KR100460712B1 - System and method for credit valuation through interface with internet finanial site and related facilities - Google Patents

Abstract

The present invention relates to a credit rating system and method through an interface with an internet financial related site and related institutions, and accesses an internet financial related site and related institutions using customer financial information, and scrapes credit information based on this. A credit rating server that scores credit and evaluates credit; A plurality of Internet credit information providing servers which allow access of the credit rating server to provide information related to the customer's credit, including bank transactions, credit cards, real estate registration information, and employment insurance information, respectively, through an Internet web page; And permitting the credit rating server to access information related to the credit of the customer, including whether the credit card is valid and identity verification information, auto insurance subscription information, life insurance information, and mobile communication payment information, respectively, by using a VPN or leased line or socket. A plurality of credit information provider server provided through the; characterized in that it comprises a. According to the present invention, even a financial institution that does not accumulate credit information from the past to the present to evaluate the credit of the customer may receive the customer's credit evaluation result in real time only by providing the financial information of the customer.

Description

Credit Rating System and Method through Interface with Internet Financial Sites and Related Organizations {SYSTEM AND METHOD FOR CREDIT VALUATION THROUGH INTERFACE WITH INTERNET FINANIAL SITE AND RELATED FACILITIES}

The present invention relates to a credit rating system and method through an interface with an internet financial related site and an related institution that reads information by reading information by connecting to sites and institutions that provide information related to the user's credit through the Internet and independent interfaces. It is about.

Generally, the credit rating is evaluated by evaluating whether the financial institution is able to pay the loans to banks, credit card companies, etc., if the financial institution is able to pay the loans without overdue. To decide.

However, in the past, the methods applied to measure the individual's credit have been made through the subjective and unstructured method of evaluator in measuring and examining the individual's credit, thus causing many problems. Various approaches have been attempted to solve this problem.

In this approach, the most basic method of credit evaluation is called scoring, which is now commonly understood as scoring, in which the information about credit applicants and credit accounts is quantified and combined to produce scores. to be. This score represents the credit power of the individual applying for the loan.

In addition, as a systematized approach, the credit rating of an individual is linked with the credit risk owned by the individual to derive the creditworthiness of the individual and is called a CSS (Credit Scoring System).

This measures credit risk so that lenders can respond appropriately to the identified individual risks. It consists of ASS (Application Scoring System) and BSS (Behaviour Scoring System).

In the context of ASS, Application Scoring is important for the individual, the first decision made when an individual applies for credit. When applying, personal credit is used to assess the risks that may appear to the original credit applicant. It is called ASS (Application Scoring System) as part of the personal credit evaluation system.

In addition, when explaining the BSS, BSS (Behaviour Scoring System) is another part of the personal credit evaluation system. It is called).

Such credit rating systems are mainly used by large financial institutions, and ASS is often used only as a reference to a customer database, and actual financial institutions have a greater emphasis on BSS.

And, in order to build the BSS, it is necessary to go through the task of collecting and analyzing past performances of individuals who make financial transactions through large computers in financial institutions. Generally, the BSS is based on information accumulated in financial institutions or provides corresponding credit information. Through linkage with the institution, it should continue to accumulate and build a large database.

Therefore, in the case of a small financial institution or a new customer, since there is little accumulated information that can implement the BSS, it may be a difficult task to construct CSS in reality.

In addition, with the development of the Internet, sites that provide information related to financial transactions and credits through the Internet, such as employment insurance subscription information, automobile insurance subscription information, IRS taxation information, and the Supreme Court corporate registry reading service, have appeared. There is a problem that the BSS cannot be implemented by using information in real time.

Therefore, the technical problem to be achieved by the present invention is to obtain the customer's credit by interfacing with sites and institutions that provide credit-related information even if the credit rating agency does not have its own accumulated information in obtaining the customer's credit information. The present invention provides a credit rating system and method through an interface with Internet financial related sites and related institutions that enable the evaluation of financial institutions.

1 is a schematic diagram of a credit rating system through an interface with an internet financial related site and related institutions according to the present invention

Figure 2 is a detailed block diagram of a credit rating server and credit related sites according to the present invention

Figure 3 is a flow chart of the credit rating method through the interface with the Internet financial related sites and related institutions

The credit rating system through the interface with the Internet financial related sites and related institutions to achieve the above technical problem, relates to a system for evaluating the credit based on the customer's financial information and credit information through the Internet, the customer's financial information Credit rating server for scraping the credit information to access the Internet financial related sites and related institutions using the score, and scores the credit rating based on this; A plurality of Internet credit information providing servers which allow access of the credit rating server to provide information related to the customer's credit, including bank transactions, credit cards, real estate registration information, and employment insurance information, respectively, through an Internet web page; And permitting access of the credit rating server to provide information related to the credit of the customer, including whether the credit card is valid and identity verification information, automobile insurance subscription information, life insurance information, and mobile communication payment information, respectively, through a VPN. A plurality of credit information provider server; characterized in that it comprises a.

In the present invention, the customer's financial information for the credit rating, the customer's name, social security number, credit-related site logon information, bank account information, credit card information, real estate information, insurance information provided by the agency requesting credit rating It is preferable to include mobile communication information.

In the present invention, the credit rating system, characterized in that it further comprises a credit rating request server for transmitting the customer's financial information through the Internet network.

In the present invention, the credit rating server, the customer financial database that stores the financial information of the customer provided from the requesting agency; Credit information, which is matched with each customer stored in the customer financial database, stores credit information obtained from the internet credit information providing server and the credit information providing server that the credit rating server provides credit related information, and stores the evaluation information based thereon. Database; A scraping unit for scraping data output by inputting information into a data field of a web page for outputting credit information based on the financial information of the customer stored in the customer financial database; A scoring unit for assigning a score of credit information by comparing the data read by the scraping unit and data received from a related organization with a predetermined criterion; A credit evaluation unit for evaluating credit according to a predetermined evaluation standard by analyzing the score given by the scoring unit; A VPN unit for inputting / outputting data through a VPN which is an encrypted data input / output method when credit related information is not publicly provided through the Internet; And a server controller which controls all the above functions, and in particular, controls the scraping unit to scrape information related to credit from the Internet credit information providing server and the Internet credit information agency server.

In the present invention, the scraping unit, scoring unit, credit rating unit is all implemented as a computer-readable program, characterized in that stored in the recording medium.

In the present invention, the Internet credit provider server and credit information provider server server, the homepage database that stores the web page data for displaying the site; A customer information database that stores customer information according to characteristics of a server among credit related information; And a server control unit which receives the financial information of the customer from the credit rating server and outputs the corresponding credit information of the customer to the credit rating server. The homepage database is provided only on the Internet credit providing server. .

In the present invention, the credit information provider server server, characterized in that the data communication with the credit rating server, using a VPN that is encrypted data input and output system by forming a tunnel.

In the present invention, the VPN is characterized by a dedicated line or a socket.

In the present invention, the customer's financial information input of the credit rating server encodes the data into an XML file and inputs the credit information output of the Internet credit information providing server and the credit information providing institution server to encode the data into an XML file. It is characterized by outputting.

On the other hand, the credit rating method through the interface with the Internet financial-related sites and related institutions to achieve the technical problem, relates to a method for evaluating the credit based on the customer's financial information and credit information over the Internet, (b) Selecting a target to be accessed from a financial related site or related institution for obtaining credit information while storing the obtained financial information in the customer financial database at the server control unit of the credit rating server; (c) The server control unit of the evaluation server attempts to connect with a related organization; (d) driving the VPN unit to encrypt and input / output data when a connection is established to form an encrypted data input / output tunnel with a related organization; (e) if the selected object is a financial-related site, attempting to connect to the financial-related site by the server control unit of the credit rating server; (f) the server control unit extracting the financial information of the customer from the customer financial database and inputting it into a data input field of the financial related site when a connection with the financial related site or related institution is made; (g) reading the credit information of the customer corresponding to the inputted data from the customer information database by the server control unit of the financial related site or related institution; (h) transmitting customer credit information read by the server control unit of the financial related site or related institution to the credit rating server; And (i) evaluating the customer's credit through scraping and scoring by receiving the customer's credit information transmitted by the server control unit of the credit evaluation server.

In the present invention, the step (d) is characterized in that connected to the credit institutions and dedicated lines or sockets.

In the present invention, before the step (b), (a) the credit rating server receiving the financial information of the customer provided to request the credit rating request credit evaluation; characterized in that it further comprises a.

In the present invention, the step (i), (i-1) the server control unit of the credit evaluation server stores the customer credit information received through the server connection unit in the credit information database, the credit required for credit evaluation by controlling the scraping unit Scraping the information data; (i-2) the server controller controlling the scoring unit to score the scraped information with a score that becomes a standard for credit evaluation according to a predetermined criterion; And (i-3) controlling, by the server controller, the credit evaluation unit to perform a credit evaluation of the customer according to a predetermined criterion from the scored score, and to store the credit evaluation result in the credit information database of the customer. do.

In the present invention, after the step (i), controlling the server control of the credit report to transmit the credit evaluation result of the customer stored in the credit information database to the credit rating request server; characterized in that it further comprises.

Hereinafter, the present invention will be described in detail with reference to examples, and detailed description will be made with reference to the accompanying drawings to help understand the present invention. However, embodiments according to the present invention can be modified in many different forms, and the scope of the present invention should not be construed as being limited to the embodiments described below. Embodiments of the present invention are provided to more clearly and easily describe the present invention to those skilled in the art. In the drawings like reference numerals refer to like elements.

1 is a schematic diagram of a credit rating system through an interface with an internet finance related site and related institutions according to the present invention.

Referring to Figure 1, the credit rating system according to the present invention, the financial information (name, social security number, credit-related site logon information, related to the customer received from the credit rating request server 5 of the agency requesting a credit rating, Banking information, credit card information, real estate information, insurance information, mobile communication information, etc.) are used to access the Internet financial related sites and related institutions and to input the financial information to scrape the printed credit information. A credit evaluation server 30 for rating the credit by ringing; Allows the credit rating server 30 to access and outputs credit information related to a transaction, but does not provide information through an internet web page, the bank server 10 outputting data through a virtual private network (VPN), which is an encryption input / output method. )Wow; A card company server 15 for outputting credit information associated with a credit card; A court registration providing server 25 for providing registration information about the property owner; An employment insurance company server 20 for outputting information related to employment insurance; A VAN server 35 for inputting and outputting credit information of credit card validity and identity verification through an encrypted VPN (Virtual Private Network); An insurance company server 40 for outputting insurance-related credit information such as automobile insurance subscription information and life insurance information through an encrypted VPN; It includes a mobile carrier server 45 for outputting the credit information associated with the mobile communication through the VPN.

The credit-related site that the credit rating server 30 accesses through the Internet or a VPN is not limited to those listed above, but is preferably added if the site is provided with information necessary for credit rating.

In addition, a credit-related site connected through an encrypted VPN is not limited to a VPN, but may be implemented by dedicated lines or sockets.

2 is a detailed block diagram of a credit rating server and an internet finance related site according to the present invention.

Referring to Figure 2 with respect to the credit rating server and the Internet financial related site, first, the credit rating server, the financial information of the customer provided from the requesting institution, for example, name, social security number, credit-related site logon information, credit card information, A customer finance DB (30g) that stores real estate information, insurance information, business registration number information, mobile communication information, and the like; Credit information DB (30h), which matches with each customer stored in the customer finance DB (30g), stores the credit information obtained from sites and related institutions that the credit rating server provides credit related information and based on the evaluation information. Wow; Scraping to read the outputted data by accessing a site that provides credit related information based on the personal information of the customer stored in the customer finance DB (30g) and inputting the information into the data field of the web page for outputting the credit information. Part 30e; A scoring unit 30d which compares the data read out from the scraping unit 30e and the data received from the related institutions with a predetermined criterion to give a score of credit information; A credit evaluation unit 30c which analyzes the score given by the scoring unit 30d and evaluates the credit according to a predetermined evaluation standard; A VPN unit 30b for inputting and outputting data through a VPN which is an encrypted data input / output method when credit related information is not publicly provided through the Internet; The server control unit 30f controls all the above functions, and in particular, controls the scraping unit 30e to scrape the credit information output from the Internet financial related sites and related institutions. In the above, the scraping unit 30e, scoring unit 30d, credit rating unit 30c are all implemented as a program.

In addition, referring to the Internet financial-related site, as shown in Figure 1, the Internet financial-related site may be any Internet site that provides information related to credit publicly. And the main structure is generally the same. That is, the server connection unit 50 for allowing the connection of the credit rating server 30 through the Internet; A home page DB 60 storing web page data for displaying a site; Among the information related to the credit, the customer information DB according to the characteristics of the site, for example, if the bank site, the customer information DB 65 that stores information such as the customer's bank transaction performance, credit card company results, such as credit card transaction results. In addition, in the case of a related institution that does not publicly provide credit related information through the homepage through the homepage, the credit rating server 30 performs encrypted data communication with the credit rating server 30 through a VPN on the Internet. The structure is the same as that of Internet finance related sites.

Referring to Figures 1 and 2 with respect to the operation of the credit rating system through the interface with the Internet financial-related sites and related institutions according to the present invention having the above configuration as follows.

The server control unit 30f of the credit rating server 30 is the financial information (name, social security number, credit-related site logon information, bank account information, credit card) transmitted from the credit rating server 30 of the institution requesting credit evaluation. Information, real estate information, insurance information, business registration number information, mobile communication information, etc.) are stored in a database table allocated to each customer in the customer finance DB (30g). The server control unit 30f attempts to access an internet financial related site and related institution for credit evaluation from the personal information obtained from the customer financial DB 30g. If the customer's financial information is stored in the customer finance database (30g), name: Hong Gil-dong, social security number: 600000-0000000, bank logon ID: patent, bank logon password: patent, card logon ID: patent, card logon password: patent , Card number: 0000-1111-2222-3333, Card password: 9999, Card expiration date 00/00, Property type: Self, Real estate Address: Seocho apartment, 1, Seocho-dong, Seocho-gu, Seoul Building 12, real estate: apartment 103, business registration number: 999-9999, credit card merchant number: 123456789, mobile number: 000-000-0000 Then, the Internet financial related sites that the credit rating server 30 needs to access for the customer's credit rating are banks, credit card companies, employment insurance companies, courts, and related institutions are VAN companies, insurance companies, and mobile communication companies.

First, the credit rating server 30 will be described for the process of scraping the information to access the Internet financial related sites.

First, the process of accessing the bank and scraping the transaction information extracts the bank logon ID and password from the customer finance DB 30g so that the server controller 30f can log on to the bank server 10. The server controller 30f enters the extracted ID " patent " and the password " patent " into the input data field of the logon web page output from the homepage DB 30g of the bank server 10, and then the server controller of the bank server 10. 55 receives the input of the ID and password to output a web page that appears after the logon from the homepage DB (60). Then, the server control unit 30f of the credit rating server 30 extracts the resident registration number, account number, and account password, which are data fields normally input into the web page, from the customer finance DB 30g and inputs them into the web page. The server control unit 55 of the bank server 10 receives the resident registration number, the account number, the account password and outputs data corresponding to the input from the customer information DB 65 to the web page. The scraping unit 30e of the credit rating server 30 scrapes the information necessary for the customer's credit evaluation from the output webpage data, for example, average balance, average salary, and account opening date, and stores it in the credit information DB 30h. Let's do it.

Secondly, in the process of accessing the card company and scraping the card record information, the card company logon ID and password are extracted from the customer finance DB 30g so that the server controller 30f can log on to the card company server 15. The server controller 30f enters the extracted ID " patent " and the password " patent " into the input data field of the logon web page output from the homepage DB 30g of the card company server 15, and then the server controller of the card company server 15 55 receives an input of an ID and password and outputs a web page indicating after logon is made from the homepage DB 60. Then, the server control unit 30f of the credit rating server 30 extracts the card number and the card password, which are data fields generally input into the web page, from the customer finance DB 30g and inputs them into the web page. The server controller 55 of the card company server 15 receives the card number and the card password and outputs data corresponding to the input from the customer information DB 65 to the web page. The scraping unit 30e of the credit rating server 30 displays information necessary for the customer's credit evaluation on the printed web page, for example, total amount of money, lump sum payment amount, installment amount, cash service use amount, total card use amount, lump sum payment. Information such as usage, installment usage, cash service usage, overdue amount, overdue interest, and card opening date is scraped and stored in the credit information DB 30h.

Third, the process of accessing the employment insurance company and scraping the employment insurance subscription and subscription period information is performed from the customer finance DB 30g so that the server controller 30f can obtain the employment insurance subscription from the employment insurance company server 20. Extract your social security number and name. When the server control unit 30f inputs the extracted resident registration number "600000-0000000" and the name "Hong Gil-dong" into the input data field of the logon web page output from the homepage DB 60 of the employment insurance company server 20, the employment insurance company server 20 The server control unit 55 of) receives the input of the resident registration number and name, and outputs the employment insurance information corresponding to the customer input from the customer information DB 65 as a web page. The scraping unit 30e of the credit evaluation server 30 scrapes the information necessary for the credit evaluation of the customer from the output web page, for example, whether to join the employment insurance, the subscription period, and stores it in the credit information DB 30h.

Fourth, the process of accessing the court registration providing service and scraping the real estate registration information, the real estate classification from the customer finance DB (30g) so that the server control unit 30f can obtain the real estate registration information from the court registration providing server 25, Extract the address. The server control unit 30f inputs the extracted real estate division "self" and the address "webpage input 60 from the homepage DB 60 of the court registration provision server 25 with the address" No. 12, Seocho Apartment No. 1, Seocho-dong, Seocho-gu, Seoul-si ". When input to, the server control unit 55 of the court registration providing server 25 receives the input of the real estate classification and address, and outputs the registration information corresponding to the customer input from the customer information DB (65) as a web page. The scraping unit 30e of the credit rating server 30 scrapes the real estate registration information, which is information necessary for the customer's credit evaluation, from the output web page and stores it in the credit information DB 30h.

Since the web page output from the bank server 10, the card company server 15, the employment insurance company server 20, the court registration providing server 25 is transmitted to the credit rating server 30, the credit rating server 30 The scraping unit 30e may extract and scrap the necessary information from the data temporarily stored in the memory of the memory. In addition, the method of inputting the customer's financial information input by the credit rating server 30 encodes the data into an XML file and inputs the data into the XML file. Output it. Then, in the same manner as described above, the credit rating server 30 may access the IRS server (not shown), and if the customer is a business, input the business registration number to scrap the information about the taxation type and the closing business.

In addition to the above embodiment, if it is an Internet financial related site that provides information for evaluating a customer's credit, it is preferable that the credit evaluation server 30 is connected to scrape data to more accurately measure the credit rating.

Then, the credit rating server 30 will be described in the process of scraping the information to access the financial institutions.

Prior to the description, in one embodiment according to the present invention, the financial institution is connected to the Internet network, but the VPN is encrypted data input / output method to the server that wants to provide the information without providing the information of the customer in the form of a homepage. Use to provide.

First, the process of accessing the bank and scraping the tax preferential information, the server control unit 30f of the credit rating server 30 can control the VPN unit 30b to input and output encrypted data with the bank server 10 Form a tunnel. The server control unit 30f of the credit rating server 30 extracts input information necessary for outputting information such as a social security number, an account number, and an account password from the information stored in the customer finance DB 30g. The server control unit 30f of the credit rating server 30 attempts to access the bank server 10. If the bank server 10 permits access, the server control unit 30f of the credit rating server 30 transmits the extracted social security number, account number, account password, and the like. The server control unit 55 of the bank server 10 receives the transmitted data, reads the current tax preferential subscription amount information of the customer from the customer information DB 65, and transmits the information to the credit rating server 30. The scraping unit 30e of the credit rating server 30 scrapes the transmitted information and stores it in the credit information DB 30h.

Second, the process of scraping credit card authorization information by accessing a VAN (Value Added Network) company, the server control unit 30f of the credit rating server 30 controls the VPN unit 30b to encrypt with the VAN server 35 Form a tunnel to input and output the data. The server control unit 30f of the credit evaluation server 30 extracts the card number, name, card expiration date, etc. of the credit card from the information stored in the customer finance DB 30g. The server control unit 30f of the credit rating server 30 attempts to access the VAN server 35. If the VAN server 35 permits access, the server control unit 30f of the credit rating server 30 extracts the extracted card number "0000-1111-2222-3333", name "Hong Gil-dong", and validity period "00/00". send. The server control unit 55 of the VAN server 35 receives the transmitted data, reads the approval information of the customer from the customer information DB 65, and transmits the received approval information to the credit evaluation server 30. The authorization information is, for example, whether or not to exceed the merchant limit, whether the transaction amount is exceeded, whether the limit is exceeded, theft / lost card, corporate card, installment or the like. The server control unit 30f of the credit evaluation server 30 receives the approval information, and the scraping unit 30e scrapes the information necessary for the credit evaluation from the received approval information and stores it in the credit information DB 30h.

Third, the process of scraping the car insurance information by accessing the insurance company, the server control unit 30f of the credit rating server 30 can control the VPN unit 30b to input and output encrypted data with the VAN server 35 Form a tunnel. The server control unit 30f of the credit rating server 30 extracts the resident registration number and the like from the information stored in the customer finance DB 30g. The server control unit 30f of the credit rating server 30 attempts to access the insurance company server 40. If the insurance company server 40 allows access, the server control unit 30f of the credit rating server 30 transmits the extracted social security number. The server control unit 55 of the insurance company server 40 receives the transmitted data, reads the automobile insurance information of the customer from the customer information DB 65, and transmits it to the credit evaluation server 30. The car insurance information is, for example, car ownership, insurance premiums, owned car type, remaining value, subscription period, and the like. The server control unit 30f of the credit evaluation server 30 receives the car insurance information, and the scraping unit 30e scrapes the information necessary for the credit evaluation from the received car insurance information and stores it in the credit information DB 30h.

Fourth, in the process of scraping payment information by accessing a mobile communication company, the server controller 30f of the credit rating server 30 may control the VPN unit 30b to input / output encrypted data with the VAN server 35. Form a tunnel. The server control unit 30f of the credit rating server 30 extracts the mobile communication number from the information stored in the customer finance DB 30g. The server control unit 30f of the credit rating server 30 attempts to access the mobile communication company server 45. If the mobile communication company server 45 permits access, the server control unit 30f of the credit rating server 30 transmits the extracted mobile communication number. The server control unit 30f of the card company server 15 receives the transmitted data, reads the customer's payment information from the customer information DB 65, and transmits it to the credit evaluation server 30. The payment information is, for example, corporate phone, personal phone, family phone, lost / suspended, termination, arrears, prepayment and the like. The server control unit 30f of the credit evaluation server 30 receives payment information, and the scraping unit 30e scrapes the information necessary for credit evaluation from the received payment information and stores it in the credit information DB 30h.

Since the credit information provided by the bank server 10, VAN server 35, insurance company server 40, mobile carrier server 45 is transmitted to the credit rating server 30, the memory of the credit rating server 30 The scraping unit 30e may extract and scrape necessary information from the temporarily stored data. In addition, the method of inputting the customer's financial information input by the credit rating server 30 encodes the data into an XML file, and the method of outputting the credit information by each related institution server also encodes the data into the XML file. Output

In addition to the above embodiment, it is preferable that the relevant institution providing information for evaluating the credit of the customer can more accurately measure the credit rating by accessing the credit rating server 30 and scraping the data.

When the data for credit evaluation of the customer is stored in the credit information database 30h as described above, the server controller 30f of the credit rating server 30 controls the scoring unit 30d to score the stored information. . Scoring's criterion introduces the concept of weights in credit ratings so that information that takes up an important part is given a larger score, and information about that part is given a lower score to evaluate credit as a sum.

A method of scoring will be described with reference to Tables 1 to 6 as follows.

Table 1 is a chart showing the score through the bank account information,

Table 2 is a chart showing scores through credit card information.

Table 3 is a chart showing scores through employment insurance information.

Table 4 is a chart showing the score through real estate information,

Table 5 is a chart showing the score through the car insurance information,

Table 6 is a table showing the score through the social security number information.

* Bank account information (out of 500, weight 23%) Skoa Account opening date Flat cup Direct debit Salary Automatic loan 500 Over 1 year Over 500,000 won 4 or more More than 50 million won Preferential treatment 400 Less than 1 year Less than 500,000 won 3 Matches Less than 50 million won - 300 Less than June Less than 300,000 won 2 cases Less than 30 million won - 200 Less than March Less than 100,000 won 1 case Less than 20 million won - 100 Less than January Less than 10,000 won radish Less than 10 million won -

* Credit card information (out of 300, weight 14%) Skoa Card opening date Usage degree Current monthly payment 300 more than 3 years More than 10 million won Over 2 million won 240 Less than 3 years Less than 10 million won Less than 2 million won 180 Less than 1 year Less than 5 million won Less than 1 million won 120 Less than June Less than 3 million won Less than 500,000 won 60 Less than March Less than 1 million won Less than 100,000 won

* Employment Insurance Information (out of 400, weighted 18%) Skoa Months 400 More than 36 months 300 Less than 36 months 200 Less than 12 months 100 Less than 1 month

* Real estate information (out of 500, weight 23%) Skoa real estate 500 owner

* Car insurance information (out of 300, weight 14%) Skoa Displacement Years of membership Comprehensive Insurance 300 3000cc or more More than 5 years Preferential treatment 240 Less than 3000cc 4 years - 180 Less than 2000cc 3 years - 120 Less than 1500cc 2 years - 60 Less than 1000cc 1 year -

* Age information (200 points, 8% weight) Skoa age gender 200 50 spaces 女 Preferential treatment 160 40 spaces - 120 30 spaces - 80 20's - 40 - -

When the reference for the scoring method is programmed in the scoring unit 30d as described above, the scoring unit 30d scores from the information stored in the credit information DB 30h under the control of the server controller 30f.

For example, suppose that the credit rating server 30 is scraped from an internet financial related site and related institution and stored in the credit information DB 30h for credit evaluation of a customer whose name is "Hong Gil Dong" and a man of 43 years old. Looking at the scoring of the scoring information (30d) of the information stored in the credit information DB (30h), the bank account information in the customer's financial information stored in the credit information DB (30h) 8 months, the average The balance is 350,000 won, the direct debit is 3 cases, the annual salary is 35 million won, the credit card information has been opened for 2 years, the usage is 8 million won, the monthly payment is 1.5 million won, and the employment insurance information is the number of months of employment insurance. 40 months, the real estate information owns the real estate, the car insurance information is 2500cc car displacement, the car insurance years of four years, age information is 43 years old, the scoring unit 30d is the bank account of the information Scores corresponding to 400 points are obtained from the information compared to the criteria given in Table 1. Then, scores corresponding to 240 points are obtained from the credit card information in comparison with the criteria shown in Table 2. From the employment information, scores corresponding to 400 points are obtained in comparison with the criteria shown in Table 3, and from the real estate information, scores corresponding to 500 points are obtained from the criteria shown in Table 4. From the car insurance information, scores corresponding to 240 points are obtained from the criteria shown in Table 5, and from the age information, scores corresponding to 160 points are obtained from the criteria shown in Table 6. And since the weights are 23%, 14%, 18%, 23%, 14%, 8%, respectively, the total score is (400 × 23%) + (240 × 14%) + (400 × 18%) + (500 X23%) + (240 x 14%) + (160 x 8%) = 359 points. The server control unit 30f transmits the score calculated by the scoring unit 30d to the credit evaluation unit 30c, and the credit evaluation unit 30c evaluates the credit according to the programmed criterion. That is, based on the criteria shown in Table 7.

Table 7 is a chart evaluating credit ratings according to scores.

Skoa Credit rating Loan Limit 350 points or more AA 30 million won 300 points or more BB 20 million won 200 points or more CC 10 million won 100 points or more DD 5 million won 100 points or less EE Loan not possible

Based on Table 7, Hong Gil-dong has scored 359 points, so the credit rating is AA, the highest grade, and the loan limit is 30 million Yuan. If a customer's credit rating is EE, the customer will receive the lowest credit rating and the loan will be deemed impossible. The credit evaluation unit 30c stores the result of the evaluation in a database table of credit information of Hong Gil-dong stored in the credit information DB 30h, and stores the result in the credit evaluation request server 5 of the institution that requested the credit evaluation. send. The credit evaluation request server 5 collecting the above results refers to the result of the evaluation of the customer's credit and refers to loans, interest rates, and the like.

The criteria presented in the above embodiment may be variously changed according to the selection of the operator who operates the credit rating server 30.

Hereinafter, a credit valuation method through an interface with an internet finance related site and related institutions according to the above configuration will be described with reference to FIG. 3.

3 is a flowchart of a credit rating method through an interface with an internet financial related site and related institutions according to the present invention.

Referring to FIG. 3, the credit rating method according to the present invention, the credit rating server 30 is the customer's financial information (name, social security number, credit-related site logon information from the credit rating request server 5 requesting a credit rating) , Bank account information, credit card information, real estate information, insurance information, mobile communication information, etc.) are collected (S100). The server control unit 30f of the credit rating server 30 receives the financial information, stores it in the customer finance DB 30g, and accesses one of financial related sites or related institutions to obtain credit information based on the financial information. Select the target (S200). If the selected object is a related institution, the server control unit 30f of the credit rating server 30 attempts to connect with the related institution (S300). When the connection with the relevant organization is made, the VPN unit 30b encrypts and drives data to form an encrypted data input / output tunnel with the related organization (S400). If the selected target is a financial related site, the server control unit 30f of the credit rating server 30 attempts to connect to the financial related site (S500). When a connection with a financial related site or related institution is established, the server control unit 30f extracts financial information of a customer who can obtain credit information from the relevant financial related site or related institution from the customer financial DB 30g. The data is input in the data input field at step S600. The server control unit 55 of the financial related site or the related institution reads the customer's credit information corresponding to the input data from the customer information DB 65 (S700). The server control unit 55 of the financial related site or related institution transmits the read customer credit information to the credit evaluation server 30 (S800). The server control unit 30f of the credit evaluation server 30 stores the customer credit information received through the server connection unit 30a in the credit information DB 30h, and controls the scraping unit 30e to provide credit information necessary for credit evaluation. The data is scraped (S900). The server control unit 30f controls the scoring unit 30d to score the scraped information with a score that becomes a standard for credit evaluation according to a predetermined criterion (S1000). The server control unit 30f controls the credit evaluation unit 30c to perform a customer's credit evaluation according to a predetermined criterion from the scored score, and store the credit evaluation result in the customer's credit information DB 30h (S1100). The server control unit 30f transmits the result of the credit evaluation to the institution that requested the credit evaluation (S1200). The agency requesting the credit rating may perform offline and the transmission and reception of the credit rating request and the credit rating result to the credit rating server 30.

In addition to the above embodiment, in another embodiment, the connection method between the financial institution and the credit rating server uses a dedicated line or a socket instead of an encrypted VPN, so that the credit information server does not need to be scrapped with credit information. Can be directly linked to receive credit information.

After the above configuration and steps, in providing a credit rating system and method through an interface with an internet financial related site and related institutions according to the present invention, even a financial institution that does not accumulate accumulated credit information about a customer may use a CSS system. You can build it.

In the above described with reference to the accompanying drawings, preferred embodiments of the present invention in detail. However, embodiments of the present invention may be variously modified or applied by those skilled in the art, the scope of the technical idea according to the present invention should be determined by the claims below. will be.

According to an aspect of the present invention, even a financial institution that has not built up accumulated credit information for a customer's credit rating can build a CSS system that can perform a credit rating based on credit information from the past to the present.

According to another aspect of the present invention, even when the infrastructure for the customer's credit rating is not established, by requesting a credit rating to the credit rating server, it is possible to easily evaluate the customer's credit.

Claims (14)

Regarding a system for evaluating credit based on financial and credit information of customers through the Internet, A credit rating server that accesses Internet financial related sites and related institutions by using customer's financial information, scrapes credit information, and scores credit scores based on the credit rating server; A plurality of Internet credit information providing servers which allow access of the credit rating server to provide information related to the customer's credit, including bank transactions, credit cards, real estate registration information, and employment insurance information, respectively, through an Internet web page; And Allowing access to the credit rating server and providing information related to the credit of the customer through the VPN, including credit card validity and identity verification information, auto insurance subscription information, life insurance information, and mobile communication payment information, respectively. Credit information provider server of the credit rating system through an interface with the Internet financial related sites and related organizations, including. According to claim 1, The financial information of the customer for the credit rating, Internet finance-related sites, including the customer's name, social security number, credit-related site logon information, bank account information, credit card information, real estate information, insurance information, mobile communication information provided by the agency requesting the credit rating; and Credit rating system through interface with related institutions. The method of claim 1 or 2, wherein the credit rating system, A credit rating system through an interface with an internet financial related site and related institution, further comprising a credit rating request server for transmitting the financial information of the customer through the internet network. According to claim 1, wherein the credit rating server, A customer finance database that stores the financial information of the customer provided from the requesting institution; Credit information, which is matched with each customer stored in the customer financial database, stores credit information obtained from the internet credit information providing server and the credit information providing server that the credit rating server provides credit related information, and stores the evaluation information based thereon. Database; A scraping unit for scraping data output by inputting information into a data field of a web page for outputting credit information based on the financial information of the customer stored in the customer financial database; A scoring unit for assigning a score of credit information by comparing the data read by the scraping unit and data received from a related organization with a predetermined criterion; A credit evaluation unit for evaluating credit according to a predetermined evaluation standard by analyzing the score given by the scoring unit; A VPN unit for inputting / outputting data through a VPN which is an encrypted data input / output method when credit related information is not publicly provided through the Internet; And And a server controller for controlling all of the above functions, and in particular, controlling the scraping unit to scrape information related to credit from the Internet credit information providing server and the Internet credit information agency server. Credit rating system through interface with related institutions. The credit rating system of claim 4, wherein the scraping unit, scoring unit, and credit evaluation unit are all implemented as a computer readable program and stored in a recording medium. . According to claim 1, The Internet credit provider server and credit information provider server, A home page database that stores web page data for displaying a site; A customer information database that stores customer information according to characteristics of a server among credit related information; And Server control unit for receiving the financial information of the customer from the credit rating server and outputs the corresponding credit information of the customer to the credit rating server; including, the homepage database is characterized in that the Internet is provided only on the Internet credit server Credit rating system through interface with financial sites and related institutions. According to claim 6, The credit information provider server, The credit rating system and the data communication, the credit rating system through the interface with the Internet financial-related sites and related institutions, characterized in that the tunnel is formed using an encrypted data input and output method VPN. The method of claim 1 or 4, wherein the VPN, Credit rating system through the interface with the Internet financial related sites and related institutions, characterized in that the dedicated line or socket. The method according to any one of claims 1, 2 and 4 to 7, The financial information input of the customer of the credit rating server encodes and inputs the data into an XML file, and the credit information output of the Internet credit information providing server and the credit information providing agency server outputs the encoded data into an XML file. Credit rating system through interface with internet financial related sites and related institutions. Regarding how to evaluate the credit based on the customer's financial information and credit information through the Internet, (b) selecting an object to be accessed from an internet financial related site or related institution for receiving credit information while storing the obtained financial information in the customer financial database at the server control unit of the credit evaluation server; (c) if the selected subject is a related institution, attempting to connect with the credit information provider server by the server control unit of the credit rating server; (d) forming an encrypted data input / output tunnel with a credit authority by driving a VPN unit that encrypts and inputs and outputs data when a connection is made; (e) if the selected target is a financial-related site, the server control unit of the credit rating server attempting to connect to the internet-related financial site; (f) extracting the financial information of the customer from the customer financial database and inputting it into a data input field of the financial related site when the connection with the internet financial related site or related institution is made; (g) reading customer credit information corresponding to the input data from the customer information database by the server control unit of the internet financial related site or related institution; (h) transmitting customer credit information read by the server control unit of the Internet financial related site or related institution to the credit rating server; And (i) receiving the customer's credit information transmitted by the server control unit of the credit evaluation server and evaluating the customer's credit through scraping and scoring; an interface with an internet financial related site and related institution Credit rating method through. The method of claim 10, wherein step (d) A credit rating method through an interface with an internet financial related site and related institutions, which is connected to a credit related institution through a dedicated line or a socket. The method of claim 10, wherein before step (b), (a) the credit rating server receiving the financial information of the customer provided for the credit rating request from the credit rating request server; credit rating via the interface with the Internet financial related sites and related institutions further comprising: Way. The method of claim 10, wherein step (i) is (i-1) storing, by the server control unit of the credit evaluation server, the customer credit information received through the server connection unit in the credit information database, and controlling the scraping unit to scrape the credit information data necessary for the credit evaluation; (i-2) the server controller controlling the scoring unit to score the scraped information with a score that becomes a standard for credit evaluation according to a predetermined criterion; And (i-3) controlling, by the server controller, the credit evaluation unit to perform a credit evaluation of the customer according to a predetermined criterion from the scored score, and to store the credit evaluation result in the credit information database of the customer; Credit rating method through interface with internet financial related sites and related institutions. The method of claim 10 or 13, wherein after step (i), Controlling the server control unit of the credit rating book and transmitting the credit evaluation result of the customer stored in the credit information database to the credit rating request server; credit evaluation through an interface with an internet financial related site and related institutions further comprising: Way.