I took an engineering course at Heartwood school where we discussed this subject. They gave us some guide lines to go by.
I created a drawing based on these guide lines.
Here is a drawing of drop in floor joist to tie beam connection "rules of thumb."
See if this is helpful to you:
The dimensions are just for this example.
If you change the tie beam to a deeper beam you can adjust the floor joist size and the depth of the pocket.
The purpose of the scoop at the bottom of the floor joist is to "eliminate the point of fracture," which would be created if you just cut out a 90° notch.
This type of scoop or curved cut can be seen in many old structures.
Any comments are welcome.
Jim Rogers