KR20070080093A - Method for providing credit evaluation service of e-market place trading company and system thereof - Google Patents

Abstract

A method and a system for providing a credit evaluation service of an EC company are provided to offer a transaction fulfillment capability evaluation service for member companies receiving an e-marketplace service by fixing a total EC level of the company based on transaction/fulfillment results in an e-marketplace service. An EC detail database(200) stores the transaction details, which are worked out when trading with other companies through the EC. A data input part(210) receives transaction fulfillment capability evaluation data based on information for a company, financial, and buying/selling company status, and a credit level of the company. A level determiner(220) determines the EC level for evaluating whether the company is proper for an EC transaction party based on the received evaluation data and contents stored in the EC detail database. A reporter(230) reports the EC level and the evaluation data of the company to a member company.

Description

Method and providing credit evaluation service of e-market place trading company and system

1 illustrates an example flow of a method for providing a credit rating service for an e-commerce transaction enterprise in accordance with the present invention.

2 is a block diagram illustrating an example of the configuration of a system for providing a credit rating service for an e-commerce transaction company according to the present invention.

3 shows an example of a flow in which a service according to the present invention is provided.

4 illustrates a process in which transaction performance capability evaluation data for an enterprise and data to be used for early warning are transferred to a system according to the present invention and reported to the enterprise.

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic transaction, and relates to a method and apparatus for providing objective information about an enterprise such as credit information, credit rating information, financial information, etc. for a company by reflecting various requirements.

There is an increasing number of services that provide electronic commerce services online among companies, and the range of services provided is expanding.

However, in an e-marketplace that provides e-commerce services online, in order to reduce the risks of non-face-to-face transactions that are dealt with online without the parties in person, credit information, credit rating information, financial Objective information such as information is required.

By the way, objective information about such a company can only obtain a piece of information publicly, there is a practical problem that can not be provided comprehensive information based on such piece of information.

In addition, abnormal conditions such as credit status changes and abnormal symptoms of the first and second accounts can cause a series of bankruptcies, so be careful in advance by combining various preceding symptoms that occur before such events. It is necessary to provide early warning to detect and prevent chain failure in advance. This service is combined with the B2B e-commerce function, so that e-commerce companies can easily recognize abnormal symptoms through site, SMS, and e-mail. . Another problem is that efficient services that provide early warning for such companies are not readily available.

The technical problem to be achieved by the present invention, in order to solve the above problems, to apply for a report to the credit information company to provide a "transaction performance evaluation" service for the member companies that receive the e-marketplace service , Submitting documents, paying bills, and retrieving reports, and based on the transactions and performance of the e-Marketplace, establish a comprehensive member's overall e-commerce rating, and create risks to the company's management. The present invention provides a method and system for providing a credit rating service for an e-commerce transaction company that can provide early warning so as to know in advance.

According to the present invention for solving the above technical problem, a method for providing a credit rating service for a company that deals through e-commerce, (a) about the details of the company transactions with other companies through e-commerce Building a database; (b) receiving transaction performance assessment data based on information on the company's current status, financial status, current status of acquirers and sales firms, and credit ratings for the corporation; And (c) determining an e-commerce grade according to the evaluation data received in the step (b) and the established internet transaction history data to determine whether the company is suitable as a trading partner through electronic commerce. do.

In the system for providing a rating service for companies trading through electronic commerce according to the present invention for solving the other technical problem, In the system for providing a credit rating service for companies trading through electronic commerce, A transaction history database in which the details of the company's transactions with other companies through electronic commerce are constructed and stored as a database; A data input unit for receiving transaction performance evaluation data based on information on a company's status, a financial status, a purchase company and a sales company, and a credit rating of the company; And a rating determiner configured to determine an electronic commerce rating of whether the company is a suitable business partner through electronic commerce according to the received evaluation data and the contents of the constructed internet transaction history database.

The system further includes a notification unit for reporting the rating determined for the company through the Internet including the evaluation data for the company.

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

1 illustrates an example flow of a method for providing a credit rating service for an e-commerce transaction enterprise in accordance with the present invention.

Build a database of the company's transactions with other companies through e-commerce (step 100), and use information about the company's current status, financial status, current status of buyers and revenue companies, and credit ratings. The transaction performance capability evaluation data is notified from a credit rating agency or the like as input (step 110), and according to the input evaluation data and the established Internet transaction history data, it is determined whether the company is a suitable customer through e-commerce. Determine the e-commerce grade for the step (120),

The grade thus determined shall be reported to the desired or requested place, including via the Internet.

In addition to reporting such ratings, the report also reports early warnings of credit rating changes and risks to counterparties.

2 is a block diagram illustrating an example of the configuration of a system for providing a credit rating service for an e-commerce transaction company according to the present invention.

The system includes a transaction history database 200 in which a company's transactions with other companies through electronic commerce are built and stored as a database, the company's current status, financial status, status of purchasers and sales companies, and The data input unit 210 receives the transaction performance capability evaluation data based on the credit rating information from a credit rating agency and inputs the data input unit 210 and the received evaluation data and the constructed internet transaction history database 200. And a rating unit 220 for determining an e-commerce rating according to the contents of whether the company is suitable as a customer through e-commerce, and the rating determined for the company is included in the path including evaluation data about the company. It further includes a notification unit 230 to report through.

The notification unit 230 also executes a service that provides early warning of changes in credit rating and risk factors for counterparties.

3 shows an example of a flow in which a service according to the present invention is provided.

In Figure 3 four companies A, B, C and D are illustrated. In this case, it is assumed that member companies provided with the service according to the present invention are A member companies and B member companies, and other companies C and D are not companies receiving the service according to the present invention.

We assume that Company C is a B's source of business, Company D is a B's purchaser, and that A and B are e-commerce, e-market place transactions with each other. Can be regarded as the trading partners of electronic commerce. Because A and B do not face each other, it is necessary to know the degree of credit for the other company's e-commerce. At this time, information about other companies doing business with the other company is also necessary for the evaluation of the company.

The process of implementing the service according to the present invention can be largely divided into two, one of which is a collaboration model, so that A may request a “transaction performance evaluation” service for B, and another is B as a single model. A company may apply for a service according to the present invention on its own.

The collaboration model receives firm A's report and service evaluated for Firm B. A single model applies to firm B who applied for the service. I will accept it.

 Or, in the collaborative model, early warning service is provided to the primary and secondary customers, while in a single model, it is limited to early warning service to its primary customer.

It can be seen from the following description that the present invention can be applied without changing the subject matter in any such cases.

Hereinafter, the operation of the present invention will be described based on the contents of FIG. 3.

Company A and company B are in the relationship of electronic commerce, and this relationship of electronic commerce can also occur in the area to which the present invention is applied. In either case, several transactions occur during a transaction, and such transactions can also occur in electronic commerce with other companies.

The transaction details generated as described above are constructed as a database in the transaction history database (200 of FIG. 2) (100 steps of FIG. 1). As such, the transaction details constructed by the database include the cumulative transaction amount, the number of transactions, the number of transaction attempts, the transaction performance score, the number of contract breaks, and the compliance rate of the transaction with other companies.

In this case, the construction of the transaction details as a database can be performed using conventional database construction means, which can be easily performed by those skilled in the art.

The member company B applies for the service according to the present invention to the system for providing the service according to the present invention (step 301). Through this it is to apply for a service according to the present invention, including e-commerce ratings and early warning services. At this time, you will be informed about your company. At this time, various financial statements pre-stored in a device such as a computer and data such as VAT file filed electronically to the IRS are notified directly to the credit information company through the Internet.

The system according to the present invention transmits the application information received in the previous step to the credit information provider (step 302).

The credit information provider may receive information about the B company from the B company, and may also receive information about the C company, which is the company B, and the D company, which is the buyer (step 303). Company information that can be transmitted at this time may be publicly available data, for example, the financial data of the last three years, VAT electronic filing data, and so on.

The credit information provider transmits the transaction performance evaluation data for the company B to the service providing system according to the present invention through the above data (step 304).

The transaction performance evaluation data is based on the credit rating information of the company, basic information about the company including financial information, the credit status of the company, the buyer risk analysis information of the company's clients and buyers, and the buyer's risk analysis information. Is generated.

Such data can be provided immediately if desired by the company applying for the service. This is kind of like a lookup service.

Such an inquiry service may include the following contents.

-Credit information service for B and B (C, D)

-Service for inquiring early warning status, sales, loan amount, debt ratio, credit rating, watch grade, etc. for the company's B and D (C, D).

Watch ratings are service ratings that change whenever a factor affects creditworthiness after credit rating calculation.

The sales, loan amount and debt ratio are based on the financial statements of the last year.

Based on the evaluation data transmitted in step 304 and the transaction details of the e-commerce established by the database, an e-commerce grade for the company B is determined and delivered to the company applying for the service (step 305).

First, the e-commerce rating may be serviced only by the evaluation information of the credit reporting agency in the case of the company having no past performance of the e-commerce.

In the case of a company that has continued to trade, the factors affecting the credit rating of the e-commerce transaction by applying statistical methods to the transaction results of the e-commerce according to the transaction, such as cumulative transaction amount, the number of transactions, the number of transaction attempts, By analyzing transaction performance scores, contract breakdowns, and delivery compliance rates, final ratings for e-commerce can be finalized independent of credit ratings evaluated by credit rating agencies.

The higher the cumulative transaction amount, the number of transactions, the number of transaction attempts, and the number of transaction execution scores, the higher the e-commerce credit rating may be according to the weight. The grade may be lowered.

 If the company applying for the service is a company B, the contents of the company are received. If the company A who applied for the service applies for the service, the result is delivered to the companies A and B.

If an event arises that is urgent for the company and affects the creditworthiness of the company, an emergency report is necessary.

Such a case is called an early warning, and is generated when one or more of the following cases occur for the B company, the B company, and the purchaser (C, D).

1. default on debt

2. Stopping current account / default

3. Litigation

4. Contents of Statutory Management / Tue

5. Change in company bill grade

6. Changes in corporate bond ratings

7. Changes in credit rating

8. Watch Rating Changes

Alert data for urgent changes in the ability of such a company, its vendor and buyer to perform transactions can be delivered as an early alert (step 306), or the alert data as described above can be generated as an early alert. It may be.

Alternatively, the company's primary or secondary customers can receive the alarm data on credit status changes and risk factors for defaults, reconciliation, tax and loan transfers, disclosures, etc., and generate them as early warnings.

Such an early warning may report an early warning along with an e-commerce rating via the Internet in accordance with the present invention, but even if such an early warning is of urgent nature, even before determining the e-commerce rating for a company. The service may be separately delivered to the requesting party (step 307). That is, when the early warning is generated in step 110 of FIG. 1, the early warning may be separately reported before step 120.

In this case, the early warning content is provided to A and B in the case of a collaboration model and to B in the case of a single model.

As described above, the early warning service for watch grade change combined with the e-commerce e-marketplace is significantly different from the existing service.

Existing services had to go directly to the credit bureau's site and find information about their customers, and that information was not simply a real-time change, but simply viewed credit information evaluated once a year. On the other hand, the service according to the present invention is registered by a simple method of transmitting VAT electronic declaration data, even if the first trading partner, and even another trading partner of the first trading partner, accurately targets the necessary information and changes in real time. It provides the benefit of providing timely service in the form required when the required information is needed.

4 illustrates a process in which transaction performance capability evaluation data for the enterprise and data to be used for the early warning are transferred to the MP system according to the present invention and reported to the enterprise.

From the contents of the credit information table and the early warning tables 400 and 410 for the company, the early warning data for the corresponding company B and the early warning for the company C and D which is the buyer and the buyer of the company B are generated (420). When delivered to the MP system according to the present invention (430), these data are processed in an optimized form to the required subjects, and the e-mail 440 or SMS service of the mobile phone to the person in charge of the company or business partner who applied for the service immediately ( 450).

As described above, such a service may be executed separately or in conjunction with an e-commerce rating transfer to the enterprise.

Through the present invention, the following contents can be serviced.

1. Comprehensive Grade Analysis of the Company

-Comprehensive credit rating

-Vendor Risk Rating

-Cash flow rating

Watch grade

Distribution grades and rating opinions for each grade can be serviced, and the ratings of suppliers can be comprehensively confirmed, and the watch grades of suppliers and suppliers' risk grades can be used to identify risks. You can check immediately.

2. Corporate Credit Rating Analysis

Provides the basis for calculation by category, corporate financial information, litigation pending information, corporate credit information, and position in the industry, and major financial situation such as total assets, paid-in capital, equity, sales, net income, sales growth rate, sales Present financial credit score and industry average by analyzing financial ratios such as operating profit ratio, financial cost burden ratio, debt ratio, current ratio, total capital turnover ratio, stability, liquidity, profitability, growth potential, activity and size The financial credit score standard is presented.

Through this, it is possible to rank partner companies based on the average value of industries in the same industry and to check the comprehensive credit rating (CCR).

3. Corporate Credit Status Analysis

By checking borrowings on financial instruments, borrowings on financial instruments, borrowings on borrowings, dependence on borrowings, and credit risk level, it is possible to identify the current credit conditions (loans, securities, lease bonds, etc.) collected by the National Bank Federation. The risk rating is calculated by analyzing the share of financial institutions' borrowings as of today and the extent of changes in the share of recent years (the share of recent days the share of recent settlement periods).

4. Client's Risk Level-Major Customers

It calculates the sales-related transaction risks by calculating the risk according to the share of the risk sources, and analyzes the transaction risks of the customers such as the number of sales, sales, sales ratio, the number of risk-cooperating companies, the amount of risk sales, and the share of risk sales for all customers and top customers. It also analyzes the share of major sales and risks and provides the current status such as transaction volume, transaction weight, watch rating, credit rating, sales, net income, borrowings and debt ratio.

Through this, it is possible to comprehensively check the risk level analyzed based on the major customers and expect the effect of securing important information on not only the suppliers but also the major customers.

5. Vendor Risk Class-Risk Vendor

The following details are provided for the major sources of risk.

-Bankruptcy: Suspended trading and bankruptcy

-Risk: Delisting

-Notice: Litigation pending (a litigation amount of more than 10% of total assets), delisting decision,

         Fines / penalties / administrative actions;

         Bank / Joint Management

-Reserved: Representative director changed, investment intention notice, disaster occurrence, capital increase

- normal

This can be used to identify watch grades and reasons for major risk sources.

In addition, based on the above, we provide credit rating watch ratings, and increase the number of credit rating agencies so that the number of inquiries of financial institutions (including all banks and lenders including banks) for the corporation and its representatives in the last month and last three months By providing rating agency ratings, court management, conciliation, and litigation information, financial institutions such as banks and lenders can comprehensively check the number of recent inquiries about companies and the evaluation ratings of the three rating agencies. The size of the litigation can be determined by the amount of the total assets and the ratio of sales.

Those skilled in the art will appreciate that the present invention can be implemented in a modified form without departing from the essential features of the present invention. Therefore, the disclosed embodiments should be considered in descriptive sense only and not for purposes of limitation. Examples included in the above description are introduced for the understanding of the present invention, and these examples do not limit the spirit and scope of the present invention. For example, in the above description, the Internet is mainly used as an example of a communication network, but it is also possible to use a public telephone communication network such as a PSTN, and in addition to the above examples, various embodiments according to the present invention are possible. It will be obvious to those of ordinary skill in this technical field. The scope of the present invention is shown not in the above description but in the claims, and all differences within the scope will be construed as being included in the present invention.

In addition, it can be easily understood by those skilled in the art that each of the above steps according to the present invention can be variously implemented in software or hardware using a general programming technique.

And some steps of the invention may also be embodied as computer readable code on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, CD-RW, magnetic tape, floppy disks, HDDs, optical disks, magneto-optical storage devices, and carrier wave (eg, Internet It also includes the implementation in the form of). The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

According to the present invention, in the method of providing an evaluation service for a company that deals with e-commerce, a database for the details of the company's transactions with other companies through e-commerce is established, Based on the information on the financial status, the status of purchasers and sales companies, and credit ratings, the transaction performance evaluation data is input. Determining e-commerce ratings to ensure that they are worthy of trading partners, and providing credible credit rating information for counterparties or their own companies to e-commerce companies that do not face to face, thereby eliminating transaction risks arising from e-commerce. Minimize, especially affecting real-time credit rating By the changes in the accounts and even other customers of the suppliers associated with self-optimized form provides early warning services in real-time as a result makes it possible to enable e-commerce.

Claims (12)

In the method of providing an evaluation service for a company that deals with e-commerce, (a) establishing a database of details of the company's transactions with other companies through electronic commerce; (b) receiving transaction performance assessment data based on information on the company's current status, financial status, current status of acquirers and sales firms, and credit ratings for the corporation; And (c) determining an e-commerce grade according to the evaluation data input in the step (b) and the established internet transaction history data to determine whether the company is suitable as a trading partner through electronic commerce. How to provide credit rating services for e-commerce trading companies. The method of claim 1, In step (b), the alarm data for the urgent change in the transaction performance capability of the company, the seller and the buyer of the company is received as an input and generated as an early warning, Credit for an e-commerce transaction company, characterized in that, in step (c), prior to determining an e-commerce rating for the enterprise or reporting an early warning along with the e-commerce rating via a route including the internet, if alert data is entered. How to Provide Evaluation Services. The method of claim 2, The alarm data may be affected by the default of the company's default, stop / financing, bankruptcy, litigation, court management / conciliation, changes in company bill grade, changes in corporate bond grade, changes in credit grade, and credit rating. A method of providing a credit rating service for an e-commerce transaction company, characterized in that it is generated when one or more of the watch grade fluctuations, which are service grades that change each time, occurs. The method of claim 1, In the step (b), early warning is received by receiving alarm data on credit status change and risk factors for default, reconciliation, national tax and loan transfer, public announcement, etc. Generated by Credit for an e-commerce transaction company, characterized in that, in step (c), prior to determining an e-commerce rating for the enterprise or reporting an early warning along with the e-commerce rating via a route including the internet, if alert data is entered. How to Provide Evaluation Services. The method according to claim 2 or 4, If the early warning is generated in step (b), the early warning may be separately reported before step (c). The method of claim 1, The transaction details built in the database in the step (a) is an electronic commerce transaction company, including the cumulative transaction amount, the number of transactions, the number of transaction attempts, the number of transaction execution, the number of contract breaks, the compliance rate of delivery with other companies How to Provide Credit Rating Services for. The method of claim 1, The transaction performance capability evaluation data of step (b) includes credit rating information about the company, basic information about the company including financial information, the credit status of the company, vendor risk analysis information about the company's clients and buyers, and the buyer. Method for providing a credit rating service for an e-commerce transaction company, characterized in that it is generated based on risk analysis information. The method of claim 1, Providing a credit evaluation service for an e-commerce transaction company, characterized in that in step (c) optionally provide the transaction comprehension evaluation data of the company received in step (b) separately from the e-commerce rating determination Way. In the system for providing an evaluation service for a company that deals with e-commerce, A transaction history database in which the details of the company's transactions with other companies through electronic commerce are constructed and stored as a database; A data input unit for receiving transaction performance evaluation data based on information on a company status, a financial status, a purchase company and a sales company, and a credit rating of the company; And An e-commerce transaction company that determines an e-commerce rating according to the received evaluation data and the contents of the established internet transaction history database, whether the company is suitable as a trading partner through e-commerce. Credit rating service provider system. The method of claim 9, And a notification unit for reporting the grade determined for the company through a path including the internet, the evaluation data of the company. The method of claim 10, Through the data input unit receives the alarm data on the urgent change of the transaction performance capability of the company, the company's sales company and the purchaser as an input to generate an early warning, If the alarm data is input, the notification unit reports the alarm data alone or together with the e-commerce rating determined by the rating unit as an early warning credit rating service providing system for an e-commerce transaction enterprise. The method of claim 10, Through the data input unit receives the credit status change and risk factors for default, reconciliation, national tax and loan transfer body, disclosure matters, etc. for the first or second customer of the enterprise as an early warning, If the alarm data is input, the notification unit reports the alarm data alone or together with the e-commerce rating determined by the rating unit as an early warning credit rating service providing system for an e-commerce transaction enterprise.

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