WO2023153681A1 - Procédé d'évaluation de crédit basé sur des données de bout en bout générées pendant l'achat, la vente, l'inventaire, la logistique, la distribution et le règlement d'une solution de commerce électronique, et appareil pour la mise en œuvre dudit procédé - Google Patents

Procédé d'évaluation de crédit basé sur des données de bout en bout générées pendant l'achat, la vente, l'inventaire, la logistique, la distribution et le règlement d'une solution de commerce électronique, et appareil pour la mise en œuvre dudit procédé Download PDF

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Publication number
WO2023153681A1
WO2023153681A1 PCT/KR2023/001174 KR2023001174W WO2023153681A1 WO 2023153681 A1 WO2023153681 A1 WO 2023153681A1 KR 2023001174 W KR2023001174 W KR 2023001174W WO 2023153681 A1 WO2023153681 A1 WO 2023153681A1
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WO
WIPO (PCT)
Prior art keywords
data
credit evaluation
seller
basic
credit
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PCT/KR2023/001174
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English (en)
Korean (ko)
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강정석
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주식회사 에이젠글로벌
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Publication of WO2023153681A1 publication Critical patent/WO2023153681A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06N—COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS
    • G06N20/00—Machine learning
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0201—Market modelling; Market analysis; Collecting market data
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the object of the present invention is to solve all of the above problems.
  • the credit evaluation method based on end-to-end data generated in the process of purchasing, selling, inventory, logistics, distribution, and settlement of an e-commerce solution is provided by the credit evaluation basic data collection unit for the seller's credit evaluation.
  • Collecting basic credit rating data Step of pre-processing the collected basic credit rating data by a credit rating basic data pre-processing unit; calculating the credit rating of the seller based on the pre-processed basic credit rating data by a credit rating basic data learning unit; generating an artificial intelligence engine for the above and determining credit evaluation data of the seller based on the artificial intelligence engine by a credit rating unit, but in an e-commerce solution, the credit evaluation basic data generated over the entire process It can be processed by classifying it into three basic credit rating data (production), credit rating basic data (distribution), and credit rating basic data (sales).
  • the credit evaluation data may be determined using the credit evaluation basic data based on the first type data, the second type data, and the third type data.
  • a customized financial service can be provided to a seller through filtering to eliminate redundancy between current data and predicted data generated on the ECS and grouping in consideration of reliability for each data.
  • FIG. 9 is a conceptual diagram illustrating the operation of a credit evaluation unit according to an embodiment of the present invention.
  • the credit evaluation basic data preprocessing unit 120 may be implemented to preprocess the collected credit evaluation basic data.
  • the basic credit evaluation data may be preprocessed and used for learning of an artificial intelligence engine for credit evaluation, or may be used for credit evaluation of a seller.
  • the processor 160 operates the credit evaluation basic data collection unit 110, the credit evaluation basic data pre-processing unit 120, the credit evaluation basic data learning unit 130, the credit evaluation unit 140, and the financial service unit 150. can be implemented to control.
  • the sales management platform includes an order management system (OMS) 210, an enterprise resource planning (ERP) 220, a warehouse management system (WMS) 230, and an E-commerce solution (ECS) 240. etc. may be included.
  • OMS 210
  • ERP enterprise resource planning
  • WMS warehouse management system
  • ECS E-commerce solution
  • OMS 210
  • ERP enterprise resource planning
  • WMS warehouse management system
  • ECS E-commerce solution
  • FIG. 5 is a conceptual diagram illustrating a first preprocessing (a seller) according to an embodiment of the present invention.
  • a first pre-processing may be selectively performed to learn the plurality of artificial intelligence engines included in the credit evaluation basic data learning unit.
  • the corresponding artificial intelligence engine may be determined as the secondary candidate artificial intelligence engine 1160 .
  • the first OMS data time scale 1550 may be determined based on the first distribution cycle data for product 1, the distribution cycle data for product 2, and the third distribution cycle data for product 3.
  • each of the product warehousing management data 1710, product release management data 1720, and product inventory management data 1730 includes credit rating basic data (distribution) 1740 and credit rating basic data (sales) 1750 It may be pre-processed and generated as first pre-processed credit evaluation data.
  • Each of the predicted product sales revenue data (product sales cycle data) 2070 and the predicted product sales revenue data (product sales data) 2080 takes into account the aforementioned second data reliability 2060, respectively. In determining the credit evaluation data of the weight can be determined.
  • the e-commerce solution may generate credit evaluation basic data based on data generated in a seller's sales process.
  • the first type data, the second type data, and the third type data at the current time based on the seller's loan start time are the first type data (current) 2210 and the second type data (current) 2220 and third type data (current) 2230.
  • the third data group 2330 includes prediction data (first-type data (prediction), second-type data (prediction), and third-type data (prediction)) that is not based on current data and is directly generated as predicted data. can do. That is, the third data group may include prediction data generated without current data.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Marketing (AREA)
  • General Business, Economics & Management (AREA)
  • Human Resources & Organizations (AREA)
  • Tourism & Hospitality (AREA)
  • Game Theory and Decision Science (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Software Systems (AREA)
  • Data Mining & Analysis (AREA)
  • Technology Law (AREA)
  • Artificial Intelligence (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Evolutionary Computation (AREA)
  • Medical Informatics (AREA)
  • Educational Administration (AREA)
  • Computing Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Mathematical Physics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un procédé d'évaluation de crédit basé sur des données de bout en bout générées pendant l'achat, la vente, l'inventaire, la logistique, la distribution et le règlement d'une solution de commerce électronique, et un appareil pour mettre en œuvre le procédé. Le procédé d'évaluation de crédit basé sur des données de bout en bout générées pendant l'achat, la vente, l'inventaire, la logistique, la distribution et le règlement d'une solution de commerce électronique peut comprendre : une étape au cours de laquelle une unité de collecte de données brutes d'évaluation de crédit collecte des données brutes d'évaluation de crédit pour une évaluation de crédit du vendeur ; une étape au cours de laquelle une unité de prétraitement de données brutes d'évaluation de crédit prétraite les données brutes d'évaluation de crédit collectées ; une étape au cours de laquelle une unité d'apprentissage de données brutes d'évaluation de crédit génère un moteur d'intelligence artificielle pour l'évaluation de crédit du vendeur sur la base des données brutes d'évaluation de crédit prétraitées ; et une étape au cours de laquelle une unité d'évaluation de crédit détermine des données d'évaluation de crédit du vendeur sur la base du moteur d'intelligence artificielle.
PCT/KR2023/001174 2022-02-14 2023-01-26 Procédé d'évaluation de crédit basé sur des données de bout en bout générées pendant l'achat, la vente, l'inventaire, la logistique, la distribution et le règlement d'une solution de commerce électronique, et appareil pour la mise en œuvre dudit procédé WO2023153681A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR1020220018718A KR102464995B1 (ko) 2022-02-14 2022-02-14 이커머스 솔루션의 구매, 판매,　재고,　물류,　유통,　정산 과정에서 발생하는　엔드 투 엔드 데이터 기반의 신용 평가 방법 및 이러한 방법을 수행하는 장치
KR10-2022-0018718 2022-02-14

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WO2023153681A1 true WO2023153681A1 (fr) 2023-08-17

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PCT/KR2023/001174 WO2023153681A1 (fr) 2022-02-14 2023-01-26 Procédé d'évaluation de crédit basé sur des données de bout en bout générées pendant l'achat, la vente, l'inventaire, la logistique, la distribution et le règlement d'une solution de commerce électronique, et appareil pour la mise en œuvre dudit procédé

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WO (1) WO2023153681A1 (fr)

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102464995B1 (ko) * 2022-02-14 2022-11-09 주식회사 에이젠글로벌 이커머스 솔루션의 구매, 판매,　재고,　물류,　유통,　정산 과정에서 발생하는　엔드 투 엔드 데이터 기반의 신용 평가 방법 및 이러한 방법을 수행하는 장치

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101410209B1 (ko) * 2011-12-19 2014-06-23 주식회사 한국무역정보통신 화주중심의 물류거점 최적화시스템
KR20160084102A (ko) * 2015-01-05 2016-07-13 에스케이플래닛 주식회사 정기구매 상품 추천 서비스 제공 시스템 및 방법, 그리고 이를 위한 장치 및 컴퓨터 프로그램이 기록된 기록매체
KR20210011900A (ko) * 2019-07-23 2021-02-02 주식회사 로니에프앤 대출 정보 공유 방법 및 시스템
KR20210058229A (ko) * 2019-11-13 2021-05-24 주식회사 콜로세움코퍼레이션 재고 및 판매량 분석을 통한 단기 신용 대출 방법 및 서버
KR102322142B1 (ko) * 2020-12-31 2021-11-04 김정현 지류 유통 및 공정 관리를 위한 플랫폼을 제공하는 장치 및 방법
KR102464995B1 (ko) * 2022-02-14 2022-11-09 주식회사 에이젠글로벌 이커머스 솔루션의 구매, 판매,　재고,　물류,　유통,　정산 과정에서 발생하는　엔드 투 엔드 데이터 기반의 신용 평가 방법 및 이러한 방법을 수행하는 장치

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101410209B1 (ko) * 2011-12-19 2014-06-23 주식회사 한국무역정보통신 화주중심의 물류거점 최적화시스템
KR20160084102A (ko) * 2015-01-05 2016-07-13 에스케이플래닛 주식회사 정기구매 상품 추천 서비스 제공 시스템 및 방법, 그리고 이를 위한 장치 및 컴퓨터 프로그램이 기록된 기록매체
KR20210011900A (ko) * 2019-07-23 2021-02-02 주식회사 로니에프앤 대출 정보 공유 방법 및 시스템
KR20210058229A (ko) * 2019-11-13 2021-05-24 주식회사 콜로세움코퍼레이션 재고 및 판매량 분석을 통한 단기 신용 대출 방법 및 서버
KR102322142B1 (ko) * 2020-12-31 2021-11-04 김정현 지류 유통 및 공정 관리를 위한 플랫폼을 제공하는 장치 및 방법
KR102464995B1 (ko) * 2022-02-14 2022-11-09 주식회사 에이젠글로벌 이커머스 솔루션의 구매, 판매,　재고,　물류,　유통,　정산 과정에서 발생하는　엔드 투 엔드 데이터 기반의 신용 평가 방법 및 이러한 방법을 수행하는 장치

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KR102464995B1 (ko) 2022-11-09

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