. Here, the parameter w corresponds to the normal vector of the hyperplane d(x).

The verification module 320 may use various kernel functions to process the nonlinear separation problem using the SVM algorithm. For example, the verification module 320 may process a nonlinear separation problem using an SVM algorithm using a polynomial function, a sigmoid function, a gaussian function, etc. that satisfy Mercer's theory.

The verification module 320 may set the nonlinear hyperplane calculation equation of the linear hyperplane implemented using [Equation 2] as shown in [Equation 2]. In [Equation 2], K is a kernel function, W is a parameter, α is a dependent variable for W, x_i, y_i are the first input data vector and the second input data vector input to the vector space, σ is the bandwidth parameter can mean

The verification module 320 may implement a nonlinear hyperplane calculation equation using [Equation 2], and set an encryption key of an encryption block based on the calculated parameter W.

The chat support module 330 may implement a chat interface between the first client 400 and the second client 500 . The chat support module 330 transmits a notification message to the first client 400 based on business information about the selected business in response to the business selection signal received from the second client 500, and implements a chat interface. can Here, the business selection signal is a case in which the second user of the second client 500 (transfer applicant) selects one business from among the business list transmitted to the second client 500 by the user management module 310. means a signal generated by the second client 500. That is, the chatting support module 330 responds to the business selection of the second user of the second client 500, and the second user of the second client 500 wishes to transfer through the business transaction platform of the present invention. A chatting interface may be established in the first client 400 corresponding to the business entity. Users of the first client 400 and the second client 500 may exchange conversations and files through an opened chatting interface.

The payment support module 340 may provide an escrow payment service when a business transaction (transfer or transfer) between the first client 400 and the second client 500 is determined. Escrow payment means that a reliable neutral third party mediates between a seller and a buyer to transact money or goods during commercial transactions. For this escrow service, the security of transaction data exchanged between the seller and the buyer must be secured. To this end, the verification module 320 may encrypt financing information provided from the second client 500 . The financing information may include financial information of the second user (transferee) provided from the second client 500, for example, information on remittance amount, information on payment method, information on credit transaction, and the like. The credit transaction information may include credit information of the second user of the second client 500 . In one embodiment, the second user may entrust a deposit to the server 300 through the second client 500 . That is, the server 300 may receive a deposit from the second client 500 . Then, when the second user transmits financing information to the server 300 through the second client 500, the payment for the business transfer can be paid using the entrusted deposit. In addition, the second user (business transferee) may transmit financing information including information on credit transaction to the server 300 through the second client 500 . When the second user transmits order information to the server 300 through the second client 500, the payment for the order information can be later paid based on the credit transaction information included in the financing information. there is.

The database 350 may store various document forms required for business transfer and acquisition. The database 350 may have a general data structure implemented in a storage space (hard disk or memory) of a computer system using a database management program (DBMS). The database 350 may be the same as or similar to the database described with reference to FIG. 1 .

The configuration of the server 300 shown in FIG. 4 is not necessarily essential, and some configurations may be omitted or other configurations not shown in FIG. 4 may be added as needed. That is, the configuration shown in FIG. 4 is for convenience of explanation, but embodiments are not limited thereto. Those skilled in the art will be able to modify and practice the embodiments of the present invention without departing from the scope of the present invention.

5 is a flowchart illustrating the operation of a business transaction platform according to an embodiment of the present invention.

Referring to FIG. 5 , first, the user management module 310 and the verification module 320 of the server 300 each receive business information from the first client 400 (S501).

The verification module 320 individually de-identifies element information including personal information such as contact information among a plurality of element information included in business information (S503).

The user management module 310 generates a business list based on business information in which some elements are de-identified (S505), and transmits it to the second client 500 (S507).

In addition, the verification module 320 receives business financial information from the first client 400 (S509). The verification module 320 verifies business entity financial information to confirm authenticity, generates business entity verification information (S511), and delivers it to the second client 500 (S513). A method of verifying the business entity financial information by the verification module 320 will be described in detail below.

The second client 500 selects one of a plurality of businesses included in the business list and generates a business selection signal, and the chatting support module 330 receives the business selection signal from the second client 500 (S515 ), implements a chatting interface capable of conversation between the first client 400 and the second client 500 (S517). Through the implemented chat interface, the user of the first client 400 (a person who wants to transfer the business) and the user of the second client 500 (a person who wants to transfer the business) can freely communicate.

During a conversation between the first client 400 and the second client 500, if necessary, the database 350 transfers the contract document form to the second client 500 (S519). The second client 500 receives the contract document form, creates a first subscription document filled with the blanks of the contract document form, and transmits it to the verification module 320 (S521). The verification module 320 encrypts the first subscription document and transmits it to the first client 400 (S523). The first client 400 receives the first subscription document, modifies the first subscription document, generates a second subscription document, and transmits the second subscription document to the verification module 320 (S525). The verification module 320 encrypts the second subscription document and transmits it to the second client 500 (S527). The user of the second client 500 can confirm the conclusion of the contract if there is no abnormality after checking the second subscription document. The second client 500 generates a contract conclusion notification signal and transmits it to the payment support module 340 and the first client 400 (S529).

When receiving a contract conclusion notification from the second client 500, the first client 400 may output a post support service selection interface (S531). When the first client 400 selects a post support service, the chat support module 330 implements a post support service interface between the first client 400 and the second client 500 (S533).

The business transaction platform implemented by the server 300 may provide post-support services. The post-support service refers to a service in which a business transferor supports a business transferee for a certain period of time so that a transferee who purchases (acquisitions) a business through a business transaction platform can continue the business smoothly. The chatting support module 330 of the server 300 implements a post support service interface so that the business transferee and the business transferor can freely communicate. In addition, the business transaction platform may provide a reward for post-support services to the business transferor. In one embodiment, the business transaction platform may provide an amount equivalent to 3% of the amount of the business transaction as a reward to the business transferor. That is, the business transaction platform according to an embodiment of the present invention may promote the use of the post-support service by providing a certain incentive to the business transferor to actively participate in the post-support service.

6 is a flowchart illustrating a business entity financial information verification process according to an embodiment of the present invention. 7 is a graph for explaining the activation index of businesses.

Unlike the manufacturing companies described above, it can be difficult for businesses that distribute products or services through online distribution channels such as open markets to provide standardized financial information such as financial statements. Accordingly, it is necessary to present an indicator that can objectively check the financial status of the business to the transferee who wants to transfer the business through the business transaction platform according to an embodiment of the present invention. Here, it will be described as an example that a business traded through a business transaction platform according to an embodiment of the present invention is a seller account (or an online shopping mall company) opened through an online distribution channel such as an open market. Each operation (configuration) shown in FIG. 6 is not necessarily essential, and some operations may be omitted or other operations not shown in FIG. 6 may be added as needed.

The verification module 320 may generate business verification information by verifying business financial information provided from the first client 400 . The business verification information may include an activation index of the business.

Referring to FIG. 6 , in order to verify the business financial information provided from the first client 400 , the verification module 320 is based on the business information provided from the first client 400 , and the financial information corresponding to the business financial information. Information may be requested from an external server (S610). Here, the external server may be a portal site server for disclosing corporate financial information, such as a Korean Statistical Information Service (KOSIS) or a Data Analysis, Retrieval and Transfer System (DART). The verification module 320 may compare the financial information provided from the external server with the business financial information provided from the first client 400 to determine whether they match (S620).

In one embodiment, the verification module 320 may calculate an activation index corresponding to the business of the first client 400 . The activation index may be an index indicating the degree of activation of a seller account opened in a corresponding online distribution channel or an online shopping mall company, when the business is related to a business providing distribution of goods or services through an online distribution channel. For example, when a business is an independent online shopping mall, the activation index may be proportional to the number of accounts (subscribers) registered in the shopping mall. Alternatively, in the case of seller accounts opened in the open market, it may be proportional to the number of user accounts that have 'steamed' the seller. Here, 'steaming' is a function provided by the corresponding open market, and when a corresponding seller is steamed, a product-related message such as a discount or coupon transmitted by the seller is received. If a business traded through a business transaction platform is a Social Network Service (SNS) account, the activation index may be proportional to the number of followers of the corresponding SNS account. In this specification, 'the number of accounts registered to a business' is a term collectively referring to the number of accounts (subscribers) registered in an online shopping mall, the number of user accounts that have 'steamed' a seller account opened in an open market, the number of followers of an SNS account, etc. can be used as That is, the activation index may have a meaning as an index reflecting the actual commercial value of the business, apart from the sales of the business registered in the online e-commerce environment.

In one embodiment, the verification module 320 sends a response request for each account registered to the business of the first client 400 through the first client 400 in order to filter out false accounts or inactive accounts. can be sent Here, the response request is a signal transmitted individually for each account registered to the corresponding business entity, and may correspond to a request for entering an authentication number. The verification module 320 may transmit a response request for each account registered to the business of the first client 400, and calculate a response index based on the number of accounts for which a response is received and the number of accounts registered in the business. Yes (S630).

In one embodiment, the verification module 320 may calculate a unique standard deviation average by tracking the change over time in the number of accounts registered with the business (S640). Referring further to FIG. 7 , the verification module 320 may plot a variation model of the number of accounts registered to a business in a time interval equal to or greater than the critical interval. The verification module 320 may calculate the number of accounts registered with the business at each of a finite number of points in time according to a preset time interval. The plurality of viewpoints may include a first viewpoint, a second viewpoint following the first viewpoint, a third viewpoint following the second viewpoint, ??, an n-th viewpoint following the n-1th viewpoint. Here, a time interval between the first time point and the second time point, a time interval between the second time point and the third time point, and a time interval between the n−1 th time point and the n th time point may be the same. The verification module 320 determines the number of accounts registered with the business at the first time (f1), the number of accounts registered with the business at the second time (f2), ??, the number of accounts registered with the business at the nth time ( f(n)) can be calculated respectively. The verification module 320 determines the number of accounts registered with the business at the first time (f1), the number of accounts registered with the business at the second time (f2), ??, the number of accounts registered with the business at the nth time (f( n)) can calculate the standard deviation on each basis.

In one embodiment, the verification module 320 may assign a higher weight to the number of accounts registered with the business at the preceding point in time to calculate the unique standard deviation average. The verification module 320 may assign a higher weight to the number of accounts registered with the business at a preceding point in time to calculate an average of the number of accounts registered with the business at each point in time. The weight given to the number of accounts registered to the business at each point in time can be expressed as a monotone decreasing sequence. That is, the verification module 320 may assign different weights to the number of accounts registered to a business at each point in time using a weight sequence.

The verification module 320 may calculate the average of the number of accounts registered to the business at each point in time using [Equation 3]. In [Equation 3], A is the average number of accounts registered to the business at each time point, k and n are natural numbers for specifying each time point, f(k) is the number of accounts registered to the business at time k, a_k may be a weight sequence.

The verification module 320 may calculate an average of the number of accounts registered to the business at each point in time, and calculate an average standard deviation of the number of accounts registered to the business based on the average.

The verification module 320 may calculate the activation index of the business based on the response index and the unique average standard deviation (S650).

The verification module 320 may calculate an activation index using [Equation 4]. In [Equation 4], V_active is an activation index, %r is a response index, f is the number of accounts registered in a business, c is a correction factor, and s(f,t) may mean a unique standard deviation average.

The verification module 320 may provide the calculated activation index to the second client 500 .

In one embodiment, verification module 320 may use an index correction model to revise the activation index of a business. To this end, the exponential correction model may include an input layer, one or more hidden layers, and an output layer. The exponential correction model may be trained in advance to accurately correct the activation exponent through a learning process. To this end, in a learning process, a plurality of learning data about activation exponents may be input to an input layer of an exponential correction model, pass through one or more hidden layers and an output layer, and an output vector may be output. The output vector may be input to a loss function layer connected to the output layer. The loss function layer may output a loss value using a loss function that compares an output vector with a correct answer vector for each training data. Parameters of the exponential correction model may be learned in a direction in which a loss value becomes smaller.

For example, the loss function can calculate a loss value according to [Equation 5]. In [Equation 5], N is the number of learning data, n is a natural number identifying the learning data, k is a natural number identifying the value of the nth learning data, nk is the kth value of the nth learning data , t may mean correct answer data, y may mean an output vector, and E may mean a loss value.

Alternatively, the loss function may calculate a loss value according to [Equation 6]. In [Equation 6], n is the number of training data for each class, y and j are identifiers representing classes, C is a constant value, M is the number of classes, x_y is the probability that the training data belongs to class y, x_j is learning A probability value, L, that data belongs to class j may mean a loss value.

To this end, the verification module 320 may include an artificial intelligence machine learning model. When the server 300 is implemented as hardware, the verification module 320 may include a hardware structure specialized for processing the machine learning model. Machine learning models can be created through artificial intelligence machine learning.

The machine learning algorithm may include, for example, supervised learning, unsupervised learning, semi-supervised learning or reinforcement learning, but the foregoing example not limited to The artificial intelligence model may include a plurality of artificial neural network layers. Artificial neural networks include deep neural networks (DNNs), convolutional neural networks (CNNs), recurrent neural networks (RNNs), restricted boltzmann machines (RBMs), deep belief networks (DBNs), bidirectional recurrent deep neural networks (BRDNNs), It may be one of deep Q-networks or a combination of two or more of the foregoing, but is not limited to the foregoing examples. The artificial intelligence model may include, in addition or alternatively, software structures in addition to hardware structures.

As described above, the business transaction platform system according to an embodiment of the present invention can calculate and provide practical values for various businesses based on online e-commerce by calculating and providing the activation index of businesses. A person wishing to purchase a business will be able to decide whether or not to purchase the business by referring to the business activation index along with financial indicators such as sales of the business.

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.

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. You can command the device. 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. 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.

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.

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 (5)

Receive business information and business financial information from a first client, wherein the business information includes at least one element information of type, location, company type, establishment date, representative, and contact information, and the business financial information includes capital, sales , includes information on at least one of total liabilities, net income, and sales amount;
By a verification module, one or more of the element information including personal information is selected and de-identified from among the business information, and by a user management module, some element information from the verification module is de-identified based on the business information. generating and providing a list of businesses to a second client;
verifying the authenticity of the business financial information provided from the first client to generate business verification information, and providing the business verification information to the second client;
Receiving a business selection signal for selecting one of the businesses included in the business list from the second client;
In response to the business entity selection signal, a chatting interface capable of communicating between the first client and the second client is implemented by a chatting support module;
Selecting any one of a plurality of contract document forms stored in the database and delivering it to the second client, and receiving a first subscription document prepared based on the selected contract document form from the second client;
The verification module encrypts the first subscription document and transmits it to the first client, receives a second subscription document prepared based on the encrypted first subscription document from the first client, and receives the second subscription document from the first client. Encrypting the document and delivering it to the second client;
Receiving a contract conclusion notification from the second client, and outputting a post support service selection interface by the first client in response to the contract conclusion notification;
Implementing, by the chatting support module, a post-support service interface capable of communicating between the first client and the second client;
Generating the business verification information,
Requesting financial information corresponding to the business financial information from an external server based on the business information provided from the first client;
Comparing the financial information provided from the external server with the business financial information provided from the first client to determine whether they match;
Generating business verification information based on the match,
Generating the business verification information,
Through the first client, a response request is transmitted for each account registered in the business of the first client, and a response is made based on the number of accounts for which a response to the response request is received and the number of accounts registered in the business. Calculate the index,
Calculate a unique standard deviation average by tracking the change over time in the number of accounts registered with the business;
Calculating an activation index of the business based on the response index and the unique standard deviation average;
<mathematical expression>

The activation index is calculated by the above equation, where V_active is the activation index, %r is the response index, f is the number of accounts registered in the business, c is the correction factor, and s(f,t) is unique mean standard deviation mean,
AI-based business trading platform system. delete delete According to claim 1,
The business verification information includes an encryption block in which the business financial information is encrypted;
By the verification module, first input data for the unique identification information of the first client is extracted, second input data for the business financial information provided from the first client is extracted, and the first input data is extracted. vectorizing the second input data into a virtual space and generating the encryption block based on a distance between a first input data vector and a second input data vector in the virtual space;
AI-based business trading platform system. According to claim 1,
Further comprising correcting the activation index using an exponential correction model,
The exponential correction model includes an input layer, one or more hidden layers and an output layer;
A plurality of training data related to the activation index is input to the input layer of the exponential correction model and passes through the one or more hidden layers and output layers to output an output vector, and the output vector is a loss function layer connected to the output layer , and the loss function layer outputs a loss value using a loss function that compares the output vector with the correct answer vector for each training data, and the parameters of the exponential correction model are in the direction in which the loss value decreases. learned,
AI-based business trading platform system.

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