KR100796056B1 - System and method for integrated management of credit information - Google Patents

Abstract

A system and a method for integrated management of credit information are provided to minimize the amount of the data by registering only necessary information according to each member company, and an integration cycle. A system(100) for integrated management of credit information comprises an interface(110), a data collection processor(115), a report management module(120), an event management module(125), an alarm manager(135), an user interface(140) and a data base(150). The system is connected to a network(165) through a firewall(160). A plurality of credit information supply companies(171,173,175,177) are connected to the network and provides credit information to the system, and receives a credit information report from the system.

Description

System and Method for Integrated Management of Credit Information

1 is a data structure diagram suitable for use in a centralized management system and method of credit information according to the present invention.

2A and 2B are exemplary diagrams of transmissions transmitted through a centralized management system and method of credit information according to the present invention.

Figure 3 is a block diagram showing the configuration of a central information management system of credit information according to the present invention.

Figure 4 is a block diagram of a central processing unit or computer program that can be used in the centralized credit information central management system or credit information management method according to the present invention as a functional module.

5 is a flowchart illustrating a process of receiving data from a credit information provider and recording the same in a database in the centralized system and method for managing credit information according to the present invention.

6 is a flowchart illustrating a process of creating a credit information report from a database in a centralized system and method for managing credit information according to the present invention.

The present invention relates to a centralized management system and method of credit information, and more particularly, to reduce the data throughput required for collecting, managing, and providing credit information, and to improve the processing efficiency of data according to business division. A central management system and method.

Credit information refers to information necessary for the identification of counterparties, the contents of transactions, creditworthiness, and the ability of credit transactions in commerce such as financial transactions (Article 2 of the Act on the Use and Protection of Credit Information). No. 1). Here, information that can identify the subject of credit information includes information such as name, address, resident registration number, gender, nationality, and occupation in the case of an individual, trade name, corporate registration number, business registration number, head office, and business office in the case of corporations and corporations. Information on the location, date of establishment, purpose and officers is available. Information that can be used to determine the contents of transactions by credit information subjects includes loans, guarantees, secured loans, household checking accounts or checking accounts, credit cards, installment financing, and facility loans. Information may include delinquency, defaults, payments or misconduct on credit orders. On the other hand, information that can determine the creditability of the credit information subjects includes the company's status, sales history, and orders, including the total amount of individual assets, liabilities and income, tax performance, and the history, stocks, or equity holdings of corporations and corporations. This includes business details such as major performance and management contracts, financial matters such as financial statements, auditor's opinions, and tax payments. In addition, the credit information may include court judgment / decision information, delinquent information such as taxes or utility charges, and information on resident registration and corporate registration, which can determine the identity, new use of credit information, and the ability to conduct credit transactions. .

Since such credit information is very sensitive information, there is a limit to the collection or investigation. For example, collection of uncertain personal credit information or collection of personal illnesses without your consent is prohibited. In addition, those who conduct research, inquiry or evaluation of credit information, or those who concentrate and manage credit information, must maintain the accuracy, currentity and fairness of credit information.

Therefore, how to structure, organize and standardize the individual data constituting credit information is very important in the related technical field.

Conventionally, data structures known as "Metro Formats" have been used to collect and manage credit information and to provide aggregated information. Metro Format is one of the universal standards developed and adopted by US credit information companies (e.g., TransUnions, Equifax, Experian, CBC / Innovis). Automated consumer dispute verification and compliance with the law of credit management information.

Credit information reporting systems and methods using this metro format are described, for example, in US Pat. No. 6,988,085, entitled "System and Method for Real-time Electronic Inquiry, Delivery," issued January 17, 2006. and Reporting of Credit Information "). According to the U.S. patent, the Metro format defines codes that report credit criteria for delinquency status, bankruptcy, etc., which are kept for about 30 days and can be downloaded by the appropriate credit bureau. In addition, the client of the credit report can initiate the report procedure by selecting "Credit Bureau Reporting" on the program, whereby the CPU of the central computer decrypts and reformats the data and sends it to the client.

By the way, the collection, management and reporting of credit information according to the conventional metro format has a problem that the data throughput is large and complicated because all the data is contained in one full text. In addition, in the system using the conventional metro format, it is difficult to collect and process data according to the division of tasks, and to add a new task, the entire data structure must be changed. In addition, the conventional metro format is based on compliance with US legislation, which is not suitable for the domestic financial computing environment.

An object of the present invention is to solve the problems of the prior art, and is suitable for the domestic financial computing environment and to reduce the throughput of data required for collecting, managing, and providing credit information.

Another object of the present invention is to make the processing of data faster and more efficient according to the division of tasks, and to easily cope with the addition of new tasks.

The system and method for centralized management of credit information according to the present invention is a system and method for centrally managing credit information necessary for identification of a counterparty, the contents of a transaction, and the determination of the creditability and the ability to deal in a credit transaction. The credit information may include (A) a header and summary of transmission data, (B) a base segment containing primary key value information, (C) a segment for change information, and (D) a segment about establishment information of a credit subject. And (F) segments of credit card subject performance information, and (F) segments of collateral / guarantee information of credit card subjects.

The credit information centralized management system of the present invention is an interface connected to a member company including a credit information provider, and report management to write the credit information data centrally managed by the member company according to the data format and transmit it as a report. Means; In this case, the transmission includes a base segment, which includes a member company code, social security number, and account number data.

According to an embodiment of the present invention, the segment for the change information includes social security number change information and account number change information, and the segment regarding the establishment information of the credit information subject includes a segment regarding personal information and a loan establishment information. Segment, segment about card opening information, segment about guarantee opening information, the segment about performance information of the credit information subject includes segments about overdue / payment information, segments about loan balance information, credit about loan A segment about transaction performance information, a segment about credit transaction performance information about a card, and a segment about cash service transaction performance, and the segment about collateral / guarantee information of the credit information subject includes a segment about collateral information and a guarantor information. Includes a segment about.

The first means also centralizes and manages credit information using the base segment, manages fluctuations in financial information on a per-account basis, and concentrates generation, fluctuation and disappearance of credit information on a per-account basis. On the other hand, the transmission message created by the report management means includes an error segment indicating the type of the corresponding error item when an error occurs, the error segment includes an error response code and an error check bit, the error check bit is You can check if there is an error in the type of data, if there is an error in the code or flag, if there is an error between the columns in the segment, if there is an error between the records in the segment, or if there is an error between the segments. Contains a check bit.

Embodiment

Embodiments of the present invention will be described below with reference to the drawings.

1 is a data structure diagram suitable for use in a centralized management system and method of credit information according to the present invention.

As shown in FIG. 1, the credit information data according to the present invention includes a header 10, a trailer 20, a base segment 30, a base segment 30, an L segment 40, a B segment 60, and a D segment. Segment 70, C segment 80 is composed.

The header 10 and the trailer 20 are composed of a header of the transmission data and a data summary (trailer) as file transmission information. The header 10 may include, for example, record classification, serial number, member company code, file name, reference date, format version information, total number, and filler. Here, the record classification is the identification code of the header record, and the member company code refers to the code of the member company assigned by the operator of the credit information centralization management system of the present invention, and the file name is the code indicating the occurrence / cancellation / modification / deletion / variation + member company. Code + date can be created. In addition, the reference date refers to the date that is the basis of the registration information, the total number refers to the total number of records of the base segment to be transmitted. A filler is a blank field placed at the end of a preamble, which can be used to adjust the length of a record to a specific length or serve as a preliminary field for future additions. Trailer 20 may be composed of record classification, serial number, member company code, file name, reference date, the total number.

The base segment 30 is a segment including basic key value information and includes information for identifying each record of the credit file, such as a member company code, social security number, account number, management number, and warranty number. The base segment 30 must be included and registered for each record.

The L segment 40 includes an L1 segment 42 and an L2 segment 44 as segments for change information. According to an embodiment of the present invention, the social security number change information may be recorded in the L1 segment 42 and the account number change information may be recorded in the L2 segment 44. In this case, the L1 segment should be registered with the base segment 30 using it when registering the individual's changed social security number. The L1 segment 42 must be registered first before being registered with the changed social security number. In addition, the L2 segment 44 is used to register the changed account number and must be registered with the base segment 30. The L2 segment 44 must be registered first before being registered with the changed account number.

The B segment 60 is a segment about the establishment information of the credit information subject and is also referred to as an 'initiation information segment'. B segment 60 is a segment (B1 segment 62) relating to personal information, a segment (B2 segment 64) related to opening information about a loan among credit establishment information, and establishment information about a card among credit establishment information. Segment (B3 segment 66) associated with, segment (B4 segment 68) associated with the establishment information about the guarantee of the credit establishment information. In this case, the B1 segment 62 includes information related to the identity of the credit information subject such as an individual's contact information, address, job information, and annual income, and should be registered with the base segment 30. The B2 segment 64 should include information for determining the contents of a credit transaction regarding a loan of a credit information subject, such as an individual's loan date, contract amount, and maturity date, and include base segment and collateral information (eg, C1 segment). And endorsement information (eg, C2 segment). The B3 segment 66 includes information for determining a credit transaction opening content regarding the credit card subject's card, such as an individual's card opening date, expiration date, and limit, and should be registered with the base segment 30. The B4 segment 68 includes information about the guarantee of the credit information subject such as the individual's guarantee amount, the guarantee limit amount, the guarantee start date, and the guarantee end date, and includes the base segment 30 and the collateral information (eg, the C1 segment). And endorsement information (eg, C2 segment).

The D segment 70 is a segment about the performance information of the credit information subject and is also referred to as a 'performance information segment'. The D segment 70 includes a segment related to delinquent / payment information (D0 segment 72), a segment related to loan balance information (D1 segment 74), and a segment related to credit performance information about the loan (D2 segment ( 76), a segment (D3 segment 78) related to credit transaction performance information about the card, and a segment (D4 segment 79) related to cash service transaction performance. The segment S0 72 contains information related to the delinquency of the credit information subject, such as an individual's delinquency date, the amount of arrears, and should be registered with the base segment 30. The D1 segment 74 includes information for determining a loan balance that fluctuates during a loan transaction in which an individual's transaction type is partial repayment, lump sum repayment, card loan partial repayment, and card loan temporary repayment, and is registered with the base segment 30. Should be. The D2 segment 76 includes information related to the credit transaction performance regarding the loan of the credit information subject, such as an individual's scheduled repayment principle, repayment principle, and overdue amount, and should be registered with the base segment 30. The D3 segment 78 includes information related to the credit transaction performance on the credit card subject's card, such as an individual's limit and the amount used, and should be registered with the base segment 30. The D4 segment includes cash service related information among credit card performance information such as an individual's cash service usage amount, and should be registered with the base segment 30.

The C segment 80 is a segment related to the collateral / guarantee information of the credit information subject and is also referred to as a “collateral / guarantee information segment”. C segment 80 includes C1 segment 82 and C2 segment 84. Collateral information may be recorded in the C1 segment 82 and guarantor information may be recorded in the C2 segment 84. In this case, the C1 segment 82 includes information about the collateral, such as the type of collateral set in the credit transaction of the individual, the valuation amount of the collateral, the set amount of the collateral, the sum of the senior debt amount, and the base segment 30 and the B2 / B4 segment 64. , 68). When the variation of the C1 segment 82 occurs, it must be registered with the B2 / B4 segment due to the reason code variation of the B2 / B4 segment 64 and 68. The C2 segment 84 includes information about the guarantor, such as the amount of guarantee, amount of guarantee limit, type of guarantee, period of guarantee, etc., which are set at the time of the individual's credit transaction, and the base segment 30 and the B2 / B4 segment (64, 68) Can be registered together. When the variation of the C1 segment 82 occurs, it must be registered with the B2 / B4 segment due to the reason code variation of the B2 / B4 segment 64 and 68.

In the segment structure of the present invention, the address, phone number, and work information of the B1 segment correspond to the counterpart identification information, and the D0 segment corresponds to 'credit information', the annual income of the B1 segment, property tax, and the like. Corresponds to the opening / changing / cancellation information of the loan of the B2 segment, opening / changing / cancellation information of the card of the B3 segment, opening / changing / cancellation information of the guarantee of the B4 segment, occurrence / change / delinquency of the delinquency of the D0 segment The release information, the balance change information of the D1 segment, the repayment information of the loan of the D2 segment, the use and payment information of the card of the D3 segment, and the C1 segment and the C2 segment correspond to the 'transaction content information'.

As described with reference to FIG. 1 above, in the present invention, since segments are generated for each task by separating the segments according to the division of tasks, only some segments corresponding to necessary information can be separated and transmitted, and various data can be collected. And it can flexibly cope with data expansion.

For example, as shown in FIG. 2A, when transmitting the establishment information about the loan in the credit information, the header 10, the base segment 30, the B2 segment 64, the C1 segment 82, the C2 segment 84, and the trailer (20) to create a credit information setting information_loan transfer (90) and transmit it. On the other hand, when transmitting the credit transaction performance information related to the loan, as shown in FIG. 2B, the credit transaction record information_loan transmission 92 to the header 10, the base segment 30, the D2 segment 74, and the trailer 20. You can write it and send it.

In the present invention, since the information is concentrated using a base segment including member company code, social security number, and account number information as basic key value information, the generation, change, and disappearance of information can be tracked as soon as possible on an account basis. It is possible to grasp the change in the unit of account and evaluate the credit of the unit of account. On the other hand, in the present invention, all information is concentrated by account unit, and the information about one account is divided and concentrated into different segments, so it is important to maintain consistency between segments.

In addition, the present invention collects excellent information (for example, repayment ability information, the amount of repayment of the loan, the balance, the average amount of money used by each product, billing amount, payment amount) unlike the existing credit information concentration agency There is this.

In addition, in the present invention, by including an error segment in each transmission and reception message, it is possible to accurately indicate the cause of the error when an error occurs, and the type can be displayed for all error items, so it is easy to know what kind of error occurred in which item. Can be. That is, in the present invention, confirmation and processing of errors can be made quickly and accurately. For example, an error segment including an error response code and an error check bit is separately configured for an error occurring in the credit opening / closing transmission statement 90 shown in FIG. 2A, and the error response code and the error check bit are as follows. It can be configured together.

[Table 1] Error response code

code Codename Explanation L101 Format Error In case of format error that is checked by external system (Type, Length error, etc.)-In error check bit, normal is displayed as '0' and error is indicated as '1'. L199 Miscellaneous errors In case of physical or logic error checking through data consistency

[Table 2] Error Check Bits

location Contents value 1st place Record Separation Error 0: Normal 1: Type error 2: Domain error 3: Type, domain error A: Inter-segment column error B: Inter-segment record error C: Inter-segment error D: Type, logic error E: Domain, logic error F: Type, domain, logic error Second digit Serial Number Error 3rd place Member code error 4th place Social Security Number Error 5th place Statement error 6th place Account / Control Number / Warranty Number Error 7th place Filler 8th place Segment Identification Error 9th place Control Point Code Error Tenth digit Management point name error 11th place Reason for registration code error 12th place Reason for registration reason error 13th place Transaction code error 14th place Error Code 15th place Credit Status Error 16th place Collateral Error 17th place Guarantor or Error 18th place Commitment amount error 19th place Loan Date Error 20th place Expiration date error 21st place Termination date error 22nd place Reason for revocation code error 23rd place Group Loan Payment Code Error 24th place Delinquent Loan 25th place Credit recovery support error 26th place Filler 27-51th place Segment Identification Error / Security Serial Number Error / Security Type Code Error / Security Type Code Error / Filter 52-81th place Segment Identification Error / Guarantor's Real Name Number Classification Code Error / Guarantor's Real Name Number Error / Guarantor's Name, Mutual Error / Warranty Amount Error / Warranty Limit Error / Warranty Type Code Error / Warranty Date Error / Warranty Expiration Date Error / Filler 82-91th place Filler

Here, 'type error' refers to an error in the type of data, 'domain error' refers to a code or flag error, and 'type, domain error' refers to a 'segment' when a type and domain error occur at the same time. My cross-column errors' refers to cases where an error occurs between columns.

3 is a block diagram showing the overall structure of the centralized credit information management system according to the present invention.

The centralized credit information management system 100 may include an interface 110, a data collection processor 115, a report management module 120, an event management module 125, an error management unit 130, an alert management unit 135, and a user interface ( 140, a user interface (UI) and a database 150.

The system 100 of the present invention is connected to the network 165 through the firewall 160, a plurality of credit information providers (171, 173, 175, 177) is connected to the network to provide credit information to the system 100 Provide and receive a credit report from the system 100. The credit information providers 171 to 177 include banks, card companies, insurance companies, capitals, installment finance companies, and the like.

The manager 180 may intervene with the error manager 130 and the alert manager 135 through the user interface 140.

4 is a block diagram showing a computer program that can be used in the centralized information management system or credit information central management method according to the present invention as a module for each function, Figure 5 is a credit information in the central information management method of the credit information according to the present invention 6 is a flowchart illustrating a process of receiving data from a provider and recording the same in a database, and FIG. 6 is a flowchart illustrating a process of creating a credit information report from a database in the centralized management method of credit information according to the present invention.

3 to 6 will be described with respect to the operation of the credit information centralized management system according to the present invention and the data processing flow of the credit information centralized management method.

Member company 200 including a plurality of credit information providers (171, 173, 175, 177) through the network 165, firewall 160 through the interface 110 of the system 100 credit information of the member company belonging to When the file for the subject is transmitted (step 202 of FIG. 5), the interface 110 receives it (step 204) and if there is a network error, feeds it back to the member company 200 (step 206 210). If there is no network error, the file format is checked (step 208). If there is no abnormality, the file format is accepted (step 212). If the file received from the member company 200 is a normal file, the data collection processing units 115 and 115a collect this and perform an error check (step 216). If there is an error in the collected data, the error data is sent to the member company 200 (step 218), and if there is no error, the data is stored as normal data (step 220) and stored in the database 150 (step 230). In this process, as described with reference to FIG. 1, the credit information data is divided into a header 10, a trailer 20, a base segment 30, a base segment 30, an L segment 40, a B segment 60, and the like. It consists of the D segment 70 and the C segment 80, and stores it.

On the other hand, when the member company 200 requests the inquiry of credit information, the interface system 110, 100a receives the query for the corresponding data in the database 150 and extracts the information (step 152 of FIG. 6), the report The management module 120, 120a configures data for each segment according to the query to generate a report (step 122), delivers it to the interface system 110, 110a, and finally transmits the report to the member company 200. In this process, for example, when the member company 200 requests a report of 'open information on loan' among credit information, the header 10, the base segment 30, the B2 segment 64, and the C1 segment 82 shown in FIG. ), The C2 segment 84 and the trailer 20 create a report of credit information setting information_loan transmission 90 as a report (step 122) and transmits it to the member company 200.

When an event such as occurrence, change or termination of a loan or card, guarantee or delinquency occurs, the event management module 125 or 125a operates to collect related data, for example, on a daily basis, and damages of the member company 200 due to duplicate transactions. And inconvenience caused by delayed sharing of information. In addition, the event management module may be able to concentrate performance information on a weekly and monthly basis in addition to daily change information.

The present invention can minimize the amount of data because it is possible to register only the necessary information for each member company, concentration cycle by separating the full text for each collection information. In addition, by separating the base segment according to the division of the task to create a segment for each task, it is easy to collect a variety of data and can flexibly respond to the data expansion. In addition, by separating the segments, new sectors such as communication, distribution, and debt collection can be added without affecting the existing member companies, and logical design considering the relationship and concentration cycle of the segments is possible, and a consistent logical structure I can keep it.

In addition, according to the present invention, it is possible to track the generation, change, and disappearance of information on a per-account basis as quickly as possible, and concentrates the information based on the 'member company code + resident number + account number' as a primary key, thereby changing the financial information. It is possible to grasp the account unit and evaluate the credit level of the account unit, and collect the loan, card, guarantee, delinquency, change, and termination on a monthly / weekly / daily basis to block the damage of financial institutions due to duplicate transactions. Personal inconvenience caused by delayed sharing of information can also be minimized. In addition to the daily fluctuation information, it is possible to concentrate the performance information by week and month, so that it is possible to effectively concentrate good information such as usage history and repayment history.

Claims (12)

It is a system that centrally manages the credit information necessary for the identification of the counterparties, the contents of transactions, the creditworthiness, and the ability of credit transactions in commerce. (A) a base segment containing the primary key value information, (c) a segment for change information, (D) a segment about the establishment information of a credit subject, (E) first means for storing and managing data in the form of segments divided into segments relating to performance information of credit subjects, (F) segments relating to collateral / guarantee information of credit subjects; An interface to member companies including credit information providers, And report management means for creating credit information data centrally managed by the member company in a transmission form according to the data format and transmitting the same as a report. A base segment is necessarily included in the transmission, and the base segment includes member company code, social security number, and account number data. In claim 1, The segment for the change information is a centralized management system of credit information, characterized in that it includes social security number change information and account number change information. In claim 1, The segment regarding the establishment information of the credit information subject includes a segment about personal information, a segment about loan opening information, a segment about card opening information, and a segment about guarantee opening information. . In claim 1, Segments regarding the performance information of the credit information subjects include segments about delinquent / payment information, segments about loan balance information, segments about credit transaction performance information about loans, segments about credit transaction performance information about cards, and cash. A centralized management system of credit information, comprising a segment about service transaction performance. In claim 1, And a segment relating to collateral / guarantee information of the credit information subject comprises a segment relating to collateral information and a segment relating to guarantor information. In claim 1, And said first means for centralizing and managing credit information using said base segment. In claim 1, Wherein said first means manages the fluctuation of financial information on an account basis and concentrates the generation, fluctuation and extinction of credit information on an account basis. In claim 1, The transmission message created by the report management means includes an error segment indicating the type of the corresponding error item when an error occurs. In claim 8, Wherein said error segment comprises an error response code and an error check bit. In claim 9, The error check bit is used when there is an error in the type of data, an error in a code or a flag, an error between columns in a segment, an error between records in a segment, an error between segments. Centralized management system of credit information, characterized in that it comprises a check bit that can identify the case. In claim 1, And an event management module for managing generation, change, and termination of credit information including loans, cards, guarantees, and delinquency information of the credit information subjects. As a method of centralizing and managing the credit information necessary for the identification of the counterparties, the contents of transactions, the determination of creditworthiness, and the ability of credit transactions in commerce, The credit information includes (A) a header and summary of transmitted data, (B) a base segment containing primary key value information, (C) a segment for change information, (D) a segment about establishment information of a credit subject, E) segments are stored and managed in the form of data divided into segments of performance information of credit information subjects, and (F) segments of collateral / guarantee information of credit information subjects. In accordance with the request of the member company including the credit information provider, the member company writes the data according to the data format and sends it as a report. A base segment is necessarily included in the transmission, and the base segment includes member company code, social security number, and account number data.

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