KR-102961477-B1 - FINANCIAL INSTITUTION RECOMMENDATION METHOD BASED ON PROMISSORY NOTE TRADING PLATFORM

KR102961477B1KR 102961477 B1KR102961477 B1KR 102961477B1KR-102961477-B1

Abstract

A financial institution recommendation method performed by a financial institution recommendation device based on a bill discount transaction platform according to an embodiment of the present invention comprises: a receiving step of receiving information on a bill of exchange related to the bill of exchange of the receiving company and information on the receiving company regarding the receiving company from a user terminal of the receiving company that has received a bill of exchange; a financial institution derivation step of deriving at least one financial institution capable of trading the bill of exchange based on the information on the bill of exchange of exchange and the information on the receiving company; a financial institution judgment step of deriving information on the expected discount rate and expertise regarding the bill of exchange of the derived financial institution; a financial institution selection step of selecting a recommended financial institution among the one or more financial institutions based on the information on the expected discount rate and expertise; and a financial institution display step of displaying the selected recommended financial institution on the user terminal.

Inventors

신주철
최근훈
이준현

Dates

Publication Date: 20260507
Application Date: 20231127

Claims (13)

In a financial institution recommendation method performed by a financial institution recommendation device based on a bill trading platform, A receiving step of receiving received bill information related to the bill of exchange of said receiving company and receiving company information regarding said receiving company from a user terminal of said receiving company that received the bill of exchange; A financial institution derivation step for deriving at least one financial institution capable of trading the bill based on the above-mentioned bill information and the above-mentioned receiving company information; A financial institution judgment step for deriving expected discount rate information and expertise information regarding the bill of exchange of the aforementioned financial institution; A financial institution selection step for selecting a recommended financial institution among one or more financial institutions based on the above expected discount rate information and the above expertise information; and A financial institution display step that displays a selected recommended financial institution on the user terminal; comprising, A method for recommending financial institutions, comprising the step of selecting a recommended financial institution based on the cosine similarity between a vector value derived by inputting the recipient company information into a natural language processing model and a vector value derived by inputting the expertise information into the natural language processing model.
In paragraph 1, The above-mentioned bill of exchange information includes information regarding the bill amount, date of issue, and date of payment of the bill, and A financial institution recommendation method in which the above-mentioned recipient company information includes at least one of the industry, company size, transaction amount, business history, and location of the above-mentioned recipient company.
In paragraph 2, The above expertise information is a method for recommending a financial institution that includes at least one of the following: the bill discount rate by industry, the bill transaction amount by industry, the total bill transaction amount, the average transaction amount, the business history, and the location of the financial institution.
In paragraph 3, The above financial institution selection step It includes a step of selecting two or more recommended financial institutions based on the above-mentioned expected discount rate information and the above-mentioned expertise information, and The above expertise information further includes information on the maximum bill amount to which the above-mentioned industry-specific bill discount rate can be applied, and A financial institution recommendation method comprising the step of displaying the above financial institution, which, based on the maximum bill amount information for each of the above two or more recommended financial institutions, distributes the discount amount of the bill to the above two or more recommended financial institutions and displays it on the user terminal.
In paragraph 1, A financial institution recommendation method in which the above-mentioned expected discount rate information is information based on the result of inputting at least one of the following into a bill discount prediction model: the financial institution's past bill discount information, the received bill information entered from the user terminal, the receiving company information entered from the user terminal, the auction registration date of the received bill, and the bill discount execution date of the received bill.
In paragraph 5, A financial institution recommendation method in which the above auction registration date corresponds to the time when the user terminal registers an auction for the received bill on the bill trading platform, and the above bill discount execution date corresponds to the time when the user terminal executes a bill discount for the received bill on the bill trading platform.
In paragraph 1, The above receiving step includes the step of receiving preference information from the user terminal, and A method for recommending financial institutions, comprising the step of selecting a recommended financial institution among one or more financial institutions based on the above-mentioned expected discount rate information, the above-mentioned expertise information, and the above-mentioned preference information.
In Paragraph 7, A financial institution recommendation method in which the above preference information is information generated through an interview provided in advance to the above user terminal.
In paragraph 8, Bill transaction review information for each financial institution and the above preference information generated based on previous bill transactions are generated in the form of vector values based on evaluation information input from the user terminal, and A financial institution recommendation method in which the above vector value is a value generated by inputting natural language input from the above user terminal into a natural language processing model.
In Paragraph 9, The above financial institution selection step A method for recommending a financial institution, comprising the step of selecting the recommended financial institution based on the cosine similarity between a vector value corresponding to bill transaction review information of one or more financial institutions generated in a vector form and a vector value corresponding to preference information.
In Paragraph 7, The above financial institution selection step The method includes the step of selecting two or more recommended financial institutions based on the above-mentioned expected discount rate information, the above-mentioned expertise information, and the above-mentioned preference information, and The above financial institution display step A method for recommending financial institutions, comprising the step of displaying the above-mentioned expected discount rate information and the above-mentioned expertise information for each of the above-mentioned recommended financial institutions together with the above-mentioned recommended financial institutions.
In Paragraph 11, The above financial institution display step A method for recommending financial institutions, comprising the step of calculating a recommended bill distribution amount for each recommended financial institution based on the above-mentioned expected discount rate information, the above-mentioned expertise information, and the above-mentioned preference information, and displaying the recommended bill distribution amount together with the above-mentioned recommended financial institution.
In paragraph 1, A method for recommending financial institutions, further comprising the step of the above-mentioned financial institution display step, which visualizes and displays the financial institution derived in the above-mentioned financial institution derivation step, the receiving company, and the bill-issuing company that issued the bill in the form of nodes of a graph, and visualizes and displays the bill issuance and bill transaction relationships between the derived financial institution, the receiving company, and the issuing company in the form of edges of a graph, wherein the edge shape is visualized and displayed such that the thickness or length of the edge varies according to the scale of the bill, the number of issuances, and the number of transactions.

Description

Financial Institution Recommendation Method Based on Promissory Note Trading Platform The present invention relates to a method for recommending a financial institution for bill discounting transactions to a user terminal of a receiving company based on a bill discounting transaction platform. Bill discounting is establishing itself as an important financial product that allows companies to discount bills by securing cash liquidity. In particular, deciding which financial institution to transact with is a critical factor for companies receiving bills, and efficient transactions require an institution that offers reliable and suitable discount rates. Technical recommendation systems and platforms for this purpose can effectively assist in identifying trading partners by quickly finding suitable financial institutions for bill-receiving companies. Furthermore, trust and security are also important factors in bill discounting transactions. By recommending verified financial institutions through financial institution recommendation technology, the reliability of transactions can be enhanced and security guaranteed; this can prevent fraudulent transactions or scams and increase transaction transparency. FIG. 1 is a drawing for explaining a bill discounting transaction system based on a bill discounting transaction platform according to one embodiment of the present invention. FIG. 2 is a flowchart illustrating a financial institution recommendation method performed by a financial institution recommendation device based on a bill discount transaction platform according to one embodiment of the present invention. FIG. 3 is a drawing for illustrating information related to bill discount transactions displayed on a user terminal according to an embodiment of the present invention. Embodiments of the present invention are described below with reference to the attached drawings so that those skilled in the art can easily implement the invention. However, the present invention may be embodied in various different forms and is not limited to the embodiments described herein. Furthermore, in order to clearly explain the present invention in the drawings, parts unrelated to the explanation have been omitted, and similar parts throughout the specification are denoted by similar reference numerals. Throughout the specification, when a part is described as being "connected" to another part, this includes not only cases where they are "directly connected" but also cases where they are "electrically connected" with other elements interposed between them. Furthermore, when a part is described as "including" a component, this means that, unless specifically stated otherwise, it does not exclude other components but may include additional components, and it should be understood that this does not preclude the existence or addition of one or more other features, numbers, steps, actions, components, parts, or combinations thereof. In this specification, the term "part" includes a unit realized by hardware, a unit realized by software, and a unit realized using both. Additionally, one unit may be realized using two or more hardware, and two or more units may be realized by one hardware. Some of the operations or functions described in this specification as being performed by a terminal or device may instead be performed by a server connected to said terminal or device. Likewise, some of the operations or functions described as being performed by a server may also be performed by a terminal or device connected to said server. An embodiment of the present invention will be described in detail below with reference to the attached drawings. FIG. 1 is a drawing for explaining a bill discounting transaction system based on a bill discounting transaction platform according to one embodiment of the present invention. Referring to FIG. 1, the bill transaction system may include a receiving company (100), a user terminal (110), a financial institution recommendation device (200), a bill discount transaction platform (210), a financial institution (300), and a financial institution terminal (310). The receiving company (100) is a company that receives a promissory note issued by a promissory note issuing company (not shown), and may mean a company that receives payment specified on the promissory note on the maturity date specified on the promissory note. An employee or executive in charge of the promissory note discount transaction at the receiving company (100) may access the promissory note discount transaction platform (210) of the financial institution recommendation device (200) through the user terminal (110) of the receiving company. In the present invention, for convenience, the person who received the promissory note is defined as the receiving company (100), but the receiving company (100) may mean an individual or natural person who received the promissory note. The bill-issuing company (not shown) may refer to a company that has i