Gold Silver Radish Bidding Business Model System for Precious Metals Resale

Abstract

The present invention relates to a competitive bidding business model system for gold and silver shops for the resale of precious metals. More specifically, the invention relates to a system in which a customer applies for a market price bid by selecting photos, other information, and requests via an application for the resale of precious metals, and merchants (gold and silver shop owners) who meet the customer's transaction conditions bid on the market price of gold available for purchase, so that the customer can finally select the bidding merchant they like best and conduct a transaction to purchase precious metals at a pre-agreed market price and conditions. When the bid price is determined by inputting various conditions including photos as shown in the image, a reservation deposit is deducted from the registered customer's payment method, similar to the business method of a restaurant reservation application, and when the customer visits the actual bidding gold and silver shop for the transaction, the merchant owner verifies the customer's identity and processes the return of the reservation deposit, thereby preventing no-shows.

Description

Technology Field

[0001] The present invention relates to a competitive bidding business model system for gold and silver shops for the resale of precious metals. More specifically, the invention relates to a system in which a customer applies for a market price bid by selecting photos, other information, and requests via an application for the resale of precious metals, and merchants (gold and silver shop owners) who meet the customer's transaction conditions bid on the market price of gold available for purchase, so that the customer can finally select the bidding merchant they like best and conduct a transaction to purchase precious metals at a pre-agreed market price and conditions. When the bid price is determined by inputting various conditions including photos as shown in the image, a reservation deposit is deducted from the registered customer's payment method, similar to the business method of a restaurant reservation application, and when the customer visits the actual bidding gold and silver shop for the transaction, the merchant owner verifies the customer's identity and processes the return of the reservation deposit, thereby preventing no-shows. Background Technology

[0002] The precious metals resale market is continuously growing, but various problems still persist. In particular, a lack of transparency in the trading process, information asymmetry, and inefficient trading methods are cited as major issues.

[0003] In existing systems, it was difficult to accurately assess the condition of the precious metals held by sellers. In most cases, an accurate evaluation was only possible if the seller personally visited a jewelry store and presented the metals. This became a factor that required unnecessary time and effort from the seller.

[0004] For example, in order to accurately convey the condition or characteristics of a gold ring to be sold, it was necessary to visit multiple jewelry stores individually, and this process took a significant amount of time. Furthermore, since evaluation standards varied from store to store, it was difficult to receive a consistent evaluation.

[0005] In addition, sellers had to visit multiple jewelry stores to receive the best price for their precious metals. This not only resulted in a waste of time and effort, but also frequently caused them to miss out on opportunities for better deals due to geographical limitations.

[0006] In the existing system, the problem of 'no-shows,' where sellers make a transaction appointment with a jewelry store but fail to fulfill it, occurred frequently. This resulted in a waste of time and opportunity costs for jewelry store operators and, consequently, became a factor that increased market inefficiency.

[0007] For example, there were cases where a jewelry store operator spent time and preparation for a high-value precious metal transaction, but missed other transaction opportunities during that time because the seller did not appear. This acted as a factor that lowered the willingness of jewelry store operators to participate in the precious metal resale market.

[0008] To address these issues, the need has emerged for a new business model that combines an image-based bidding system capable of accurately conveying the condition of precious metals with a mechanism to prevent reservation non-fulfillment. This is expected to enhance transaction efficiency and boost the trust of market participants, thereby promoting the sound development of the precious metals resale market. The problem to be solved

[0009] The present invention sets four major objectives to solve the problems of existing precious metal resale systems.

[0010] As the first objective, the present invention aims to improve the accuracy of determining the condition of precious metals by providing a method to accurately convey the condition of the precious metals held by the seller. The realization of this objective is expected to reduce unnecessary visits and the resulting waste of time by enabling the seller to clearly know the condition of the precious metals in advance.

[0011] Secondly, the present invention aims to establish an efficient price comparison system that allows sellers to easily compare quotes from multiple jewelry stores. By providing such a price comparison platform, sellers can compare multiple quotes in real time and easily find the most reasonable and favorable transaction conditions.

[0012] As a third objective, the present invention aims to introduce a mechanism to prevent non-fulfillment of reservations, or no-shows, in order to enhance the reliability of scheduled transaction commitments. The establishment of this no-show prevention system will ensure that the promised transaction between the seller and the buyer is faithfully executed, thereby preventing the waste of time and opportunity costs.

[0013] Finally, the present invention aims to enhance transaction reliability by transparently managing the entire transaction process, while simultaneously boosting trust between both the seller and the buyer. By ensuring such transaction transparency, the entire process is conducted fairly, enabling users to proceed with transactions with greater peace of mind. means of solving the problem

[0014] To achieve the above objectives, one embodiment of the present invention comprises a competitive bidding system for jewelry stores for the resale of precious metals, comprising a user terminal, a plurality of merchant terminals, and a central server. In this embodiment, the user terminal includes a user interface for receiving precious metal information and transaction conditions from a user, and is equipped with a camera module capable of capturing an image of the precious metal held by the user. Additionally, the user terminal includes a communication module that generates a bid request based on the input precious metal information, transaction conditions, and captured image, and then transmits it to the central server. The user terminal further includes a bid management module that displays bid proposals received from the central server to the user and manages the bid by receiving the user's selection. Furthermore, it includes a reservation module that performs reservation processing and deposit payment for a transaction with a merchant selected by the user, thereby enhancing the reliability of the reserved transaction.

[0015] Each merchant terminal in this embodiment includes a request receiving module that receives and displays a bid request from a central server, and a bid generating module that generates a bid proposal by receiving input regarding the purchase price and transaction conditions for precious metals from a merchant operator. Each merchant terminal is equipped with a communication module to transmit the generated bid proposal back to the central server, thereby performing information exchange with the central server. Additionally, it includes a reservation management module that receives transaction reservation information and manages it efficiently, and further includes a transaction completion module that processes the return of the reservation deposit after verifying the customer's identity during the actual transaction, thereby ensuring transparency and reliability in the transaction process.

[0016] The central server of this embodiment includes a bid request management module that receives bid requests from user terminals and transmits them to registered merchant terminals, and a bid proposal management module that receives bid proposals from merchant terminals and transmits them to user terminals. Additionally, the central server is equipped with a reservation processing module that processes transaction reservations and mediates the payment of reservation deposits according to the user's selection, and continuously maintains the reliability of the transaction parties through a reliability evaluation module that manages mutual evaluations between the user and the merchant after the transaction is completed. The central server also includes a price information provision module that collects real-time precious metal price information and provides it to users and merchants, a database for securely storing and managing personal information and transaction data of users and merchants, and a security module that maintains the security of the entire system and guarantees the safety of data transmission.

[0017] The system, configured as described above, begins with a user generating a bid request for the resale of precious metals and transmitting it to a central server, followed by a stage where merchants propose purchase prices and conditions to the user in response to the bid request. Subsequently, the user selects one of the proposed bids to reserve a transaction and pay a deposit; upon the reserved transaction, the user actually presents the precious metals, receives the deposit back, and completes the transaction. After the transaction is completed, the system updates transaction reliability through mutual evaluation, thereby enhancing system reliability and providing the user with an optimal trading environment.

[0018] The user terminal of the present embodiment additionally includes an AI-based image analysis module for determining the authenticity of precious metals, and also includes a location-based service module that collects the user's location information and recommends nearby affiliated stores. In addition, it provides a user profile management module that analyzes the user's past transaction history and preferences to provide personalized recommendations, thereby enhancing the user experience.

[0019] The aforementioned merchant terminal also enhances competitiveness by including an AI-based automatic bidding module capable of automatically responding to bid requests and making price proposals, as well as a dynamic pricing module that dynamically adjusts bid prices by reflecting real-time fluctuations in precious metal market prices. Furthermore, it improves customer management efficiency through a Customer Relationship Management (CRM) module that provides customized services by analyzing transaction history and customer data.

[0020] The central server of this embodiment is additionally equipped with a blockchain transaction record module that securely records and manages transaction history using blockchain technology, and also provides an intelligent matching engine that performs optimal matching between users and merchants using machine learning algorithms. Furthermore, it includes a big data analysis module that analyzes system usage patterns and transaction data to continuously derive service improvement measures, thereby promoting the continuous development and stability of the entire system.

[0021] Furthermore, this system includes a portfolio management module that allows users to evaluate and manage the value of precious metals in real time, as well as a tax information processing module that automatically calculates and provides users with taxes incurred during precious metal transactions. In addition, it is configured to provide users with a broad and convenient trading experience by additionally including a VR / AR remote appraisal module for precise remote appraisal and trading of precious metals, a P2P transaction brokerage module for mediating direct transactions between users, and an information provision module that offers various information such as news and market trends related to precious metals.

[0022] These additional features also support users from various countries in easily conducting international transactions through multilingual processing, and ensure transaction automation and transparency through a smart contract management module. It achieves both convenience and security in user identity verification through an AI prediction engine providing AI-based price forecasting capabilities, as well as a biometric and blockchain-based Decentralized Identity (DID) module, while also securing the ethics and sustainability of precious metal trading through a blockchain-based supply chain tracking module.

[0023] Through such a structure and function, embodiments of the present invention can effectively implement real-time data processing and decision optimization, ensure transparency and integrity through a distributed ledger, provide a personalized user experience, and enable continuous learning and improvement, as well as scalable and stable service operation, based on artificial intelligence, blockchain, big data analysis, and cloud computing technologies. Effects of the invention

[0024] The competitive bidding business model system for jewelry stores for the resale of precious metals according to the present invention can be expected to have various effects as follows. First, the system of the present invention provides the effect of increasing transaction efficiency. Specifically, since sellers can conveniently receive multiple quotes online through this system without having to visit several jewelry stores in person, they can save significantly time and effort compared to existing methods. In addition, jewelry stores, as buyers, can also obtain the effect of significantly reducing the frequency of unnecessary visits and meetings by assessing the condition of the precious metals in advance through this system before actually encountering the precious metals.

[0025] Secondly, the present invention provides the effect of realizing the optimization of transaction prices. Specifically, the system encourages multiple jewelry stores to participate in a competitive bidding process online, thereby supporting sellers in receiving the most reasonable and optimized price achievable in the market for their precious metals. Furthermore, through this system, sellers can trade with various jewelry stores nationwide without geographical restrictions, thereby securing trading opportunities under better conditions.

[0026] Thirdly, the system of the present invention achieves the effect of significantly enhancing transaction reliability through a no-show prevention mechanism utilizing a deposit system. Specifically, the deposit system introduced in this system significantly reduces instances of non-fulfillment of reservations (no-shows) that may occur after a transaction reservation, thereby minimizing the waste of time and opportunity costs for jewelry store operators. Consequently, this enhances the willingness of jewelry stores to participate in the market and provides the effect of strengthening transaction stability.

[0027] Fourth, the system of the present invention achieves the effect of significantly enhancing transaction transparency by transparently recording and managing the entire transaction process through a platform. Specifically, since all bidding and transaction processes are securely managed through a database and blockchain-based recording system, both sellers and jewelry stores can increase their trust in the transaction, and this transaction transparency is expected to contribute to improving the reliability of the entire precious metals resale market.

[0028] Fifth, by enhancing the convenience and reliability of transactions through the system of the present invention, it is expected to promote the revitalization of the precious metals resale market. Specifically, the ease of use and transaction stability of this system will lower entry barriers for new users who were previously hesitant to enter the market, thereby encouraging more people to actively participate in the precious metals resale market. This is ultimately expected to lead to the expansion and revitalization of the precious metals resale market.

[0029] Sixth, based on the data accumulated in the system of the present invention, it is possible to achieve the effect of precise analysis and prediction of the precious metal resale market. By analyzing all data traded through the platform in this system using big data analysis and artificial intelligence (AI) technology, accurate market trends and price fluctuations can be identified in real time, and based on this, it can be utilized as decision-making data for future better service development and market forecasting.

[0030] When considering these various effects together, the jewelry store competitive bidding business model system for the resale of precious metals according to the present invention is expected to establish itself as an innovative and efficient new business model by dramatically improving the various inefficiencies of the existing precious metal resale market and providing substantial benefits to all participants. Brief explanation of the drawing

[0031] FIG. 1 is a diagram schematically showing the relationships between components implementing a gold and silver shop competitive bidding business model system for the resale of precious metals according to one embodiment of the present invention. FIG. 2 is a diagram schematically illustrating the relationships of a database implementing a gold and silver shop competitive bidding business model system for the resale of precious metals according to one embodiment of the present invention. FIG. 3 is a diagram schematically illustrating the relationships between components implementing a gold and silver shop competitive bidding business model system for the resale of precious metals according to another embodiment of the present invention. FIG. 4 is a diagram schematically illustrating the relationships between components implementing a gold and silver shop competitive bidding business model system for the resale of precious metals according to another embodiment of the present invention. FIG. 5 is a diagram schematically illustrating the relationships between components implementing a gold and silver shop competitive bidding business model system for the resale of precious metals according to another embodiment of the present invention. Specific details for implementing the invention

[0032] The present invention as described above will be explained in detail through the attached drawings and embodiments.

[0033] When technical terms used in this invention are technical terms that similarly express the concept of this invention, they should be understood as being replaced with technical terms that can be correctly understood by those skilled in the art (e.g., ~ module, ~ server, ~ part).

[0034] Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the attached drawings, wherein identical or similar components and functions, regardless of the drawing symbols, are given the same reference number and function as modules, servers, parts, means, devices, etc. having specific functions.

[0035] Furthermore, in describing the present invention, detailed descriptions of related prior art are omitted if it is determined that such descriptions could obscure the essence of the invention. Additionally, it should be noted that the attached drawings are intended only to facilitate an understanding of the concept of the present invention and should not be interpreted as limiting the concept of the present invention.

[0036] In this case, each functional description divided by a distinguishing number describing each embodiment implies that it includes a function or module according to such description. Furthermore, these functions or modules are organically connected to the present invention via a network.

[0037] Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the attached drawings. Identical or similar components are given the same reference number regardless of the drawing symbols, and redundant descriptions thereof will be omitted.

[0038] In this case, each functional description divided by a distinguishing number describing each embodiment implies that it includes a function or module according to such description. Furthermore, these functions or modules are organically connected to the present invention via a network.

[0039] As illustrated in FIG. 1, the gold and silver shop competitive bidding business model system for the resale of precious metals according to the present invention is largely composed of the interaction of a customer terminal (100), a plurality of gold and silver shop terminals (200), and a central server (300).

[0040] First, at the competitive bidding application stage, the customer inputs information about the precious metal to be sold into the system using a user terminal (100). At this time, the precious metal information input unit (110) receives the precious metal item (gold, silver, platinum, etc.), form (ring, necklace, pure gold bar, etc.), weight (in grams), and photo image from the customer and transmits it to the central server (300). The received image is captured in high resolution through an image capture and upload module (120) utilizing a built-in camera, and then its authenticity and quality are determined through an AI-based image analysis module. Subsequently, the sales application unit (130) generates sales request information by setting the customer's desired sales price, available transaction time, preferred transaction area, etc., and transmits it to the central server (300) through the communication unit (140).

[0041] The central server (300) stores and manages precious metal information and sales conditions transmitted from the customer terminal (100) in the sales request management unit. To ensure data integrity, the blockchain transaction record module records the sales request information on the blockchain. Subsequently, the request information distribution unit transmits the information to multiple gold and silver shop terminals (200) registered in the system to request participation in the bidding.

[0042] Second, in the competitive bidding brokerage stage, each gold and silver shop terminal (200) receives customer precious metal information transmitted from the central server (300) through the request information receiving unit (210), and generates an optimal bid price using an AI-based automatic bidding module and a dynamic pricing module. The bid price generation unit (220) presents an initial bid price by analyzing global precious metal market price information and past transaction data, and the gold and silver shop operator can manually adjust it. The final determined bid price is transmitted to the central server (300) in an encrypted state through the bid information transmission unit (230).

[0043] The central server (300) collects and analyzes bid price information received from each gold and silver shop terminal (200) in the bid information management unit to generate a bid information list, and ranks the bid information by performing optimal matching with the user through a machine learning-based intelligent matching engine. The ranked bid information is transmitted to the bid information display unit (150) of the customer terminal (100) through the bid information transmission unit and is provided so that the customer can review it.

[0044] Third, at the competitive bidding closing stage, the customer checks the list of bids received through the bid information display unit (150) and selects the desired jewelry store using the bid selection unit (160). The selected information is then transmitted to the reservation processing unit of the central server (300), and the payment management unit automatically pays the reservation deposit through a smart contract. The reliability of the transaction is ensured through an advanced authentication system utilizing biometric recognition technology, and the transaction reservation information is provided to the user as a digital reservation confirmation through the reservation processing unit (170).

[0045] Afterwards, the reservation processing unit of the central server (300) transmits the reservation information to the reservation management unit of the selected gold and silver shop terminal (200) to request preparation for the actual transaction, and the gold and silver shop terminal (200) checks the transaction preparation status through the transaction completion unit.

[0046] When a customer visits the jewelry store at the scheduled time, their identity is verified through a rapid matching system based on NFC or QR codes. Subsequently, the actual value of the precious metals is finally assessed using high-precision appraisal equipment and AI analysis, and the transaction proceeds. The final transaction amount is adjusted to reflect real-time global market rates, and the process of automatically settling the amount via a smart contract to return the deposit is carried out.

[0047] When a transaction is completed, mutual evaluation between the parties to the transaction is conducted and reflected in the system through the reliability evaluation unit, and the big data analysis module of the central server (300) analyzes the evaluation data to continuously improve the service quality. Finally, the system provides efficiency and transparency in the precious metal resale process to both the customer and the jewelry store.

[0048] [Example]

[0049] The multilingual real-time translation and localization processing step added to the present invention is performed throughout the system, encompassing the user terminal (100), the jewelry store terminal (200), and the central server (300).

[0050] The multilingual real-time translation and localization processing stage translates user input and system messages in real time using a neural network machine translation module installed on the user terminal, and constructs data containing specialized terminology for precious metal trading through a multilingual parallel corpus building module and an attention mechanism-based NMT model, and performs context-aware translation. The multilingual real-time translation and localization processing stage processes translation requests between the user terminal and the jewelry store terminal using a real-time translation API and creates an efficient communication environment by providing immediate responses.

[0051] The context-based automatic language detection and switching function automatically recognizes the input language by including user terminals, jewelry store terminals, and the central server, and switches the system response language accordingly. Using language identification AI implemented on the user terminal, the function classifies the input text language via a machine learning model and automatically sets the optimal response language by reflecting past language usage history through a user preference language learning module. The context-based automatic language detection and switching function improves the user experience by utilizing a dynamic language switching manager to perform language switching that responds to real-time situational changes.

[0052] Accurate technical term translation utilizing a precious metals specialized terminology database identifies precious metal-related terms within input text using a specialized term extractor across user terminals, jewelry store terminals, and the central server. It performs contextually appropriate translation through a situational term mapping engine and maintains translation accuracy by employing a specialized terminology database management system that is updated through expert review. Through this process, accurate technical terminology translation using the precious metals specialized terminology database ensures the consistent use of specialized terminology.

[0053] Dynamic content localization, reflecting regional laws and trading practices, integrates user terminals, jewelry store terminals, and a central server to automatically account for precious metal trading regulations specific to each country and region. It secures regulatory information through regional law databases and derives localized trading conditions by analyzing historical transaction data using a trading practice analysis engine. Furthermore, it utilizes a dynamic content adjustment system to provide optimized interfaces and conditions based on the user's location.

[0054] The AI-based personalized precious metal investment advisory provision stage personalizes investment strategies across user terminals, jewelry store terminals, and the central server. This stage integrates user transaction history, preferences, and risk tolerance to generate a detailed profile using a user profile builder, and conducts an in-depth assessment of the user's risk tolerance through a risk tolerance evaluation module. The stage identifies user preference conditions using a multidimensional preference analysis engine and customizes investment strategies based on this.

[0055] Portfolio construction recommendation utilizing reinforcement learning algorithms models complex market data using market state representation models across user terminals, jewelry store terminals, and central servers. It derives optimal portfolio construction plans by training with a reinforcement learning-based portfolio optimization engine. Furthermore, it enhances stability by integrating the judgments of each AI agent across various investment scenarios through a multi-agent collaboration system.

[0056] Investment advice based on real-time market conditions collects and analyzes global market data from user terminals, jewelry store terminals, and a central server to a real-time market monitoring system. Through an event-based trigger mechanism, investment advice is generated immediately when significant market events occur. By applying a natural language generation-based advice formatter, the system provides AI-generated advice in easy-to-understand sentences.

[0057] The virtual investment simulation encompasses user terminals, jewelry store terminals, and a central server to establish a virtual investment platform based on actual market data. The simulation automatically sets various market conditions through a scenario generator, allowing users to validate investment strategies. Utilizing a performance analysis and feedback engine, the simulation evaluates investment results and provides feedback for strategy improvement.

[0058] The speech recognition and natural language processing-based conversational transaction support stage performs accurate voice command processing by applying multi-speaker speech recognition technology to user terminals, jewelry store terminals, and a central server. The speech recognition and natural language processing-based conversational transaction support stage enhances voice signal quality with a noise removal preprocessor and improves recognition accuracy by separating the voices of multiple speakers using a speaker separation module. The speech recognition and natural language processing-based conversational transaction support stage utilizes text converted through a speech-to-text conversion engine as system input.

[0059] The context-aware natural language understanding system integrates user terminals, jewelry store terminals, and a central server to accurately analyze the intent of user commands. The system identifies the purpose of user commands using an intent classifier and extracts important information using a named entity recognizer. By maintaining the previous conversational context through a conversational context manager, the system provides more precise responses.

[0060] User intent identification using sentiment analysis technology analyzes voice tone and speed using a voice sentiment analyzer on the user terminal, jewelry store terminal, and central server. It identifies the emotional nuances of messages through a text sentiment analysis module and generates context-appropriate responses using a sentiment-based response optimization engine. Through this, user intent identification using sentiment analysis technology enables more natural interaction with the user.

[0061] The AI-based conversational interface controls the flow of conversations in various transaction situations as a conversation scenario manager across user terminals, jewelry store terminals, and the central server. Utilizing natural language generation models, the AI-based conversational interface responds immediately to user questions and integrates voice, text, and gesture input through multimodal interaction handlers. Through these methods, the AI-based conversational interface provides users with an intuitive and natural transaction experience.

[0062] In this way, the system organically links user terminals, jewelry store terminals, and a central server to implement the entire process, including multilingual translation, automatic language switching, translation of specialized terms, localization of regional regulations, AI-based investment advice, and voice recognition-based conversation support, into an innovative and personalized precious metals trading service.

[0063] [Example]

[0064] The present invention is a competitive bidding-based trading system for precious metals,

[0065] A precious metal information input module that receives precious metal information, including the type, weight, purity, and high-resolution image of the precious metal the user intends to sell, from a user terminal and transmits it to a central server;

[0066] A bid request management module that analyzes the condition, type, and quality of precious metals through an AI-based automatic quotation analysis module linked with precious metal information entered from the central server, calculates a predicted quotation by linking with a real-time gold price API, and transmits bid requests to multiple merchant terminals;

[0067] A bid response module that receives bid requests from a central server from the aforementioned multiple merchant terminals, calculates purchaseable prices and conditions through real-time precious metal market prices and an AI-based automatic bidding module, and transmits bid information to the central server;

[0068] A user-customized recommendation module that assigns priority to bidding information transmitted from the central server to a user terminal through a recommendation algorithm based on multidimensional parameters such as distance, market price, and user ratings, and recommends the optimal jewelry store to the user;

[0069] A transaction reservation module that selects one of the recommended bid information from the above user terminal to proceed with a transaction reservation and pays the reservation deposit;

[0070] A price correction and transaction confirmation module that verifies the actual condition of the precious metal at the time of the visit on the day of the transaction at the affiliated store, automatically reflects real-time gold price fluctuations between the time of winning the bid and the time of the visit to correct the final transaction amount and confirm the transaction;

[0071] It implements transparent and fair transactions in the precious metals resale market through competitive bidding, including a trust score management module that manages trust by allowing users to evaluate merchants after a transaction is completed and publicly displaying the results.

[0072] The above user-customized recommendation module calculates a final recommendation score by assigning weights of 50%, 30%, and 20% to the distance score, bid price score, and merchant's cumulative review rating, respectively, and dynamically adjusts the recommendation order by recalculating this for each bid request.

[0073] The above price correction and transaction confirmation module automatically corrects the winning bid amount by the same proportion as the change in the gold price on the scheduled visit date compared to the gold price at the time of bid confirmation, thereby confirming the transaction.

[0074] The bid response module of the aforementioned merchant terminal automatically proposes the optimal bid price by comprehensively analyzing past similar bid data, real-time market trends, and merchant-specific purchasing policies using AI based on the precious metal information and conditions requested by the user, and provides an interface that allows the operator to manually adjust the bid price if necessary.

[0075] The present invention is a method for trading precious metals through competitive bidding,

[0076] (a) A step of receiving information including the type, weight, purity, and high-resolution image of the precious metal through a user terminal and transmitting it to a central server;

[0077] (b) a step of analyzing information input from the central server based on AI to predict the quality and market price of precious metals and sending competitive bidding requests to multiple merchant terminals;

[0078] (c) A step of automatically proposing bid prices and conditions based on AI in response to a bid request received from a merchant terminal, and transmitting them to a central server;

[0079] (d) A step in which the central server analyzes bid information using a multidimensional evaluation algorithm to provide recommended rankings to the user terminal, and the user selects one of the bid information to pay the reservation deposit;

[0080] (e) A step in which the user visits a merchant to verify the actual condition of the precious metal, adjusts the final transaction amount by reflecting real-time fluctuations in the gold market price between the time of bid confirmation and the time of visit, and completes the transaction;

[0081] (f) A step in which, after the transaction is completed, the user evaluates the merchant, discloses the evaluation, records it as a trust score in the system, and reflects it in subsequent transactions; thereby ensuring transparency and reliability of precious metal transactions based on competitive bidding.

[0082] In the above (d) step, the recommendation ranking calculates a final score based on weights calculated at ratios of 50%, 30%, and 20% for distance, bid price, and merchant rating, respectively, and dynamically adjusts this for each bid to provide it to the user.

[0083] In step (e) above, the final transaction amount adjustment is automatically applied at the same rate as the difference between the domestic gold price at the time of the visit and the gold price at the time of bid confirmation.

[0084] The trust score recorded in step (f) above is reflected in real-time in granting priority to merchants for bidding participation and in future user recommendation algorithms, thereby continuously maintaining and improving the transparency and reliability of the entire system.

[0085] The precious metal competitive bidding-based trading system according to the present invention comprises the following components.

[0086] Specifically, the user terminal (100) provides an interface for inputting precious metal information held by a precious metal seller into the system and includes a precious metal information input module (110). This precious metal information input module (110) receives input from the user regarding the type, weight, purity, high-resolution image, etc. of the precious metal and transmits it to a central server (300) in data format. It includes an image quality inspector (112) that performs quality verification of the input information and clarity inspection of the image, and provides a function to guide the user to retake defective images.

[0087] The bid request management module (310) of the central server (300) automatically calculates a quote through the AI ​​automatic quote analysis module (320) based on precious metal information transmitted from the user terminal (100). The AI ​​automatic quote analysis module (320) evaluates the condition and quality of the precious metal by referencing deep learning-based image recognition technology and similar transaction data in the database (DB). In addition, it calculates an appropriate price based on the market price by linking with the real-time gold price API (330), and then generates bid request data based on this information and transmits it to multiple merchant terminals (200).

[0088] When each merchant terminal (200) receives a bid request from the central server (300), it determines the purchase price and conditions through the bid response module (210). The bid response module (210) reflects real-time market price information of the global precious metals market in real time and calculates the optimal purchase price through the AI-based automatic bidding module (220). If necessary, an interface is provided that allows the merchant operator to manually adjust the price.

[0089] The user-customized recommendation module (340) of the central server (300) analyzes the received bidding information in a multidimensional manner, such as distance, market price, and user evaluation, and recommends it to the user terminal (100). It calculates a final recommendation score by applying scoring and weighting for each criterion, and provides the most suitable jewelry store to the user in the form of a recommendation list.

[0090] The transaction reservation module (120) of the user terminal (100) processes the payment of the reservation deposit and the transaction reservation when the user selects one of the recommended bid information. At this time, the payment of the reservation deposit supports various payment methods, and a digital reservation confirmation is provided to the user upon completion of the reservation.

[0091] When visiting a merchant, the market price correction and transaction confirmation module (230) of the merchant terminal (200) accurately calculates the market price fluctuation between the time of physical verification and bid confirmation and the time of visit, calculates the final transaction amount, and completes the transaction.

[0092] After the transaction is completed, the trust score management module (130) of the user terminal (100) provides an interface to allow the user to conduct a merchant evaluation, and the evaluation results are stored in the trust management module (350) of the central server (300) to be reflected in future bidding recommendations and trust evaluations.

[0093] The user-customized recommendation module (340) calculates a final recommendation score by assigning weights of 50%, 30%, and 20% to the distance score (341), market price score (342), and review rating score (343), respectively. The distance score is calculated based on the user's location information and the merchant's location information, the market price score evaluates the competitiveness of the purchase price, and the review rating score is calculated by analyzing evaluation data from previous users.

[0094] The price correction and transaction confirmation module (230) is linked with the domestic gold price API to automatically correct the transaction amount by the ratio of the price on the date of the visit reservation to the price at the time of bid confirmation, thereby ensuring a fair price determination.

[0095] The bid response module (210) of the merchant terminal (200) analyzes the precious metal information and conditions requested by the user through the AI-based automatic bidding module (220) and proposes the optimal bid price. At this time, the AI ​​model comprehensively learns past bidding records, real-time market trends, and the individual purchasing policies of each merchant, and provides a flexible interface that allows the operator to adjust the price when necessary, thereby supporting accurate and efficient bidding through collaboration between humans and artificial intelligence.

[0096] The precious metal competitive bidding transaction method is composed of a step-by-step method that systematically implements the entire process from inputting precious metal information to completing the transaction on a user terminal (100). Data is thoroughly managed and analyzed at each stage to provide the user with a transparent and reliable transaction environment.

[0097] The recommendation ranking step scores distance, bid price, and merchant rating at a ratio of 50%, 30%, and 20%, respectively, and then calculates a final score based on the user's personalized profile to provide user-customized information.

[0098] The final transaction amount adjustment stage accurately reflects real-time data on gold price fluctuations in the domestic market and ensures transaction transparency by automatically calculating price changes between the time of bid confirmation and the time of visit reservation.

[0099] The trust score reflection step reflects user evaluation data in real time to the trust management module (350) of the central server (300) and continuously improves the reliability and efficiency of the system through the priority of merchant bidding participation based on the trust score and the improvement of the recommendation algorithm. Explanation of the symbols

[0100] 100: User terminal 200: Merchant (jewelry store) terminal 300: Central Server

Claims

Claim 1 In a competitive bidding business model system for jewelry stores for the resale of precious metals, the system comprises: a precious metal information input module that receives precious metal information, including the type, weight, purity, and high-resolution images of the precious metal the user wishes to sell, from a user terminal and transmits it to a central server; a bid request management module that analyzes the condition, type, and quality of the precious metal through an AI-based automatic quotation analysis module linked to the input precious metal information at the central server, calculates a predicted quotation by linking with a real-time gold market price API, and transmits bid requests to multiple merchant terminals; a bid response module that receives bid requests from the central server from the multiple merchant terminals, calculates the purchase price and conditions through real-time precious metal market prices and an AI-based automatic bidding module, and transmits bid information to the central server; a user-customized recommendation module that assigns priority to the bid information transmitted from the central server to the user terminal through a recommendation algorithm based on multidimensional parameters including distance, market price, and user ratings, and recommends the optimal jewelry store to the user; a transaction reservation module that allows the user terminal to select one of the recommended bid information to proceed with a transaction reservation and pay a deposit; and, after verifying the actual condition of the precious metal at the time of the visit on the day of the transaction, between the time of winning the bid and the time of the visit A price correction and transaction confirmation module that automatically reflects real-time gold price fluctuations to correct the final transaction amount and confirm the transaction; and a trust score management module that manages trust by allowing the user to evaluate the merchant after the transaction is completed and publicly displaying the evaluation.It implements transparent and fair transactions in the precious metals resale market through competitive bidding, including the above user-customized recommendation module calculates a final recommendation score by assigning weights of 50%, 30%, and 20% to the distance score, bid price score, and merchant's cumulative review rating, respectively, and dynamically adjusts the recommendation order by recalculating the recommendation score for each bid request; the above price correction and transaction confirmation module confirms the transaction by automatically correcting the winning bid amount by the same proportion as the change in the gold price on the scheduled visit date compared to the gold price at the time of bid confirmation; the bid response module of the merchant terminal automatically proposes the optimal bid price by comprehensively analyzing past similar bid data, real-time market trends, and merchant-specific purchasing policies using AI based on the precious metal information and conditions requested by the user, and provides an interface for the operator to manually adjust the bid price if necessary; it includes multilingual real-time translation and localization processing functions, translates user input and system messages in real time using a neural network machine translation module installed on the user terminal, and utilizes a multilingual parallel corpus construction module and an attention mechanism-based NMT model for precious metal transactions To build data containing technical terms and perform translation, it processes translation requests between user terminals and jewelry store terminals using a real-time translation API; by adding context-based automatic language detection and switching functions, it automatically recognizes the input language by including user terminals, jewelry store terminals, and a central server; classifies the input text language using a machine learning model with a language identification AI implemented on the user terminal; and automatically sets the optimal response language by reflecting past language usage history through a user preference language learning module;An accurate technical term translation function utilizing a precious metals specialized terminology database is added to identify precious metals-related terms within input text using a specialized term extractor across user terminals, jewelry store terminals, and a central server; the accurate technical term translation utilizing the aforementioned database performs context-appropriate translation through a situational term mapping engine, maintains translation accuracy using a specialized terminology database management system following expert review, and ensures consistent use of specialized terminology through this process; further, a dynamic content localization function reflecting regional laws and trading practices is added to automatically consider precious metals trading regulations for each country and region by integrating user terminals, jewelry store terminals, and a central server; the dynamic content localization reflecting these regional laws and trading practices secures regulatory information through a regional laws database and derives localized trading conditions by analyzing historical transaction data using a trading practice analysis engine; and the dynamic content localization reflecting these regional laws and trading practices provides an optimized interface and conditions based on the user's location using a dynamic content adjustment system; and a portfolio utilizing reinforcement learning algorithms By adding a portfolio composition recommendation function, complex market data is modeled using a market state representation model across user terminals, jewelry store terminals, and a central server; the portfolio composition recommendation utilizing the aforementioned reinforcement learning algorithm derives an optimal portfolio composition plan by training with a reinforcement learning-based portfolio optimization engine; and the portfolio composition recommendation utilizing the aforementioned reinforcement learning algorithm enhances stability by integrating the judgments of each AI agent across various investment scenarios through a multi-agent collaboration system;By adding conversational transaction support functions based on speech recognition and natural language processing, accurate voice command processing is performed by applying multi-speaker speech recognition technology to user terminals, jewelry store terminals, and a central server; wherein the aforementioned conversational transaction support functions enhance voice signal quality using a noise removal preprocessor and improve recognition accuracy by separating the voices of multiple speakers using a speaker separation module, and the aforementioned conversational transaction support functions utilize text converted through a speech-to-text conversion engine as system input; by adding context-aware natural language understanding functions, the user terminals, jewelry store terminals, and a central server are integrated to accurately analyze the intent of user commands, wherein the context-aware natural language understanding system identifies the purpose of the user command using an intent classifier and extracts important information using a named entity recognizer, and the context-aware natural language understanding system provides a more precise response by maintaining the previous conversation context through a conversation context manager; and by adding a user intent identification function utilizing sentiment analysis technology, voice tone and speed are analyzed using a speech sentiment analyzer on user terminals, jewelry store terminals, and a central server, and the user intent identification using the aforementioned sentiment analysis technology [identifies] the emotional nature of the message through a text sentiment analysis module A competitive bidding business model system for jewelry stores for the resale of precious metals, characterized by grasping nuances, generating situation-appropriate responses using an emotion-based response optimization engine, and identifying user intent using the aforementioned emotion analysis technology, thereby enabling more natural interaction with the user. Claim 2 delete Claim 3 delete Claim 4 delete Claim 5 A business method using a competitive bidding business model system for jewelry stores for the resale of precious metals according to claim 1, comprising: (a) receiving information including the type, weight, purity, and high-resolution image of the precious metal through a user terminal and transmitting it to a central server; (b) analyzing the information received by the central server based on AI to predict the quality and market price of the precious metal and sending competitive bidding requests to multiple merchant terminals; (c) automatically proposing bid prices and conditions based on AI for bid requests received from merchant terminals and transmitting them to the central server; (d) analyzing bid information by a multidimensional evaluation algorithm at the central server to provide a recommended ranking to the user terminal, and having the user select one of the bid information and pay a deposit; (e) having the user visit a merchant to verify the actual condition of the precious metal, then correcting the final transaction amount by reflecting real-time fluctuations in the gold market price between the time of bid confirmation and the time of visit, and completing the transaction; (f) having the user evaluate the merchant after the transaction is completed, disclosing the results, and recording them as a trust score in the system to reflect in subsequent transactions; thereby ensuring transparency and reliability of precious metal transactions based on competitive bidding, and the above (d) In the step of recommendation ranking, the final score is calculated based on weights calculated at ratios of 50%, 30%, and 20% for distance, bid price, and merchant rating, respectively, and is dynamically adjusted for each bid and provided to the user; in the step of (e), the final transaction amount correction is automatically applied at the same ratio as the change in the domestic gold price at the time of visit compared to the gold price at the time of bid confirmation; and in the step of (f), the recorded trust score is reflected in real-time in the granting of priority to merchants for bidding participation and in future user recommendation algorithms, thereby continuously maintaining and improving the transparency and reliability of the entire system. This characterizes a business method using a gold and silver shop competitive bidding business model system for the resale of precious metals. Claim 6 delete Claim 7 delete Claim 8 delete

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