Logistics data-based agricultural and marine product distribution and financial linkage platform system and method

Abstract

The present invention relates to a logistics data-based agricultural and fishery product distribution and finance linkage platform system and method that secures reliability by immutably recording logistics data, including incoming data, outgoing data, inspection data, delivery completion data, and receipt data collected from a warehouse management system and a transportation management system, on a blockchain network, and controls and manages the flow of funds generated during the distribution of agricultural and fishery products based on data by calculating credit evaluation indicators for each transaction entity based on said logistics data and linking accounts receivable advance settlement, digital warehouse receipt finance, provision of dynamic finance limits, recycling matching, and funding. More specifically, the logistics data-based agricultural and fishery product distribution and finance linkage platform system comprises: a communication unit that communicates with a producer terminal, a processor terminal, a buyer terminal, and a consumer terminal; and a data collection unit that collects logistics data, including incoming data, outgoing data, inspection data, delivery completion data, and receipt data from a warehouse management system (WMS) and a transportation management system (TMS), at preset collection cycles. A blockchain processing unit that assigns timestamps to the collected logistics data and records them immutably on a distributed ledger of a blockchain network, and automatically verifies whether the logistics data has been tampered with through a smart contract to block fraudulent sales; and a credit evaluation unit that extracts credit evaluation indicators including return rate, inventory turnover rate, on-time delivery rate, outbound turnover rate, and inventory retention period from the logistics data, calculates a comprehensive credit score for each trading entity as a weighted sum by applying pre-set weights for each item to the credit evaluation indicators, and recalculates and adjusts financial limits and interest rates at pre-set update cycles based on the comprehensive credit score.A financial processing unit comprising: a factoring module for pre-settlement of accounts receivable whose transaction completion is confirmed by the above delivery completion data and receipt data; a warehouse receipt finance module for issuing digital warehouse receipts for agricultural and fishery products stored in a warehouse based on NFT or DLT and executing collateral loans; and a dynamic limit provision module for providing credit limits according to financial limits adjusted by the above credit evaluation unit; a recycle matching unit that receives information on agricultural and fishery products scheduled for disposal due to external problems or excess harvest yield from a producer terminal, determines whether the item, condition, and quantity of the said agricultural and fishery products correspond to the range of processable items and processing capacity stored in the processor database, and matches a suitable processor according to a priority that comprehensively considers geographical distance, processing costs, and processing schedule; and a funding management unit that receives a request for participation in funding for agricultural and fishery products from a consumer terminal, transmits a production instruction to the producer terminal upon achievement of the funding target amount, and distributes the sales revenue of the produced agricultural and fishery products to funding participants. The present invention relates to a logistics data-based agricultural and fishery product distribution and financial linkage platform system and method, characterized by comprising: a B2B membership payment module that provides pre-set reward points upon prepaid charging; a farmer wallet module that converts settlement funds into points and pays them the next day and provides discounts on the purchase of agricultural materials; and a logistics card module that pays transportation fees in points and restricts their use to designated locations, and an integrated payment unit that generates Float revenue by operating deposits generated while the points and reward points circulate within the platform; and a fund management unit that collects deposit and withdrawal details generated from the financial processing unit, the funding management unit, and the integrated payment unit in real time, monitors the total deposit amount and fund liquidity within the platform, and implements a closed fund circulation structure by mediating fund movements between modules.

Description

Technology Field

[0001] The present invention relates to a logistics data-based agricultural and fishery product distribution and finance linkage platform system and method, and more specifically, to a logistics data-based agricultural and fishery product distribution and finance linkage platform system and method that secures reliability by immutably recording logistics data, including receiving data, outgoing data, inspection data, delivery completion data, and receipt data collected from a warehouse management system and a transportation management system, on a blockchain network, and calculates credit evaluation indicators for each trading entity based on said logistics data to perform linked operations such as advance settlement of accounts receivable, digital warehouse receipt finance, provision of dynamic finance limits, recycling matching, and funding, thereby controlling and managing the flow of funds generated during the distribution process of agricultural and fishery products based on data. Background Technology

[0002] The agricultural and fisheries distribution industry features a complex structure involving multi-stage connections between producers, processors, buyers, and consumers; however, despite the volume of transactions, the systematic utilization of logistics data generated during the processes of receiving, shipping, inspection, delivery, and acceptance is currently insufficient. In particular, because agricultural and fisheries products are subject to significant value volatility due to factors such as freshness degradation, seasonality, quality variations by item, and storage conditions, it is difficult to accurately reflect actual transaction execution capabilities or distribution risks using only existing static financial statements or financial evaluation methods centered on individual creditworthiness.

[0003] As a result, producers and distributors participating in the distribution of agricultural and fishery products face liquidity shortages due to low financial accessibility, forcing them to rely on high-interest financial products or experience delays in collecting accounts receivable, despite actually conducting normal transactions. Conversely, buyers are also facing continuous financial pressure due to prepayment or long-term settlement structures.

[0004] Meanwhile, existing financial services such as accounts receivable factoring, secured loans, and credit limits often rely on sales ledgers or contracts submitted by the parties involved. This presents limitations, as it makes it difficult to verify fictitious sales or unfulfilled transactions and to confirm the status of logistics execution in real time. Furthermore, in the case of movable assets such as agricultural and marine products stored in warehouses, the reliability of collateral value assessment is compromised because quality deterioration due to the passage of storage time and environmental conditions cannot be quantitatively reflected.

[0005] Furthermore, despite the large volume of agricultural and fishery products that are difficult to distribute normally due to external issues or oversupply, there is a lack of systematic platforms capable of efficiently matching these products with processing companies for reprocessing or creating added value through linkage with consumer funding. This situation acts as a factor that exacerbates inefficiencies in the overall distribution system, along with an increase in the amount of agricultural and fishery product waste.

[0006] Furthermore, as agricultural and fisheries product distribution, finance, and payment functions operate as separate systems, there are limitations in integrally managing fund flows within the platform or implementing a closed-loop capital circulation structure by monitoring deposit and withdrawal records and deposit amounts in real time. In such a fragmented structure, the linkage between logistics and financial data is restricted, making it difficult to effectively implement data-driven dynamic credit assessment and financial control.

[0007] Accordingly, there is a growing need for a new type of logistics data-based agricultural and fishery product distribution and finance linkage platform system and method that can reliably manage logistics data collected from warehouse management systems and transportation management systems, and organically link credit evaluation, financial processing, recycling matching, funding, and integrated payment based on said logistics data to control and manage the flow of funds and risks throughout the entire agricultural and fishery product distribution process based on data. Prior art literature

[0008] (0001) Korean Patent Publication No. 10-2024-0064369 The problem to be solved

[0009] The technical problem that the present invention aims to solve is to provide a logistics data-based agricultural and fishery product distribution and financial linkage platform system and method capable of reliably collecting and managing logistics data including receiving data, outgoing data, inspection data, delivery completion data, and receipt data collected from a warehouse management system and a transportation management system, and blocking fraudulent sales and unfulfilled transactions by assigning timestamps to said logistics data and recording them immutably on a distributed ledger of a blockchain network.

[0010] Another technical problem that the present invention aims to solve is to provide a logistics data-based agricultural and fishery product distribution and finance linkage platform system and method that can overcome the limitations of existing static financial information-centric financial evaluation methods and enable dynamic credit evaluation and financial limit adjustment reflecting actual transaction execution capabilities and logistics operational efficiency by extracting credit evaluation indicators including return rate, inventory turnover rate, on-time delivery rate, outbound turnover rate, and inventory retention period from the logistics data, and calculating a comprehensive credit score for each trading entity through a weighted sum applying pre-set weights for each item.

[0011] Another technical problem that the present invention aims to solve is to provide a logistics data-based agricultural and fishery product distribution and finance linkage platform system and method capable of resolving the liquidity shortage problem of agricultural and fishery product distributors and improving financial accessibility through a financial processing unit comprising: a factoring module that pre-settles accounts receivable whose transaction completion is confirmed by delivery completion data and receipt data; a warehouse receipt finance module that executes collateral loans by issuing digital warehouse receipts for agricultural and fishery products stored in a warehouse based on NFT or DLT; and a dynamic limit provision module that provides financial limits adjusted according to the credit evaluation.

[0012] Another technical problem that the present invention aims to solve is to provide a logistics data-based agricultural and fishery product distribution and financial linkage platform system and method capable of providing a recycling matching function that minimizes the disposal of agricultural and fishery products and enables the creation of added value through reprocessing by receiving information from a producer terminal regarding agricultural and fishery products that are difficult to distribute normally due to external problems or excess harvest yield, and matching a suitable processor by comparing the item, condition, and quantity of the agricultural and fishery products with a processor database.

[0013] Another technical problem that the present invention aims to solve is to provide a logistics data-based agricultural and fishery product distribution and financial linkage platform system and method that can provide a data-based funding structure in which consumers can participate in the production and distribution process of agricultural and fishery products through a funding management unit that transmits production instructions to a producer terminal in accordance with a funding participation request received from a consumer terminal and distributes sales revenue of the produced agricultural and fishery products to funding participants.

[0014] Another technical problem that the present invention aims to solve is to provide a logistics data-based agricultural and fishery product distribution and financial linkage platform system and method capable of providing a sustainable platform operation structure in which logistics data and financial data are organically linked by integrally managing the flow of deposits within the platform and implementing a closed-loop fund circulation structure through an integrated payment unit comprising a B2B membership payment module that provides rewards upon prepaid charging, a farmer wallet module that converts settlement funds into points and pays them, and a logistics card module that pays transportation fees in points and restricts their usage, and a fund management unit that mediates and manages the flow of funds generated from the integrated payment unit and the financial processing unit.

[0015] The technical problems to be solved by the present invention are not limited to those mentioned above, and other technical problems not mentioned will be clearly understood by those skilled in the art to which the present invention belongs from the description below. means of solving the problem

[0016] A logistics data-based agricultural and fishery product distribution and financial linkage platform system according to an embodiment of the present invention for achieving the above technical objectives comprises: a communication unit communicating with a producer terminal, a processing company terminal, a buyer terminal, and a consumer terminal; a data collection unit collecting logistics data including incoming data, outgoing data, inspection data, delivery completion data, and receipt data from a warehouse management system (WMS) and a transportation management system (TMS) at a preset collection cycle; a blockchain processing unit assigning timestamps to the collected logistics data and recording them immutably on a distributed ledger of a blockchain network, and automatically verifying whether the logistics data has been tampered with or forged through a smart contract to block fraudulent sales; and a credit evaluation unit extracting credit evaluation indicators including return rate, inventory turnover rate, on-time delivery rate, outgoing turnover rate, and inventory retention period from the logistics data, calculating a comprehensive credit score for each trading entity by applying a preset weight to the credit evaluation indicators, and recalculating and adjusting financial limits and interest rates at a preset update cycle based on the comprehensive credit score. A financial processing unit comprising: a factoring module for pre-settlement of accounts receivable for which transaction completion has been confirmed by the above delivery completion data and receipt data; a warehouse receipt finance module for issuing digital warehouse receipts for agricultural and fishery products stored in a warehouse based on NFT or DLT and executing collateral loans; and a dynamic limit provision module for providing credit limits according to financial limits adjusted by the above credit evaluation unit; and a recycle matching unit that receives information on agricultural and fishery products scheduled for disposal due to external problems or excess harvest from a producer terminal, determines whether the item, condition, and quantity of the said agricultural and fishery products correspond to the range of processable items and processing capacity stored in the processor database, and matches a suitable processor according to a priority that comprehensively considers geographical distance, processing costs, and processing schedule.The system is characterized by comprising: a funding management unit that receives a request for funding participation for agricultural and fishery products from a consumer terminal, transmits production instructions to a producer terminal upon achieving the funding target amount, and distributes sales revenue of the produced agricultural and fishery products to funding participants; an integrated payment unit that includes a B2B membership payment module that provides pre-set points upon prepaid charging, a farmer wallet module that converts settlement funds into points and pays them the next day and provides discounts on the purchase of agricultural materials, and a logistics card module that pays shipping fees in points and restricts their use to designated locations, and generates Float revenue by managing deposits generated while the points and accumulated funds circulate within the platform; and a fund management unit that collects deposit and withdrawal details generated from the financial processing unit, the funding management unit, and the integrated payment unit in real time, monitors the total deposit amount and fund liquidity within the platform, and implements a closed-loop fund circulation structure by mediating fund movements between each module.

[0017] In addition, the blockchain processing unit sequentially collects logistics data through a first tracking module that collects shipment data from a production site, a second tracking module that collects incoming and outgoing data from a logistics hub, and a third tracking module that collects acceptance data from the final buyer; verifies whether the logistics data at each stage collected by the first tracking module, the second tracking module, and the third tracking module has continuity and consistency; executes automatic verification of the logistics data and automatic payment when transaction conditions are met through a smart contract module; and prevents tampering with data by immutably recording the incoming data, outgoing data, inspection data, delivery completion data, and acceptance receipt data along with timestamps in a distributed ledger of a blockchain network.

[0018] In addition, the credit evaluation department determines the increase in shipment turnover, the increase in on-time delivery rate, and the increase in transaction volume as positive indicators, and the increase in return rate and the increase in inventory retention period as negative indicators; calculates the comprehensive credit score by assigning a pre-set positive (+) weight to each positive indicator and a pre-set negative (-) weight to each negative indicator; and if the comprehensive credit score rises above a pre-set first threshold, it adjusts the financial limit upward by a pre-set first ratio or lowers the interest rate by a pre-set second ratio, and if the comprehensive credit score falls below a pre-set second threshold, it adjusts the financial limit downward by a pre-set third ratio or raises the interest rate by a pre-set fourth ratio.

[0019] In addition, the warehouse receipt financial module collects warehouse data including the item, grade, quantity, arrival date, storage temperature, and humidity of agricultural and fishery products received in the warehouse from a warehouse management system, tokenizes the warehouse data based on NFT (Non-Fungible Token) or DLT (Distributed Ledger Technology) to issue a digital warehouse receipt containing item information, grade information, quantity information, and arrival date information, continuously collects the storage temperature and humidity at set monitoring cycles, calculates the collateral value reduction rate according to the storage period and environmental conditions by referring to an item-specific quality degradation model database, determines the collateral loan limit by adjusting the Loan To Value (LTV) ratio inversely proportional to the collateral value reduction rate, and executes a collateral loan within the determined collateral loan limit range by linking with a financial institution server via API.

[0020] In addition, the above-described recycle matching unit predicts the normal salesable quantity using an artificial intelligence prediction model based on the harvest yield information and past sales history data of agricultural and fishery products received from the producer terminal, identifies surplus agricultural and fishery products exceeding the predicted normal salesable quantity and agricultural and fishery products that cannot be normally distributed due to external problems as agricultural and fishery products subject to reprocessing, calculates a suitability score by comparing the item, condition, quantity, and location information of the agricultural and fishery products subject to reprocessing with the processing capacity, processable items, equipment ownership status, and geographical location of the processing company database, calculates a priority score by comprehensively considering the suitability score, transportation costs based on geographical distance, processing unit price, and processing schedule, selects the top N processing companies with the highest priority scores as matching candidates and transmits them to the producer terminal and the processing company terminal, and initiates funding for the reprocessed product in conjunction with the above-described funding management unit upon contract conclusion.

[0021] Meanwhile, a method for linking agricultural and fishery product distribution and finance based on logistics data according to one embodiment of the present invention comprises a platform server, a producer terminal, a processing company terminal, a buyer terminal, and a consumer terminal, wherein the method comprises: (a) a step in which the platform server collects logistics data including incoming data, outgoing data, inspection data, delivery completion data, and receipt data from a warehouse management system (WMS) and a transportation management system (TMS) at a predetermined collection cycle; (b) a step in which the platform server assigns a timestamp to the collected logistics data to record it immutably in a distributed ledger of a blockchain network and automatically verifies whether the logistics data has been tampered with or forged through a smart contract; (c) a step in which the platform server extracts credit evaluation indicators including a return rate, inventory turnover rate, on-time delivery rate, outgoing turnover rate, and inventory retention period from the logistics data, and calculates a comprehensive credit score for each trading entity as a weighted sum by applying a predetermined weight to the credit evaluation indicators for each item. (d) a step in which the platform server recalculates and adjusts financial limits and interest rates based on the comprehensive credit score at preset update cycles; (e) a step in which the consumer terminal transmits a request to participate in funding for desired agricultural and fishery products to the platform server; (f) a step in which the platform server transmits a production instruction to the producer terminal upon achieving the funding target amount; (g) a step in which the producer terminal transmits information on agricultural and fishery products subject to reprocessing that have surplus or external problems after production completion to the platform server; (h) a step in which the platform server matches a suitable processor by comparing the item, condition, and quantity of the agricultural and fishery products subject to reprocessing with a processor database, and transmits the matching result to the producer terminal and the processor terminal; (i) a step in which the buyer terminal transmits a request for prepaid top-up or payment to the platform server, and the platform server provides points or accumulated funds;(j) a step in which the platform server generates Float revenue by operating deposits generated while the points and accumulated funds provided in step (i) are circulated within the platform; and (k) a step in which the platform server pre-settles accounts receivable for which transaction completion has been confirmed by the delivery completion data and receipt data according to the transaction type, executes a collateral loan by issuing a digital warehouse receipt for agricultural and fishery products stored in a warehouse based on NFT or DLT, or provides a credit limit according to the financial limit adjusted in step (d).

[0022] Additionally, the above step (c) comprises: (c-1) a step in which the platform server determines that an increase in the shipment turnover rate, an increase in the delivery compliance rate, and an increase in transaction volume are positive indicators, and that an increase in the return rate and an increase in the inventory retention period are negative indicators; and (c-2) a step in which the platform server calculates the comprehensive credit score by assigning a pre-set positive (+) weight to each positive indicator and a pre-set negative (-) weight to each negative indicator. The above step (d) comprises: (d-1) a step in which, if the comprehensive credit score rises above a pre-set first threshold, the platform server adjusts the financial limit upward by a pre-set first ratio or lowers the interest rate by a pre-set second ratio; and (d-2) a step in which, if the comprehensive credit score falls below a pre-set second threshold, the platform server adjusts the financial limit downward by a pre-set third ratio or raises the interest rate by a pre-set fourth ratio.

[0023] In addition, when executing a collateral loan by issuing a digital warehouse receipt in step (k) above, the method is characterized by including: (k-1) a step in which the platform server collects warehouse data including the item, grade, quantity, date of entry, storage temperature, and humidity of agricultural and fishery products received in the warehouse from a warehouse management system; (k-2) a step in which the platform server tokenizes the warehouse data based on NFT (Non-Fungible Token) or DLT (Distributed Ledger Technology) and issues a digital warehouse receipt including item information, grade information, quantity information, and date of entry information; (k-3) a step in which the platform server continuously collects the storage temperature and humidity at preset monitoring cycles and calculates the collateral value reduction rate according to the storage period and environmental conditions by referring to an item-specific quality degradation model database; and (k-4) a step in which the platform server determines the collateral loan limit by adjusting the Loan To Value (LTV) ratio inversely proportional to the collateral value reduction rate, and executes the collateral loan within the determined collateral loan limit range by linking with a financial institution server via API.

[0024] The above embodiments of the present invention are merely some of the preferred embodiments of the present invention, and various embodiments reflecting the technical features of the present invention can be derived and understood by those skilled in the art based on the detailed description of the present invention to be described below. Effects of the invention

[0025] The present invention described above has the following effects.

[0026] First, according to the present invention, by immutably recording logistics data collected from a warehouse management system and a transportation management system on a blockchain network and linking it with credit evaluation, financial processing, recycling matching, funding, and integrated payment, a logistics data-based agricultural and fishery product distribution and financial linkage platform system can be provided that can control and manage the flow of funds throughout the entire process of agricultural and fishery product distribution based on data while blocking fraudulent sales.

[0027] In addition, according to the present invention, by verifying logistics data collected sequentially at the production site, logistics hub, and final acceptance stage based on continuity and consistency criteria, and performing automatic verification and payment through a smart contract, the reliability of logistics execution can be improved and the stability of financial transactions can be secured.

[0028] In addition, according to the present invention, by classifying return rate, inventory turnover rate, on-time delivery rate, outbound turnover rate, and inventory retention period into positive and negative indicators and calculating a comprehensive credit score with item-specific weights applied, it becomes possible to adjust dynamic financial limits and interest rates that reflect actual transaction performance.

[0029] In addition, according to the present invention, by issuing item, grade, quantity, and storage environment data for agricultural and fishery products stored in a warehouse as an NFT or DLT-based digital warehouse receipt and dynamically adjusting the collateral recognition ratio according to a quality degradation model, the collateral value of movable agricultural and fishery assets can be quantitatively evaluated to improve the reliability of collateral loans.

[0030] In addition, according to the present invention, agricultural and fishery products to be reprocessed are identified based on yield information and past sales history data, and by matching them by comprehensively considering the processing capabilities of the processing company and geographical conditions, external problems or the disposal of surplus agricultural and fishery products are minimized, and value added through reprocessing can be created.

[0031] In addition, according to the present invention, by providing a logistics data-based method for linking agricultural and fishery product distribution and finance that performs logistics data collection, blockchain recording, credit evaluation, funding, recycling matching, integrated payment, and financial processing in stages, the financial processing procedures throughout the entire agricultural and fishery product distribution process can be systematically automated.

[0032] In addition, according to the present invention, by calculating a comprehensive credit score by applying item-specific weights to positive and negative indicators and adjusting financial limits or interest rates according to thresholds, risk management-based financial control that responds immediately to changes in logistics performance becomes possible.

[0033] In addition, according to the present invention, by adjusting the collateral recognition ratio by reflecting the rate of decrease in collateral value according to storage period and environmental conditions, and executing a collateral loan in conjunction with a financial institution server, a stable warehouse receipt financing method that takes into account the quality variability of agricultural and fishery products can be provided.

[0034] The effects obtainable from the present invention are not limited to those mentioned above, and other unmentioned effects will be clearly understood by those skilled in the art from the description below. Brief explanation of the drawing

[0035] FIG. 1 is a conceptual diagram of a system configuration according to an embodiment of the present invention, FIG. 2 is a conceptual diagram of the configuration of a blockchain processing unit according to an embodiment of the present invention, FIG. 3 is an example diagram of a credit evaluation flowchart according to an embodiment of the present invention, FIG. 4 is a detailed example diagram of a financial processing unit according to an embodiment of the present invention, FIG. 5 is a flowchart of a recycle matching process according to an embodiment of the present invention, FIG. 6 is a method flowchart according to an embodiment of the present invention. Specific details for implementing the invention

[0036] Hereinafter, some embodiments of the present invention will be described in detail with reference to exemplary drawings. It should be noted that in assigning reference numerals to the components of each drawing, the same components are given the same reference numeral whenever possible, even if they are shown in different drawings. Furthermore, in describing the embodiments of the present invention, if it is determined that a detailed description of related known components or functions would hinder understanding of the embodiments of the present invention, such detailed description is omitted.

[0037] In addition, terms such as first, second, A, B, (a), (b), etc., may be used when describing the components of the embodiments of the present invention. These terms are intended merely to distinguish the components from other components, and the essence, order, or sequence of the components is not limited by these terms. Where it is stated that a component is "connected," "combined," or "joined" to another component, it should be understood that the component may be directly connected or joined to the other component, but that components may also be "connected," "combined," or "joined" between each component.

[0038] FIG. 1 is a conceptual diagram of a system configuration according to an embodiment of the present invention, FIG. 2 is a conceptual diagram of a blockchain processing unit configuration according to an embodiment of the present invention, FIG. 3 is an example diagram of a credit evaluation flow according to an embodiment of the present invention, FIG. 4 is a detailed example diagram of a financial processing unit according to an embodiment of the present invention, FIG. 5 is a flowchart of a recycle matching process according to an embodiment of the present invention, and FIG. 6 is a method flowchart according to an embodiment of the present invention.

[0039] Hereinafter, a logistics data-based agricultural and fishery product distribution and financial linkage platform system and method according to an embodiment of the present invention will be described with reference to FIGS. 1 to 6, and reference numerals may refer to the entire drawing.

[0040] First, referring to FIGS. 1 to 5, a logistics data-based agricultural and fishery product distribution and financial linkage platform system (hereinafter also referred to as the "system") according to an embodiment of the present invention comprises: a communication unit (10) that communicates with a producer terminal (1), a processing company terminal (2), a buyer terminal (3), and a consumer terminal (4); a data collection unit (20) that collects logistics data including incoming data, outgoing data, inspection data, delivery completion data, and receipt data from a warehouse management system (WMS) and a transportation management system (TMS) at predetermined collection cycles; and a blockchain processing unit (30) that assigns a timestamp to the collected logistics data, records it immutably on a distributed ledger of a blockchain network, and automatically verifies whether the logistics data has been tampered with or forged through a smart contract to block fraudulent sales. A credit evaluation unit (40) that extracts credit evaluation indicators including return rate, inventory turnover rate, delivery compliance rate, outbound turnover rate, and inventory retention period from the above logistics data, calculates a comprehensive credit score for each trading entity by applying a pre-set weight to the above credit evaluation indicators, and recalculates and adjusts financial limits and interest rates at pre-set update cycles based on the above comprehensive credit score; a factoring module (51) that pre-settles accounts receivable for which transaction completion has been confirmed by the above delivery completion data and receipt data, a warehouse receipt finance module (52) that issues digital warehouse receipts for agricultural and fishery products stored in a warehouse based on NFT or DLT and executes collateral loans, and a dynamic limit provision module (53) that provides credit limits according to the financial limits adjusted by the above credit evaluation unit;A recycle matching unit (60) that receives information from a producer terminal regarding agricultural and fishery products scheduled for disposal due to external problems or excess harvest yield, determines whether the item, condition, and quantity of the said agricultural and fishery products correspond to the range of processable items and processing capacity stored in the processing company database, and matches a suitable processing company according to a priority that comprehensively considers geographical distance, processing costs, and processing schedule; a funding management unit (70) that receives a request to participate in funding for agricultural and fishery products from a consumer terminal, transmits a production instruction to the producer terminal when the funding target amount is achieved, and distributes the sales revenue of the produced agricultural and fishery products to the funding participants; an integrated payment unit (80) that includes a B2B membership payment module that provides pre-set points upon prepaid charging, a farmer wallet module that converts settlement funds into points and pays them the next day and provides discounts when purchasing agricultural materials, and a logistics card module that pays transportation fees in points and restricts their use to designated locations, and generates Float revenue by operating deposits generated while the said points and points circulate within the platform; It may be configured to include a fund management unit (90) that collects deposit and withdrawal details in real time from the financial processing unit (50), funding management unit (70), and integrated payment unit (80), monitors the total deposit amount and fund liquidity within the platform, and mediates fund movements between modules to implement a closed fund circulation structure.;

[0041] According to one embodiment, a logistics data-based agricultural and fishery product distribution and financial linkage platform system may be configured such that a producer terminal (1), a processing company terminal (2), a buyer terminal (3) and a consumer terminal (4) and a platform server (5) are interconnected through a network, and the platform server (5) may be configured to include a communication unit (10), a data collection unit (20), a blockchain processing unit (30), a credit evaluation unit (40), a financial processing unit (50), a recycling matching unit (60), a funding management unit (70), an integrated payment unit (80), and a fund management unit (90).

[0042] The communication unit (10) can be configured to transmit and receive data through a wired or wireless communication network with a producer terminal (1), a processing company terminal (2), a buyer terminal (3), and a consumer terminal (4), and can relay transaction requests, logistics-related information, funding participation requests, payment requests, and financial processing results in real-time or non-real-time.

[0043] The data collection unit (20) may be configured to automatically collect logistics data, including receiving data, outgoing data, inspection data, delivery completion data, and receipt data, by linking with a warehouse management system and a transportation management system at preset collection cycles. The said logistics data is actual data generated during the actual logistics execution process and can be used as evidence data to objectively prove whether a transaction has been executed. Here, logistics data refers to data including time, quantity, status, and location information generated throughout the entire process from receiving agricultural and fishery products into a warehouse, sending them out, undergoing inspection and transportation, to final acceptance.

[0044] The blockchain processing unit (30) may be configured to assign a timestamp to the logistics data collected through the data collection unit (20) and then record it immutably in the distributed ledger of the blockchain network, thereby preventing the logistics data from being arbitrarily changed or deleted after the time it was created. In this case, the blockchain network may refer to a distributed ledger structure that ensures data integrity and traceability by distributing and storing the same ledger across multiple nodes. The blockchain processing unit (30) may automatically verify the continuity, consistency, and whether the logistics data has been tampered with through the smart contract module (34), and may be configured to automatically exclude transactions determined to be fraudulent sales from financial processing based on the verification results.

[0045] The credit evaluation unit (40) may be configured to extract credit evaluation indicators including return rate, inventory turnover rate, delivery compliance rate, outbound turnover rate, and inventory retention period using logistics data, the reliability of which is secured through the blockchain processing unit (30), as input values. Here, credit evaluation indicators may refer to a set of indicators that quantitatively represent the logistics operational performance and transaction execution ability of the trading entity. The credit evaluation unit (40) may calculate a comprehensive credit score for each trading entity by performing a weighted sum operation that applies pre-set weights for each item to the credit evaluation indicators, and the comprehensive credit score may be configured to be recalculated at pre-set update cycles. Through this, the credit evaluation unit (40) can control the transaction entity so that changes in logistics performance are reflected in financial conditions in real time or periodically.

[0046] The financial processing unit (50) may be configured to dynamically adjust financial limits and interest rates based on the comprehensive credit score calculated by the credit evaluation unit (40), and may include a factoring module (51), a warehouse receipt financial module (52), and a dynamic limit provision module (53). The factoring module (51) may be configured to perform advance settlement processing on accounts receivable for which transaction completion has been confirmed by delivery completion data and receipt data, thereby enabling the transaction entity to secure liquidity without settlement delays. The warehouse receipt financial module (52) may be configured to issue digital warehouse receipts based on NFT or DLT for agricultural and fishery products stored in a warehouse and to enable financial transactions using them as collateral, and the digital warehouse receipt may refer to a means of electronically proving the item, grade, quantity, and storage status of the collateral asset. The dynamic limit provision module (53) may be configured to provide or change credit limits for each transaction entity according to the comprehensive credit score adjusted by the credit evaluation unit (40).

[0047] The recycle matching unit (60) may be configured to receive information from the producer terminal (1) regarding agricultural and fishery products that are difficult to distribute normally due to external problems or excess harvest yield, and may determine whether the item, condition, and quantity of the agricultural and fishery products correspond to the range of items and processing capacity of the processing company database stored in the processing company terminal (2). Based on the determination result, the recycle matching unit (60) may calculate a priority that comprehensively considers geographical distance, processing costs, and processing schedule to match a suitable processing company, thereby enabling the reprocessing and distribution of agricultural and fishery products scheduled for disposal.

[0048] The funding management unit (70) may be configured to receive a request for funding participation for agricultural and fishery products from a consumer terminal (4), and may be configured to transmit a production instruction to a producer terminal (1) when the funding target amount is achieved. The funding management unit (70) may control the distribution of sales revenue of the produced agricultural and fishery products to funding participants, thereby forming a structure in which consumers participate in the production and distribution process.

[0049] The integrated payment unit (80) may be configured to include a B2B membership payment module, a farmer wallet module, and a logistics card module, and can process various payments and settlements occurring within the platform in an integrated manner. The B2B membership payment module may be configured to provide pre-set points upon prepaid charging, and the farmer wallet module may be configured to convert settlement funds into points and pay them the next day, and to provide discount benefits when purchasing agricultural materials. The logistics card module may manage the purpose of fund usage by paying transportation fees in points but restricting their use to designated locations only. Here, points and points may refer to internal payment methods that are linked to cash but designed to be used preferentially within the platform.

[0050] The fund management unit (90) can be configured to collect deposit and withdrawal details in real time from the financial processing unit (50), funding management unit (70), and integrated payment unit (80), and can continuously monitor the total deposit amount and fund liquidity within the platform. The fund management unit (90) can implement a closed fund circulation structure in which funds are not unnecessarily leaked out of the platform by mediating and controlling the movement of funds between each module, thereby ensuring the stability and sustainability of platform operations.

[0051] In addition, a blockchain processing unit (30) according to one embodiment of the present invention may be configured to sequentially collect logistics data through a first tracking module (31) that collects shipment data from a production site, a second tracking module (32) that collects incoming and outgoing data from a logistics base, and a third tracking module (33) that collects acceptance data from a final buyer, verify whether the logistics data at each stage collected from the first tracking module (31), the second tracking module (32), and the third tracking module (33) has continuity and consistency, execute automatic verification of the logistics data and automatic payment when transaction conditions are met through a smart contract module (34), and prevent tampering with data by immutably recording the incoming data, outgoing data, inspection data, delivery completion data, and acceptance receipt data together with a timestamp in a distributed ledger of a blockchain network.

[0052] Referring to FIGS. 1 and 2, the blockchain processing unit (30) may be configured to track and verify the flow of logistics data step by step from the generation stage to the final transaction completion stage, and to this end, it may be configured to include a first tracking module (31), a second tracking module (32), a third tracking module (33), and a smart contract module (34).

[0053] The first tracking module (31) may be configured to collect shipment data generated at the time of shipment from the production site, and the shipment data may include item information, shipment quantity, shipment time, and shipment location information transmitted from the producer terminal (1) or a system linked to the production site. The first tracking module (31) may be configured to assign a unique identifier along with a timestamp at the time of data generation to identify that the shipment data is source data generated at the initial logistics stage.

[0054] The second tracking module (32) may be configured to collect incoming data and outgoing data from a warehouse or distribution center corresponding to a logistics hub, and the incoming data and outgoing data may be automatically collected by linking with a warehouse management system or a transportation management system. The second tracking module (32) may be configured to verify whether the incoming data and outgoing data have temporal and quantitative continuity with the outgoing data collected by the first tracking module (31), thereby preventing some steps in the logistics process from being omitted or arbitrarily manipulated.

[0055] The third tracking module (33) may be configured to collect acceptance data generated at the time of acceptance by the final buyer, and said acceptance data may be received from the buyer terminal (3) or consumer terminal (4) in the form of acceptance receipt data. The third tracking module (33) can finally confirm whether the goods have been delivered by comparing and verifying whether said acceptance data matches the delivery completion data.

[0056] The blockchain processing unit (30) may be configured to verify whether the logistics data collected step by step through the first tracking module (31), the second tracking module (32), and the third tracking module (33) has continuity in chronological order, whether the change in quantity between each step is within a reasonable range, and whether it maintains consistency as data for the same transaction. Here, continuity may mean that the logistics data of the previous step and the logistics data of the next step are connected without being disconnected temporally or logically, and consistency may mean a state in which there is no mutually contradictory data for the same transaction.

[0057] The smart contract module (34) may be configured to automatically determine whether transaction conditions are met based on logistics data verified by the blockchain processing unit (30), and the transaction conditions may include whether delivery is completed, whether receipt of receipt is confirmed, and whether pre-set quality conditions are met. When the transaction conditions are met, the smart contract module (34) may control the initiation of an automatic payment or advance settlement procedure by transmitting a transaction completion signal to the financial processing unit (50) or the integrated payment unit (80).

[0058] The blockchain processing unit (30) can be configured to sequentially record receiving data, outgoing data, inspection data, delivery completion data, and receipt data, along with timestamps, on the distributed ledger of the blockchain network, and each data can be structurally prevented from tampering with data by forming a chain structure by connecting each data with the hash value of previously recorded data. Through this, it becomes virtually impossible to subsequently change or delete only the logistics data of a specific stage.

[0059] The blockchain processing unit (30) configured in this way can manage the entire process from the creation of logistics data to the completion of the transaction as a single verified data flow, thereby preventing false sales or unfulfilled transactions from being included as financial processing targets in advance, and can support the credit evaluation unit (40) and the financial processing unit (50) to operate based only on reliable data.

[0060] In addition, the credit evaluation unit (40) according to one embodiment of the present invention may be configured to determine the increase in the shipment turnover rate, the increase in the delivery compliance rate, and the increase in the transaction volume as positive indicators, and the increase in the return rate and the increase in the inventory retention period as negative indicators, and to calculate the overall credit score by assigning a positive (+) weight, which is pre-set for each item, to the positive indicators and a negative (-) weight, which is pre-set for each item, to the negative indicators, and if the overall credit score rises above a pre-set first threshold, the financial limit is adjusted upward by a pre-set first ratio or the interest rate is adjusted downward by a pre-set second ratio, and if the overall credit score falls below a pre-set second threshold, the financial limit is adjusted downward by a pre-set third ratio or the interest rate is adjusted upward by a pre-set fourth ratio.

[0061] Referring to FIGS. 1 and 3, the credit evaluation unit (40) may be configured to calculate credit evaluation indicators for each trading entity based on logistics data verified and immutably recorded by the blockchain processing unit (30). Here, trading entities may be defined as including producers, processors, and buyers, and each trading entity may access the platform server (5) through a producer terminal (1), a processor terminal (2), or a buyer terminal (3).

[0062] The credit evaluation unit (40) may be configured to use only data verified by the blockchain processing unit (30) among the incoming data, outgoing data, delivery completion data, and receipt data collected through the data collection unit (20) as evaluation targets. This structurally excludes the inclusion of unconfirmed data or data with potential for manipulation in the credit evaluation.

[0063] The credit evaluation department (40) may be configured to calculate a credit evaluation index by setting at least one of the following as credit evaluation factors: the transaction fulfillment rate, the frequency of delivery delays, the success rate of receipt confirmation, and the number of cumulative transactions during the transaction period. Here, the transaction fulfillment rate may refer to the ratio of contracted transactions in which delivery and acceptance are completed normally, and the frequency of delivery delays may refer to the frequency of transactions that exceed a pre-set delivery deadline.

[0064] The credit evaluation department (40) may be configured to evaluate the credit evaluation factors comprehensively based on weights, rather than evaluating them as a single factor. In this case, the weights may be set differently depending on the characteristics of the agricultural and fishery products, the transaction volume, or the type of the trading entity. For example, the weights for transaction continuity and fulfillment rate may be set high for producers, and the weights for acceptance delay and payment history may be set high for buyers.

[0065] The credit evaluation unit (40) may be configured to update the calculated credit evaluation indicators in real time or periodically, and the update cycle may be automatically updated whenever a transaction occurs or updated in a batch processing manner at regular intervals. Through this, the latest transaction status of the transaction subject may be immediately reflected in the financial processing unit (50).

[0066] The credit evaluation unit (40) transmits the calculated credit evaluation indicators to the financial processing unit (50), thereby enabling the factoring module (51), the warehouse receipt financial module (52), or the dynamic limit provision module (53) to automatically determine whether to provide financial and the financial conditions based on the credit evaluation indicators. This allows financial provision to be performed based on actual logistics execution data, rather than relying on simple creditworthiness or external evaluations.

[0067] The credit evaluation department (40) configured in this way utilizes actual transaction execution data generated during the distribution of agricultural and fishery products as the core basis for credit evaluation, thereby enabling objective and data-based financial linkage for small-scale producers and processors who had low access to finance due to a lack of collateral or credit history.

[0068] In addition, a warehouse receipt financial module (52) according to one embodiment of the present invention may be configured to collect warehouse data including the item, grade, quantity, date of entry, storage temperature, and humidity of agricultural and fishery products received in the warehouse from a warehouse management system, tokenize the warehouse data based on NFT (Non-Fungible Token) or DLT (Distributed Ledger Technology) to issue a digital warehouse receipt containing item information, grade information, quantity information, and date of entry information, continuously collect the storage temperature and humidity at set monitoring cycles, calculate the collateral value reduction rate according to the storage period and environmental conditions by referring to an item-specific quality deterioration model database, determine a collateral loan limit by adjusting the collateral recognition ratio (LTV, Loan To Value) inversely proportional to the collateral value reduction rate, and execute a collateral loan within the determined collateral loan limit range by linking with a financial institution server via API.

[0069] Referring to FIGS. 1 and 4, the financial processing unit (50) may be configured to automatically perform multiple financial services by linking the credit evaluation indicator calculated by the credit evaluation unit (40) with the logistics data verified by the blockchain processing unit (30). The financial processing unit (50) may be configured to include a factoring module (51), a warehouse receipt financial module (52), and a dynamic limit provision module (53).

[0070] The factoring module (51) may be configured to provide advance settlement financing for accounts receivable for which a transaction has been concluded but payment has not yet been completed. The factoring module (51) can verify whether the transaction has been substantially executed based on delivery completion data and receipt data recorded in the blockchain processing unit (30), and can determine the validity of the accounts receivable based on the verification result. This prevents fraudulent accounts receivable that are not accompanied by actual transactions from being included in the financing.

[0071] The warehouse receipt financial module (52) can be configured to utilize digital warehouse receipts issued for agricultural and fishery products stored at a logistics hub as financial assets. Here, a digital warehouse receipt may refer to an electronic proof that proves, based on receiving data and inspection data, that a certain quantity of agricultural and fishery products is stored at a specific logistics hub. The warehouse receipt financial module (52) can provide financing using the digital warehouse receipt as collateral after verifying whether the digital warehouse receipt is immutably recorded by the blockchain processing unit (30).

[0072] The dynamic limit provision module (53) can be configured to automatically adjust the financial provision limit according to changes in credit evaluation indicators for each transaction entity and the accumulated status of logistics data. The dynamic limit provision module (53) can increase the financial limit if the transaction fulfillment rate is maintained above a certain standard or if the number of transactions accumulates, and can decrease the financial limit if delivery delays or acceptance failures occur repeatedly. Through this, financial conditions can be flexibly changed based on real-time data rather than static standards.

[0073] The financial processing unit (50) may be configured to automatically calculate the financial types and conditions available to the transaction subject by integrating the execution results of the factoring module (51), the warehouse receipt financial module (52), and the dynamic limit provision module (53). At this time, the calculated financial conditions may be provided through the producer terminal (1), the processing company terminal (2), or the buyer terminal (3).

[0074] The financial processing unit (50) configured in this way can determine whether to execute financial transactions by combining logistics data and credit evaluation results, thereby enabling objective and automated financial linkages based on physical distribution, unlike existing financial structures where the basis for providing financial transactions is unclear or relies on subjective judgment.

[0075] In addition, according to one embodiment of the present invention, the recycle matching unit (60) predicts the normal salesable quantity using an artificial intelligence prediction model based on the harvest quantity information and past sales history data of agricultural and fishery products received from the producer terminal (1), identifies surplus agricultural and fishery products exceeding the predicted normal salesable quantity and agricultural and fishery products that cannot be normally distributed due to external problems as agricultural and fishery products subject to reprocessing, calculates a suitability score by comparing the item, condition, quantity, and location information of the agricultural and fishery products subject to reprocessing with the processing capacity, items that can be processed, equipment ownership status, and geographical location of the processing company database, calculates a priority score by comprehensively considering the suitability score, transportation costs based on geographical distance, processing unit price, and processing schedule, selects the top N processing companies with the highest priority score as matching candidates and transmits them to the producer terminal (1) and the processing company terminal (2), and is configured to initiate funding for the reprocessed product in conjunction with the funding management unit (70) when a contract is concluded.

[0076] Referring to FIGS. 1 and FIGS. 5, the recycle matching unit (60) may be configured to perform matching between trading entities in order to convert agricultural and fishery products that were not sold in normal distribution channels into re-distribution or recyclable trading targets. Here, recycle may mean converting surplus quantities, non-standard items, or items nearing their expiration date generated during the distribution process into items for processing, resale, or other uses, rather than discarding them.

[0077] The recycle matching unit (60) may be configured to automatically identify agricultural and fishery products subject to recycle based on receiving data, inspection data, and inventory data recorded in the blockchain processing unit (30). The agricultural and fishery products subject to recycle may be defined as cases where there are no quality issues but the regular transaction conditions are not met, for example, items with weight deviations, substandard appearance specifications, or remaining shelf life may fall under this category.

[0078] The recycle matching unit (60) may be configured to generate matching candidates for a processing company terminal (2) or an alternative buyer terminal (3) based on the item characteristics, quantity, remaining shelf life, and storage location information of the agricultural and fishery products to be recycled. At this time, the processing company terminal (2) may be defined as an entity that performs a processing process where the characteristics of the raw material are more important than the appearance of the raw material, such as the production of juice, frozen food, or processed food.

[0079] The recycle matching unit (60) can be configured to compare and analyze transaction conditions between matching candidates to derive an optimal matching result that comprehensively considers transportation distance, estimated processing time, and expected transaction amount. Through this, matching that considers both logistics efficiency and resource utilization simultaneously, rather than simple price-first matching, can be made possible.

[0080] The recycle matching unit (60) can control the transaction information to be transmitted to the blockchain processing unit (30) and recorded as a new transaction when a transaction is established based on the matching result. The recycle transaction data generated at this time can be managed as a separate transaction type distinct from existing transactions, and can subsequently be used as evaluation target data for the credit evaluation unit (40) and the financial processing unit (50).

[0081] The recycling matching unit (60) configured in this way can minimize the amount of waste generated during the distribution of agricultural and fishery products and convert the amount that was excluded from the existing distribution structure into new economic value, thereby improving the profitability of producers and processors and increasing the efficiency of the entire distribution system.

[0082] Meanwhile, referring further to FIG. 6, a logistics data-based agricultural and fishery product distribution and financial linkage method according to one embodiment of the present invention comprises a platform server (5), a producer terminal (1), a processing company terminal (2), a buyer terminal (3), and a consumer terminal (4), wherein the method comprises: (a) a step in which the platform server (5) collects logistics data including receiving data, outgoing data, inspection data, delivery completion data, and receipt data from a warehouse management system (WMS) and a transportation management system (TMS) at predetermined collection cycles; (b) a step in which the platform server (5) assigns a timestamp to the collected logistics data to record it immutably in a distributed ledger of a blockchain network, and automatically verifies whether the logistics data has been tampered with or forged through a smart contract; (c) A step in which the platform server (5) extracts credit evaluation indicators including return rate, inventory turnover rate, delivery compliance rate, outbound turnover rate, and inventory retention period from the logistics data, and calculates a comprehensive credit score for each trading entity by applying a pre-set weight to the credit evaluation indicators; (d) A step in which the platform server (5) recalculates and adjusts financial limits and interest rates at pre-set update cycles based on the comprehensive credit score; (e) A step in which the consumer terminal (4) transmits a request to participate in funding for desired agricultural and fishery products to the platform server; (f) A step in which the platform server (5) transmits a production instruction to the producer terminal when the funding target amount is achieved; (g) A step in which the producer terminal (1) transmits information on agricultural and fishery products subject to reprocessing that have surplus or external problems after production is completed to the platform server (5); (h) A platform server (5) compares the item, condition, and quantity of the agricultural and fishery products to be reprocessed with a processing company database to match a suitable processing company, and transmits the matching result to a producer terminal (1) and a processing company terminal (2);(i) a step in which a buyer terminal (3) transmits a prepaid top-up or payment request to a platform server (5), and the platform server (5) provides points or accumulated funds; (j) a step in which the platform server (5) generates Float revenue by operating deposits generated while the points and accumulated funds provided in step (i) are circulating within the platform; and (k) a step in which the platform server (5) pre-settles accounts receivable for which transaction completion has been confirmed by the delivery completion data and receipt data according to the transaction type, executes a collateral loan by issuing a digital warehouse receipt for agricultural and fishery products stored in a warehouse based on NFT or DLT, or provides a credit limit according to the financial limit adjusted in step (d).

[0083] The producer terminal (1), processing company terminal (2), buyer terminal (3), and consumer terminal (4) can be interconnected and operated around the platform server (5). The platform server (5) can transmit and receive data to and from each terminal and external system through the communication unit (10).

[0084] First, the platform server (5) can automatically collect logistics data, including incoming data, outgoing data, inspection data, delivery completion data, and receipt data from the warehouse management system and the transportation management system through the data collection unit (20) at preset collection cycles. At this time, the logistics data can be collected as structured data so that transaction units, logistics stages, and time information are clearly distinguished.

[0085] The platform server (5) can assign a timestamp to the collected logistics data through the blockchain processing unit (30) and record it immutably on the distributed ledger of the blockchain network. In addition, by automatically verifying whether the logistics data has been tampered with using the smart contract module (34), the possibility of false inflow / outflow or false sales can be prevented in advance.

[0086] The platform server (5) can extract credit evaluation indicators, including return rate, inventory turnover rate, delivery compliance rate, outbound turnover rate, and inventory retention period, from the logistics data through the credit evaluation unit (40). The credit evaluation indicators can be calculated as a comprehensive credit score for each trading entity through a weighted sum operation with pre-set weights applied to reflect the characteristics of each item.

[0087] The platform server (5) controls the financial processing unit (50) based on the comprehensive credit score, thereby recalculating and adjusting the financial limit and interest rate at each preset update cycle. Through this, the actual logistics performance of the transaction entity can be reflected in the financial conditions in real-time or near-real-time.

[0088] Meanwhile, the consumer terminal (4) can transmit a request to participate in funding for the desired agricultural and fishery product to the platform server (5) through the communication unit (10). The platform server (5) manages the accumulated funding participation request through the funding management unit (70), and when the funding target amount is achieved, it can transmit a production instruction to the producer terminal (1).

[0089] When there is a surplus of agricultural or fishery products after production is completed or there are products with external issues, the producer terminal (1) can identify the agricultural or fishery products as products to be reprocessed and transmit the relevant information to the platform server (5). The platform server (5) can match a suitable processing company by comparing the item, condition, and quantity of the agricultural or fishery products to be reprocessed with the processing company database through the recycle matching unit (60), and transmit the matching result to the producer terminal (1) and the processing company terminal (2).

[0090] The buyer terminal (3) may transmit a prepaid top-up or payment request to the platform server (5) to proceed with the transaction, and the platform server (5) may provide points or accumulated funds through the integrated payment unit (80). At this time, the points and accumulated funds may be managed to be used restrictively within the platform through the B2B membership payment module, the farm wallet module, and the logistics card module.

[0091] The platform server (5) can generate Float revenue by managing the deposits generated while the points and accumulated funds circulate within the platform through the integrated payment unit (80). Here, Float revenue may refer to financial revenue generated by managing the deposits temporarily held by the platform server (5) due to the time difference between the payment or settlement time.

[0092] Finally, the platform server (5) can perform various financial processing according to the transaction type through the financial processing unit (50). For example, if the completion of a transaction is confirmed by delivery completion data and receipt data, accounts receivable can be pre-settled through the factoring module (51), and for agricultural and fishery products stored in a warehouse, a digital warehouse receipt can be issued based on NFT or DLT through the warehouse receipt financial module (52) to execute a collateral loan, and a credit limit can be provided through the dynamic limit provision module (53) according to the financial limit adjusted by the credit evaluation unit (40).

[0093] Additionally, according to one embodiment of the present invention, step (c) comprises: (c-1) a step in which a platform server (5) determines that an increase in the shipment turnover rate, an increase in the delivery compliance rate, and an increase in transaction volume are positive indicators, and determines that an increase in the return rate and an increase in the inventory retention period are negative indicators; and (c-2) a step in which a platform server (5) calculates the comprehensive credit score by assigning a positive (+) weight, which is pre-set for each item, to the positive indicators and a negative (-) weight, which is pre-set for each item, to the negative indicators, and the step (d) comprises: (d-1) a step in which a platform server (5) adjusts the financial limit upward by a pre-set first ratio or adjusts the interest rate downward by a pre-set second ratio when the comprehensive credit score rises above a pre-set first threshold; and (d-2) the platform server (5) may be configured to include the step of lowering the financial limit by a preset third ratio or raising the interest rate by a preset fourth ratio when the overall credit score falls below a preset second threshold.

[0094] The platform server (5) can perform the process of quantifying logistics performance data and automatically adjusting financial conditions, centered on the credit evaluation unit (40). In this case, credit evaluation in the present invention may mean calculating transaction reliability based on actual logistics execution results, rather than traditional credit evaluation based on financial statements.

[0095] The platform server (5) can calculate changes in the outbound turnover rate, delivery compliance rate, and transaction volume by analyzing outbound data, delivery completion data, and receipt data collected through the data collection unit (20). The platform server (5) can classify an increase in the outbound turnover rate, an increase in the delivery compliance rate, and an increase in transaction volume as positive indicators by determining that the transaction execution capability has improved.

[0096] The platform server (5) can analyze return data and inventory data to calculate an increase in the return rate and an increase in the inventory retention period, and the increase in the return rate and the increase in the inventory retention period can be classified as negative indicators by determining that they indicate transaction instability or poor inventory management. By clearly distinguishing between positive and negative indicators in this way, objectivity and consistency in credit evaluation can be ensured.

[0097] The platform server (5) can calculate a comprehensive credit score for each trading entity by performing a weighted sum operation through the credit evaluation unit (40), by assigning a pre-set positive (+) weight to the positive indicators and a pre-set negative (-) weight to the negative indicators. Here, the item-specific weight may refer to a coefficient to reflect that even for the same indicator, the degree of influence on creditworthiness varies depending on the characteristics of the item, such as fresh agricultural products, stored agricultural products, or processed raw materials.

[0098] The platform server (5) can determine whether to adjust financial conditions by comparing the calculated comprehensive credit score with a preset first threshold and a preset second threshold. If the comprehensive credit score rises above the first threshold, the platform server (5) can control the financial processing unit (50) to increase the financial limit by a preset first ratio or decrease the interest rate by a preset second ratio. Through this, favorable financial conditions can be automatically provided to a trading entity with excellent trading performance.

[0099] Conversely, if the overall credit score falls below the second threshold, the platform server (5) can control the financial processing unit (50) to lower the financial limit by a preset third ratio or raise the interest rate by a preset fourth ratio. By doing so, financial exposure to trading entities with increased trading risk can be automatically limited, thereby maintaining the financial stability of the entire platform.

[0100] In this way, the platform server (5) can implement an automatic adjustment structure in which the results of logistics execution are reflected in financial conditions in real-time or near-real-time, and this can provide a technical effect that is clearly distinguishable from a static credit evaluation method.

[0101] In addition, according to one embodiment of the present invention, when executing a collateral loan by issuing a digital warehouse receipt in step (k), (k-1) a platform server (5) collects warehouse data including the item, grade, quantity, date of entry, storage temperature, and humidity of agricultural and fishery products received in the warehouse from a warehouse management system; (k-2) a platform server (5) tokenizes the warehouse data based on NFT (Non-Fungible Token) or DLT (Distributed Ledger Technology) and issues a digital warehouse receipt including item information, grade information, quantity information, and date of entry information; (k-3) a platform server (5) continuously collects the storage temperature and humidity at preset monitoring cycles and calculates a collateral value reduction rate according to the storage period and environmental conditions by referring to an item-specific quality deterioration model database; and (k-4) the platform server (5) may be configured to include the step of determining a collateral loan limit by adjusting the loan-to-value (LTV) ratio inversely proportional to the collateral value reduction rate, and executing a collateral loan within the determined collateral loan limit range by linking with the financial institution server via API.

[0102] The platform server (5) can perform a series of processing steps centered on the warehouse receipt finance module (52) to execute finance by utilizing agricultural and fishery products stored in the warehouse as collateral assets. At this time, a digital warehouse receipt may refer to a tokenized proof means issued to prove the storage status and rights information of physical agricultural and fishery products in an electronic form.

[0103] The platform server (5) can collect basic warehouse data including the item, grade, quantity, and date of entry of agricultural and fishery products received in the warehouse from the warehouse management system through the data collection unit (20). In addition, the platform server (5) can collect storage temperature and humidity data together to reflect the storage environment, and the storage temperature and humidity data can be collected in the form of real-time sensors or periodic measurements.

[0104] The platform server (5) can issue a digital warehouse receipt by tokenizing the collected warehouse data based on NFT or DLT through the warehouse receipt financial module (52). At this time, the digital warehouse receipt must include item information, grade information, quantity information, and receiving date information of the agricultural and fishery products, and the information can be recorded in a distributed ledger through the blockchain processing unit (30) to prevent tampering.

[0105] The platform server (5) can continuously collect storage temperature and humidity at preset monitoring intervals even after a digital warehouse receipt has been issued. The platform server (5) can estimate the degree of quality deterioration of the agricultural and fishery products according to the elapsed storage period and changes in storage environmental conditions by referring to the item-specific quality deterioration model database, and calculate the collateral value reduction rate accordingly. Here, the quality deterioration model may refer to a model that quantifies the quality change pattern according to the storage period and environmental conditions of a specific item.

[0106] The platform server (5) can dynamically adjust the collateral recognition ratio, i.e., LTV, inversely proportional to the calculated collateral value reduction rate. For example, the collateral value reduction rate can be set to increase when the storage period is extended or the storage environment deviates from the standard conditions, and accordingly, the collateral recognition ratio can be automatically lowered. Through this, changes in the condition of the physical asset can be reflected in the collateral loan limit in real-time or near-real-time.

[0107] The platform server (5) can determine the collateral loan limit based on the adjusted collateral recognition ratio, and then execute a collateral loan within the collateral loan limit range by performing API integration with the financial institution server. In this process, the digital warehouse receipt can be used as a means of proving rights to the collateral asset, and whether the loan is executed and the amount executed are recorded in the blockchain processing unit (30) so that the transaction history can be managed transparently.

[0108] In this way, the platform server (5) can implement collateral financing that reflects the real-time status of agricultural and fishery products stored in the warehouse, and this can provide a technical effect that is clearly distinguishable from a static warehouse receipt-based financing method.

[0109] The usage state according to one embodiment of the logistics data-based agricultural and fishery product distribution and financial linkage platform system and method of the present invention, as described above, is as follows.

[0110] A logistics data-based agricultural and fishery product distribution and financial linkage platform system according to one embodiment of the present invention can be operated with the producer terminal (1), processing company terminal (2), buyer terminal (3), and consumer terminal (4) interconnected through the communication unit (10) centered around the platform server (5).

[0111] First, when a farmer using a producer terminal (1) registers a production plan for a specific agricultural or fishery product to the platform server (5), the information can be transmitted to the platform server (5) through the communication unit (10). Multiple consumers using a consumer terminal (4) can send a request to participate in funding for the agricultural or fishery product through the funding management unit (70), and the platform server (5) can tally in real time whether the funding target amount has been achieved.

[0112] When the funding target amount is achieved, the platform server (5) can transmit a production instruction to the producer terminal (1), and the producer terminal (1) can perform the production of agricultural and fishery products accordingly. The agricultural and fishery products that have been produced are moved to a logistics hub and managed by a warehouse management system, and the receiving data and inspection data generated during this process can be automatically collected through the data collection unit (20).

[0113] The platform server (5) can assign timestamps to the receiving data and inspection data through the blockchain processing unit (30), and sequentially collect logistics data at the production site and logistics base stages through the first tracking module (31) and the second tracking module (32) to immutably record them on the distributed ledger of the blockchain network. Subsequently, outbound data and delivery completion data generated during the outbound and delivery processes can be additionally collected through the third tracking module (33).

[0114] The buyer terminal (3) can transmit a purchase request for the agricultural and fishery products to the platform server (5), and when delivery is completed and receipt data is collected, the platform server (5) can automatically verify whether the transaction is completed through the smart contract module (34). If the transaction is confirmed to be completed, the factoring module (51) of the financial processing unit (50) can perform an advance settlement on the accounts receivable.

[0115] Meanwhile, the platform server (5) can calculate a comprehensive credit score for each trading entity by analyzing credit evaluation indicators, including the shipment turnover rate, delivery compliance rate, return rate, and inventory retention period accumulated during the transaction process, through the credit evaluation unit (40). The comprehensive credit score can be reflected in financial limits and interest rate conditions by the dynamic limit provision module (53).

[0116] Subsequently, if agricultural or fishery products that are difficult to distribute normally occur at the producer terminal (1) due to excess yield or external issues, the information can be transmitted to the recycle matching unit (60). The recycle matching unit (60) can automatically match a suitable processing company by referring to the processing-capable items and processing capacity information of the processing company terminal (2), and if a match is established, a reprocessing transaction can be initiated.

[0117] The platform server (5) processes prepaid charging and payment requests from the buyer terminal (3) through the integrated payment unit (80) and can pay points and accumulated funds through the B2B membership payment module, the farm wallet module, and the logistics card module. The fund management unit (90) manages deposits generated during the circulation process of the points and accumulated funds and can maintain a closed fund circulation structure within the platform.

[0118] In addition, in another embodiment of the present invention, the platform server (5) can analyze the fluctuation trend of the comprehensive credit score calculated by the credit evaluation unit (40) along the time axis and evaluate it by distinguishing between short-term fluctuations and long-term trends. At this time, short-term fluctuations are judged as temporary logistics failures and are not reflected in the adjustment of financial conditions, while control can be exercised to reflect only the long-term trend in the adjustment of financial limits.

[0119] In addition, in another embodiment of the present invention, the blockchain processing unit (30) can automatically verify whether duplicate issuance has occurred based on item information and receiving date information in order to prevent duplicate digital warehouse receipts from being issued for the same agricultural and fishery product. This prevents the double financing of collateral assets.

[0120] In addition, in another embodiment of the present invention, the recycle matching unit (60) can use the success rate and processing completion time of past recycle transactions as learning data to calculate a reliability score for each processing company and additionally reflect the reliability score in the calculation of the matching priority.

[0121] In addition, in another embodiment of the present invention, the integrated payment unit (80) may be configured to differentially restrict the usage range of points and accumulated funds according to the transaction type, and may restrict specific points to be used only for purchasing agricultural materials, and control other points to be used only for paying logistics costs.

[0122] In addition, in another embodiment of the present invention, the fund management unit (90) can automatically control the liquidity risk of the entire platform by temporarily relaxing or restricting the financial provision conditions through the financial processing unit (50) when the total deposit amount within the platform exceeds a preset threshold.

[0123] In the foregoing, although all components constituting an embodiment of the present invention have been described as being combined or operating in combination, the present invention is not necessarily limited to such embodiments. That is, within the scope of the purpose of the present invention, all components may be selectively combined in one or more ways to operate. Furthermore, terms such as "include," "constitute," or "have" described above, unless specifically stated otherwise, mean that the relevant component may be inherent; thus, they should be interpreted as allowing for the inclusion of additional components rather than excluding other components. All terms, including technical or scientific terms, have the same meaning as generally understood by those skilled in the art to which the present invention pertains, unless otherwise defined. Terms commonly used, such as those defined in advance, should be interpreted in accordance with their meaning in the context of the relevant technology and should not be interpreted in an ideal or overly formal sense unless explicitly defined in the present invention.

[0124] The foregoing description is merely an illustrative explanation of the technical concept of the present invention, and those skilled in the art to which the present invention pertains will be able to make various modifications and variations within the scope of the essential characteristics of the present invention. Accordingly, the embodiments disclosed in this invention are intended to explain, not limit, the technical concept of the present invention, and the scope of the technical concept of the present invention is not limited by such embodiments. The scope of protection of the present invention shall be interpreted by the claims below, and all technical concepts within an equivalent scope shall be interpreted as being included within the scope of rights of the present invention. Explanation of the symbols

[0125] 1: Producer terminal 2: Processor terminal 3: Buyer's terminal 4: Consumer's terminal 5: Platform Server 10: Communications Department 20: Data Collection Department 30: Blockchain processing unit 31: 1st tracking module 32: 2nd Tracking Module 33: 3rd Tracking Module 34: Smart Contract Module 40: Credit Rating Department 50: Financial Processing Unit 51: Factoring Module 52: Warehouse Receipt Financial Module 53: Dynamic Limit Provision Module 60: Recycle Matching Department 70: Funding Management Department 80: Integrated Payment Department 90: Fund Management Department

Claims

Claim 1 A logistics data-based platform system for the distribution and financial linkage of agricultural and fishery products comprises: a communication unit communicating with producer terminals, processor terminals, buyer terminals, and consumer terminals; a data collection unit collecting logistics data, including incoming data, outgoing data, inspection data, delivery completion data, and receipt data, from a Warehouse Management System (WMS) and a Transportation Management System (TMS) at predetermined collection cycles; a blockchain processing unit assigning timestamps to the collected logistics data and recording them immutably on a distributed ledger of a blockchain network, and automatically verifying whether the logistics data has been tampered with or forged through a smart contract to block fraudulent sales; a credit evaluation unit extracting credit evaluation indicators from the logistics data, including return rate, inventory turnover rate, on-time delivery rate, outgoing turnover rate, and inventory retention period, calculating a comprehensive credit score for each trading entity as a weighted sum by applying predetermined weights per item to the credit evaluation indicators, and recalculating and adjusting financial limits and interest rates at predetermined update cycles based on the comprehensive credit score; a factoring module that pre-settles accounts receivable for which transaction completion has been confirmed by the delivery completion data and receipt data, and stores in a warehouse A financial processing unit comprising a warehouse receipt financial module that issues digital warehouse receipts for agricultural and fishery products based on NFT or DLT and executes collateral loans, and a dynamic limit provision module that provides credit limits according to financial limits adjusted by the credit evaluation unit; a recycle matching unit that receives information on agricultural and fishery products scheduled for disposal due to external issues or excess harvest yield from a producer terminal, determines whether the item, condition, and quantity of the agricultural and fishery products correspond to the range of processable items and processing capacity stored in the processor database, and matches a suitable processor according to a priority that comprehensively considers geographical distance, processing costs, and processing schedules; and a funding management unit that receives a request for funding participation for agricultural and fishery products from a consumer terminal, transmits a production instruction to the producer terminal upon achievement of the funding target amount, and distributes the sales revenue of the produced agricultural and fishery products to funding participants.An integrated payment unit comprising a B2B membership payment module that provides pre-set reward points upon prepaid top-up, a farm wallet module that converts settlement funds into points and pays them the next day and provides discounts on the purchase of agricultural materials, and a logistics card module that pays shipping fees in points and restricts their use to designated locations, and generating Float revenue by operating deposits generated while the said points and reward points circulate within the platform; It includes a fund management unit that collects deposit and withdrawal details occurring in real time from the financial processing unit, the funding management unit, and the integrated payment unit, monitors the total deposit amount and fund liquidity within the platform, and implements a closed fund circulation structure by mediating fund movements between modules; and the warehouse receipt financial module collects warehouse data including the item, grade, quantity, arrival date, storage temperature, and humidity of agricultural and fishery products received in the warehouse from the warehouse management system, tokenizes the warehouse data based on NFT (Non-Fungible Token) or DLT (Distributed Ledger Technology) to issue a digital warehouse receipt containing item information, grade information, quantity information, and arrival date information, continuously collects the storage temperature and humidity at preset monitoring cycles, calculates the collateral value reduction rate according to the storage period and environmental conditions by referring to an item-specific quality degradation model database, determines the collateral loan limit by adjusting the Loan To Value (LTV) ratio inversely proportional to the collateral value reduction rate, and links with a financial institution server via API to [address] collateral within the range of the determined collateral loan limit A logistics data-based agricultural and fisheries product distribution and financial linkage platform system characterized by the execution of loans. Claim 2 A logistics data-based agricultural and fishery product distribution and financial linkage platform system according to claim 1, wherein the blockchain processing unit sequentially collects logistics data through a first tracking module that collects shipment data from a production site, a second tracking module that collects incoming and outgoing data from a logistics hub, and a third tracking module that collects acceptance data from a final buyer; verifies whether the logistics data at each stage collected by the first tracking module, the second tracking module, and the third tracking module has continuity and consistency; executes automatic verification of the logistics data and automatic payment when transaction conditions are met through a smart contract module; and prevents tampering with data by immutably recording the incoming data, outgoing data, inspection data, delivery completion data, and acceptance receipt data along with timestamps on a distributed ledger of a blockchain network. Claim 3 A logistics data-based agricultural and fishery product distribution and financial linkage platform system according to claim 1, wherein the credit evaluation unit determines the increase in shipment turnover rate, the increase in on-time delivery rate, and the increase in transaction volume as positive indicators, and determines the increase in return rate and the increase in inventory retention period as negative indicators, and calculates the comprehensive credit score by assigning a pre-set positive (+) weight to each positive indicator and a pre-set negative (-) weight to each negative indicator, and if the comprehensive credit score rises above a pre-set first threshold, the financial limit is adjusted upward by a pre-set first ratio or the interest rate is adjusted downward by a pre-set second ratio, and if the comprehensive credit score falls below a pre-set second threshold, the financial limit is adjusted downward by a pre-set third ratio or the interest rate is adjusted upward by a pre-set fourth ratio. Claim 4 delete Claim 5 A logistics data-based agricultural and fishery product distribution and financial linkage platform system according to claim 1, wherein the recycle matching unit predicts the normal saleable quantity using an artificial intelligence prediction model based on harvest yield information and past sales history data of agricultural and fishery products received from a producer terminal, identifies surplus agricultural and fishery products exceeding the predicted normal saleable quantity and agricultural and fishery products that cannot be normally distributed due to external problems as agricultural and fishery products subject to reprocessing, calculates a suitability score by comparing the item, condition, quantity, and location information of the agricultural and fishery products subject to reprocessing with the processing capacity, processable items, equipment ownership status, and geographical location of the processing company database, calculates a priority score by comprehensively considering the suitability score, transportation costs based on geographical distance, processing unit price, and processing schedule, selects the top N processing companies with the highest priority scores as matching candidates and transmits them to the producer terminal and the processing company terminal, and initiates funding for the reprocessed product in conjunction with the funding management unit upon contract conclusion. Claim 6 A method for linking the distribution and finance of agricultural and fishery products based on logistics data, comprising a platform server, a producer terminal, a processor terminal, a buyer terminal, and a consumer terminal, wherein the platform server collects logistics data including incoming data, outgoing data, inspection data, delivery completion data, and receipt data from a warehouse management system (WMS) and a transportation management system (TMS) at predetermined collection intervals; (b) the platform server assigns a timestamp to the collected logistics data to record it immutably on a distributed ledger of a blockchain network, and automatically verifies whether the logistics data has been tampered with or forged through a smart contract; (c) the platform server extracts credit evaluation indicators including return rate, inventory turnover rate, on-time delivery rate, outgoing turnover rate, and inventory retention period from the logistics data, and calculates a comprehensive credit score for each trading entity as a weighted sum by applying predetermined weights for each item to the credit evaluation indicators; (d) the platform server recalculates and adjusts financial limits and interest rates at predetermined update intervals based on the comprehensive credit score; (e) the consumer terminal [on] the desired agricultural and fishery product A step of transmitting a request for participation in funding to the platform server; (f) a step in which the platform server transmits a production instruction to the producer terminal upon achieving the funding target amount; (g) a step in which the producer terminal transmits information regarding agricultural and fishery products subject to reprocessing that have surplus or external defects after production completion to the platform server; (h) a step in which the platform server compares the item, condition, and quantity of the agricultural and fishery products subject to reprocessing with a processing company database to match a suitable processing company, and transmits the matching result to the producer terminal and the processing company terminal; (i) a step in which the buyer terminal transmits a request for prepaid charging or payment to the platform server, and the platform server provides points or accumulated funds;(j) A step in which the platform server generates Float revenue by managing deposits generated while the points and accumulated funds provided in step (i) are circulating within the platform; and (k) the platform server, depending on the transaction type, pre-settles accounts receivable for which transaction completion is confirmed by the delivery completion data and receipt data, executes a collateral loan by issuing a digital warehouse receipt for agricultural and fishery products stored in the warehouse based on NFT or DLT, or provides a credit limit according to the financial limit adjusted in step (d), and in the case where a collateral loan is executed by issuing a digital warehouse receipt in step (k), (k-1) the platform server collects warehouse data including the item, grade, quantity, date of entry, storage temperature, and humidity of agricultural and fishery products received in the warehouse from a warehouse management system; (k-2) the platform server tokenizes the warehouse data based on NFT (Non-Fungible Token) or DLT (Distributed Ledger Technology) and issues a digital warehouse receipt including item information, grade information, quantity information, and date of entry information; (k-3) the platform server continuously collects the storage temperature and humidity at preset monitoring cycles and, by referring to an item-specific quality deterioration model database, the collateral value reduction rate according to the storage period and environmental conditions A method for linking logistics data-based agricultural and fishery product distribution and finance, characterized by including: a step of calculating; and (k-4) a step in which the platform server determines a collateral loan limit by adjusting the loan-to-value (LTV) ratio inversely proportional to the collateral value reduction rate, and executes a collateral loan within the determined collateral loan limit range by linking with a financial institution server via API. Claim 7 In claim 6, the above step (c) comprises: (c-1) a step in which the platform server determines that an increase in the shipment turnover rate, an increase in the delivery compliance rate, and an increase in transaction volume are positive indicators, and determines that an increase in the return rate and an increase in the inventory retention period are negative indicators; and (c-2) a step in which the platform server calculates the overall credit score by assigning a positive (+) weight, which is pre-set for each item, to the positive indicators and a negative (-) weight, which is pre-set for each item, to the negative indicators; and the above step (d) comprises: (d-1) a step in which the platform server, if the overall credit score rises above a pre-set first threshold, increases the financial limit by a pre-set first ratio or decreases the interest rate by a pre-set second ratio; and (d-2) a step in which the platform server, if the overall credit score falls below a pre-set second threshold, decreases the financial limit by a pre-set third ratio or increases the interest rate by a pre-set fourth ratio. Claim 8 delete

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