KR100710405B1 - Client server type integrated system for managing credit of customer using web scrapping and method using thereof - Google Patents

Abstract

Client server type client credit management integrated system using the web scraping and credit management method using the same according to the present invention is required to manage the account credit from the web page of the credit information company using the client server (Client Sever) -based web scraping technology Account management integrated system for downloading and operating corporate information, credit information, etc., and a credit management method using the same. More specifically, a general company, a paid Internet member for at least one credit information company, is provided to the customer without any additional cost. Customer information, credit information, and customer account information scattered on various web pages, such as account credit records in the company's own groupware, can be downloaded to their client server using scraping technology and used to determine credit rating, Credit limit setting, collateral management, Credit Management System that enables real-time, such as every day to manage a total credit limit setting and related credit management method using the same.

According to the system and method according to the present invention, since the current web base is used as it is, a paid ID purchase member of a credit information company is required at low cost without additional costs such as DB purchase cost by using a separate program development or interface method, installation cost of a dedicated line, etc. The advantage is that you can be informed.

Description

Client server-based client credit management integrated system using web scraping and credit management method using the same {CLIENT SERVER TYPE INTEGRATED SYSTEM FOR MANAGING CREDIT OF CUSTOMER USING WEB SCRAPPING AND METHOD USING THEREOF}

1 is an exemplary view showing a conventional method in which a general company accesses a web page of a credit information company and inquires information, and then inputs it manually into each ERP.

Figure 2 is an exemplary view showing a method of using after scraping and aggregating various information in the integrated customer credit management system according to the present invention,

3a is a block diagram illustrating a schematic configuration of a system according to the present invention;

 Figure 3b is a flow chart showing the entire credit management integration process implemented by the account credit management integration system according to the present invention,

Figure 4 is a flow chart showing the step of aggregating credit information through a search engine of the integrated customer credit management system according to the present invention,

5 is an exemplary view showing a monitoring screen in the customer credit management integrated system according to the present invention,

6 is a flowchart of a conventional method showing a credit rating calculation procedure of a credit information company;

7 is a flowchart showing an RMS processing procedure through an integrated account credit management system according to the present invention;

8 is an exemplary view showing an RMS processing result screen of an integrated account credit management system according to the present invention;

9 is a flow chart showing the procedure of account credit management of ERP in the customer credit management integrated system according to the present invention,

10 is a flowchart showing a procedure for managing delayed days in an integrated customer credit management system according to the present invention;

11 is an exemplary view showing an ERP processing result screen of an integrated account credit management system according to the present invention;

12 is an exemplary view showing a CRM processing result screen of a customer credit management integrated system according to the present invention;

Figure 13 is an exemplary view showing an account information screen in the account credit management integrated system according to the present invention.

Figure 14 is an exemplary view showing a one-click credit rating adjustment table for reflecting historical credit history information (Historic Data) for the customer in accordance with the present invention.

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

10: system server 420: credit limit calculation unit

30: client server 430: credit limit management unit

40: monitoring screen 500: ERP processing module

100: connection module 510: collateral management unit

200: search engine module 520: bill management unit

210: first search engine 530: delayed days management unit

220: second search engine 540: credit balance management

230: third search engine 600: CRM processing module

240: fourth search engine 700: output module

300: transmission module 410: credit rating adjustment unit

400: RMS processing module

The present invention is a client credit management integrated system for downloading and operating corporate information, credit information, etc. necessary for account credit management from the web page of the credit information company using a client server (Client Sever) -based web scraping technology and credit management using the same Method, and more specifically, a general company that is a paid Internet member for at least one credit information company, without paying a separate cost, can access various web pages such as company information about the customer, credit information and account credit history in the company's own groupware. Download the scattered account information to your client server using scraping technology and use it to make credit rating, credit limit setting, collateral management, delay days management, total credit limit setting in real time. Integrated credit management system and credit management method using the same It is about.

Financial institutions and general companies that have all commercial customers should operate their own credit management system for efficient customer bond management.

Currently, domestic 1 financial sectors and some 2 financial sectors have developed their own credit evaluation models for customers and are operating a computerized credit management system. It is used by being supplied as a leased line in the form of DB.

However, most small and medium-sized financial institutions and general companies purchase the paid ID from the credit information company at a low cost through the web method as a cost burden for the leased line as shown in FIG. It is used only as a reference for judgment.

This is because general companies are uncomfortable due to the burden of developing their own credit rating model, corporate information, credit information, DB purchase costs, and dedicated communication circuit costs, and so far, domestic credit information companies cannot directly supply DB to general companies. This is because the company is reluctant to install it.

Accordingly, most companies consider each company's company information, credit information, groupware, and debt management information of the company's own account in ERP separately and use them only as reference data. Operational and debt management systems are being delayed. The following table shows the statistics on DB purchase status of current bank notes and how to provide credit information of domestic credit information companies.

DB purchase status from credit information companies in financial institutions     name of bank   Kookmin bank   Our bank   Samsung Card   Hyundai Card   DB introduction method   DB migration method  DB migration method  User Support Method  User Support Method  Annual DB Purchase Cost    300 million won   200 million won   30 million won   KRW 45 million   Communication circuit fee  1 million won per month  1 million won per month  600,000 won per month  600,000 won per month

Source: Korea Enterprise Data Co., Ltd.

Looking at the conventional technology in more detail through Figure 1, the company enters the ID or PW on the credit information company web page, enter the company name or business number of the customer and search and find the entire credit report of the company to read or It takes a lot of time to print and investigate the necessary data, and in order to store the information in its own DB and use it as self-assessment data, it is necessary to re-enter the searched data manually into the credit management system or Excel sheet. Most users end up with a case-by-case inquiry.

As a result, information is only used when necessary, such as a review of new customers, or it is used as an auxiliary data only in important credit decision-making processes, such as determining whether to continue trading and setting up the size of credit transactions.

In addition, since the credit information company has no choice but to select a web method in order to provide a large amount of data to a large number of member companies in real time, it cannot provide a credit management solution such as an RMS solution in connection with internal information of the member company.

Except for some large domestic companies, general companies do not have internal audit standards or regulations for credit management, such as calculating credit ratings for customers and setting up credit limit management, and some large companies with audit standards or regulations have their own credit evaluation models. Most of them depend on manual work with Excel sheets.

This is because the procedures such as the advancement of RMS system development and DB purchase from credit information companies are complicated and costly.

Some pharmaceutical companies and large companies choose the interface method to execute the RMS after receiving the DB from the credit information company through a dedicated line and storing it on its own server, but this is limited to a few companies.

As described above, the conventional credit information processing method has the following problems.

① In case of inquiring from the web, it should be inquired on a case-by-case basis, so that the inquired information and the account management information, which is the company's own information, exist separately and are not mutually connected.

② Even if the user wants to purchase and use DB through interface method, it is difficult to develop credit rating model due to lack of self-statistics and lack of expertise, and there is no profit due to the increase of DB purchase cost and burden of leased line maintenance. It's not available to most businesses,

③ Although some credit information companies have provided RMS for interested companies through ASP (Application System Program) method, most general companies lack expertise to operate RMS with ASP method and have a lot of data to download. Not only did it take time, but it also failed in the market because it could not be linked with customer account receivable management system ERP.

④ Also, there is a problem that the credit information company cannot provide various credit management solution services such as RMS to the user company by using the web method as the information providing method. Accordingly, the conventional credit information providing method is satisfactory to the general companies. It can not be said that it is part of the information providing method to operate the client credit management system.

Of course, a search for a domestic patent publication discloses a number of credit information management systems and methods using the same, and there are some registered cases. For example, Korean Patent No. 368921, "Method of providing credit information management service using the Internet." Likewise, it was only to provide a personal use environment that can conveniently receive credit information through wired and wireless communication, and it was insufficient to present a system that efficiently manages customers who have various and complicated credit relationships.

The present invention has been made in order to overcome the above problems, the general company to pay attention to the use of the company ID, the credit information provided by the credit information company to subscribe to the Web ID paid member, to access the paid ID After using the search engine's scraping technology without the case-by-case inquiry, only the necessary information can be instantaneously downloaded to the present invention of the client server method, and the bond management information in the company's own ERP can be viewed using the search engine's scraping technology. The main purpose of the invention is to download and to interlock at the same time to ensure the ease of use of the system and various monitoring conditions.

 The other object of the present invention is to adjust the credit rating evaluated by the credit rating company by the credit rating adjustment program developed by itself, and then combine it with the RMS by setting credit limits and calculating the amount of credits provided, and new customer credit management ERP. It is to provide a way to operate simultaneously.

A further object of the present invention is to introduce a user-based client server method, unlike the conventional web method, which is simultaneously operated with various solution services, and detailed credit transaction information of the customers in the company's own ERP is not exposed to the outside. In this way, it is possible to secure various functions in performing credit management tasks such as no hacking concern.

In order to achieve the above object, the client server system credit management integrated system using the web scraping according to the present invention, grasp the member information connected to the system server 10 through the client server 30 and at least one search; A connection module 100 for accessing respective web pages 21 and 22 and the ERP groupware 23 and the management server 24 matched by the engines 210, 220, 230, and 240; At least four search engines 210, 220, 230, and 240 are provided, each of which is required by web scraping through each web page 21, 22, ERP groupware 23, and management server 24 that are matched by the search engines 210, 220, 230, and 240. A search engine module 200 for extracting corporate information, financial information, account receivables management information, credit information, and credit rating information; A transmission module 300 for transmitting the information by the search engine module 200 to the client server 30; An RMS processing module 400 for calculating new credit rating information through various information received from the transmission module 300 in a calculation method based on the credit rating adjustment table 415; An ERP processing module 500 for calculating credit management information by comparing the trade receivables management information among the information collected by the search engine 230 and the new credit rating information transmitted from the RMS processing module 400; CRM processing module 600 for performing a CRM function in connection with the account representative list server 50 and the account sales management server 60 through the credit management information received from the ERP processing module 500; And an output module 700 for storing and outputting the processing result.

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

3 (a) is a block diagram showing a schematic configuration of a system according to the present invention.

As can be seen from Figure 3 (a), the configuration of the system according to the present invention is largely connected to the connection module 100, search engine module 200, transmission module 300, RMS processing module 400, ERP processing module ( 500), the CRM processing module 600, and the output module 700.

   The access module 100 accesses the system server 10 provided with an execution interface, a source program or a required database through a program (executable file) for implementing a system according to the present invention pre-installed on the client server 30 to register a member. After determining whether or not thereafter, each search engine 210, 220, 230, and 240 in the search engine module 200 is associated with each search engine module 200, and possesses a web page 21, 22 and a system administrator of the credit information company. The ERP groupware 23 and other management server 24 in the system server 10 are connected to each other.

   The search engine module 200 is composed of at least four search engines, for example, four or five search engines. Most preferably, the search engine module 200 includes first to first accesses to respective web pages 21 and 22 of two credit information companies. 2 The search engines 210 and 220, the third search engine 230 connected to the ERP groupware 23, and the fourth search engine 240 connected to the other management server 24 containing other information are included in each component. do. Each of the search engines 210, 220, 230, and 240 functions to search and collect necessary information by web scraping methods from the web pages 21, 22, ERP groupware 24, and the management server 24 of the credit company that is the target of each connection. Do this.

   The transmission module 300 is responsible for transmitting the information retrieved from the search engine module 200 to the client server 30 of the member in real time.

   The program installed in the client server 300 of the member for the implementation of the present invention again includes an RMS processing module 400, ERP processing module 500, CRM processing module 600, output module 700.

   The RMS processing module 400 is based on various credit information received from the transmission module 300 through the credit adjustment rating adjustment unit 410, credit limit calculation unit 420, credit limit management unit 430, etc. Regenerate and calculate a new credit limit through this, and transmits the credit limit to the ERP processing module 500 below. In other words, the RMS processing module 400 uses the conventional credit limit, but is responsible for the main function of generating accurate and reliable new credit information of the characteristics of the present invention.

   The ERP processing module 500 includes a security manager 510, a bill manager 520, and a credit balance manager 540, which are provided in detail in the conventional ERP system, and additionally include a delayed days manager 530. Of the information received from the transfer module 300, credit management, delayed date processing, credit management schedule recording / management in consideration of the account management information and credit limit information of the RMS processing module 400, etc. Do this.

   Next, the CRM processing module 600 is processed in connection with the account representative list server 50 and the account sales management server 60 through information such as the processing date received from the required module such as the ERP processing module 500. It is responsible for managing various CRM processes such as date management, sending documents to customers and sending SMS.

   Finally, the output module 700 is configured to output the monitoring data obtained through the function of each module and to store it in the client server 30 to retrieve when necessary.

The function of each module (100,200,300,400,0500,600,700) and sub-modules (parts) in the module according to the present invention is further specified by a credit management method using the system of the present invention to be described later.

Figure 2 is an exemplary view showing a method of using after scraping and aggregating various information in the integrated customer credit management system according to the present invention, Figure 3 (b) is implemented by the integrated customer credit management system according to the present invention Is a flowchart showing the entire credit management integration process.

As can be seen from Figures 2 to 3 (b), the credit management method using the system according to the present invention is connected to the member registration and system server 10 to determine whether or not the user when the user connects from the client server 30 The first and second search engines 210 and 220 automatically access the web pages 21 and 22 of the pre-purchased credit information company of the user after the member approval, and also the ERP groupware 23 in the system server 10. The third search engine 230 automatically connects to the second search engine 230, and then the fourth search engine 240 automatically connects to the other management server 24; Next, each of the four search engines 210, 220, 230, and 240 operates to provide the necessary corporate information (company identification information: company name, representative name, business name, etc.) and financial information (sales, net income, credit rating, debt ratio, cash). Search engine module (200) that receives the flow rating, interest compensation ratio, borrowing dependence, etc., and customer account receivable management information (credit transaction amount, accumulated amount of previous month, current monthly bill, current monthly balance, current month balance, etc.) and sends them to client server 30 (200). Search step and transmission step of the transmission module 300; Next, the credit rating adjustment unit 410 is added by the credit rating adjustment table 415 according to the present invention by adding a credit rating obtained from the web page 21, 22 of the credit information company by the scraping method and the credit transaction data (Historic Data). RMS (Risk Management System) processing step of calculating / generating an adjustment score and calculating new adjustment credit rating information based on the adjustment score, and calculating net credit limit information by the credit limit calculation unit 420 for each credit rating. ; Next, among the extracted information received by scraping through the third search engine 230, the client credit management information (collateral management information, delayed days management information, receivables management information, etc.) and the net credit limit received from the RMS processing module 400 Credit management step to generate credit management information such as total credit limit, additional credit amount, credit limit use ratio by analyzing the information, delay date management step to automatically calculate delay days, and processing date management to record / manage credit management schedule ERP processing step consisting of the steps, and then automatically handles a variety of customer relationship management tasks, such as schedule management, such as document sending, email transmission, dunning SMS sending, accounting anniversary, etc. It consists of CRM (Customer Relation Management) processing step. Finally, it prints out various kinds of related information and client It consists of; stored in the server 30 to the output stage of the output module 700 can search / output as necessary. Hereinafter, each step will be described in detail.

1) connection stage

4 is a flowchart showing the steps of aggregating credit information through the search engines 210, 220, 230, and 240 of the integrated customer credit management system according to the present invention. Specifically, the execution file of the present invention is operated from the system server 10 according to the present invention. Access to the paid web pages 21, 22 and ERP groupware 23 of the system server 10, and other management servers 24 that the search engines 210, 220, 230, and 240 have subscribed to. It is.

First, members of the company, such as when the user clicks an icon on the desktop of the PC that is based on their client server 30 automatically executes the executable file prepared in the system according to the present invention and check whether the executable file is the latest version and recently If not the version is to upgrade the executable file from the system server 10 with the source program according to the present invention. In the latest version, the user is logged in with the ID and PW given to them, and at the same time, the search engines 210, 220, 230, and 240 according to the present invention purchase the paid IDs of the companies, and the web pages 21 and 22 of the various credit information companies. Connect to the back at the same time. The company can import the scraped information at the same time by registering it with a list of pre-registered customers or by registering the business number of an individual company if necessary. At this time, if a member of the company or the like answers the daily update of the registered transaction processing list, the system server 10 equipped with the source program is the most loose considering the server load of the credit information company. By accessing the time zone, the information can be received in advance by the client server 30 of the member.

2-1) Search and Transfer Steps: Import Necessary Information from Credit Information Company

The first search engine 210 is a web page 21 of the credit information company 1, specifically from the corporate information screen, the general information such as the address and representative names of a number of business partners, sales, total assets, net income, debt ratio, and credit. Only some financial information such as grade is extracted by scraping method.

Scraping refers to a web technology that combines various contents and services scattered on the Internet into one and reconfigures them into a customer-oriented integrated screen. In other words, the scraping technology is an Internet technology in which HTTP and TCP / IP protocols and the Internet / Web technology, encryption / decryption technology and digital authentication technology, client programming technology, and telecommunication processing technology are combined with each other.

The first search engine 210 imports various credit information such as default or non-payment by business number and representative resident number of multiple customers on the credit information screen in the web page 21 of the credit information company 1 in a Y and N manner. By instantaneous display on the member's monitoring screen 40 through 300, the member always monitors whether the customer defaults.

In addition, the second search engine 220 obtains the credit rating and the credit score of the individual operator from the web page 22 provided by the credit information company 2 to the member's monitoring screen 24 in real time through the transmission module 300. It displays and monitors the credit ratings and scores of not only individual representatives of all corporations but also individual business type representatives.

That is, through the search engine of the search module 200, it is possible to monitor all kinds of credit information such as financial status and credit rating status for the customer at all times. Such a monitoring screen 24 is well illustrated in FIGS. 5 and 13. .

Referring to FIG. 5, the monitoring screen 24 displays a statistics table picture view, a monitoring aggregate table, a search (with various search functions), a data download (NO), a print icon attached, various additional functions, and an auxiliary function icon displayed. In this monitoring step, additionally register the company (registration, modification, deletion, batch registration, uploading Excel data, case-by-case registration), roster search (search, business number, trade name, representative name), registration of the account book ( It is possible to register a large amount as an individual or an Excel sheet), and has a list of accounts management window that can perform a list of accounts stored in the system server 10 with a source program.

2-2) Retrieval and Transmission: Importing Accounts Receivables from Client ERP (Groupware)

Enterprise Resource Planning (ERP) is an enterprise-wide resource management that is an integrated application that helps businesses work in the areas of accounting, human resources, finance, and more, including production, purchasing, inventory, and ordering. It is a software that is composed of several modules, and it is widely used because it has the advantage that it can increase the efficiency of most corporate tasks.

Specifically, the third search engine 230 obtains the necessary information of the customer bond management information from the ERP groupware 23 in any one of the company itself DB or the system server 10 in a scraping manner, and the client server 30 of the member. The account receivable management information of the customer in the system server or the ERP (Enterprise Resource Planning) database-groupware, etc. in each business relation website). 230, bringing together all the company information, credit information, representative personal credit rating, credit score, bond management information of one company to form a single integrated information, all the instantaneous companies by the third search engine 230 Information is accumulated / extracted.

  In the present invention, the method for extracting the necessary credit information from the ERP groupware is more preferable to provide an ERP groupware using environment in advance in order to have excellent compatibility with various ERP groupware types of company features. To do this, first of all, the most commonly used program, Excel, is used when a user creates an ERP database in ERP groupware in the form of Excel provided in advance and calls it as a Create Object object and stores it in a local database.

  Next, the user who has been provided with a form to web-enable ERP's database in advance can convert the ABAP program into a web program using the middleware Web Studio to integrate with the web in SAP by using Internet Transaction Server (ITS). Giving or using BSP, use 3rd party solution using WAS or other WAS such as web sphere or Jrun to build environment by linking with SAP.

   Finally, you can use the method of interlocking data by directly calling RFC (Remote Function Call) written in ERP groupware.

2-3) Search and Send Steps: Get Other Information

 According to the present invention, various other information such as interbill interest rate information (bill discount rate information, account personnel identification information, etc.) and customer bond management information that the credit information company cannot provide, etc., are managed on the other management server 24 having its own ERP database. By connecting, extracting, and transmitting to the client server 30 of the member, there is no problem in having a function as an integrated system of the present invention.

3) RMS {Risk Management System (or solution)} processing step

   7 illustrates a procedure and method of a risk management system (RMS), and FIG. 8 illustrates a monitoring screen for the RMS processing result.

In general, RMS (Risk Management System) in the credit management system is used to calculate the specific credit rating or credit limit of the customer when processing / managing credit information to integrate the risk factors of credit management. It refers to a process or application for managing and grasping.

Currently, credit ratings provided by credit information companies are calculated based on a credit rating model developed by a large number of populations and scientific statistical models, and thus, most reliable ratings are provided at all times.

Therefore, it is worth noting that the user develops and uses the credit rating model separately, so that the credit rating of the credit information company can be used as it is.

However, the credit rating model of the conventional credit information company is perfect in the financial model and the quantitative non-financial model, as shown in FIG. 6, but the net non-financial item is the evaluation item of the investigator and the credit transaction between the client and the client company. Records are not being reflected.

Accordingly, in the present invention, by the credit rating adjustment unit 410 that performs a precise evaluation based on the evaluation adjustment table, that is, the credit rating adjustment table 415 reflecting the credit transaction record with the corresponding client based on the credit rating provided by the credit information company. By calculating a new adjustment score and then calculating a new adjustment evaluation rating, it is possible to obtain reliability and practicality at the same time.

Credit Rating Table as the Basis for Ratings in the RMS Processing Module Credit integrity Rating score Delinquent days in last 2 years Late payments in last 2 years Great 5 0 0 Good 4 Within 5 days One usually 3 Within 10 days 2 Below average 2 Within 10-20 days 3 ~ 4 times Bad One 20 days or more 5 or more times Credit Stability Rating score Credit transaction period Credit Transaction Scale Great 5 More than 5 years Less than 0.50 times Good 4 Less than 3 to 5 years Less than 0.50 times-1.0 times usually 3 2 to 3 years Less than 1.0 times-1.25 times Below average 2 Less than 1 to 2 years 1.25 times-less than 1.50 times Bad One Less than 1 year 1.50 times or more Even if we contribute Rating score Our growth rate Dependence of our trading Great 5 3 years or older More than 70% of purchase quantity Good 4 2 years or more 50% or more of purchase usually 3 Previous year's level 30% or more of purchase Below average 2 Below level of previous year 30% or less of purchase quantity Bad One Over 3 years 10% or less of purchase quantity Payment Terms Rating score Payment method and period If you receive a draft Great 5 Cash within 45 days Investment Qualification Grade (Corporate Bonds / Corporate Bills) Good 4 2 months bill Listed corporations within the 200th in the subcontracting ranking usually 3 3 months bill Listed corporation or contractor within 200 Below average 2 4 months bill Registration / Outside Corporation Bad One 5 months or more Etc Main seller stability Rating score Main Sales Credit Rating Type of Sales Office Great 5 Cretop Credit Rating BBB- and above Listed company.KOSDAQ Good 4 Cretop Credit Rating BB- and above External subsidiary (over 30 billion assets) usually 3 Cretop Credit Grade B- or higher External subsidiary (over 7 billion assets) Below average 2 Cretop Credit Rating CCC + and below Non-Outsourcing Corporation Bad One Cretop Credit Grade D or below Private Business Insolvency Deduction Items Point item Real Estate Registration History Corporate bond A or higher Commercial paper A2 or above Recent malicious rumors Bonds BBB- ~ A- Commercial paper A3- ~ A2- Request extension of notes Interville interest rate less than 0.45%-0.7% Insolvency of affiliated company Interbill interest rate more than 0.7%-less than 0.95% Representative credit Rating score Representative Individual  CB Score Very good 4 800 ~ 1,000 points Good 3 600 or more ~ less than 800 points usually 2 400 or more ~ less than 600 points Bad One 200 or more ~ less than 400 points Very bad One 0 ~ 200 points

Specifically, the credit limit according to the credit rating is set in advance, and the credit data of the company (customer) itself is directly input or downloaded from the management server 24 and the ERP groupware 23, and then credited. Credit rating adjuster based on credit rating adjustment table (415) designed to adjust credit rating with one-click reflecting historical data and representative's CB Score The adjustment score is calculated by the calculation process, and the new credit rating is calculated by readjusting the credit rating received from the web pages 21 and 22 of the credit information companies 1 and 2. Next, the credit limit information of the corporation or individual business operator is applied by applying the adjustment level to the credit limit information calculated by the credit limit management unit 430 according to the group of business entities (classified as a large company, small and medium business group, industrial goods group, consumer goods group, etc.) Credit transaction limit information is calculated according to the processing of the limit calculation unit 420.

In this way, credit limit information for each customer according to the new credit rating of the credit management method itself according to the present invention is generated / calculated.

4) Enterprise Resource Planning (ERP) Processing Steps

9 is a comparison of the normal receivables management information with the normal credit amount among the information collected by the third search engine 23 in the ERP groupware 23 having an internal ERP database in the member company (client) system server 10, etc. The procedure for calculating the creditable amount is shown, and FIG. 11 illustrates this ERP processing step.

Specifically, the collateral management unit 510 of the ERP processing module adds the collateral valuation amount and the collateral charge amount queried by the third search engine 230 to calculate the normal credit amount information.

In addition, additional credit is provided by comparing the total amount of credit balances (normal credit) received from the RMS processing module 400 with the total balance of trade receivables calculated by adding the credit balances of the current month and the non-issued tax invoice after shipment. Calculate available amount and credit shortage and calculate additional creditable amount by considering items such as discretionary credit. The note manager 520 to the credit balance manager 540 perform a function of providing and arranging information necessary for generating such credit management information. Specifically, the credit balance management unit compares the normal credit information received from the credit limit calculation unit 430 of the RMS processing module 400 with the limit target trade receivable information calculated by the note management unit 520. 540 calculates in real time.

       10 shows a processing procedure of day management in the delay days management unit 530 of the ERP processing module 500 according to the present invention.

Specifically, when the third search engine 230 transmits the information on the date of issue of the tax invoice to the delayed days management unit 530, the settlement date is added by adding the number of credit contract days, and the search date and today's date Is automatically compared and the payment delay days are automatically calculated, through which the payment delay companies can be listed. In addition, it automatically calculates credit shortage trading companies and credit delay companies, and performs processing decisions according to predetermined rules such as normal trading, management companies, and transaction suspensions according to the present invention. Other necessary date management can be integrated by entering the date of sending, the date of closing of the transaction, the date of processing the credit, requesting the collection of debts, etc.).

Delayed days management unit 530 may also further include a processing date management function to ensure consistent processing of lawsuits, such as longest shipping, debt collection, seizure, disposable, auction.

5) CRM processing steps

12 is an exemplary view showing a CRM processing result screen of an integrated customer credit management system according to the present invention.

CRM (Customer Relationship Management) refers to a process of planning, supporting, and evaluating marketing activities based on customer characteristics by analyzing and integrating internal and external data of a company related to a customer. It can handle various additional functions such as sending various documents (dunning letters, peak letters, etc.) to the unsuccessful companies, printing and attaching documents such as collection notices, sending them by e-mail, sending them by fax, and sending text messages. In addition, customer contact management (department name, name, phone number, mobile phone number, e-mail, address) function and the company's anniversary date management function window is provided, so that CRM can be conveniently processed.

In addition, the post-management contact person (department name, phone, job title, name, email, mobile phone) of the system administrator according to the present invention, open the bond management web dark, apply for property investigation, note with the person in charge, open and download the bond management data book In addition to the online credit management training and offline bond management training, an additional function of 1: 1 personalized credit consulting has been added.

6) Monitoring step

Each step described above is displayed / monitored on the member's monitoring screen 24. Specifically, the RMS items, credit management items, and bond management items for all accounts calculated / displayed in the above-described steps are displayed on the monitoring screen 24. Each chapter / category is displayed in a list method, so that all customers can be monitored in a list method, and the entire staff can automatically handle the work.

7) Printing / Saving Credit Report

The results calculated from all the above procedures and functions provided by the present invention can be summarized into a single page and stored in the internal DB of the company.

Table 4 summarizes the details of the functions and procedures performed by the system according to the present invention. The program used in the system according to the present invention can be commercialized using Visual Basic.

Data generation, upload, input, configuration of calculation items for the system according to the present invention Auto generation Creation Information Last update date, registration date, renewal date input Identification Information company Management number, company name, business number, related department Download Credit Information Search engine Credit rating (previous, change direction, present), CRS (previous, change direction, present), default information (Y.N) Company Information Search engine Sales, Net Income, Debt Ratio, Cash Flow Rating, Borrowings ERP Search engine Monthly collections, new monthly sales, monthly collections, monthly collections, down payments, collateral evaluations, unissued amount, drafts, expiration date, delayed amount, embroidery amount, and received amount Calculation RMS Net non-financial grade adjustment grade, comprehensive adjustment grade, credit limit amount, total credit limit amount, excess amount limit input CRM company List of contact person by company (company name, name, job title, representative phone, direct phone, contact person's office address, zip code mobile phone, email, anniversary) Registration (creation date creation, modification, deletion) (SMS, voice, fax, e-mail, establishment date, anniversary) Download Interville Interest Rates Management Server Interville interest rate DB stored in C2R own server This week Interville interest rate, Jeonju Interville interest rate calculation: Absolute value (compared to industry average, overall average), fluctuation rate (comparison comparison rate, Jeonju comparison rate)

In summary, the system according to the present invention combines the credit information company's corporate information, credit information and account management account information in the company's own ERP groupware, such as accounts, and based on this RMS for processing credit management for the operation account In addition to enabling processing steps in real time on the client server, it also has an integrated feature that enables CRM (customer relationship management) in terms of credit management for customers.

As described so far, although the configuration and operation of the client server integrated client credit management integrated system using the scraping and the credit management method using the same according to the present invention has been described in the above description and drawings, this is merely described as an example and the present invention. The spirit of the present invention is not limited to the above description and drawings, and various changes and modifications are possible without departing from the technical spirit of the present invention.

As described above, according to the integrated client credit management system of the client server method using the web scraping and credit management method using the same according to the present invention,

1) As it uses the current web-based system, the paid ID purchasing member of the credit information company can receive the necessary information at low cost without additional costs such as DB program cost by using a separate program development or interface method and installation of a dedicated line. And 2) the use of scraping technology allows the user to select and use only the necessary information at the moment.

 3) Since it is a client server method, there is no risk of leaking or hacking of various data about the company's own customers built on ERP.

 4) Also, because it is a client server method, various credit information companies (Corporate credit information: CRETOP of Korea Enterprise Data Co., Ltd./CB information of the individual who represents the account, etc. CB information: Credit & Note of D & B Korea / Discount rate: In addition to the convenience of users to select the information of the Interville interest rate), it also has the advantage of using various CRM functions for the customer,

 5) It is convenient for non-professional users to use their own credit data based on the credit ratings of existing credit information companies, without having to develop a credit rating model for the company's own customers.

 6) One-stop service for comprehensive account credit management is possible by integrating existing information inquiry, RMS, ERP, and CRM functions, and each company can learn advanced account credit management techniques, RMS solutions and processes. Has an effect.

Claims (10)

Client server type client credit management integrated system using web scraping, The member information connected to the system server 10 through the client server 30 is identified and each web page 21, 22, ERP groupware 23, and management server matched by at least one search engine 210, 220, 230, or 240. A connection module (100) for connecting to (24); At least four search engines 210, 220, 230, and 240 are provided, each of which is required by web scraping through each web page 21, 22, ERP groupware 23, and management server 24 that are matched by the search engines 210, 220, 230, and 240. A search engine module 200 for extracting corporate information, financial information, account receivables management information, credit information, and credit rating information; A transmission module 300 for transmitting the information by the search engine module 200 to the client server 30; An RMS processing module 400 for calculating new credit rating information based on various pieces of information received from the transmission module 300 based on the credit rating adjustment table 415; An ERP processing module 500 for calculating credit management information by comparing the trade receivables management information among the information collected by the search engine 230 and the new credit rating information transmitted from the RMS processing module 400;  CRM processing module 600 for performing a CRM function in connection with the account representative list server 50 and the account sales management server 60 through the credit management information received from the ERP processing module 500; And an output module (700) for storing and outputting processing results. The method of claim 1, The search engine is a third search engine having a purpose of accessing the first and second search engines 210 and 220 and the ERP groupware 23 for the purpose of accessing web pages 21 and 22 of at least two credit companies, respectively. 230, a fourth search engine 240 for the purpose of connecting to the other management server (24), customer credit management integrated system. As a credit management method using the system according to claim 1, After the member verification, the first and second search engines 210 and 220 automatically access the web pages 21 and 22 of the pre-purchased credit information company of the user, and the third search engine 230 is connected to the ERP groupware 23. An automatic connection step, wherein the fourth search engine 240 automatically connects to the management server; A search step for each of the four search engines (210, 220, 230, 240) searching for and extracting necessary corporate information, financial information, account receivable management information, credit information, and credit rating information by a web scraping method; A transmission step of transmitting and storing the search information to a client server (30); A RMS management system (RMS) processing step of calculating new credit rating information based on the credit rating adjustment table 415 based on various pieces of information received from the transmission step; ERP processing step consisting of credit management information for generating credit management information for calculating the total credit limit, additional credit amount, credit limit use ratio information by analyzing the customer bond management information and the information received in the RMS processing step of the search information; ; CRM (Customer Relation Management) processing step of automatically processing document sending, email transmission, dunning SMS sending, schedule management, etc. for various bond management through the credit management information received in the ERP processing step;  And an output step of searching / outputting the result of the processing step if necessary. The method of claim 3, wherein And a monitoring step of providing the processing results of the RMS processing step, the ERP processing step, and the CRM processing step together with the corporate information, the financial information, and the account receivable management information extracted in the searching step on the monitoring screen of the client server. Credit management method. The method of claim 4, wherein The monitoring step, The account management method, characterized in that it further comprises; account registration step, account list search step, registration of the account list step, account list listing step. The method of claim 3, wherein Credit management step of the ERP processing step, Calculating the normal credit amount information by adding the collateral valuation amount and the collateral refund value information among the credit information searched by the third search engine 230; Comparing the total amount of credit limit and the current month's credit balance among the information received in the RMS processing step, the total amount of trade receivables balance information calculated by adding the information of the non-issued tax invoice after shipping, Calculating additional credit provision amount, credit shortage amount and credit balance ratio information through the comparison; Computing additional credit amount information in consideration of discretionary credit item; Credit management method, characterized in that consisting of. delete delete delete delete

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