KR20230060445A - Method for collecting and processing supply chain data and apparatus for performing the method - Google Patents

Abstract

The present invention relates to a supply chain data collection and processing method and a device for performing the method. Provided is a supply chain data collection and processing method, which includes the steps of: collecting, by a supply chain data collection unit, supply chain data; and creating, by a supply chain data processing unit, financial service reference data for a seller based on the supply chain data, wherein financial services reference data can be created based on the supply chain data for the seller, a seller group, a product, or a product group.

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 the method. More specifically, it relates to a method for collecting and processing supply chain data for providing financial services based on data generated on a supply chain, and an apparatus for performing the 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 growing by more than 20% every year to 160 trillion won in 2020. Sellers (or sellers) selling goods in the e-commerce market have a business cycle in which goods are purchased, stored in a warehouse, and delivered to customers through delivery companies when orders come in. Demand for funds is a structure that occurs moment by moment across the entire supply chain, but currently, financial services considering the supply chain are not provided. Even if financial services are provided in consideration of the supply chain, trade receivables, which can be secured as collateral on a very small part of the supply chain, are limited in the scope of transfer.

Therefore, sellers currently receive financial services based on information rather than data on the supply chain. Sole proprietors receive financial services based on their income and credit information from debt and delinquency records. Alternatively, corporate operators rely on VAT and accounting information to receive financial services if they are not at the level of listed companies and externally audited corporations. Current methods of providing financial services have limitations in meeting the various financial demands that arise in the course of sellers' business operations. Therefore, by considering numerous supply chain data such as product purchases, inventory holding period, sales turnover rate, return information, number of e-commerce transactions, etc., which are created on the supply chain, financial services targeting sellers in the e-commerce market are considered. Research on methods for providing services is needed.

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

In addition, an object of the present invention is to provide various financial services to sellers based on supply chain data generated on a supply chain.

In addition, an object of the present invention is to provide more diverse financial services to sellers with better conditions by considering characteristics of sellers, seller groups, products, and product groups based on supply chain data generated on the supply chain.

Representative configurations of the present invention for achieving the above object are as follows.

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

Meanwhile, 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, and the first supply chain data is data generated when the product is produced, manufactured, or purchased. 2 Supply chain data is data generated when a warehouse service or fulfillment service for the product is provided, and the third supply chain data is data generated when a distribution service for the product is provided. Data, each of 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, 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 for the product.

The supply chain data processing unit includes a data classification unit and a data filtering unit, wherein the data classification unit is implemented to classify the supply chain data based on a seller, a seller group, a product, and a product group, respectively, and the data filtering unit is configured to classify the supply chain data. The financial service reference data may be generated by filtering the supply chain data based on 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 processor may be included, wherein the financial service reference data may be generated based on the supply chain data for the seller, seller group, product or product group.

Meanwhile, 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, and the first supply chain data is data generated when the product is produced, manufactured, or purchased. 2 Supply chain data is data generated when a warehouse service or fulfillment service for the product is provided, and the third supply chain data is data generated when a distribution service for the product is provided. Data, each of 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, 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 for the product.

The supply chain data processing unit includes a data classification unit and a data filtering unit, wherein the data classification unit is implemented to classify the supply chain data based on a seller, a seller group, a product, and a product group, respectively, and the data filtering unit is configured to classify the supply chain data. The financial service reference data may be generated by filtering the supply chain data based on 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, based on supply chain data generated on the supply chain, more diverse financial services can be provided to sellers with better conditions by considering characteristics of sellers, seller groups, products, and product groups.

1 is a conceptual diagram illustrating a supply chain data management device according to an embodiment of the present invention.
2 is a conceptual diagram illustrating the operation of a supply chain data collection unit according to an embodiment of the present invention.
3 is a conceptual diagram illustrating the operation of a supply chain data collection unit according to an embodiment of the present invention.
4 is a conceptual diagram illustrating the 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 The detailed description of the present invention which follows refers to the accompanying drawings which illustrate, by way of illustration, specific embodiments in which the present invention may be practiced. These embodiments are described in sufficient detail to enable any person skilled in the art to practice the present invention. It should be understood that the various embodiments of the present invention are different from each other but are not necessarily mutually exclusive. For example, specific shapes, structures, and characteristics described herein may be implemented from one embodiment to another without departing from the spirit and scope of the present invention. It should also 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. Therefore, the detailed description to be described later is not performed in a limiting sense, and the scope of the present invention should be taken as encompassing the scope claimed by the claims and all scopes equivalent thereto. Like reference numbers in the drawings indicate 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 skilled in the art to easily practice the present invention.

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

1 discloses a supply chain data management device for collecting, processing, and managing supply chain data generated on a supply chain.

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 supply chain data 150 generated on the supply chain. The supply chain data 150 may include data generated when a seller's product is produced, manufactured, or purchased, data generated when the product is stored as inventory in a warehouse, and data generated when a product in the warehouse is distributed to a buyer. there is.

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

The supply chain data collection unit 100 may collect supply chain data 150 of each of a plurality of sellers. The supply chain data collection unit 100 may collect supply chain data 150 related to each of a plurality of merchants periodically/non-periodically or when an event occurs.

Also, the supply chain data collection unit 100 may collect external data for financial services. For example, external data that may be collected outside the supply chain may be collected to provide financial services to sellers, such as product price data and product evaluation data.

The supply chain data processing unit 110 may be implemented for pre-processing of the collected supply chain data 150 . The supply chain data processor 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 financial service reference data 190 by filtering data usable for financial services among the supply chain data 150 . For example, the supply chain data processor 110 first filters and extracts the changed supply chain data 150 from among the collected supply chain data 150 and second filters the changed supply chain data 150 to determine the seller's Financial service reference data 190 that can change the financial service may be determined.

For example, when a product is sold and delivered to a buyer among the supply chain data 150, 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 available loan amount may increase or the seller's loan interest rate may decrease. Data that can change a seller's financial service, 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 and 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 . Classified supply chain data 150 may be implemented to provide financial services to merchants. For example, by categorizing sellers selling similar products, analyzing the supply chain data 150 generated in the seller category to classify sellers, or analyzing product sales trends to provide differentiated financial services. You can also provide a service. Such supply chain data 150 may also be provided as financial service reference data 180 to a financial service device.

The supply chain data manager 120 may be implemented to manage the supply chain data 150 . For example, the supply chain data management unit 120 may delete unnecessary supply chain data 150 after a critical validity period has passed among the supply chain data 150 . Also, the supply chain data management unit 120 may be implemented to manage 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 a change in the supply chain data 150 for each seller, an event of the supply chain data 150 has occurred, and the supply chain data 150 It is possible to perform management of the collection cycle of

The processor 130 may be implemented to control 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 the operation of a supply chain data collection unit according to an embodiment of the present invention.

In FIG. 2 , an operation of collecting supply chain data by the supply chain data collection unit is initiated.

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

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

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

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

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 sellers 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 sales products of the seller, sales media (online media selling products, offline stores), sales scale, and the like.

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. A product group is a group including a seller, and the product group may be determined based on a higher category of products (eg, TV, home appliances).

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 sales 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 . Logistics data may include data related to logistics, such as warehouse location data, warehouse arrival time data, warehouse outgoing time data, and warehouse storage period data. Including the first supply chain data 225 , the second supply chain data 265 may include data about when a specific product was stored in a certain warehouse and when it was shipped 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 point data, and product return data.

Some of 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 a seller who receives 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 generate.

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

3 discloses a method for collecting data of each of a plurality of sellers in a supply chain data collection unit.

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 collector.

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

When an event occurs, supply chain data for a product may be updated. For example, when seller A produces product X for 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 product X is sent to a distribution warehouse, second supply chain data 320 for product X obtained by adding logistics data to first supply chain data 310 for product X is generated and transmitted to the supply chain data collection unit. can

When product X is sold, third supply chain data 330 for product X obtained by adding distribution data 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 an update of supply chain data for each subject and product.

To update the supply chain data for each subject, the supply chain data update request is transmitted to multiple seller devices, multiple logistics devices, and multiple distribution devices connected by the supply chain, and multiple seller devices, multiple logistics devices, and multiple distribution devices. Each may transmit updated supply chain data to the supply chain data collector according to a supply chain data update request.

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

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

4 discloses a method in which a supply chain data processing unit processes supply chain data to generate financial service reference data.

Referring to FIG. 4 , the supply chain data processor 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, financial service reference A data generator 480 may be included.

The data storage unit 410 may be implemented for storage of 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 by subject, product, and event can be transmitted by the supply chain data collection unit, and 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 supply chain data based on a seller. The supply chain data includes 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 supply chain data based on seller group. The supply chain data includes 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 on a product basis. The supply chain data includes 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 supply chain data based on product groups. The supply chain data includes product group identification data, and the fourth data classification unit 460 may classify the supply chain data based on the identification data of each product group.

The first data filtering unit 435 may be implemented to generate financial service reference data 490 through filtering on the data classified by the first data classifying unit 430 . The first data filtering unit 435 may filter supply chain data that may be a reference factor when providing financial services to sellers on a seller basis, and transmit the filtered supply chain data to the financial service reference data generator 480 .

The second data filtering unit 445 may be implemented to generate financial service reference data 490 through filtering on the data classified by the second data classifying unit 440 . The second data filtering unit 445 may filter supply chain data that may be a reference factor when providing financial services to sellers on a seller group basis, and transmit the filtered supply chain data to the financial service reference data generator 480 .

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

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

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

For example, the financial service reference data 490 may be basic data for providing a financial service to a seller. Based on the financial service reference data 490, various factors for providing financial services to the seller, such as a loan limit, a loan interest rate, and a loan period, 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. Product group sales change data may be included.

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 , seller reference data 510 is reference data for providing financial services to a seller, such as sales products, sales rates, sales results, returns, etc. based on sales-related data of the seller so far. The seller reference data 510 may be determined based on supply chain data transmitted based on the seller identifier data 515 .

The seller group reference data 520 is reference data for providing financial services to sellers, such as sales products, sales rates, sales results, returns, etc. of the seller group based on sales-related data of the seller group to date. The seller group reference data 520 may be determined based on supply chain data transmitted based on the seller group identifier data 525 .

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

Seller sales change data 550, product sales change data 580, seller group sales change data 560, and product group sales change data 570 are the above-mentioned seller reference data 510 and 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 about changes in the seller's sales and may be data referred to for changes in financial services provided to the seller.

Product sales change data 580 is data about changes in product sales and may be data referred to for changes in financial services provided to sellers.

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

Product group sales change data 570 is data about changes in sales of product groups and may be data referred to for changes in financial services provided to sellers.

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 a 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 the conversion rate of supply chain data.

For example, when supply chain data for a specific seller is converted into first supply chain data, second supply chain data, and third supply chain data relatively quickly, it may be determined that the specific seller's sales rate 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 the specific seller.

When supply chain data for a specific seller group is converted into first supply chain data, second supply chain data, and third supply chain data relatively quickly, 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 seller group sales rate 620 ) of a specific seller group may be determined based on a change in supply chain data for the specific seller group.

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

When supply chain data for a specific product group is converted into first supply chain data, second supply chain data, and third supply chain data relatively quickly, 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 product group sales rate 640 ) of a specific product group may be determined based on a change in supply chain data for the specific product group.

The seller sales rate 610, seller group sales rate 620, product sales rate 630, and product group sales rate 640 are each determined based on changes in supply chain data, but may be determined in different ways.

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

The seller group sales rate 620 is data on the sales flow of the entire 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.

A relative sales rate of the seller to the seller group may be determined through a comparison between the seller group sales rate 620 and the seller sales rate.

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

A relative sales rate between a specific product sold by a seller and other products may be determined by comparing the product sales rate 630 and the seller sales rate 610 .

The product group sales rate 640 is data about 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 a seller and a sales group including the specific product may be determined through a comparison between the product group sales rate 640 and the product sales rate 630 .

Seller characteristics are analyzed through a comparison of seller sales rate 610, seller group sales rate 620, product sales rate 630, and 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 of determining a seller group and a product group for generating financial service reference data.

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

Hereinafter, basic data for seller grouping and product grouping are examples, and various basic data may be used for grouping.

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

For example, in consideration of product characteristics, similar products may be digitized to be matched to a close location, and similar media may be digitized to be matched to a nearby location, considering characteristics of media, and similar sales considering characteristics of sales It can be digitized 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 medium data. Each product may 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 may be mapped on three coordinate axes. there is.

For example, considering the type of product, similar types of products may be digitized to be matched to the nearest location, considering the characteristics of product prices, similar prices may be digitized to be matched to the nearest location, and the characteristics of the product sales medium In consideration, similar sales media can be digitized to be matched to the nearest location.

Coordinate values matching the product data, media data, and sales data of each product on the coordinate axis may correspond, and product groups 750 may be generated in units of clusters 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 seller 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 created based on various data, and financial service reference data for each seller group layer and product group layer may be created.

Hereinafter, basic data forming layers for seller grouping and product grouping are examples, and various basic data may be used for layering.

You can set up a merchant hierarchy to set up a group of merchants on a hierarchy basis. The seller layer may be set according to set criteria. For example, the first seller layer 810 is set based on the characteristics of the product to be sold, and the second seller layer 820 is set based on the medium for selling the product. This is set, and a tertiary seller layer 830 may be set based on sales. Sellers can be classified into n layers in consideration of criteria in this way.

At this time, the seller groups are the seller group (815) based on the 1st seller hierarchy, the seller group (825) based on the 2nd seller hierarchy, the seller group (835) of the 3rd seller hierarchy group, and the seller group (845) of the n-tier seller hierarchy group. ) can be set. In this case, financial service reference data based on the x-th layer may be selectively determined as needed. For example, financial services simulation based on the financial service reference data determined using the primary merchant layer 810, financial service simulation based on the financial service reference data determined using the secondary merchant layer 820, nth merchant layer Different risk-based financial services may be provided through financial service simulation based on the financial service reference data determined using 840 .

In a similar way, product hierarchies can be set to set product groups on a hierarchical basis. The product hierarchy may be set according to set standards. For example, the first product hierarchy 850 is set based on the type of product to be sold, the second product hierarchy 860 is set based on the product price, A third product layer 870 may be set based on product sales. In this way, it is possible to classify sellers into n product classes by considering criteria.

At this time, the product groups are the product group 855 based on the 1st product hierarchy, the product group 865 based on the 2nd product hierarchy, the product group 875 of the 3rd product hierarchy group, and the product group 885 of the nth product hierarchy group. ) can be set. In this case, financial service reference data based on the xth product layer may be selectively determined as needed. For example, financial services simulation based on the financial service reference data determined using the primary product layer 850, financial service simulation based on the financial service reference data determined using the secondary product layer 860, nth product layer Different risk-based financial services may be provided through financial service simulation based on financial service reference data determined using 880 .

This seller group creation method and product group creation method may be expressed in terms of a layer-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 of generating financial service reference data based on a clustering-based group creation method and a hierarchy-based group creation method.

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

First, sellers and products grouped identically by the first group creation method and the second group creation method may be set to the same seller group and the same product group without any change.

Sellers or products corresponding to the seller groups and product groups that are grouped differently based on the first group creation method and the second group creation method consider both the two different seller groups and product groups to generate financial service reference data can be utilized 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, when seller X is included in first seller group A and second seller group B, financial service reference data 950 considering both first seller group A and second seller group B is generated and provided to the seller. It 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. It can be.

When generating the financial service reference data 950, whether the first seller group and the first product group are further considered, the second seller group, and the second product group are further considered is a clustering-based group generation method (910), a hierarchy-based group Based on the generation method 920, it may be determined by receiving feedback based on a result of providing a financial service. Each of the sales group weight and product group weight is adaptively set in consideration of the financial service result feedback, so that the seller group of the seller and the product group of the product may be adaptively changed.

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 on a computer-readable recording medium. The computer readable recording medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the computer-readable recording medium may be specially designed and configured for the present invention, or may be known and usable to those skilled in the art of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tapes, optical recording media such as CD-ROMs and DVDs, and magneto-optical media such as floptical 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 high-level language codes that can be executed by a computer using an interpreter or the like as well as machine language codes generated by a compiler. A hardware device may be modified with one or more software modules to perform processing according to the present invention and vice versa.

Although the present invention has been described above with specific details such as specific components and limited embodiments and drawings, these are only provided to help a more general understanding of the present invention, and the present invention is not limited to the above embodiments, and the present invention Those with ordinary knowledge in the technical field to which the invention belongs may seek various modifications and changes from these descriptions.

Therefore, the spirit of the present invention should not be limited to the above-described embodiments and should not be determined, and all scopes equivalent to or equivalently changed from the claims as well as the claims described below are within the scope of the spirit of the present invention. will be said to belong to

Claims (6)

To collect and process supply chain data,
Collecting supply chain data by a supply chain data collection unit;
Generating, by a supply chain data processing unit, financial service reference data for a seller based on the supply chain data,
Wherein the financial service reference data is generated based on the supply chain data for the seller, seller group, product or product group. According to claim 1,
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 a warehouse service or fulfillment service for the product is provided,
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;
Seller sales rate, seller group sales rate, product sales rate based on 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, A method characterized in that the product group sales rate is determined. According to 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 a seller, a seller group, a product, and a product group, respectively;
The method of claim 1 , wherein the data filtering unit filters the supply chain data based on the seller, the seller group, the product, and the product group to generate the financial service reference data. 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 configured 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. According to claim 4,
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 a warehouse service or fulfillment service for the product is provided,
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;
Seller sales rate, seller group sales rate, product sales rate based on 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, A supply chain data management device characterized in that a product group sales rate is determined. According to 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 a seller, a seller group, a product, and a product group, respectively;
The data filtering unit is configured to generate the financial service reference data by filtering the supply chain data based on the seller, the seller group, the product, and the product group.

Images