KR101919489B1 - Method and System for Managing Rule in Credit Rating System, and Record Medium Storing Program for Executing The Same - Google Patents

Abstract

The present invention relates to a rule manager method and system in a credit evaluation system, and a recording medium storing a program for executing the method, wherein an item of a processing flow is generated and registered in a table of a diagram application, Generating a rating rule for determining the customer's rating based on the customer information and the personal credit rating and a strategy rule for determining the strategy based on the customer's rating, A rating rule, and a rule manager system for generating a source using the strategy rule; A development system server, a test system server, and an operating system server, and applying a source generated by the rule manager system to the operating system server via the development system server and the test system server.

Description

TECHNICAL FIELD [0001] The present invention relates to a rule manager method and system in a credit rating system, and a recording medium storing a program for executing the method,

The present invention relates to a credit evaluation system, and more particularly, to a rule manager method and system in a credit evaluation system and a recording medium storing a program for executing the method.

The current credit rating system is based on Java's public rule engine, which is heavy and slow, and especially user interface (UI) is very inconvenient.

Generally, a rule manager is a credit rating model, which is a device that generates a credit rating when a user inputs elements such as age, occupation, and salary. However, the rule manager works by creating the data in a rule file (XML) or table, using the rule engine to read this rule file or table, and usually the public rule engine is less complete, And it is very difficult to find the cause of the error. That is, the rule manager opens a database (DB) to load performance-related information and credit evaluation information, performs an evaluation to determine limits and interest rates, and then inserts the calculation result into the DB , It takes a long time to work.

In addition, since the rule manager is built as a separate system from the existing system that the customers have, problems may arise with regard to security, ownership and maintenance. In addition, due to the inconvenience of the UI, it is rare that sites are operated properly even if the user receives training, and the changed task is not immediately reflected to the rule manager. In other words, it is difficult to actually code the rule because the staff to evaluate by utilizing the rule manager is not an engineer but a simple user.

On the other hand, since the rule manager exists as a socket server on-line, it may cause a security problem, and it is operating in a defenseless state against hacking. In addition, an operating system server in which a rule manager is installed may cause a disruption to other tasks due to a delay in processing the batch process. Specifically, the existing operating system server must open a DB for each evaluation object, load the performance-related information and the credit evaluation information, perform an evaluation for determining the limit and the interest rate, and then go through the entire process of inserting the calculation result back into the DB Because of this, the operation speed is very slow. For example, it takes 12 to 24 hours per million. In addition, existing rule managers do not support DB encryption.

On the other hand, as the prior art related to this, Japanese Patent Application Laid-Open No. 2004-164155 (2004.06.10), Japanese Patent Application Laid-Open No. 2016-029582 (2016.03.03), Japanese Patent Application Laid-Open No. 2000-207254 (June 20000.07. 28) exists.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a convenient user environment by ensuring the stability of the system and employing the usage method of the diagram application as it is, A method and system of a rule manager in a credit evaluation system, and a recording medium storing a program for executing the method.

Another object of the present invention is to provide a rule manager method and system in a credit evaluation system capable of eliminating overload and speed degradation of a system due to DB access during a batch operation, and a recording medium storing a program for executing the method .

According to a first embodiment of the present invention, a credit evaluation system according to the present invention generates an item of a processing flow and registers it in a table of a diagram application. Then, each item registered in the table And generates a rating rule for determining a customer's rating based on customer information and a personal credit rating and a strategy rule for determining a strategy based on a rating of the customer, A rule manager system for generating a source using the strategy rule; A development system server, a test system server, and an operating system server, and applying a source generated by the rule manager system to the operating system server via the development system server and the test system server.

According to a second embodiment of the present invention, a rule manager system according to the present invention includes: a table input unit for generating an item of a processing flow and registering the item in a table of a diagram application; A chart generating unit for generating a flowchart by combining each item registered in the table; A rule generation unit for generating a rating rule for determining a customer's rating based on customer information and a personal credit rating and a strategy rule for determining a strategy based on a rating of the customer; And a source generating unit for generating a source using the flowchart generated by the chart generating unit and the rating rule and the strategy rule generated by the rule generating unit.

According to a third embodiment of the present invention, a rule manager method of a rule manager system for creating a model for evaluating a credit of a customer according to the present specification comprises the steps of: creating an item of a process flow and registering it in a table of a diagram application; Generating a flowchart by combining each item registered in the table; Generating a rating rule for determining a customer's rating based on customer information and a personal credit rating and a strategy rule for determining a strategy based on a rating of the customer; And generating a source using the flowchart, the rating rule, and the strategy rule.

As described above, according to the present invention, it is possible to secure the stability of the system, to provide a convenient user environment by providing a rule manager system implemented in a plug-in form in the diagram application, Or the need to manually change the source.

In addition, by providing a rule manager system that supports creation of the audit process, it is possible to get rid of dependence on IT parts.

Further, by providing a credit evaluation system including a configuration management system for verifying a source generated in a rule manager system, all the functions of configuration management used by a client company can be provided.

In addition, the rule manager system is integrated into the account system, thereby solving the hassle of purchasing and managing a separate system.

In addition, any OS can be supported by providing a rule manager method and system for generating various types of sources such as C ++, JAVA, HTML, and JSP, and a recording medium storing a program for executing the method.

Also, by providing a rule manager method and system that provides a debugging function, and a recording medium storing a program for executing the method, it is possible to perform verification of existing evaluation subjects smoothly.

In addition, debugging can be simplified and visualized by providing a rule manager system that provides a visual debugging function of the processing flow.

In addition, by providing a rule manager method and system that can be applied to any environment of household, soho, and enterprise, and a recording medium storing a program for executing the method, it is possible to perform quantitative evaluation and scaling evaluation of not only households, Both can be supported.

In addition, by providing a credit evaluation system that provides batch processing of the file input / output method, the execution speed can be increased.

In addition, by providing a rule manager system that generates screen modules in various forms such as Xplatform, Miplatform, and Ireo, it is possible to adhere to the customer's standard regarding the screen image and maintain the consistency of the user interface.

1 is a block diagram showing a schematic configuration of a credit evaluation system according to an embodiment of the present invention;
FIG. 2 is a block diagram showing a schematic configuration inside a rule manager system according to an embodiment of the present invention; FIG.
3 is a flowchart illustrating a rule manager method according to an embodiment of the present invention;
4 is a diagram showing a specific item of the processing flow.

It is noted that the technical terms used herein are used only to describe specific embodiments and are not intended to limit the invention. It is also to be understood that the technical terms used herein are to be interpreted in a sense generally understood by a person skilled in the art to which the present invention belongs, Should not be construed to mean, or be interpreted in an excessively reduced sense. Further, when a technical term used herein is an erroneous technical term that does not accurately express the spirit of the present invention, it should be understood that technical terms that can be understood by a person skilled in the art are replaced. In addition, the general terms used in the present invention should be interpreted according to a predefined or prior context, and should not be construed as being excessively reduced.

Also, the singular forms "as used herein include plural referents unless the context clearly dictates otherwise. In the present application, the term "comprising" or "comprising" or the like should not be construed as necessarily including the various elements or steps described in the specification, Or may be further comprised of additional components or steps.

Further, the suffix "module" and "part" for components used in the present specification are given or mixed in consideration of ease of specification, and do not have their own meaning or role.

Furthermore, terms including ordinals such as first, second, etc. used in this specification may be used to describe various elements, but the elements should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like reference numerals refer to like or similar elements throughout the several views, and redundant description thereof will be omitted.

In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. It is to be noted that the accompanying drawings are only for the purpose of facilitating understanding of the present invention, and should not be construed as limiting the scope of the present invention with reference to the accompanying drawings.

1 is a block diagram showing a schematic configuration of a credit evaluation system according to an embodiment of the present invention.

Referring to FIG. 1, a credit evaluation system according to the present invention includes a rule manager system 100, a central system 200, a review system 300, and a configuration management system 400.

The rule manager system 100 is implemented in a plug-in form in diagram applications such as POWERPOINT and VISIO of MS. Accordingly, stability of the system can be ensured, and a convenient user environment can be provided by directly using the user interface (UI) and the diagram application.

The rule manager system 100 generates items of a process flow such as comparison, calculation, and execution and registers them in a table (Stencils) of a diagram application. Here, the rule manager system 100 supports copying and pasting of all the items, thereby enhancing convenience in editing the user.

Also, the rule manager system 100 generates a flowchart by combining the items registered in the table of the diagram application, and generates a flowchart based on the customer information including the transaction performance, the income amount, the profit rate for each type of business, A rating rule for determining a customer's rating based on the customer's rating and a strategy rule for determining a strategy such as a limit and an interest rate based on a customer's rating and generates a source using the generated flowchart, do. Here, the source may be in the form of C ++, JAVA, HTML, and JSP.

The rule manager system 100 transmits the generated source to the development system server 210 of the period system 200.

The system 200 is an existing system used by customers such as individuals, SOHOs, and companies. The main system 200 according to the present invention includes a development system server 210, a test system server 220, an operating system server 230, and the like. The main system 200 applies the source generated by the rule manager system 100 to the operating system server 230 via the development system server 210 and the test system server 220.

The operating system server 230 can reduce access to a database (DB) by performing input and output based on a file system such as JSON (JavaScript Object Notation) when performing a batch operation. That is, the operating system server 230 loads the file from the DB, performs all operations in the memory, and uploads the calculation result to the DB in the form of a file using the DB LOADER. At this time, the operating system server 230 can use INDEX DROP and CREATE as needed.

In addition, the operating system server 230 generates log information according to the operation, so that the user can easily find the cause when an error occurs. For example, the operating system server 230 can log the start and end of a frame, variables, and the like as log information.

In addition, the operating system server 230 generates an alarm when an error occurs, and can transmit an alarm message to the agent terminal in association with a separate Management Information System (MIS) system. Here, the alarm message may include log information.

The review system 300 tests and operates the sources of each server in the timeline system 200.

The configuration management system 400 verifies and modifies the source among the servers of the subsystem 200. For example, if there is an 'A source', the configuration management system 400 can test each server of the main system 200 in the examination system 300 after completing the verification of the 'A source'. In addition, the configuration management system 400 may also check the corresponding source for each source in the servers of the main system 200, modify the source, and then upload the source. That is, configuration management refers to the development stage test. As described above, in the present invention, since the source is managed through the configuration management of the configuration management system 400, the management problem according to the version can be solved without requiring a separate system.

In addition, the configuration management system 400 may reduce the load on the system by managing the configuration of the log information generated by the operating system server 230.

2 is a block diagram showing a schematic configuration of a rule manager system according to an embodiment of the present invention.

Referring to FIG. 2, a rule manager system 100 according to the present invention includes a table input unit 110, a chart generating unit 120, a rule generating unit 130, and a source generating unit 140.

The table input unit 110 generates items of process flow such as comparison, calculation, and execution and registers them in the table of the diagram application.

The chart generating unit 120 generates a flowchart by combining each item registered in the table of the diagram application.

The rule generating unit 130 generates a rating rule based on a rating rule for determining a customer's rating based on customer information and a personal credit rating including a transaction record, an income amount, an industry profit rate, and an actual income reflectance ratio, Generate strategy rules that determine strategies such as limits and interest rates.

The source generating unit 140 generates a source using the flowchart generated by the chart generating unit 120 and the rating rule and the strategy rule generated by the rule generating unit 130. [ Here, the source may be in the form of C ++, JAVA, HTML, and JSP.

In addition, the rule manager system 100 according to an embodiment of the present invention may further include a module generation unit 150 and a debugging unit 160.

The module generation unit 150 may generate a screen module in the form of Xplatform, Miplatform, and Ireo. Accordingly, the rule manager system 100 according to the present invention can provide a variable evaluation screen.

Also, the module generation unit 150 may generate server modules in the form of Vancs, ProFrame, Xplatform, and Miplatform. Accordingly, the rule manager system 100 according to the present invention can be applied to any server environment.

In addition, the module generation unit 150 may provide a DB encryption function with a module include.

The debugging unit 160 provides a debugging function. Specifically, the debugging unit 160 may search for an input value corresponding to the result value, and input the retrieved input value to the source to detect an error.

3 is a flowchart illustrating a rule manager method according to an embodiment of the present invention.

Referring to FIG. 3, the rule manager system 100 generates an item of the processing flow and registers it in a table of the diagram application (S310). 4, the processing flow item includes a terminal symbol 410, a processing symbol 420, an input / output symbol 430, a preparation symbol 440, a decision symbol 450, and the like . Terminal symbol 410 represents the start and end. The processing symbol 420 represents a statement other than a function, for example, an operation. The input / output symbol 430 represents a function to be input and a function to be output. The ready symbol 440 declares a variable and sets an initialization value. A decision symbol (450) is used to execute different processing symbols depending on the true and false values of the variables or the values.

The rule manager system 100 generates a flowchart by combining each item registered in the table of the diagram application (S320).

The rule manager system 100 includes a rating rule for determining the customer's rating based on the customer information and the personal credit rating including the transaction performance, the income amount, the profit margin for each business type, and the actual income reflection ratio, A strategy rule for determining a strategy such as a limit and an interest rate is generated (S330).

The rule manager system 100 generates a source using a flowchart, a rating rule, and a strategy rule (S340). The rule manager system 100 outputs 'scanf' corresponding to the input / output symbol 430, 'int num' corresponding to the ready symbol 440, And outputs 'if' corresponding to the decision symbol 450 to generate a source. In the embodiment of the present invention, the C ++ language is described as an example for convenience of explanation, but the present invention is not limited thereto. The rule manager system 100 may correspond to each language such as JAVA, HTML, and JSP Can be output.

Additionally, the rule manager system 100 may debug the generated source. Specifically, the rule manager system 100 may search for an input value corresponding to a result value, and input the retrieved input value to the source to detect an error.

The above-described method can be implemented by various means. For example, embodiments of the present invention may be implemented by hardware, firmware, software, or a combination thereof.

In the case of hardware implementation, the method according to embodiments of the present invention may be implemented in one or more Application Specific Integrated Circuits (ASICs), Digital Signal Processors (DSPs), Digital Signal Processing Devices (DSPDs), Programmable Logic Devices (PLDs) , FPGAs (Field Programmable Gate Arrays), processors, controllers, microcontrollers, and microprocessors.

In the case of an implementation by firmware or software, the method according to embodiments of the present invention may be implemented in the form of a module, a procedure or a function for performing the functions or operations described above. The software code can be stored in a memory unit and driven by the processor. The memory unit may be located inside or outside the processor, and may exchange data with the processor by various well-known means.

The embodiments disclosed herein have been described with reference to the accompanying drawings. Thus, the embodiments shown in the drawings are not to be construed as limiting, and those skilled in the art will understand that the present invention can be combined with each other, and when combined, some of the components may be omitted.

Here, terms and words used in the present specification and claims should not be construed as limited to ordinary or dictionary meanings, but should be construed as meaning and concept consistent with the technical idea disclosed in the present specification.

Therefore, the embodiments described in the present specification and the configurations shown in the drawings are only examples described in this specification, and not all of the technical ideas disclosed in this specification are described. Therefore, It is to be understood that equivalents and modifications are possible.

110: table input unit 120: chart generating unit
130: Rule generation unit 140:
150: module generation unit 160: debugging unit

Claims (16)

An item of the process flow of comparison, calculation, and execution is created and registered in a table of the diagram application, and a flowchart is created by combining each item registered in the table. A credit rating rule for determining a credit rating of a customer based on at least one of customer information and a credit rating of an income ratio, and a strategy rule for determining a strategy of at least one of a limit or an interest rate based on a customer's rating, A source is generated using the flowchart, the rating rule, and the strategy rule, an input value corresponding to a result value is retrieved, an input value is retrieved again to detect an error,
A screen module is generated in the form of Xplatform, Miplatform, and Ireo to provide a variable evaluation screen,
Vancs, ProFrame, Xplatform, and Miplatform,
A rule manager system that provides database encryption with module include;
A development system server, a test system server, and an operating system server, and applying a source generated by the rule manager system to the operating system server via the development server and the test system server;
An examination system for testing and operating a source of the development server, the test system server, and the operating system server of the main system; And
And a configuration management system for verifying and modifying the source among the servers of the subsystem,
The rule manager system is implemented in a plug-in form in the diagram application and supports copying or pasting of items of the item,
Wherein the operating system server performs input and output based on a JavaScript Object Notation (JSON) file system when performing a batch operation,
The operating system server loads the file from the database and performs operation in the memory, uploads the calculation result to the database using a database loader (DB LOADER) as a file, and performs index drop and generation CREATE) is used,
The operating system server generates log information according to an operation,
The operating system server generates an alarm upon occurrence of an error, transmits an alarm message including the log information to the agent terminal,
Wherein the configuration management system manages configuration information of the log information generated by the operating system server.
delete delete delete delete A table input unit for generating an item of at least one of a comparison process, an arithmetic process, and an execution process and registering the item in a table of the diagram application;
A chart generating unit for generating a flowchart by combining each item registered in the table;
A rating rule for determining the customer's rating based on the customer information and the personal credit rating of at least one of the transaction performance, the income amount, the profit margin according to the business type, and the actual income reflection ratio, A rule generating unit for generating a strategy rule for determining a strategy;
A source generating unit for generating a source using the flowchart generated by the chart generating unit and the rating rule and the strategy rule generated by the rule generating unit;
A debugging unit for searching an input value corresponding to a result value and inputting a retrieved input value again to detect an error;
And a module generation unit that generates a screen module in the form of Xplatform, Miplatform, and Ireo to provide a variable evaluation screen,
Wherein the module generation unit generates a server module in the form of one of Vancs, ProFrame, Xplatform, and Miplatform,
Wherein the module generation unit provides a database encryption function with a module include.
delete delete delete delete A table input unit for generating an item of at least one of a comparison process, an arithmetic process, and an execution process and registering the item in a table of the diagram application;
A chart generating unit for generating a flowchart by combining each item registered in the table;
A rating rule for determining the customer's rating based on the customer information and the personal credit rating of at least one of the transaction performance, the income amount, the profit margin according to the business type, and the actual income reflection ratio, A rule generating unit for generating a strategy rule for determining a strategy;
A source generating unit for generating a source using the flowchart generated by the chart generating unit and the rating rule and the strategy rule generated by the rule generating unit;
A debugging unit for searching an input value corresponding to a result value and inputting a retrieved input value again to detect an error;
And a module generation unit that generates a screen module in the form of Xplatform, Miplatform, and Ireo to provide a variable evaluation screen,
Wherein the module generation unit generates a server module in the form of one of Vancs, ProFrame, Xplatform, and Miplatform,
Wherein the module generation unit generates a model for evaluating a customer's credit by providing a database encryption function with a module include, the method comprising:
The rule manager system creating an item of a processing flow and registering it in a table of a diagram application;
Combining the items registered in the table with the rule manager system to generate a flowchart;
Generating a rating rule for determining the rating of the customer based on the customer information and the personal credit rating and a strategy rule for determining the strategy based on the rating of the customer; And
The rule manager system generating a source using the flowchart, the rating rule, and the strategy rule;
The rule manager system retrieving an input value corresponding to a result value and inputting the retrieved input value to the source again to detect an error
Wherein the customer information includes at least one of a transaction result, an income amount, a profit rate by industry type, and an actual income rate,
Wherein the strategy comprises at least one of a limit and an interest rate.
delete delete delete 12. The method of claim 11,
Wherein the source is in the form of C ++, JAVA, HTML, or JSP.
A recording medium storing a program for executing the method according to claim 11.

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