KR100432188B1 - Supplier Relationship Management System and Method by using Digital Credit Certificate - Google Patents

Abstract

The present invention is an enterprise credit management that manages the credit change of the authentication target company is connected to the authentication target company and the authentication inquiry company to query the verification of the credit authentication to the authentication target company through an information communication network It is related with the authentication target enterprise management system comprised with the server system. According to the authentication target company management system of the present invention, when the authentication target company requests the credit authentication, the electronic document containing the credit rating and company information of the authentication target company and the electronic signature generation key (secret key) of the authentication target company The digital signature to sign the electronic document and the digital signature verification key (public key) certificate of the authentication target company (the owner information and the expiration date, serial number, digital signature verification key, etc. of the digital signature verification key of the authentication target company) And an electronic credit certificate generation module for generating an electronic credit certificate of the authentication target company and providing the generated electronic credit certificate to the authentication target company, and the digital signature generation key of the authentication target company. And an electronic certificate generation module for generating an electronic signature verification key and an electronic signature verification key certificate (electronic certificate). A verification module for verifying the validity and integrity of the electronic credit certificate according to the verification request of the electronic credit certificate submitted by the authentication target company from the business, a record of submission of the electronic credit certificate of the authentication target company, and the authentication A query management module that stores and manages a verification request record of the electronic credit certificate from a inquiry company in a database; and monitors the possibility of credit fluctuation of the certificate subject company by referring to the submission record of the electronic credit certificate and the verification inquiry record And a credit monitoring module for generating graded credit monitoring information. Further, the authentication target company management module of the authentication target company requests the issuance of the electronic credit certificate to the electronic credit certificate generation module of the enterprise management server system, and the electronic certificate of the authentication target company is received from the electronic credit certificate generation module. An authentication target enterprise management module for receiving a credit certificate, storing the electronic credit certificate in a computer of the authentication target company, and submitting the electronic credit certificate to a certificate inquiry company through the electronic credit certificate generation module; The inquiry company receives the electronic credit certificate of the authentication target company from the electronic credit certificate generation module, stores the submitted electronic credit certificate in the computer of the authentication inquiry company, and the integrity and validity of the received electronic credit certificate. Verification of Request to the group e-credit certificate verification module, and having an authentication inquiry business management module to look up the credit monitoring information generated by the monitoring module.

Therefore, by submitting the electronic credit certificate including the company information and the credit rating of the certified company to the certification query company, it is possible to fundamentally prevent the forgery and alteration of the corporate information and credit rating provided by the certification company to the certification query company. By using the records of issuance, submission, and verification of electronic credit certificates issued by the certified and certified companies, the certified companies can monitor the change in the credit status of the certified companies. Management can be performed efficiently.

Description

Supplier relationship management system and method by using digital credit certificate

The present invention is connected to the authentication target company and the authentication inquiry company requesting the verification of the credit authentication of the authentication target company through the information communication network to issue an electronic credit certificate of the authentication target company and manage the credit fluctuation. It relates to a target enterprise management system and a method thereof.

Recently, with the spread of the Internet, electronic commerce (EC), which trades goods and services using the Internet, has been widely spread. Private e-commerce is a business-to-customer electronic commerce (B2C EC), which refers to the commerce between the supplier of the product and the consumer (or buyer) of the product, and between companies that supply and purchase the product. Business to Business Electronic Commerce (B2B EC) refers to the business of business. In the early days of e-commerce, business-to-consumer e-commerce has become mainstream, but e-commerce between companies has increased rapidly. The gains in business-to-business electronic commerce include streamlined internal and external operations, shorter delivery times, reduced transaction costs, secure bilateral electronic payments, and efficient linkage with in-house information systems.

At present, there are two methods of managing credit and risk of counterparties in business-to-business commerce, using a method of performing credit analysis by itself and using a credit report of an external credit bureau. The method of self-credit analysis is to directly audit and manage the certified companies by using information such as financial statements directly submitted by the certified companies or by using the disclosed information. On the other hand, the method of using a credit bureau largely refers to a method in which a certificate inquiry company examines the credit rating of a certificate subject company through a credit bureau, and a certificate subject company requests a credit investigation from its own credit bureau. Can be divided into "submissions" and "certification" submissions. First of all, the method of conducting a credit check of a certified company by requesting a trusted credit reporter to conduct a credit check on a certified company that is a credit research company is carried out to obtain a survey of the certified company. Credit report "in the form of a document. On the other hand, the method of conducting a credit check by the certified company itself may request a credit research agency to conduct a credit check of its own company, receive the resulting “credit questionnaire”, and provide the survey directly to a certificate inquiry company or conduct a credit check. It is a way for an institution to provide a certification inquiry company.

In any of the above-described methods, all of the credit reports are provided in the form of paper documents. At this time, it is difficult to know the fact that even if the certificate company manipulates or falsifies the documents of the credit report, and there is a change in the credit status of the company to be certified, there was no systematic way to inform the certificate inquiry company. .

In current electronic commerce, a certification system for publicly confirming the identity of sellers and buyers is used. Under this authentication-based e-commerce environment, a so-called trusted authentication center that manages certificates encrypts and issues certificates that verify and prove the identity of buyers and sellers who perform e-commerce. However, there is a problem in that the certificate providing only the identification between the buyer and the seller does not reflect the change in the credit status and the credit status of the authentication target company in the online-based electronic commerce.

Therefore, an object of the present invention is to provide an authentication target enterprise management system and method for authenticating the credit of an authentication target company to an authentication inquiry company in an electronic commerce between enterprises.

It is another object of the present invention to provide an authentication target company management system and method for managing the authentication target company by monitoring the change in the credit status of the authentication target company in the electronic commerce between enterprises.

According to an embodiment of the present invention for achieving the above object, the authentication target company and the authentication inquiry company for the verification of the credit authentication for the authentication target company is connected through the information communication network In the authentication target enterprise management system consisting of a corporate management server system for managing the credit and credit fluctuation of the authentication target company, the enterprise management server system: the request of the certificate authentication, An electronic signature for signing the electronic document with an electronic document containing a credit rating and company information and an electronic signature generation key (secret key) of the authentication target company, and an electronic signature verification key (public key) certificate of the authentication target company (the authentication) The owner information of the target company's digital signature verification key, its expiration date, serial number, and digital signature verification key are included. That is) a combined electronic credit certificate generation module that generates electronic credit certificate of the authentication target company, and submit the generated electronic credit certificate to the authentication lookup companies to specify the authentication target company; An electronic certificate generation module for generating the digital signature generation key, the digital signature verification key, and the digital signature verification key certificate (electronic certificate) of the authentication target company; A verification module for verifying validity and integrity of the electronic credit certificate according to a verification request of the electronic credit certificate submitted by the authentication target company from the authentication inquiry company; An inquiry management module for storing and managing a submission record of the electronic credit certificate of the authentication target company and a verification request record for the electronic credit certificate from the authentication inquiry company in a database; And a credit monitoring module configured to generate a credit monitoring information that monitors and grades the possibility of credit change of the authentication target company by referring to the submission record of the electronic credit certificate and the verification inquiry record.

The authentication target company includes an authentication target company management module downloaded from the enterprise management server system, and the authentication target company management module issues the electronic credit certificate to the electronic credit certificate generation module of the enterprise management server system. Request a submission and provide internal credit information necessary for generation of the monitoring information to the credit monitoring module; The authentication inquiry company comprises an authentication inquiry company management module downloaded from the enterprise management server system, wherein the authentication inquiry company management module receives the electronic credit certificate of the authentication target company from the electronic credit certificate generation module, And requesting the electronic credit certificate verification module to verify the integrity and validity of the submitted electronic credit certificate, and query the credit monitoring information generated by the monitoring module.

According to another embodiment of the present invention for achieving the above object, the authentication target company and the authentication inquiry company for the verification of the credit authentication for the authentication target company is connected through the information communication network A method of providing a corporate management server system for managing credit fluctuation of the authentication subject company, issuing an electronic credit certificate for the authentication subject company and managing credit fluctuation of the authentication subject company, comprising: (a) the authentication subject According to the request for submission of the electronic credit certificate of the authentication target company to the company to submit to the authentication inquiry company, the enterprise management server system uses the company information about the authentication target company and the information on the credit rating to obtain the electronic credit certificate. Generating; (b) providing an electronic credit certificate of the authentication target company to the authentication inquiry company designated by the authentication target company; (c) verifying the integrity and validity of the electronic credit certificate according to the verification request of the electronic credit certificate requested by the authentication inquiry company; (d) providing a verification result of the electronic credit certificate in step (c) to the authentication inquiry company; And (e) monitoring a change in the credit status of the certified company by referring to the issuance and submission request record of the electronic credit certificate of the authentication company and the verification inquiry record of the electronic credit certificate of the authentication company. It is characterized by.

1 is a schematic block diagram of a credit management subject company management system according to the present invention;

2A and 2B are diagrams respectively illustrating an electronic document and an electronic credit certificate generated in the credit management subject company management system of the present invention;

3A is a flowchart illustrating a process of issuing an electronic credit certificate performed in the credit management system for managing a company of the present invention;

3B is a flowchart illustrating a process of distributing and verifying an electronic credit certificate performed in a credit management subject company management system of the present invention;

3c is a flowchart illustrating a process of monitoring a change in credit status of a credit authentication subject company performed by a credit management subject company management system of the present invention;

4A and 4B are diagrams illustrating screens generated during the process performed in the credit management company management system of the present invention, respectively.

<Explanation of symbols for the main parts of the drawings>

20: Credit Research Agency 30: Enterprise Management Server System

31: Electronic credit certificate generation module 32: Secret key, public key generation / verification module

33: Credit Status Monitoring Module 34: Query Management Module

40: credit management subject enterprise management module 50: credit certification query enterprise management module

Hereinafter, with reference to the accompanying drawings, preferred embodiments of the present invention will be described in detail.

The enterprise management system according to the present invention includes a credit research organization 20, an enterprise management server system 30, an authentication target company management module 40, and an authentication inquiry company management module interconnected through an information communication network such as the Internet 10. And 50.

The credit reporter 20 is an institution that calculates the credit rating of a company and the validity period of the rating by analyzing the credit of an individual company based on the general company information of the company and information obtained through a credit survey of the company. Examples include credit guarantee funds, Korean credit rating information, and Korean credit information.

The enterprise management server system 30 is connected to the above-described credit bureau 20 and the Internet 10, and the electronic system for the individual company is based on the credit rating and company information of each company provided from the credit bureau 20. It creates credit certificates and manages individual companies using electronic credit certificates. The electronic credit certificate is issued at the request of the credit requesting company, and the electronic credit certificate of the credit request client is submitted to the company that wants to check the credit status of the credit request client. In the present invention, the credit requesting company and the credit status inquiry company of the credit requesting company may correspond to a sales company that sells the products, or may correspond to a purchasing company that purchases the products of the sales company, but these sales A company or a purchasing company can only request the issuance of its own electronic credit certificate, not the other company. However, a company on either side may request and submit an electronic credit certificate issued to the other company. Therefore, in the following description, a company requesting issuance of an electronic credit certificate is referred to as a certificated company, and a company requesting submission of an electronic credit certificate of a certificated company and inquiring a credit certificate of a certificated company is a certificate inquiry company. This is called. The above-described enterprise management server system 30 may include an electronic credit certificate generation module 31, an electronic certificate generation / verification module 32, a credit status monitoring module 33, a query management module 34, and an enterprise management database 35. It is provided.

The electronic credit certificate generation module 31 is received from the credit research institute 20 or in accordance with a request for issuing an electronic credit certificate from the enterprise to be applied for the electronic credit certificate, for example, the enterprise management module 40 of the authentication target company. The digital signature of the company to be authenticated is generated as an electronic document in XML (Extended Markup Language) form and the credit rating and company information of the certificated company stored in the management database 35 are stored. Digitally sign the generated key (secret key) and verify the digital signature verification key (public key) certificate of the company to be certified (including the owner information and expiration date, serial number, digital signature verification key, etc. In the process of generating a digital credit certificate. The electronic credit certificate generated by the electronic credit certificate generation module 31 is provided to the authentication target company requesting the issuance of the electronic credit certificate or the submission of the electronic credit certificate and designated by the authentication target company.

Table 1 below contains examples of corporate credit information, corporate overview information, business status information, business status information, financial status information, and other information of a certified company from a credit bureau 20 or corporate management database 35. Data is displayed.

division Contents Corporate credit information Corporate credit rating Corporate credit rating comments Credit Rating Expiration Date Company Overview Information Company identification Information on workplaces and major facilities Related company information Product and Quality Level Information Management Status Information Representative Information Executive Information Shareholder Status Information Sales situation information Sales situation information Main Account Information Financial situation information Financial Ratios Analysis Information Balance Sheet Income Statement Cash flow statement Other information Industry Specific Issues

On the other hand, Figure 2a generates the data of Table 1 as an XML document by the electronic credit certificate generation module 31 and is electronically signed with the digital signature generation key of the company to be authenticated, and the digital signature verification key (public key) certificate of the company to be authenticated is The form of a combined electronic credit certificate is illustrated, and FIG. 2B illustrates an electronic credit certificate that is actually provided to the certificate subject company or certificate inquiry company. The electronic credit certificate illustrated in FIG. 2B includes the corporate credit information, corporate overview information, business status information, business status information, financial status information, and other information listed in Table 1, but in FIG. Only a portion of the electronic document is shown in the plurality of illustrated items.

The electronic credit certificate illustrated in FIGS. 2A and 2B includes two components: an electronic document portion 36 consisting of XML containing the credit rating and corporate information of the company to be authenticated, and for verifying the integrity of the electronic credit certificate. An electronic certificate portion 39 consisting of an electronic signature 37 and an electronic signature verification key (public key) certificate 38 for verifying the validity of the electronic credit certificate. In practice, the part that can be seen in the authentication subject company or the authentication inquiry company is the electronic document part 36, and the electronic certificate part 39 is not visible.

The electronic document portion 36 is in turn a certificate section that includes the companies subject to credit certification, corporate credit ratings, credit rating expiration dates, and cash flow ratings, as well as corporate overview information, business status information, business status information and financial status information. And an information section, the electronic certificate portion 37 includes information such as an encryption algorithm, an expiration date and serial number of the electronic certificate, the name of the company to be authenticated, and a business registration number of the company to be authenticated.

The digital certificate generation / verification module 32 is a public key infrastructure (Public Key) when there is a request for issuing an electronic credit certificate from the applying company of the electronic credit certificate, for example, the authentication target company management module 40 of the authentication target company. Generate a digital certificate for the target company based on the infrastructure. A digital certificate is commonly referred to as a public key certificate. In a public key cryptosystem, a secret of a certificate authority and an entity and its public key are used to verify who is actually who. Refers to data signed with a key. The digital certificate generated by the digital certificate generation / validation module 32 is provided to the electronic credit certificate generation module 31 for use in generating an electronic credit certificate by signing an electronic document for the authentication target company, which is an applicant of the electronic credit certificate. do. In general, an electronic signature is an electronic recording of characteristics such as a seal or signature of a general document in an electronic document. When the content or a summary of the document is encrypted with the signature's digital signature generation key (secret key), another person authenticates the user's digital signature. This is a method of verifying the signer and contents of a document by decrypting it with a key (public key).

In addition, the electronic certificate generation / verification module 32 performs a function of validating the validity and integrity of the electronic credit certificate according to the integrity and validation request of the electronic credit certificate from the authentication inquiry company management module 50 of the authentication inquiry company. do. Integrity verification of the electronic credit certificate is to check whether the contents of the electronic document have been forged or tampered with. Validation is the electronic signature made with the digital signature generation key (secret key) of the certificate company. It is to check whether this is valid or the digital certificate has not been revoked.

In the present invention, the integrity verification of the electronic credit certificate is directly performed by the certificate management company management module 40 or the certificate inquiry company management module 50, and the validation of the electronic credit certificate is performed by the electronic certificate generation / verification module 32. Is configured to.

The process of performing the integrity verification and validation of the electronic credit certificate is described as follows. The electronic credit certificate generated by the digital credit certificate generation module 31 is an electronic signature generation key (secret key) of the company to be authenticated and digitally signed to an XML electronic document 36 composed of credit rating and company information. ) And the electronic certificate 38 is combined. By reconstructing the digital signature verification key (public key) of the authentication target company included in the digital certificate 38 from the certified company management module 40 or the certificate inquiry company management module 50 to compare the restored document with the original document. Integrity verification is performed. On the other hand, the validation of the electronic credit certificate is separated from the electronic certificate 38 that is combined with the electronic credit certificate in the authentication target enterprise management module 40 or the certificate lookup enterprise management module 50, The information is transmitted to the digital certificate generation / verification module 32. In the digital certificate generation / verification module 32, the information of the digital certificate 38 is generated by the digital certificate generation / verification module 32 to generate the enterprise management database ( By determining whether it matches the information stored in 35). The validity determination result of the electronic credit certificate is transmitted to the authentication target company management module 40 or the authentication inquiry company management module 50 which requested the verification of the electronic credit certificate.

According to the present invention, since the electronic credit certificate generated using the electronic certificate provided in the electronic certificate generation / verification module 32 has the purpose of verifying the integrity and validity of the electronic credit certificate, the enterprise management server system of the present invention. Even if it is issued in (30), it is signed with the digital signature generation key (secret key) of the authentication target company that requested the issuance. Of course, if necessary, the signature may be signed with a digital signature generation key (secret key) of a company to be authenticated, and then may be signed with a unique digital signature generation key (secret key) of the enterprise management server system 30 of the present invention.

The credit status monitoring module 33 monitors the change in the credit status of the certificated company after issuing the electronic credit certificate, predicts the fluctuation of the credit status, and displays the possibility of fluctuation in the credit status of the certificated company in a specific grade. Creates monitoring information.

For example, a commonly used credit monitoring method is to link the creditworthiness of the individual subject company to the economic situation. In other words, economic variables such as due diligence index, interest rate, regional bankruptcy rate, exchange rate, and intrinsic indicators such as competitiveness of certified companies and borrowing structure are linked to determine how much individual companies will be affected as the economic situation changes. It is a method of grading and displaying.

For example, if firm A is more dependent on the borrowing than the industry average, a higher interest rate could aggravate A's financial structure by increasing its debt repayment burden. Therefore, it is judged that A's credibility may be lowered. On the other hand, in the case of firm B, which depends on borrowings below the industry average, even if the interest rate is higher, the interest rate rise will have a lower impact on firm B's credibility because the financial structure is worse than that of firms with many borrowings. Considering these aspects alone, we can say that Company B's creditworthiness is stable. As described above, the relationship between the economic environment and the variables of individual certified companies is analyzed to score how the factors of individual certified companies are affected as the economic environment changes, and the scores are summed for each section of the score. Calculate the graded monitoring grade.

Meanwhile, the monitoring method of the present invention further includes a process of analyzing and monitoring information on how the electronic credit certificate is distributed and utilized as well as reflecting the change in creditworthiness according to the aforementioned general economic situation. This allows the electronic credit certificate to identify which company the certificated entity is dealing with, and the electronic credit certificate provides information about when and from which certificate lookup company the electronic credit certificate is submitted. Can be implemented.

For example, if a company to be certified is doing business with other companies with poor credit status, the company's credibility may decline. In addition, the credit status of the authentication target company is changed according to the change in the credit status of the authentication inquiry company. The reason for this is that since most of the certified companies generate revenue by delivering to the certified companies and generating revenue from the purchase price, if the credit status of the certified companies gets worse, the revenue source of the certified companies may be weakened. Because. For example, five companies in March, five companies in April, three companies in July, and five companies in September who submitted electronic credit certificates in 2000. If there are only two companies in February and two in July, the profitability of the certified companies is weakening.

As another example, if the inquiry record of the electronic credit certificate for the authentication target company is shown in Table 2 below, it may be determined that the credit status may be weakened after July. The reason for this is that in general, when there is a bidding or buying activity, the credit status is inquired. Since June, since it has rarely participated in bidding or purchasing, it can be determined that there is no inquiry of the electronic credit certificate.

January February In March April In May June In July August September October November 5 4 6 7 6 0 2 One 0 One One

In addition, monitoring information may be generated by reflecting variables within the enterprise. For example, credit conditions may change as a company's financial situation or its internal variables, such as borrowings, shareholder composition, address and headcount, change. At present, the credit rating is calculated based on various internal variables as of the settlement date or the credit check date based on the settlement date. However, if internal variables change over time and you can identify these internal variables, you can adjust your credit rating to reflect those changes.

To this end, the present invention, the authentication target company to operate the authentication target company management module 40 to record the changes directly inside the authentication target company, the company recorded in the authentication target company management module 40 of the authentication target company The internal change is monitored by the credit status monitoring module 33 to calculate a monitoring grade for evaluating and predicting the degree of change in the creditworthiness of the certificated company.

In other words, the monitoring module 33 determines how and when the economic environment variables, behavior pattern variables, and internal variables of the certified company change, among these factors, how and how these variables affect the credibility of the company. The results are summarized and scored, and the score is classified by section to calculate the monitoring grade.

The inquiry management module 34 and the electronic credit certificate generation module 31 request the issuance and submission of the electronic credit certificate required from the authentication target company logged into the enterprise management server system 30 of the present invention through the Internet 10. The digital certificate generation / verification module 32 provides an electronic credit certificate, and the electronic certificate generation / verification module 32 provides an electronic credit certificate verification request required by a certificate inquiry company that has submitted an electronic credit certificate. Ensure the integrity and validity of the digital certificate. In addition, the inquiry management module 34 stores and manages the record of issuing and submitting the electronic credit certificate requested from the authentication target company and the verification inquiry record of the electronic credit certificate requested from the authentication inquiry company in the company management database 35. . The record of issuance and submission of the electronic credit certificate of the certificated company managed by the inquiry management module 34 and the record of the verification of the electronic credit certificate of the certificate inquiry company are monitored by the credit status monitoring module 33 to monitor the credit volatility of the individual company. Used to predict.

The enterprise management database 35 is created by the electronic credit certificate generation module 32 and the enterprise information and credit rating information of individual companies provided from the credit bureau 20 at the request of the enterprise management server system 30. Electronic credit certificate, electronic credit certificate issuance request record of the authentication target company managed by the inquiry management module 34, electronic credit certificate verification request record of the authentication inquiry company, monitoring grade information generated by the credit status monitoring module 33, and the like. Keep and manage them.

The authentication target company management module 40 refers to a company requesting issuance of an electronic credit certificate or a computer system used by these companies, and the computer system of the authentication target company or the authentication target company is applied to the enterprise management system of the present invention. When connected and used via the Internet 10, it is downloaded and constructed by the inquiry management module 34. The authentication target enterprise management module 40 requests the issuance management module 34 of the enterprise management server system 30 to issue the electronic credit certificate, and the electronic credit certificate generated by the electronic credit certificate generation module 32 is requested. It downloads and stores in the authentication target company database 41, and provides a viewer function to view the electronic document of the electronic credit certificate. At this time, the electronic credit certificate stored in the authentication target company database 41 may be directly provided to the authentication inquiry company system requiring the submission of the electronic credit certificate to the authentication target company. In addition, the authentication target corporate management module 40 inputs internal company information necessary for calculating the credit rating required by the credit status monitoring module 33 of the corporate management server system 30 to monitor the credit status of the corporate management server system 30. The module 33 performs the function of transmitting.

The authentication query enterprise management module 50 refers to a certificate inquiry company that requires the submission of an electronic credit certificate to a company to be certified, or a computer system used by a certificate inquiry company. When connected to and used in the enterprise management system of the present invention via the Internet 10, it is downloaded and constructed by the inquiry management module 34. The authentication query enterprise management module 50 downloads the electronic credit certificate provided from the electronic credit certificate generation module 31 or from the company to be authenticated, stores it in the authentication query enterprise database 51, and manages the electronic document of the electronic credit certificate. Provide viewer function to view the part. In addition, the authentication query enterprise management module 50 verifies the integrity of the electronic credit certificate submitted from the electronic credit certificate generation module 31 or the authentication target enterprise management module 40, and the electronic credit for validating the electronic credit certificate. The digital certificate portion is separated from the certificate, and the separated electronic certificate portion is provided to the digital certificate generation / verification module 32 of the enterprise management system 30. In addition, the authentication inquiry company management module 50 performs a function of querying the monitoring information of the authentication target company provided from the credit status monitoring module 33 of the enterprise management server system 30.

An authentication target enterprise management method performed in the enterprise management server system 30 having the above-described configuration will be described with reference to the flowcharts of FIGS. 3A, 3B, and 3C.

3A shows a flowchart of the process of issuing an electronic credit certificate.

First, any one of the authentication target companies runs the authentication target company management module 40 to generate an electronic credit certificate issuance application screen (see FIG. 4A). The electronic credit certificate issuance application screen is configured to enter basic information such as the password, representative name, company name, business number, telephone number, address, contact person, and contact information of the company to be certified. In the authentication target company management module 40, these basic information are input to the electronic credit certificate issuance application screen, and the enterprise management server system 30 is requested to issue the electronic credit certificate (step S60). The request for issuing such an electronic credit certificate has been described as being performed through the Internet 10, but may be made through fax or mail.

The request for issuing the electronic credit certificate is provided to the electronic credit certificate generation module 31 and the electronic certificate generation / verification module 32 through the inquiry management module 34. At this time, the issuance request request of the electronic credit certificate is stored and managed in the enterprise management database 35 as the issuance request record of the electronic credit certificate by the inquiry management module 34 (step S61).

The digital certificate generation / verification module 32 generates an electronic certificate for the authentication target company that has requested the issuance of the electronic credit certificate, and provides the generated electronic certificate to the electronic credit certificate generation module 31 (step S62).

The electronic credit certificate generation module 31 converts the corporate information and the credit rating of the certified company provided by the credit reporter 20 into the XML electronic document form and the corporate information and the credit rating of the certified company stored in the database (step) S63), by combining the XML electronic document with the electronic certificate of the authentication target company provided from the digital certificate generation / verification module 32, an electronic credit certificate (see Fig. 2) of the authentication target company is generated (step S64).

The electronic credit certificate of the authentication target company generated by the electronic credit certificate generation module 31 is provided through the Internet 10 to the authentication target company management module 40 which has requested the issuance of the electronic credit certificate. 41) (step S65).

3B is a flowchart illustrating a distribution and verification process of an electronic credit certificate issued to a company to be authenticated.

First, in order to submit to an authentication query company applying for an electronic credit certificate for the company to be certified, the company to be managed runs the authentication company management module 40 to select a certificate inquiry company to submit an electronic credit certificate to manage the company. The server system 30 is requested to submit an electronic credit certificate (step S66).

In response to the submission request of the electronic credit certificate from the authentication target enterprise management module 40, the inquiry management module 34 of the enterprise management server system 30 records and manages the submission request record in the enterprise management database 35. (Step S67), the electronic credit certificate of the authentication target company stored in the enterprise management database 35 is provided to the authentication inquiry company management module 50 of the authentication inquiry company designated by the authentication target company to the certificate inquiry company database 51. The electronic credit certificate of the authentication target company is stored and managed (step S68).

On the contrary, the certificate subject company sends the electronic credit certificate stored in the certificate subject company database 41 to the authentication query company using e-mail without passing through the enterprise management server system 30 of the present invention. You can either send a credit certificate or put an electronic credit certificate on a diskette and pass it on to the certificate lookup company. In this case, the authentication inquiry company stores the electronic credit certificate directly received from the company to be certified in a specific directory of the authentication inquiry company database 51 managed by the authentication inquiry company management module 50, and the enterprise management server system 30 By notifying the inquiry management module 34 of), it is possible to receive the monitoring service provided by the enterprise management server system 30.

In order to verify the integrity and validity of the electronic credit certificate, the certificate inquiry company that has submitted the electronic credit certificate of the authentication target company runs the certificate inquiry company management module 50 to request verification of the electronic credit certificate as illustrated in FIG. 4B. Create The verification request screen of the electronic credit certificate of FIG. 4B includes an electronic credit certificate of the authentication target company and the outline information of the electronic credit certificate, that is, document number, company name, representative, credit rating, business number, registration date, validity period, Information such as monitoring level is included. When the "company name" is clicked on the electronic credit certificate verification request screen, the electronic certificate separated from the electronic credit certificate is provided to the inquiry management module 34 of the enterprise management server system 30 together with the verification request of the electronic credit certificate ( Step S69).

The inquiry management module 34 stores and manages the verification request for the electronic credit certificate in the enterprise management database 35 (step S70), and responds to the verification request for the electronic credit certificate received from the certificate inquiry company management module 50. The electronic certificate transmitted from the authentication inquiry enterprise management module 50 is provided to the digital certificate generation / verification module 32 to verify the integrity and validity of the electronic certificate (step S71).

Thereafter, the inquiry management module 34 notifies the authentication inquiry company management module 50 of the verification result about the integrity and validity of the electronic certificate of the authentication target company from the electronic certificate generation / verification module 32 (step S72).

3C shows a flowchart of a process of monitoring the credit status of the authentication target company performed by the credit status monitoring module 33.

First, the inquiry management module 34 of the enterprise management server system 30 stores the record of issuance and submission of the electronic credit certificate requested by the certificate subject company and the verification request record of the electronic credit certificate requested by the certificate inquiry company (35). ), And store the company information inside the authentication target company provided through the authentication target company management module 40 in the company management database 35 (step S74).

In this state, the record of issuance, submission and verification of electronic credit certificates and corporate information data, which are stored in the enterprise management database 35 in real time or periodically, are analyzed, aggregated, scored, and the monitoring grade is graded. It calculates (step S75).

Information about the monitoring grade generated in real time or periodically by the inquiry management module 34 is stored in the enterprise management database 35 (step S76). At this time, the information on the monitoring level of the certified company stored in the enterprise management database 35 is periodically updated whenever the record of issuance, submission and verification of the electronic credit certificate of the certified company and the credit status of the certified company occur. Or in real time.

In order to check the credit status of the authentication target company to which the authentication inquiry company submitted the electronic credit certificate, the authentication inquiry company management module 50 is driven to generate a monitoring service screen for selecting the authentication target company (step S77). When selecting a target company to receive the monitoring service from the monitoring service screen, the monitoring level of the selected target company from the inquiry management module 34 is automatically downloaded to the certificate inquiry company management module 50, and the certificate inquiry of the certificate inquiry enterprise system is performed. Displayed in the enterprise management module 50, the authentication inquiry company is to check the monitoring level of the company to be certified (step S78).

It will be appreciated by those skilled in the art that the present invention is not limited to the above embodiments, and that various modifications and changes can be made without departing from the spirit of the present invention.

Therefore, in accordance with the present invention, by submitting an electronic credit certificate including the company information and the credit rating of the certified company to the certified company, the forgery and tampering of the corporate information and credit rating provided by the certified company to the certified company is prevented. can do.

In addition, by utilizing the records of issuance, submission, and verification of electronic credit certificates issued by the certified and certified companies, the certified companies can monitor the change in the credit status of the certified companies. There is an effect that can effectively manage the enterprise.

Claims (6)

It is composed of an enterprise management server system that manages the credit change of the authentication target company connected to an authentication target company that is subject to credit authentication and an authentication inquiry company that inquires verification of the credit authentication to the authentication target company through an information communication network. In the company management system subject to certification, Enterprise Management Server System: According to the request of the credit authentication, the authentication target company generates an electronic credit certificate of the authentication target company by combining an electronic document containing the credit rating and corporate information of the authentication target company and an electronic certificate that signs the electronic document. An electronic credit certificate generation module for submitting the generated electronic credit certificate to the authentication inquiry company designated by the authentication target company; Generating an electronic certificate for generating the electronic certificate of the authentication target company and verifying the integrity and validity of the electronic credit certificate according to a verification request of the electronic credit certificate submitted by the authentication target company from the authentication inquiry company. Verification module; An inquiry management module for storing and managing a submission record of the electronic credit certificate of the authentication target company and a verification request record for the electronic credit certificate from the authentication inquiry company in a database; And A credit monitoring module for monitoring the possibility of credit fluctuation of the authentication target company and generating graded credit monitoring information with reference to the submission record of the electronic credit certificate and the verification inquiry record; The certification target company, An authentication target enterprise management module downloaded from the enterprise management server system, the authentication target enterprise management module requesting issuance and submission of the electronic credit certificate to the electronic credit certificate generation module of the enterprise management server system; The certification inquiry company, An authentication inquiry enterprise management module downloaded from the enterprise management server system, wherein the authentication inquiry enterprise management module receives the electronic credit certificate of the authentication target company from the electronic credit certificate generation / verification module, and receives the received electronic Requesting the electronic credit certificate generation / verification module to verify the integrity and validity of the credit certificate, and query the credit monitoring information generated by the monitoring module. Authentication target company management system using an information and communication network, characterized in that. The method of claim 1, The credit monitoring information generated by the monitoring module is based on the number of authentication inquiry companies that the authentication target company has submitted the electronic credit certificate and the number of inquiry of the authentication inquiry company that has submitted the electronic credit certificate of the authentication target company. Authentication target company management system using the information and communication network characterized in that the numerical value of the upward and downward credit status for the authentication target company. And a corporate management server system that is connected to an authentication target company that is subject to credit authentication and an authentication inquiry company that inquires verification of the credit authentication to the authentication target company through an information and communication network to manage credit fluctuation of the authentication target company. And issuing an electronic credit certificate for the authentication target company and managing credit fluctuation of the authentication target company, (a) in response to a request for submission of the electronic credit certificate of the authentication target company for submission by the authentication target company to the authentication inquiry company, the enterprise management server system receives information on the company information and the credit rating of the authentication target company. Generating an electronic credit certificate using; (b) providing an electronic credit certificate of the authentication target company to the authentication inquiry company designated by the authentication target company; (c) verifying the integrity and validity of the electronic credit certificate according to the verification request of the electronic credit certificate requested by the authentication inquiry company; (d) providing a verification result of the electronic credit certificate in step (c) to the authentication inquiry company; And (e) monitoring the change in the credit status of the certificated company by referring to the record of issuing and submitting the electronic credit certificate of the certificated company and the verification inquiry record of the electronic credit certificate of the certificate inquiry company; Electronic credit certificate issuance and credit change management method of the enterprise comprising a. The method of claim 3, wherein step (a) comprises: (a1) generating an electronic certificate for the authentication target company according to a request for issuing an electronic credit certificate of the authentication target company for submission to the authentication inquiry company designated by the authentication target company; (a2) generating an electronic document containing company information and credit rating information of the authentication target company; And (a3) generating the electronic credit certificate by combining the electronic certificate with the electronic document Electronic credit certificate issuance and credit change management method of the enterprise comprising a. The method of claim 3, wherein step (c) comprises: (c1) transmitting the electronic credit certificate of the authentication target company obtained by the authentication inquiry company to the enterprise management server system; And (c2) verifying the integrity and validity of the electronic credit certificate by decrypting the electronic certificate coupled to the electronic credit certificate in the enterprise management server system; Electronic credit certificate issuance and credit change management method of the enterprise comprising a. The method of claim 3, wherein step (e) (e1) recording a request for issuance and submission of the electronic credit certificate of the authentication target company and a verification inquiry request for the electronic credit certificate of the authentication inquiry company; (e2) analyzing a transaction pattern of the authentication target company by referring to the recorded issuance and submission request of the electronic credit certificate and the verification inquiry request record; (e3) arranging the analyzed transaction pattern to arithmize the credit rating of the authentication target company; And (e4) providing the certification query company with a credit rating of the arithmetic target company in accordance with the monitoring request of the certification query company. Electronic credit certificate issuance and credit change management method of the enterprise comprising a.