KR100832781B1 - Method for Evaluating Credit Rating of Game Companyor Game Publisher and Credit Rating Evaluating Server - Google Patents

Abstract

The present invention relates to a game company (or game publishing company) credit rating method and a credit rating engine, the game company (or game publishing company) credit rating method according to the present invention, a predetermined information receiving means Member information including at least one of the total number of members, paid membership, free membership for at least one or more games operated by the credit rating evaluation target game company (or game publishing company) from the terminal, a flat fee charging method for the game, At least one billing method information including at least one billing method per connection, a billing method per access time, and at least one game access information including at least one game access number and access time of the member during the predetermined period. Receiving game operation parameter information, and predetermined evaluation item setting means Setting at least one credit rating evaluation item for evaluating a credit rating (or loan rating) of the game company (or game publishing company) of the game operation parameter information through an administrator terminal, and predetermined cash flow analysis means; The game company (or game publishing company) according to the game operation from the time of development and / or beta testing of the game to the present by analyzing the member information, the charging method information and the game access information included in the credit rating evaluation item in the Generating cash flow analysis information of the; and calculating credit rating information for the game company (or game publishing company) by scoring the cash flow analysis information in a predetermined credit rating calculation means.

Game company, credit rating, evaluation

Description

Method for Evaluating Credit Rating of Game Company (or Game Publisher) and Credit Rating Evaluating Server}

1 is a diagram illustrating an information registration system for evaluating a credit rating of a game company according to an exemplary embodiment of the present invention.

2 is a diagram illustrating a game operation parameter information configuration for evaluating a game company's credit rating according to an embodiment of the present invention.

3 is a diagram illustrating an information registration process for credit rating evaluation of a game company according to an embodiment of the present invention.

4 is a diagram illustrating a game company credit rating system for game company credit rating according to an embodiment of the present invention.

5 is a diagram illustrating a process of setting up a credit rating evaluation item for rating a game company according to an embodiment of the present invention.

6 is a diagram illustrating a credit rating evaluation process of a game company according to an embodiment of the present invention.

<Description of main parts of drawing>

400: credit rating server 405: interface unit

410: information extraction unit 415: interface providing unit

420: information receiving unit 425: evaluation item setting unit

430: credit rating engine 435: corporate information analysis

440: financial statement analysis unit 445: cash flow analysis unit

450: credit rating calculation unit 455: information storage unit

460: Credit Rating D / B

The present invention is a member including at least one or more of the total number of members, paid membership, free membership for at least one or more games operated by the credit rating evaluation target game company (or game publishing company) from a predetermined terminal in a predetermined information receiving means; At least one billing method information including at least one of information, a flat rate billing method, a billing method per connection, a billing method per access time, and at least one game access number and access time of the member during the predetermined period. Receiving game operation parameter information including at least one game connection information including; and the game management parameter information of the game company (or game publishing company) of the game operation parameter information through a predetermined administrator terminal in a predetermined evaluation item setting means; At least one credit to evaluate the credit rating (or loan rating) Setting a rating item, and analyzing the member information, the charging method information, and the game access information included in the credit rating item in a predetermined cash flow analysis means, from the time of development and / or beta testing of the game. Generating cash flow analysis information of the game company (or game publishing company) according to the game operation, and scoring the cash flow analysis information by a predetermined credit rating calculation means to the game company (or game publishing company) It relates to a game company (or game publishing company) credit rating method comprising the step of calculating the credit rating information for.

In general, when a corporation requests a loan to a financial institution, the financial institution receives financial statement information from the corporation, and based on this, the investment assets of the company (e.g., real estate for investment purposes, stocks, bonds, commerce, etc.) Bills, CDs, etc.) and / or tangible assets (eg, factories, land, buildings, machinery, etc.) and / or intangible assets (eg, legal rights such as goodwill, patents, utility model rights, design rights, underground rights, mining rights), etc. After checking the credit rating (or loan rating) and / or balance sheet and / or income statement of the company, the loan is executed according to the credit rating (or loan rating).

However, in the case of a special enterprise such as a game developer and / or game publishing company with no such assets, the investment and / or tangible assets (eg, factory) may be applied by applying the credit rating (or loan rating) method of the conventional company. , Credit, land, buildings, machinery, etc.) and / or intangible assets (eg, legal rights such as goodwill, patents, utility model rights, design rights, underground rights, mining rights) Ratings (or loan ratings) can only be significantly lower than manufacturing of the same size, and consequently, the credit rating (or loan rating) ratings of conventional companies can be applied to specialized companies such as game developers and / or game publishing companies. There is no problem.

An object of the present invention for solving the above problems, includes at least one or more member information, billing method information, game access information for at least one or more games operated by a predetermined credit rating evaluation target game company (or game publishing company) Game company (or game publishing company) information including at least one or more game operation parameter information, company information about the game company (or game publishing company) and stock listing information, and the game company (or game publishing company) The credit rating (or loan rating) of the game company (or game publishing company) of the financial statement parameter information including at least one of investment information, tangible asset information, intangible asset information, balance sheet information, and income statement information for An evaluation item setting unit for setting at least one credit rating item for evaluation; Analyzing the member information, the billing method information and the game access information included in the evaluation item, the cash flow analysis information of the game company (or game publishing company) according to the game operation from the time of development and beta testing of the game to the present time The game company (or game publishing company) according to the game operation during the predetermined loan period from the current time point by analyzing the member information, the charging method information and the game access information generated in the credit rating evaluation item and / or Cash flow analysis unit for generating cash flow analysis information of the company, and corporate information for analyzing the company information and stock listing information included in the credit rating evaluation item to generate corporate analysis information for the game company (or game publishing company) Analysis section, investment asset information, tangible asset information, intangible asset information, balance sheet included in the above credit rating A financial statement analysis unit for analyzing financial and income statement information to generate financial statement analysis information for the game company (or game publishing company), the generated at least one cash flow analysis information, corporate analysis information and financial statement analysis It is to provide a game company (or game publishing company) credit rating engine having a credit rating calculation unit for calculating the credit rating information for the game company (or game publishing company) by scoring the information.

The game company (or game publishing company) credit rating method according to the present invention, for at least one or more games operated by the credit rating evaluation target game company (or game publishing company) from a predetermined terminal in a predetermined information receiving means; Member information including at least one of the total number of members, the number of paid members, and the number of free members, the billing method information including at least one billing method for the game, a billing method per connection, a billing method per access time, and the schedule Receiving game operation parameter information including at least one game access information including at least one game access number and an access time of the member during a period, and through a predetermined manager terminal in a predetermined evaluation item setting means; Credit of the game company (or game publishing company) among the game operation parameter information (Or setting at least one credit rating evaluation item for evaluating a loan rating) and analyzing the member information, the charging method information, and the game access information included in the credit rating evaluation item in a predetermined cash flow analysis means. Generating cash flow analysis information of the game company (or game publishing company) according to the game operation from the time of development and / or beta testing of the game to the present; and analyzing the cash flow in a predetermined credit rating calculation means. And scoring the information to calculate credit rating information for the game company (or game publishing company).

In addition, the game company (or game publishing company) credit rating method according to the present invention, at least one or more games operated by the credit rating evaluation target game company (or game publishing company) from a predetermined terminal in a predetermined information receiving means; Membership information including at least one of the total membership growth rate, the paid member growth rate and the paid member conversion rate for the member, and the charging method including at least one billing method for the game, billing method per connection, billing method per access time Receiving game operation parameter information including at least one piece of information and at least one game connection information including at least one game connection number and a connection time of the member during the predetermined period; The game company (or crab) of the game operation parameter information through an administrator terminal. Establishing at least one credit rating item for evaluating the credit rating (or loan rating) of the publishing company), and the member information and billing method information included in the credit rating item in the predetermined cash flow analysis means. And analyzing the game access information to generate cash flow analysis information of the game company (or game publishing company) according to the game operation for a predetermined loan period from the current time point, and in the predetermined credit rating calculation means. And scoring the flow analysis information to calculate credit rating information for the game company (or game publishing company).

According to the present invention, the game company (or game publishing company) credit rating method, the information receiving means for the company information and stock listing information for the credit rating evaluation target game company (or game publishing company) from the terminal. Receiving at least one game company (or game publishing company) information comprising at least one, and the game company (or game publishing company) of the game company (or game publishing company) information through a predetermined administrator terminal in the evaluation item setting means Setting at least one credit rating item for evaluating a credit rating (or loan rating) of the credit card), and analyzing the company information and stock listing information included in the credit rating item in a predetermined company information analysis means. Generating corporate analysis information about the game company (or game publishing company) and the credit rating calculation means; And calculating the credit rating information for the game company (or game publishing company) by scoring the company analysis information.

In addition, according to the present invention, the game company (or game publishing company) credit rating method, the investment information information, type of the game company (or game publishing company) subject to the credit rating evaluation from the terminal in the information receiving means. Receiving financial statement parameter information including at least one of asset information, intangible asset information, balance sheet information, and income statement information, and the game of the financial statement parameter information through a predetermined manager terminal in the evaluation item setting means; Establishing at least one credit rating item for evaluating the credit rating (or loan rating) of the company (or game publishing company), and investment asset information included in the credit rating item in the predetermined financial statement analysis means; Analysis of property, plant and equipment information, intangible asset information, balance sheet information and income statement information. Generating financial statement analysis information for the NDE (or game publishing company) and calculating the credit rating information for the game company (or game publishing company) by scoring the financial statement analysis information in the credit rating calculation means. Characterized in that further comprises.

On the other hand, the game company (or game publishing company) credit rating engine according to the present invention, member information, billing method information, at least one or more games operated by a predetermined credit rating evaluation target game company (or game publishing company), Game operation parameter information including at least one game access information, game company (or game publishing company) information including at least one of company information and stock listing information about the game company (or game publishing company), and The game company (or game publishing company) among financial statement parameter information including at least one of investment information, tangible asset information, intangible asset information, balance sheet information, and income statement information for the game company (or game publishing company). An evaluation item that sets at least one credit rating item to evaluate the credit rating (or loan rating) The game company (or game publishing) according to the game operation from the time of development and beta testing of the game to the present time by analyzing the member information, the charging method information, and the game access information included in the predetermined credit rating evaluation item. G) generating cash flow analysis information, and / or analyzing member information, billing method information, and game access information included in the credit rating evaluation item, and performing the operation according to the game operation for a predetermined loan period from the current time point. Cash flow analysis unit for generating cash flow analysis information of the game company (or game publishing company) and the company information and stock listing information included in the credit rating evaluation items for the game company (or game publishing company) Corporate information analysis unit for generating corporate analysis information, investment asset information, tangible asset information, no A financial statement analysis unit for analyzing financial asset information, balance sheet information, and income statement information to generate financial statement analysis information for the game company (or game publishing company); and the generated at least one cash flow analysis information and the company And a credit rating calculation unit configured to calculate credit rating information for the game company (or game publishing company) by scoring analysis information and financial statement analysis information.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing an information registration system for evaluating a credit rating of a game company according to an embodiment of the present invention.

In more detail, FIG. 1 shows a credit rating of the game developer and / or game publishing company for processing the loan when a predetermined amount of money is loaned from a predetermined financial institution to a predetermined game developer and / or game publishing company. Loan information rating), wherein a predetermined game company terminal 130 accesses a server provided on the game company credit rating system through a predetermined network means and at least the game company information. When one or more financial statement parameter information and game operation parameter information are registered, the server may associate the game company information, the at least one financial statement parameter information, and the game operation parameter information with each other and store them in a predetermined storage medium 125. As for the system configuration, those skilled in the art to which the present invention pertains By referring to and / or modifying the drawing 1, various implementation methods for the construction of the information registration system for rating the credit rating of the game company may be inferred. However, the present invention includes all the implementation methods inferred from the drawing. It is not limited only to the implementation method shown in FIG.

Hereinafter, in order to store the game company information, the at least one financial statement parameter information, and the game operation parameter information provided from the game company terminal 130 in the storage medium 125 on the information registration system shown in FIG. Components corresponding to one or more means and / or functional configurations are referred to as " information registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for credit rating evaluation of a game company according to the present invention includes at least one game company terminal 130 connected to a predetermined network means, and the game company. A storage medium 125 for storing the game company information transmitted from the terminal 130 and at least one financial statement parameter information and game operation parameter information in association with each other, and the game company terminal 130 through a predetermined network means. And an information registration server 100 connected and receiving and cooperatively processing game company information, at least one or more financial statement parameter information, and game operation parameter information stored in the storage medium 125. Characterized in that made.

The game company terminal 130 is at least one information registration terminal device provided in the game developer and / or game publishing company connected to the information registration server 100 to evaluate the credit rating of the game company according to the present invention. At least one wired terminal including a desktop computer and / or a notebook computer connected to the information registration server 100 through a transmission control protocol / Internet protocol (TCP / IP) based wired network; And / or a mobile communication terminal connected to a code division multiple access (CDMA) based mobile communication network, and / or a portable internet terminal connected to an IEEE 802.16x based high speed wireless internet, and / or a DataTAC / Mobitex based wireless data communication network. At least one wireless terminal including at least one wireless data communication terminal to be connected The game company terminal 130 outputs at least one or more interface screens provided by the information registration server 100, and inputs and / or selects at least one or more information through the interface screens. It is preferable that a function configuration (for example, a browser program and a communication function) for transmitting to the registration server 100 is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the game company terminal 130 corresponding to at least one or more wired terminals and / or wireless terminals. Description is omitted for convenience.

When the game company terminal 130 is a wired terminal according to an embodiment of the present invention, the network means includes the TCP / IP based wired network, and the game company terminal 130 is a wireless terminal. Preferably, the network means comprises at least one of the CDMA based mobile communication network, and / or IEEE 802.16x based high speed wireless internet, and / or DataTAC / Mobitex based wireless data communication network.

The storage medium 125 provided on the game company credit rating system according to the present invention performs a process of linking game company information transmitted from the game company terminal 130 with at least one financial statement parameter information and game operation parameter information. Characterized in that for storing.

Here, the game company information is characterized in that it comprises the company information, such as the company name, address, number of employees, CEO, corporate organization chart of the game developer and / or game publishing company, the game company is listed on KOSPI / KOSDAQ If so, it is preferable that the game company further includes stock listing information (eg, transaction number, shareholder information, etc.).

The financial statement parameter information may include at least one parameter information for evaluating the game company's credit rating (or loan rating) in the game company credit rating system shown in FIG. 4. Investment asset information corresponding to game companies' investment assets (e.g. real estate for investment, stocks for investment purposes, bonds, commercial notes, CDs, etc.) and types corresponding to tangible assets (e.g. factories, land, buildings, machinery, etc.) Intangible asset information corresponding to asset information, intangible assets (e.g., legal rights such as goodwill, patents, utility models, design rights, underground rights, mining rights) and / or the balance sheet information and / or income statement information of the game company. It is preferable to comprise at least one or more.

Those skilled in the art to which the present invention belongs, detailed technical characteristics corresponding to investment asset information, and / or tangible asset information, and / or intangible asset information corresponding to the financial statement parameter information of the game company, and In addition to the investment asset information, tangible asset information, and intangible asset information, you will be familiar with at least one or more accounting information to be included in the financial statement parameters, so a detailed description thereof will be omitted for convenience.

The game operation parameter information may be at least one parameter information for evaluating the game company's credit rating (or loan rating) in the game company credit rating system shown in FIG. Or it comprises at least one or more member information, billing method information, game access information for the game to be distributed.

According to the present invention, the game operation parameter information includes member information on a game developed and / or distributed by the game company, and the member information includes at least total member information, paid member information, free member information, and the like. Characterized in that it comprises one or more.

In this case, the total number of members information may include information on the number of members subtracted from the total number of new members who have been withdrawn from the time of development and beta testing of the game.

In addition, the paid member information includes information on the number of members subtracted from the members who have withdrawn from the total membership to be a paid member according to at least one or more of the charging method of the game from the time of development and beta testing of the game to the present. It is preferable to make.

In addition, the paid member information includes information on the number of members subtracted from all members who signed up as free members without following any of the charging methods of the game from the time of development and beta testing of the game to the present. It is preferable.

According to the exemplary embodiment of the present invention, it is preferable that the member information included in the game operation parameter information includes at least one or more total member increase rate information, paid member increase rate information, and paid member conversion rate information.

Here, the information on the total number of member growth rate is information about the number of newly registered members at regular intervals (for example, annually, or six months, quarterly, monthly) from the time of development and beta testing of the game to the present, or newly registered by a certain period. It is preferable to include at least one of the number of members and the ratio of the number of members who have withdrawn in the same period.

In addition, the information on the increase in the number of paid members is information on the number of newly registered members as paid members according to at least one or more of the billing methods of the game from the time of development and beta testing of the game to the present, or by period (for example, yearly, Or 6 months, quarterly, monthly), including at least one ratio of the number of paid members newly enrolled and the number of paid members withdrawn during the same period.

In addition, the paid member growth rate information is a free member that is registered as a free member according to any of the charging method of the game from the development and beta testing time of the game to the present time period (for example, yearly or 6 Monthly, quarterly, monthly), or at least one of the number of members who converted to paid members by the free member or the number of members who converted to paid members by a certain period and the number of paid members who dropped out in the same period. .

According to the present invention, the game operation parameter information includes a billing method information for a game developed and / or distributed by the game company, and the billing method information is a flat rate billing method, a billing method per connection, access time. It characterized in that it comprises at least one or more of the charging method.

Here, it is preferable that the flat fee charging method includes a charging method in which a predetermined paid member pays a predetermined amount by a predetermined period (for example, monthly) and uses the game.

In addition, it is preferable that the billing method per connection includes a billing method in which a predetermined paying member pays an amount according to the number of times of using the game.

In addition, the billing method per access time is preferably made of a billing method in which a predetermined paid member pays the amount according to the time of using the game for a certain period.

According to the present invention, the game operation parameter information includes game access information for a game developed and / or distributed by the game company, and the game access information includes access number information and access number of a paid member subscribed to the game. Characterized in that it comprises at least one or more time information.

Here, the access information is a paid member according to at least one or more of the billing method of the game from the time of development and beta testing of the game to the present access to use the game by a certain period (for example, monthly) It is preferable to include the number of times.

In addition, the access time information is a payment member according to at least one or more of the billing method of the game from the time of development and beta testing of the game to the present access to use the game for a certain period (eg monthly) It is preferable to include one hour.

If one of ordinary skill in the art to which the present invention belongs, the game operation parameter information of the game company is in addition to the member information, billing method information, game access information corresponding to the key factor (Key Factor) to calculate the credit rating of the game At least one game operation parameter information added may be inferred due to the characteristics of the company, but the present invention may further include all the parameter information inferred, and thus the present invention is not limited thereto.

According to the method of the present invention, the information registration server 100 is predetermined with the game company terminal 130 through the network means in order to provide a web interface corresponding to the game company terminal 130 and the network means. And an interface unit 105 for connecting and managing a communication channel of the communication channel. Thus, the information registration server 100 communicates with the game company terminal 130 through a wired network and / or a wireless network. It has the function of a web server to be connected.

According to an embodiment of the present invention, when the game company terminal 130 is a wired terminal to which a communication channel is connected through a TCP / IP based wired network, the interface unit 105 may be connected to the game company terminal 130. An interface screen and / or a Hyper-Text Markup Language (HTML) compatible document form is connected to the game company terminal 130 through a communication channel based on a Hyper-Text Transfer Protocol (HTTP) protocol. Transmitting and outputting an information providing screen, and receiving and processing predetermined game company information, at least one financial statement parameter information, and game operation parameter information input (or selected) from the game company terminal 130 through the interface screen. It is desirable to perform the function.

According to another exemplary embodiment of the present invention, when the game company terminal 130 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the interface unit 105 is connected to the game company terminal 130 and the WAP. (Wireless Markup Language (WML) and / or HTML compatible document) to connect a predetermined communication channel based on a Wireless Application Protocol (ME) and / or a Mobile Explorer (ME) protocol and to the game company terminal 130 through the communication channel. Transmits and outputs an interface screen and / or information providing screen in a form, and receives predetermined game company information, at least one financial statement parameter information, and game operation parameter information corresponding to the interface screen from the game company terminal 130. It is desirable to perform the function of processing.

According to another exemplary embodiment of the present invention, when the game company terminal 130 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless network, the interface unit 105 is the game company terminal 130. And a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmits a predetermined interface screen and / or information providing screen to the game company terminal 130 through the communication channel. And receiving and processing predetermined game company information, at least one financial statement parameter information, and game operation parameter information corresponding to the interface screen from the game company terminal 130, and / or When the game company terminal 130 is a wireless terminal to which a communication channel is connected through a DataTAC / Mobitex based wireless network, the interface unit 105 The game company terminal 130 connects a predetermined communication channel based on a wireless protocol corresponding to the DataTAC / Mobitex standard, and a predetermined interface screen and / or information to the game company terminal 130 through the communication channel. It is preferable to perform a function of transmitting and outputting a provided screen and receiving and processing predetermined game company information, at least one financial statement parameter information, and game operation parameter information corresponding to the interface screen from the game company terminal 130. Do.

Referring to FIG. 1, the information registration server 100 interworks with the interface unit 105 when a predetermined game company terminal 130 accesses the information registration server 100 through the interface unit 105. Generating (or extracting) a predetermined interface screen for the game company terminal 130 to input (or select) and transmit predetermined game company information, at least one or more financial statement parameter information, and game operation parameter information. An interface provider 110 and game company information inputted (or selected) from the game company terminal 130 through the interface screen in association with the interface unit 105 and at least one financial statement parameter information; An information receiving unit 115 for receiving game operation parameter information, the received game company information, at least one financial statement parameter information, and a game operation parameter; The information associated process is characterized in that formed in an information storage unit 120 to store in the storage medium 125.

The interface providing unit 110 has a function configuration (eg, provided) in the game company terminal 130 when a predetermined game company terminal 130 is connected to the information registration server 100 through the interface unit 105. Corresponding to a browser program provided in the game company terminal 130, input (or select) predetermined game company information, at least one financial statement parameter information, and game operation parameter information to the information registration server through the network means. Create a predetermined interface screen that can be transmitted to 100, and / or extract from a predetermined database (not shown), and interface with the interface unit 105 to generate the generated (or extracted) interface screen in the network. It is characterized in that it provides to the game company terminal 130 through the means.

Thereafter, the game company terminal 130 inputs (or selects) predetermined game company information, at least one financial statement parameter information, and game operation parameter information based on the interface screen, and the input (or selected) game. Company information, at least one financial statement parameter information and game operation parameter information are transmitted to the information registration server 100 through the network means.

The information receiving unit 115 inputs (or selects) predetermined game company information, at least one or more financial statement parameter information, and game operation parameter information from the game company terminal 130 through the interface screen through the network means. At the time of transmission, the game company information, at least one financial statement parameter information, and game operation parameter information are received in cooperation with the interface unit 105, wherein the received game company information and at least one financial statement parameter are received. Information and game operation parameter information are provided to the information storage unit 120.

The information storage unit 120 processes the game company information received through the information receiver 115, at least one financial statement parameter information, and game operation parameter information to store the information in the storage medium 125. It is done.

Here, the game company information is characterized in that it comprises the company information, such as the company name, address, number of employees, CEO, corporate organization chart of the game developer and / or game publishing company, the game company is listed on KOSPI / KOSDAQ If so, it is preferable that the game company further includes stock listing information (eg, transaction number, shareholder information, etc.).

The financial statement parameter information may include at least one parameter information for evaluating the game company's credit rating (or loan rating) in the game company credit rating system shown in FIG. 4. Investment asset information corresponding to game companies' investment assets (e.g. real estate for investment, stocks for investment purposes, bonds, commercial notes, CDs, etc.) and types corresponding to tangible assets (e.g. factories, land, buildings, machinery, etc.) Intangible asset information corresponding to asset information, intangible assets (e.g., legal rights such as goodwill, patents, utility model, design rights, underground rights, mining rights) and / or balance sheet information and / or income statement information It is preferable to include at least one.

Those skilled in the art to which the present invention belongs, detailed technical characteristics corresponding to investment asset information, and / or tangible asset information, and / or intangible asset information corresponding to the financial statement parameter information of the game company, and In addition to the investment asset information, tangible asset information, and intangible asset information, you will be familiar with at least one or more accounting information to be included in the financial statement parameters, so a detailed description thereof will be omitted for convenience.

In addition, the game operation parameter information is at least one or more parameter information for evaluating the game company's credit rating (or loan rating) in the game company credit rating system shown in Figure 4, developed and / or developed by the game company And at least one member information, billing method information, game access information, etc. for the game to be distributed.

According to the present invention, the game operation parameter information includes member information on a game developed and / or distributed by the game company, and the member information includes at least total member information, paid member information, free member information, and the like. Characterized in that it comprises one or more.

In this case, the total number of members information may include information on the number of members subtracted from the total number of new members who have been withdrawn from the time of development and beta testing of the game.

In addition, the paid member information includes information on the number of members subtracted from the members who have withdrawn from the total membership to be a paid member according to at least one or more of the charging method of the game from the time of development and beta testing of the game to the present. It is preferable to make.

In addition, the paid member information includes information on the number of members subtracted from all members who signed up as free members without following any of the charging methods of the game from the time of development and beta testing of the game to the present. It is preferable.

According to the exemplary embodiment of the present invention, it is preferable that the member information included in the game operation parameter information includes at least one or more total member increase rate information, paid member increase rate information, and paid member conversion rate information.

Here, the information on the total number of member growth rate is information about the number of newly registered members at regular intervals (for example, annually, or six months, quarterly, monthly) from the time of development and beta testing of the game to the present, or new by periodic period. It is preferable to include at least one or more of the ratio of the number of members who joined and the number of members who dropped out in the same period.

In addition, the information on the increase in the number of paid members is information on the number of newly registered members as paid members according to at least one or more of the billing methods of the game from the time of development and beta testing of the game to the present, or by period (for example, yearly, Or 6 months, quarterly, monthly), including at least one ratio of the number of paid members newly enrolled and the number of paid members withdrawn during the same period.

In addition, the paid member growth rate information is a free member that is registered as a free member according to any billing method of the game from the development and beta testing time of the game from now until the present by a certain period (for example, yearly, or six months) It is preferable to include at least one of the number of members who have been converted into paid members on a monthly basis, quarterly, monthly basis), or the ratio of the number of members who have switched to paying members for a certain period from the free members and the number of paid members who have left the period.

According to the present invention, the game operation parameter information includes a billing method information for a game developed and / or distributed by the game company, and the billing method information is a flat rate billing method, a billing method per connection, access time. It characterized in that it comprises at least one or more of the charging method.

Here, it is preferable that the flat fee charging method includes a charging method in which a predetermined paid member pays a predetermined amount by a predetermined period (for example, monthly) and uses the game.

In addition, it is preferable that the billing method per connection includes a billing method in which a predetermined paying member pays an amount according to the number of times of using the game.

In addition, the billing method per access time is preferably made of a billing method in which a predetermined paid member pays the amount according to the time of using the game for a certain period.

According to the present invention, the game operation parameter information includes game access information for a game developed and / or distributed by the game company, and the game access information includes access number information and access number of a paid member subscribed to the game. Characterized in that it comprises at least one or more time information.

Here, the access number information is a payment member according to at least one or more of the billing method of the game from the development and beta test time of the game to the present access to use the game by a certain period (for example, monthly) It is preferable to include the number of times.

In addition, the access time information is a payment member according to at least one or more of the billing method of the game from the time of development and beta testing of the game to the present access to use the game for a certain period (eg monthly) It is preferable to include one hour.

If one of ordinary skill in the art to which the present invention belongs, the game operation parameter information of the game company is in addition to the member information, billing method information, game access information corresponding to the key factor (Key Factor) to calculate the credit rating of the game At least one game operation parameter information added may be inferred due to the characteristics of the company, but the present invention may further include all the inferred parameter information, and thus the present invention is not limited thereto.

2 is a diagram illustrating a game operation parameter information configuration for evaluating a game company's credit rating according to an embodiment of the present invention.

More specifically, Figure 2 is a credit rating (or loan rating) of the game developer and / or game publishing company for processing the loan, when a predetermined amount of loan from the predetermined financial institution to the game developer and / or game publishing company Of the information registered by a predetermined game developer and / or game publishing company through the information registration system shown in FIG. 1 to evaluate the configuration of the game operation parameter information, which is common in the art Those skilled in the art will be able to infer various implementation methods for constructing game operation parameter information for evaluating the credit rating of the game company by referring to and / or modifying the drawing 2, but the present invention provides all the implementation methods inferred. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Information registered by the game developer and / or game publishing company through the information registration system illustrated in FIG. 1 includes at least one of the game company information, at least one financial statement parameter information, and game operation parameter information. It is characterized by.

If one of ordinary skill in the art to which the present invention belongs, the game company information registered by the game developer and / or game publishing company for the credit rating evaluation of the game company and at least one or more financial statement parameter information configuration Since it will be understood, detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the game operation parameter information is at least one parameter information for evaluating the game company's credit rating (or loan rating) in the game company credit rating system shown in FIG. And / or at least one member information, billing method information, game access information, etc. for the game to be distributed.

According to the present invention, the game operation parameter information includes member information on a game developed and / or distributed by the game company, and the member information includes at least total member information, paid member information, free member information, and the like. Characterized in that it comprises one or more.

In this case, the total number of members information may include information on the number of members subtracted from the total number of new members who have been withdrawn from the time of development and beta testing of the game.

In addition, the paid member information includes information on the number of members subtracted from the members who have withdrawn from the total membership to be a paid member according to at least one or more of the charging method of the game from the time of development and beta testing of the game to the present. It is preferable to make.

In addition, the paid member information includes information on the number of members subtracted from all members who signed up as free members without following any of the charging methods of the game from the time of development and beta testing of the game to the present. It is preferable.

According to the exemplary embodiment of the present invention, it is preferable that the member information included in the game operation parameter information includes at least one or more total member increase rate information, paid member increase rate information, and paid member conversion rate information.

Here, the information on the total number of member growth rate is information about the number of newly registered members at regular intervals (for example, annually, or six months, quarterly, monthly) from the time of development and beta testing of the game to the present, or newly registered by a certain period. It is preferable to include at least one of the number of members and the ratio of the number of members who have withdrawn in the same period.

In addition, the information on the increase in the number of paid members is information on the number of newly registered members as paid members according to at least one or more of the billing methods of the game from the time of development and beta testing of the game to the present, or by period (for example, yearly, Or 6 months, quarterly, monthly), including at least one ratio of the number of paid members newly enrolled and the number of paid members withdrawn during the same period.

In addition, the rate of increase of the paid member information is based on a certain period (for example, yearly or 6) by a free member who registers as a free member without following any of the charging methods of the game from the time of development and beta testing of the game to the present. Monthly, quarterly, monthly), or at least one of the number of members who converted to paid members by the free member or the number of members who converted to paid members by a certain period and the number of paid members who dropped out in the same period. .

According to the present invention, the game operation parameter information includes a billing method information for a game developed and / or distributed by the game company, and the billing method information is a flat rate billing method, a billing method per connection, access time. It characterized in that it comprises at least one or more of the charging method.

Here, it is preferable that the flat fee charging method includes a charging method in which a predetermined paid member pays a predetermined amount by a predetermined period (for example, monthly) and uses the game.

In addition, it is preferable that the billing method per connection includes a billing method in which a predetermined paying member pays an amount according to the number of times of using the game.

In addition, the billing method per access time is preferably made of a billing method in which a predetermined paid member pays the amount according to the time of using the game for a certain period.

According to the present invention, the game operation parameter information includes game access information for a game developed and / or distributed by the game company, and the game access information includes access number information and access number of a paid member subscribed to the game. Characterized in that it comprises at least one or more time information.

Here, the access information is a paid member according to at least one or more of the billing method of the game from the time of development and beta testing of the game to the present access to use the game by a certain period (for example, monthly) It is preferable to include the number of times.

In addition, the access time information is a payment member according to at least one or more of the billing method of the game from the time of development and beta testing of the game to the present access to use the game for a certain period (eg monthly) It is preferable to include one hour.

If one of ordinary skill in the art to which the present invention belongs, the game operation parameter information of the game company is in addition to the member information, billing method information, game access information corresponding to the key factor (Key Factor) to calculate the credit rating of the game At least one game operation parameter information added may be inferred due to the characteristics of the company, but the present invention may further include all the inferred parameter information, and thus the present invention is not limited thereto.

3 is a diagram illustrating an information registration process for evaluating a credit rating of a game company according to an embodiment of the present invention.

In more detail, FIG. 3 shows that game company terminal 130 on the information registration system shown in FIG. 1 provides game company information for evaluating a game company's credit rating to the information registration server 100 through a predetermined network means. When one or more financial statement parameter information and game operation parameter information are transmitted, the information registration server 100 associates the game company information with at least one financial statement parameter information and game operation parameter information to the storage medium 125. As a storage process, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 3 to infer various implementation methods for the information registration process for rating a game company's credit. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is only performed by the implementation method illustrated in FIG. Not determined

Hereinafter, in FIG. 3, the information registration server 100 on the information registration system shown in FIG. 1 will be referred to as "server" for convenience, and the game terminal 130 on the information registration system shown in FIG. 1 will be referred to as "terminal" for convenience. "

Referring to FIG. 3, a terminal on the information registration system shown in FIG. 1 accesses the server through the network means and connects a communication channel for evaluating a game company's credit rating (300).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

When the communication channel for the game company's credit rating evaluation is connected between the terminal and the server as described above, the terminal requests the interface screen for the game company's credit rating evaluation to the server through the communication channel (305), In response, the server generates (or extracts) an interface screen including a user interface for inputting (or selecting) the game company information, at least one financial statement parameter information, and game operation parameter information in the terminal (310). The generated (or extracted) interface screen is transmitted to the terminal through the communication channel (315).

Thereafter, the terminal transmits the game company information and the at least one financial statement parameter information and the game through the user interface for inputting (or selecting) the game company information, the at least one financial statement parameter information, and the game operation parameter information. The operation parameter information is processed to be input (or selected) (320).

If the game company information, at least one or more financial statement parameter information and game operation parameter information is input (or selected) at the terminal (325), the terminal transmits at least one of the game company information to the server through the communication channel. The financial statement parameter information and the game operation parameter information are transmitted (330), and correspondingly, the server processes the received game company information, the at least one financial statement parameter information, and the game operation parameter information in association with FIG. In operation 335, the storage medium 125 may be stored.

Here, the game company information is characterized in that it comprises the company information, such as the company name, address, number of employees, CEO, corporate organization chart of the game developer and / or game publishing company, the game company is listed on KOSPI / KOSDAQ If so, it is preferable that the game company further includes stock listing information (eg, transaction number, shareholder information, etc.).

In addition, the financial statement parameter information, characterized in that it comprises at least one or more parameter information for evaluating the game company credit rating (or loan rating) in the game company credit rating system shown in Figure 4, Investment asset information corresponding to the investment assets of the game company (e.g. real estate for investment, stocks for investment purposes, bonds, commercial paper, CD, etc.), corresponding to tangible assets (eg, factories, land, buildings, machinery, etc.) Intangible asset information corresponding to tangible asset information, intangible assets (e.g., legal rights such as goodwill, patents, utility models, design rights, underground rights, mining rights) and / or balance sheet information and / or income statement information It is preferable to include at least one.

Those skilled in the art to which the present invention belongs, detailed technical characteristics corresponding to investment asset information, and / or tangible asset information, and / or intangible asset information corresponding to the financial statement parameter information of the game company, and In addition to the investment asset information, tangible asset information, and intangible asset information, you will be familiar with at least one or more accounting information to be included in the financial statement parameters, so a detailed description thereof will be omitted for convenience.

In addition, the game operation parameter information is at least one or more parameter information for evaluating the game company's credit rating (or loan rating) in the game company credit rating system shown in Figure 4, developed and / or developed by the game company And at least one member information, billing method information, game access information, etc. for the game to be distributed.

According to the present invention, the game operation parameter information includes member information on a game developed and / or distributed by the game company, and the member information includes at least total member information, paid member information, free member information, and the like. Characterized in that it comprises one or more.

In this case, the total number of members information may include information on the number of members subtracted from the total number of new members who have been withdrawn from the time of development and beta testing of the game.

In addition, the paid member information includes information on the number of members subtracted from the members who have withdrawn from the total membership to be a paid member according to at least one or more of the charging method of the game from the time of development and beta testing of the game to the present. It is preferable to make.

In addition, the paid member information includes information on the number of members subtracted from all members who signed up as free members without following any of the charging methods of the game from the time of development and beta testing of the game to the present. It is preferable.

According to the exemplary embodiment of the present invention, it is preferable that the member information included in the game operation parameter information includes at least one or more total member increase rate information, paid member increase rate information, and paid member conversion rate information.

Here, the information on the total number of member growth rate is information about the number of newly registered members at regular intervals (for example, annually, or six months, quarterly, monthly) from the time of development and beta testing of the game to the present, or newly registered by a certain period. It is preferable to include at least one of the number of members and the ratio of the number of members who have withdrawn in the same period.

In addition, the information on the increase in the number of paid members is information on the number of newly registered members as paid members according to at least one or more of the billing methods of the game from the time of development and beta testing of the game to the present, or by period (for example, yearly, Or 6 months, quarterly, monthly), including at least one ratio of the number of paid members newly enrolled and the number of paid members withdrawn during the same period.

In addition, the paid member growth rate information is a free member that is registered as a free member according to any billing method of the game from the development and beta testing time of the game from now until the present by a certain period (for example, yearly, or six months) Per month, quarterly, monthly), or at least one of the number of members who converted to paid members by the free member by a certain period and the ratio of the number of paid members who dropped out in the same period. .

According to the present invention, the game operation parameter information includes a billing method information for a game developed and / or distributed by the game company, and the billing method information is a flat rate billing method, a billing method per connection, access time. It characterized in that it comprises at least one or more of the charging method.

Here, it is preferable that the flat fee charging method includes a charging method in which a predetermined paid member pays a predetermined amount by a predetermined period (for example, monthly) and uses the game.

In addition, it is preferable that the billing method per connection includes a billing method in which a predetermined paying member pays an amount according to the number of times of using the game.

In addition, the billing method per access time is preferably made of a billing method in which a predetermined paid member pays the amount according to the time of using the game for a certain period.

According to the present invention, the game operation parameter information includes game access information for a game developed and / or distributed by the game company, and the game access information includes access number information of a paid member who subscribed to the game and access. Characterized in that it comprises at least one or more time information.

Here, the access information is a paid member according to at least one or more of the billing method of the game from the time of development and beta testing of the game to the present access to use the game by a certain period (for example, monthly) It is preferable to include the number of times.

In addition, the access time information is a payment member according to at least one or more of the billing method of the game from the time of development and beta testing of the game to the present access to use the game for a certain period (eg monthly) It is preferable to include one hour.

If one of ordinary skill in the art to which the present invention belongs, the game operation parameter information of the game company is in addition to the member information, billing method information, game access information corresponding to the key factor (Key Factor) to calculate the credit rating of the game At least one game operation parameter information added may be inferred due to the characteristics of the company, but the present invention may further include all the inferred parameter information, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, the process of providing the interface screen from the server to the terminal, and correspondingly, the game company information, at least one financial statement parameter information, and game operation parameter information are input (or selected) from the terminal. Transmitting the data to the server and processing the received game company information, at least one financial statement parameter information, and game operation parameter information in the server to store them in the storage medium 125 shown in FIG. According to the intention of the person skilled in the art can be divided into at least two or more times, whereby the present invention is not limited.

4 is a diagram illustrating a game company credit rating system for game company credit rating according to an embodiment of the present invention.

In more detail, FIG. 4 is based on game company information registered by a credit rating target game developer and / or game publishing company, at least one or more financial statement parameter information, and game operation parameter information through the information registration system shown in FIG. As a system configuration for evaluating a credit rating (or loan rating) for loaning a predetermined amount to a game developer and / or a game publishing company in a predetermined financial institution, the general knowledge in the technical field to which the present invention belongs If you have, it will be able to infer various implementation methods for the game company credit rating system configuration for the game company credit rating by referring to and / or modifying the Figure 4, the present invention is all inferred implementation method It is not limited to the implementation method shown in FIG.

Hereinafter, the credit rating (or loan rating) of the game developer and / or game publishing company based on the game company information, at least one financial statement parameter information and game operation parameter information on the game company credit rating system shown in FIG. At least one means for evaluating and / or a component corresponding to the functional configuration is referred to as " credit rating server 400 " for convenience.

Referring to this figure 4 according to the embodiment of the present invention, the game company credit rating system for credit rating evaluation of the game company, through the information registration system shown in FIG. A storage medium 125 that stores game company information registered by a game publishing company, at least one financial statement parameter information, and game operation parameter information; and the game company information and at least one financial statement parameter stored in the storage medium 125. A credit rating server 400 having a predetermined credit rating engine 430 that evaluates a credit rating for the game company based on the information and game operation parameter information, and the credit rating server 400 and the predetermined credit rating server 400. Games and at least one financial statement parameter information stored in the storage medium 125 connected via a network means of By selecting the credit rating information for the entry for the parameter characterized by comprising a terminal administrator (465) for setting the game's credit rating guidelines (Guideline).

In addition, the game company credit rating system is connected to the credit rating server 400 through a predetermined communication means (for example, a dedicated communication network, or a secure communication network with encryption / decryption function), the credit rating server A securities firm server (eg, corresponding to the credit rating evaluation target) that provides reference information for analyzing at least one or more financial statement parameter information stored in the storage medium 125 in the credit rating evaluation engine 430 included in the 400. A server providing stock information about a game developer and / or game publishing company), and / or a tax office server (eg, providing tax payment data to a game developer and / or game publishing company corresponding to the credit rating). Servers) and / or court servers (e.g., those who are game developers and / or game publishing companies that fall under the credit rating). A server providing a registration document for a), and / or an accountant server (e.g., a server providing accounting data for a game developer and / or game publishing company corresponding to the credit rating target), and / or a real estate server ( For example, a server that provides valuation information about real estate owned by a game developer and / or game publishing company corresponding to the credit rating target, and / or a financial information server (eg, a game corresponding to the credit rating target). And at least one server for providing valuation information on financial assets to developers and / or game publishing companies.

Those of ordinary skill in the art to which the present invention belongs, the securities company server (for example, a server that provides stock information for the game developer and / or game publishing company corresponding to the credit rating evaluation target), and / Or a tax office server (e.g., a server providing tax payment data to a game developer and / or a game publishing company corresponding to the credit rating target), and / or a court server (e.g., a game developer corresponding to the credit rating evaluation target). And / or a server providing a registration document for the asset for the game publishing company, and / or an accounting server (eg, providing accounting data for the game developer and / or game publishing company that is subject to the credit rating). Servers) and / or real estate servers (e.g., owned by game developers and / or game publishing companies that fall under the credit rating). A server that provides valuation information for a server), and / or a financial information server (eg, a server that provides valuation information about financial assets of a game developer and / or a game publishing company corresponding to the credit rating). Technical features for the brokerage server, and / or tax office server, and / or court server, and / or accountant server, and / or real estate server, and / or financial information server to the credit rating engine 430. You will be familiar with the technical features of the various information, data, and documents provided, so a detailed description thereof will be omitted for convenience.

In addition, the game company credit rating system is connected to the credit rating server 400 through a predetermined communication means (for example, a dedicated communication network, or a secure communication network with encryption / decryption function), the credit rating A financial system for providing financial information for analyzing cash flow analysis information corresponding to at least one or more game operation parameter information stored in the storage medium 125 in the credit rating evaluation engine 430 provided in the evaluation server 400. It is characterized by further comprising.

According to the method of the present invention, the credit rating analysis engine 430 provided in the credit rating server 400 receives cash flow analysis information corresponding to at least one or more game operation parameter information stored in the storage medium 125. A financial system for providing financial information for analysis is a financial computer system provided in a financial institution in which the game company account is opened, and includes at least one for the game company through at least one face-to-face and / or face-to-face financial transaction channel. It is characterized by providing the above financial transactions (for example, credit, receiving, currency exchange, foreign currency transfer, financial investment, etc.) services.

According to an embodiment of the present invention, the financial system is connected to at least one window terminal provided at a branch (and / or a branch) of the financial institution through a predetermined financial network (eg, a branch network). It provides a face-to-face financial transaction service to the credit rating evaluation target game developer and / or game publishing company through the window terminal.

Further, the financial system may include at least one financial terminal including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD common network) And a non-face-to-face financial transaction service to the credit rating target game developer and / or game publishing company through the financial terminal.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16xx based portable Internet, the wireless LAN / portable Internet It provides a non-face-to-face financial transaction service to the credit rating target game developer and / or game publishing company through a laptop and / or portable terminal with a connection and browsing function).

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16xx through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Face-to-face with the credit rating game developer and / or game publishing company through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). Provide financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or the game to be rated by the credit rating through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16xx based portable Internet and / or a DataTAC / Mobitex based wireless data communication network). Provide IC chip-based non-face-to-face financial transaction services to developers and / or game publishing companies.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to the credit rating target game developer and / or game publishing company.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server The non-face-to-face financial transaction service is provided to the game developer and / or game publishing company subject to the credit rating.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server , A terrestrial DMB terminal, etc.) to provide a non-face-to-face financial transaction service to the credit rating target game developer and / or game publishing company.

Referring to FIG. 4, the financial system opens at least one financial account to the credit rating target game developer and / or game publishing company and provides at least one financial transaction service based on the financial account. A computer system provided in an institution, which handles accounting operations such as credit or reception or trust or foreign exchange occurring in at least one branch (or counter), processing of headquarters operations, branch office information support, and customer information management. At least one non-face-to-face financial transaction means (e.g., the Internet) provided with an information system, interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one external communication network. Banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) Access to the existing financial system, and / or the external system that provides a variety of financial transaction interface through at least one or more common network (eg, CD common network, financial common network), and the financial system is An interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and predetermined information (eg, ledger information, and / or) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing customer information, and / or management information).

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system, the financial institution opens at least one or more financial accounts to the game developer and / or game publishing company subject to the credit rating, at least one or more based on the financial account And a ledger D / B for storing at least one ledger for providing a financial transaction service, wherein the ledger D / B includes at least one financial transaction processing to be provided to the financial transaction customer by the financial institution. At least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The additional information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

The manager terminal 465 includes at least one wired terminal that is connected to the credit rating server 400 through a predetermined wired communication network, and / or moves based on code division multiple access (CDMA). A desktop computer and / or laptop connected to the credit rating server 400 through a wireless communication network including at least one of a communication network, an IEEE 802.16x based high speed wireless Internet, or an IEEE 802.11x based wireless LAN. Characterized in that it comprises at least one wireless terminal, the manager terminal 465 outputs at least one credit rating evaluation item setting interface screen provided by the credit rating server 400, the credit rating Input and / or select at least one information through the evaluation item setting interface screen to It is preferable that a function configuration (for example, a browser program or a credit rating evaluation item setting program) for transmitting to the credit rating server 400 is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the manager terminal 465 corresponding to at least one or more wired terminals and / or wireless terminals. Omit for convenience.

When the manager terminal 465 is a wired terminal according to an embodiment of the present invention, the network means includes the TCP / IP-based wired communication network, and when the manager terminal 465 is a wireless terminal, The network means preferably comprises a CDMA based mobile communication network, a wireless communication network including at least one of IEEE 802.16x based high speed wireless Internet, or IEEE 802.11x based wireless LAN.

The storage medium 125 stores game company information, at least one financial statement parameter information, and game operation parameter information for the game developer and / or game publishing company registered through the information registration system shown in FIG. It is characterized by.

Here, the game company information is characterized in that it comprises the company information, such as the company name, address, number of employees, CEO, corporate organization chart of the game developer and / or game publishing company, the game company is listed on KOSPI / KOSDAQ If so, it is preferable that the game company further includes stock listing information (eg, transaction number, shareholder information, etc.).

In addition, the financial statement parameter information, characterized in that it comprises at least one or more parameter information for evaluating the game company credit rating (or loan rating) in the game company credit rating system shown in Figure 4, Investment asset information corresponding to the investment assets of the game company (e.g. real estate for investment, stocks for investment purposes, bonds, commercial paper, CD, etc.), corresponding to tangible assets (eg, factories, land, buildings, machinery, etc.) Intangible asset information corresponding to tangible asset information, intangible assets (e.g., legal rights such as goodwill, patents, utility models, design rights, underground rights, mining rights) and / or balance sheet information and / or income statement information It is preferable to include at least one.

Those skilled in the art to which the present invention belongs, detailed technical characteristics corresponding to investment asset information, and / or tangible asset information, and / or intangible asset information corresponding to the financial statement parameter information of the game company, and In addition to the investment asset information, tangible asset information, and intangible asset information, you will be familiar with at least one or more accounting information to be included in the financial statement parameters, so a detailed description thereof will be omitted for convenience.

The game operation parameter information may be at least one parameter information for evaluating the game company's credit rating (or loan rating) in the game company credit rating system shown in FIG. Or it comprises at least one or more member information, billing method information, game access information for the game to be distributed.

According to the present invention, the game operation parameter information includes member information on a game developed and / or distributed by the game company, and the member information includes at least total member information, paid member information, free member information, and the like. Characterized in that it comprises one or more.

In this case, the total number of members information may include information on the number of members subtracted from the total number of new members who have been withdrawn from the time of development and beta testing of the game.

In addition, the paid member information includes information on the number of members subtracted from the members who have withdrawn from the total membership to be a paid member according to at least one or more of the charging method of the game from the time of development and beta testing of the game to the present. It is preferable to make.

In addition, the paid member information includes information on the number of members subtracted from all members who signed up as free members without following any of the charging methods of the game from the time of development and beta testing of the game to the present. It is preferable.

According to the exemplary embodiment of the present invention, it is preferable that the member information included in the game operation parameter information includes at least one or more total member increase rate information, paid member increase rate information, and paid member conversion rate information.

Here, the information on the total number of member growth rate is information about the number of newly registered members at regular intervals (for example, annually, or six months, quarterly, monthly) from the time of development and beta testing of the game to the present, or newly registered by a certain period. It is preferable to include at least one of the number of members and the ratio of the number of members who have withdrawn in the same period.

In addition, the information on the increase in the number of paid members is information on the number of newly registered members as paid members according to at least one or more of the billing methods of the game from the time of development and beta testing of the game to the present, or by period (for example, yearly, Or 6 months, quarterly, monthly), including at least one ratio of the number of paid members newly enrolled and the number of paid members withdrawn during the same period.

In addition, the paid member growth rate information is a free member that is registered as a free member according to any billing method of the game from the development and beta testing time of the game from now until the present by a certain period (for example, yearly, or six months) It is preferable to include at least one of the number of members who have been converted into paid members on a monthly basis, quarterly, monthly basis), or the ratio of the number of members who have switched to paying members for a certain period from the free members and the number of paid members who have left the period.

According to the present invention, the game operation parameter information includes a billing method information for a game developed and / or distributed by the game company, and the billing method information is a flat rate billing method, a billing method per connection, access time. It characterized in that it comprises at least one or more of the charging method.

Here, it is preferable that the flat fee charging method includes a charging method in which a predetermined paid member pays a predetermined amount by a predetermined period (for example, monthly) and uses the game.

In addition, it is preferable that the billing method per connection includes a billing method in which a predetermined paying member pays an amount according to the number of times of using the game.

In addition, the billing method per access time is preferably made of a billing method in which a predetermined paid member pays the amount according to the time of using the game for a certain period.

According to the present invention, the game operation parameter information includes game access information for a game developed and / or distributed by the game company, and the game access information includes access number information and access number of a paid member subscribed to the game. Characterized in that it comprises at least one or more time information.

Here, the connection number information is for the paid member according to at least one or more of the billing method of the game from the development and beta test time of the game to the present time to use the game by a certain period (for example, monthly) It is preferable to include the number of times of connection.

In addition, the access time information is a payment member according to at least one or more of the billing method of the game from the time of development and beta testing of the game to the present access to use the game for a certain period (eg monthly) It is preferable to include one hour.

If one of ordinary skill in the art to which the present invention belongs, the game operation parameter information of the game company is in addition to the member information, billing method information, game access information corresponding to the key factor (Key Factor) to calculate the credit rating of the game At least one game operation parameter information added may be inferred due to the characteristics of the company, but the present invention may further include all the inferred parameter information, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, the credit rating server 400 is provided with the manager terminal 465 through the network means to provide a communication interface corresponding to the manager terminal 465 and the network means. And an interface unit 405 for connecting and managing a communication channel, whereby the credit rating server 400 communicates with the manager terminal 465 through a wired communication network and / or a wireless communication network. It has the function of a web server.

According to an embodiment of the present invention, when the manager terminal 465 is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network, the interface unit 405 may connect to the manager terminal 465 and HTTP ( Interface of a credit rating evaluation item setting interface in the form of a Hyper-Text Markup Language (HTML) compatible document in connection with a predetermined communication channel based on a Hyper-Text Transfer Protocol protocol, and to the manager terminal 465 through the communication channel; And / or transmits and outputs an information providing screen and receives and processes predetermined credit rating evaluation item selection information input (or selected) through the credit rating evaluation item setting interface screen from the manager terminal 465. It is preferable.

According to another exemplary embodiment of the present invention, when the manager terminal 465 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 405 connects to the manager terminal 465 and a WAP (Wireless). Connect a predetermined communication channel based on Application Protocol and / or Mobile Explorer (ME) protocol, and trust the WML (Wireless Markup Language) and / or HTML compatible document form to the manager terminal 465 through the communication channel. A function of transmitting and outputting a rating evaluation item setting interface screen and / or an information providing screen and receiving and processing predetermined credit rating evaluation item selection information corresponding to the credit rating evaluation item setting interface screen from the manager terminal 465. It is preferable to carry out.

According to another exemplary embodiment of the present invention, when the manager terminal 465 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 405 is connected to the manager terminal 465. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit a predetermined credit rating evaluation item setting interface screen and / or information providing screen to the manager terminal 465 through the communication channel. It is preferable to perform a function for outputting and receiving and processing predetermined credit rating evaluation item selection information corresponding to the credit rating evaluation item setting interface screen from the manager terminal 465, and / or the manager terminal 465. ) Is a wireless terminal to which a communication channel is connected through a wireless communication network based on IEEE 802.11x, the interface unit 405 is the manager. Connect a communication channel based on a horse 465 and a wireless protocol corresponding to the IEEE 802.11x standard, and a predetermined credit rating evaluation item setting interface screen and / or to the manager terminal 465 through the communication channel. It is preferable to perform a function of transmitting and outputting an information providing screen and receiving and processing predetermined credit rating evaluation item selection information corresponding to the credit rating evaluation item setting interface screen from the manager terminal 465.

Referring to FIG. 4, when the predetermined manager terminal 465 accesses the credit rating server 400 through the interface unit 405, the credit rating server 400 stores the storage medium 125. An information extraction unit 410 for extracting the game company information, the at least one financial statement parameter information and the game operation parameter information from the game company information, the at least one financial statement parameter information and the game operation parameter information; Generate (or extract) a user interface for selecting at least one credit rating evaluation item to be analyzed through the credit rating evaluation engine 430 provided in the credit rating server 400 and interworking with the interface unit 405. The credit rating evaluation in the manager terminal 465 in conjunction with the interface provider 415 provided to the manager terminal 465 and the interface unit 405. An information receiving unit 420 for receiving credit rating evaluation item selection information transmitted through input (or selection) through a neck setting interface screen, game company information stored in the storage medium 125 and at least one financial statement parameter information; In response to the received credit rating evaluation item selection information among game operation parameter information, the information is confirmed as information for evaluating the credit rating of the game company, and the storage medium 125 corresponds to the credit rating evaluation item selection information. Characterized in that it comprises an evaluation item setting unit 425 to extract the parameter information provided to the credit rating evaluation engine 430 provided in the credit rating server 400.

The information extracting unit 410 is a predetermined manager terminal 465 is connected to the credit rating server 400 through the interface unit 405, the credit rating evaluation item settings for the credit rating evaluation target company When requesting the interface screen, the game company information, the at least one financial statement parameter information and the game information for the credit rating evaluation target game company registered from the storage medium 125 through the information registration system shown in Figure 1 And extracting operating parameter information.

When the game company information, the at least one financial statement parameter information, and the game operation parameter information for the credit rating evaluation game company are extracted from the storage medium 125, the interface providing unit 415 is the manager terminal 465. Corresponding to a functional configuration (for example, a browser program or a credit rating evaluation item setting program) included in the credit rating evaluation item selection information is input (or selected) through the network means. Generate a predetermined credit rating evaluation item setting interface screen that can be transmitted to 400, and / or extracted from a predetermined database (not shown), and the generated (or extracted) credit in conjunction with the interface unit 405 Providing a rating evaluation item setting interface screen to the manager terminal 465 through the network means. It is characterized by.

Thereafter, the manager terminal 465 inputs (or selects) predetermined credit rating evaluation item selection information based on the credit rating evaluation item setting interface screen.

According to the implementation method of the present invention, the manager terminal 465 is the game information contained in the game company information (eg, the number of employees, the representative director, corporate organization chart) through the credit rating evaluation item setting interface screen It is desirable to choose whether to include or exclude the company's credit rating.

For example, when the company information is included in an item for evaluating the game company's credit rating, the credit rating engine 430 provided in the credit rating server 400 may determine the size of the number of employees included in the company information. Information used to evaluate a game company's credit rating, and / or use the CEO's credit rating (or experience) as information to evaluate the game company's credit rating, and / or the efficiency of decision making through the corporate organization chart. The information is used to evaluate the game company's credit rating.

In addition, the manager terminal 465 includes stock listing information (eg, transaction number, shareholder information) included in the game company information through the credit rating evaluation item setting interface screen in an item for evaluating the game company's credit rating. It is desirable to choose whether to exclude or to exclude.

For example, when the stock listing information is included in an item for evaluating the game company's credit rating, the credit rating evaluation engine 430 provided in the credit rating server 400 may determine a transaction number included in the stock listing information. Information for evaluating the game company's credit rating based on share price fluctuation information during a given period of the game company in connection with a predetermined securities company server (for example, a server providing stock information for a game company corresponding to the credit rating evaluation target). And / or credit information of the major shareholders included in the game company's shareholders based on the shareholder information as information for evaluating the game company's credit rating.

In addition, the manager terminal 465 may include investment asset information (eg, investment property, investment stock, bond, commercial paper, CD, etc.) included in the financial statement parameter information through the credit rating evaluation item setting interface screen. ) May be included or excluded from the evaluation of the game company's credit rating.

For example, when the investment information is included in the item for evaluating the game company's credit rating, the credit rating engine 430 provided in the credit rating server 400 may be used for the purpose of investment included in the investment information. Use the valuation information of the real estate (e.g., the valuation information obtained from the real estate server that provides the valuation information on the real estate) as information for evaluating the game company's credit rating, and / or the stock for investment purposes, Valuation information on bonds, commercial papers, CDs, and the like (for example, valuation information confirmed from a financial information server that provides valuation information on the financial investment information) is used as information for evaluating the game company's credit rating.

In addition, the manager terminal 465 stores the tangible asset information (eg, factory, land, building, machine, etc.) included in the financial statement parameter information through the credit rating evaluation item setting interface screen. It is preferable to select whether to include or exclude in the item to be evaluated.

For example, when the tangible asset information is included in the item for evaluating the game company's credit rating, the credit rating engine 430 provided in the credit rating server 400 is connected to a predetermined court server to connect the tangible asset. Registered document information about factories, lands, buildings, machinery, etc. included in the information, and / or valuation information of the real estate included in predetermined tangible asset information (e.g., confirmation from a real estate server that provides valuation information on the real estate). Value evaluation information) is used as information for evaluating the game company's credit rating.

In addition, the manager terminal 465 is a legal property such as intangible asset information (eg, goodwill, patent rights, utility model rights, design rights, underground rights, mining rights) included in the financial statement parameter information through the credit rating evaluation item setting interface screen Right) to be included in an item evaluating the credit rating of the game company or excluded.

For example, if the intangible asset information is included in an item for evaluating the game company's credit rating, the credit rating evaluation engine 430 provided in the credit rating server 400 may include goodwill and patent rights included in the intangible asset information. Valuation information on legal rights such as utility model rights, design rights, underground rights, and mining rights (e.g., from the server that conducts the valuation of the intangible assets (not shown, servers of the KIPO, KIIT server, etc.)). Value evaluation information) is used as information for evaluating the game company's credit rating.

In addition, the manager terminal 465 is the member information included in the game operation parameter information (for example, the total number of members information, paid member information, free member information, member information is the total member growth rate through the credit rating evaluation item setting interface screen) Information, paid member increase rate information, paid member conversion rate information, etc.) is preferably selected to include or exclude the rating of the game company credit rating.

According to an embodiment of the present invention, information that is ambiguous, such as total member information and / or free member information, among the member information included in the game operation parameter information may be provided in the credit rating server 400. The evaluation engine 430 may exclude the information for evaluating the game company's credit rating.

In addition, the manager terminal 465, through the credit rating evaluation item setting interface screen, the charging method information included in the game operation parameter information (e.g., the flat rate charging method, the charging method per connection, the charging method per connection time, etc.) It is preferable to select whether to include or exclude the item in the evaluation of the credit rating of the game company.

According to an exemplary embodiment of the present invention, among the charging method information included in the game operation parameter information, the charging method which is not applied to the game operation is performed by the credit rating engine 430 provided in the credit rating server 400. It is advisable to exclude the information of the game company's credit rating.

In addition, the manager terminal 465 is credited with the game company's credit to the game access information (e.g., access number information, access time information, etc.) included in the game operation parameter information through the credit rating evaluation item setting interface screen It is desirable to choose whether to include or exclude a rating.

According to the method of the present invention, the game access information corresponding to the charging method that is not applied to the game operation of the game access information included in the game operation parameter information is provided in the credit rating server 400 credit rating evaluation In the engine 430, it is preferable to exclude the information to evaluate the credit rating of the game company.

When at least one credit rating item selection information is input (or selected) as described above, the manager terminal 465 evaluates the credit rating item selection information through the network means. Send to server 400.

When the information receiving unit 420 inputs (or selects) predetermined credit rating evaluation item selection information through the credit rating evaluation item setting interface screen from the manager terminal 465, the information receiving unit 420 is associated with the interface unit 405. And the credit rating evaluation item selection information is received through the network means, and the received credit rating evaluation item selection information is provided to the evaluation item setting unit 425.

When the credit rating evaluation item selection information is received through the information receiving unit 420, the evaluation item setting unit 425 reads the credit rating evaluation item selection information and stores the game company information stored in the storage medium 125. Identifying at least one evaluation item selected for evaluating the game company's credit rating among at least one financial statement parameter information and game operation parameter information, and selected from the storage medium 125 in response to the credit rating evaluation item selection information; Extracting parameter information corresponding to at least one evaluation item and providing the same to the credit rating evaluation engine 430 provided in the credit rating server 400.

Referring to FIG. 4, the credit rating server 400 for evaluating the credit rating of the game company is provided with the game company information provided in response to the credit rating evaluation item selection information through the evaluation item setting unit 425. Credit that analyzes at least one financial statement parameter information and game operation parameter information to generate cash flow analysis information and / or corporate analysis information and / or financial statement analysis information for the game company to be rated Characterized in that it comprises a rating engine 430, the credit rating evaluation engine 430 is at least one or more game management provided corresponding to the credit rating evaluation item selection information through the evaluation item setting unit 425 Cash flow analysis unit for generating cash flow analysis information for the game company subject to the credit rating evaluation by analyzing the parameter information And 445.

According to an embodiment of the present invention, the credit rating evaluation engine 430 analyzes the game company information provided corresponding to the credit rating evaluation item selection information through the evaluation item setting unit 425 to evaluate the credit rating. Analyzing at least one financial statement parameter information provided corresponding to the credit rating evaluation item selection information through the company information analysis unit 435 and the evaluation item setting unit 425 to generate company analysis information on the target game company. It is preferable that the financial statement analysis unit 440 for generating financial statement analysis information for the credit rating target game company.

The cash flow analysis unit 445 included in the credit rating engine 430 is included in the game operation parameter information provided by the evaluation item setting unit 425 corresponding to the credit rating evaluation item selection information. Member information (e.g., total member information, paid member information, free member information, etc.), and billing method information applied to the game operated by the game company (e.g., a flat fee charging method, a charging method per connection, and a charging time per connection). At least one or more games operated by the game company using the billing method applied to the game among the methods and game access information corresponding to the billing method (for example, information on the number of paid members, access time information, etc.) as parameter information. Analyzes the cash flows from the time of development and beta testing to the present, and generates predetermined cash flow analysis information corresponding to the cash flow analysis Characterized in that.

In addition, the cash flow analysis unit 445 is the member information included in the game operation parameter information provided by the evaluation item setting unit 425 corresponding to the credit rating evaluation item selection information (eg, the member information is the total number of members). Increase rate information, paid member increase rate information, paid member conversion rate information, etc., and the charging method information (e.g., a flat rate charging method, a charging method per connection, and a charging method per connection time) applied to the game operated by the game company. Future loans for at least one game operated by the game company using the billing method applied to the billing method) and game access information corresponding to the billing method (e.g., access number information of a paid member, access time information, etc.) as parameter information. Analyzing (or forecasting) cash flows over a period of time, and predetermined cash flow analysis information corresponding to the cash flow analysis (or forecasting) It characterized in that it generates.

According to an embodiment of the present invention, the cash flow analysis unit 445 may include the member information, the charging method information, and the game access information in DCF (Discount Cash Flow) logic, and / or Debt Service Coverage Ratio (DSCR) logic. And / or convert it into a parameter that is input to at least one or more cash flow analysis logics of Loan Life Coverage Ratio (LLCR) logic, and / or LTV logic, and / or DURATION logic, and / or IRR (MIRR) logic. The parameters may be stored in the Discretion Cash Flow (DCF) logic, and / or Debt Service Coverage Ratio (DSCR) logic, and / or Loan Life Coverage Ratio (LLCR) logic, and / or LTV logic, and / or WAL (DURATION). By substituting at least one or more cash flow analysis logic of logic and / or IRR (MIRR) logic, it is preferable to generate cash flow analysis information based on the member information, the charging method information and the game access information.

Those skilled in the art to which the present invention pertains may include the Discretion Cash Flow (DCF) logic, and / or Debt Service Coverage Ratio (DSCR) logic, and / or Loan Life Coverage Ratio (LLCR) logic, and / Or a cash flow analysis method for the cash flow analysis logic including at least one of LTV logic, and / or WAL (DURATION) logic, and / or IRR (MIRR) logic. Omit.

The company information analyzing unit 435 included in the credit rating engine 430 is a company included in the game company information provided by the evaluation item setting unit 425 corresponding to the credit rating evaluation item selection information. The company analysis information on the credit rating evaluation target game company is generated by using the information (eg, the number of employees, the representative director, the corporate organization chart) as parameter information.

According to an embodiment of the present invention, the company information analyzing unit 435 uses the number of employees included in the company information as parameter information for evaluating the game company's credit rating. It is desirable to generate analysis information.

Alternatively, the company information analysis unit 435 may use the representative director's credit rating (or career) as information for evaluating the game company's credit rating, and / or the decision making efficiency through the corporate organization chart. It is preferable to generate corporate analysis information on the game company subject to credit rating using the rating information as parameter information.

As those skilled in the art to which the present invention pertains, the enterprise information analysis unit 435 will be familiar with how to generate the company analysis information using the company information of the game company, Description is omitted for convenience.

In addition, the enterprise information analysis unit 435 is the stock listing information (eg, transaction number, shareholder information included in the game company information provided by the evaluation item setting unit 425 corresponding to the credit rating evaluation item selection information) ) Is used as parameter information to generate corporate analysis information about the credit rating target game company.

According to the implementation method of the present invention, the enterprise information analysis unit 435 is based on the transaction number included in the stock listing information, a predetermined securities company server (for example, stock information for the game company corresponding to the credit rating evaluation target) It is preferable to generate the company analysis information for the credit rating target game company using the stock price fluctuation information as a parameter information for evaluating the credit rating of the game company during the given period of the game company in conjunction with the (providing server).

Alternatively, the company information analyzing unit 435 uses the credit rating information of the major shareholders included in the shareholders of the game company as the information for evaluating the credit rating of the game company, based on the shareholder information, to the game company targeted for the credit rating evaluation. It is desirable to generate company analysis information.

Those skilled in the art to which the present invention pertains, since the company information analysis unit 435 will be familiar with how to generate the company analysis information using the stock listing information of the game company, Detailed description is omitted for convenience.

The financial statement analysis unit 440 included in the credit rating engine 430 may include at least one financial statement parameter information provided by the evaluation item setting unit 425 corresponding to the credit rating evaluation item selection information. The financial statement analysis information for the game companies subject to the credit rating is generated using the included investment asset information (for example, real estate for investment purposes, stocks for investment purposes, bonds, commercial notes, CDs, etc.) as parameter information. It is done.

According to the implementation method of the present invention, the financial statement analysis unit 440 is confirmed from the real estate server that provides the valuation information (eg, valuation information for the real estate) of the real estate for investment included in the investment information Value analysis information) is used as parameter information for evaluating the credit rating of the game company to generate corporate analysis information on the credit rating subject game company.

Alternatively, the financial statement analysis unit 440 is a value that is identified from the financial information server that provides the valuation information (for example, the valuation information on the financial investment information, stocks, bonds, commercial paper, CD, etc.) of the investment purpose It is preferable to generate corporate analysis information on the game company to be evaluated for credit rating by using the evaluation information) as parameter information for evaluating the game company's credit rating.

As those skilled in the art to which the present invention pertains, the financial statement analysis unit 440 will be familiar with how to generate the financial statement analysis information using the investment company information of the game company. Detailed description thereof will be omitted for convenience.

In addition, the financial statement analyzing unit 440 may include tangible asset information (eg, factory, etc.) included in at least one or more financial statement parameter information provided by the evaluation item setting unit 425 corresponding to the credit rating evaluation item selection information. Land, building, machinery, etc.) as the parameter information, characterized in that the financial statement analysis information for the credit rating evaluation game company is generated.

According to the implementation method of the present invention, the financial statement analysis unit 440 is linked to a predetermined court server, registered document information about the factory, land, buildings, machines, etc. contained in the property information, and / or a predetermined type The credit rating is evaluated by using the valuation information of the real estate included in the asset information (for example, the valuation information confirmed from the real estate server providing the valuation information on the real estate) as parameter information for evaluating the game company's credit rating. It is desirable to generate company analysis information for the target game company.

As those skilled in the art to which the present invention pertains, the financial statement analysis unit 440 will be familiar with how to generate the financial statement analysis information using the tangible asset information of the game company. The detailed description is omitted for convenience.

In addition, the financial statement analysis unit 440 may include intangible asset information (eg, goodwill, included in at least one financial statement parameter information provided by the evaluation item setting unit 425 corresponding to the credit rating evaluation item selection information). Legal rights such as patent rights, utility model rights, design rights, underground rights, mining rights)) as the parameter information, characterized in that the financial statement analysis information for the credit rating evaluation game company is generated.

According to the implementation method of the present invention, the financial statement analysis unit 440 is a value evaluation information (for example, legal rights, such as goodwill, patents, utility model rights, design rights, underground rights, mining rights included in the intangible asset information) The credit rating evaluation target using the server that performs the valuation of the intangible asset (value evaluation information confirmed from the city omission, the Patent Office server, the Technical Information Evaluation Server, etc.) as parameter information for evaluating the game company's credit rating. It is desirable to generate company analysis information about the game company.

As those skilled in the art to which the present invention pertains, the financial statement analysis unit 440 will be familiar with how to generate the financial statement analysis information using the intangible asset information of the game company. Detailed description thereof will be omitted for convenience.

According to the method of the present invention, the credit rating evaluation engine 430 at least one or more through the cash flow analysis unit 445 and / or corporate information analysis unit 435 and / or financial statement analysis unit 440 When cash flow analysis information and / or corporate analysis information and / or financial statement analysis information is generated, the interface providing unit 415 may generate the at least one or more cash flow analysis information and / or corporate analysis information and / or financial statement. It is preferable to generate (or extract) analysis information and a user interface for requesting approval of the analysis information and provide the analysis information to the manager terminal 465 in association with the interface unit 405, and the information receiving unit 420. Manager for the cash flow analysis information and / or corporate analysis information and / or financial statement analysis information from the manager terminal 465 in conjunction with the interface unit 405 It is desirable to receive the information.

Referring to FIG. 4, the credit rating server 400 may include at least one of the cash flow analyzing unit 445 and / or the corporate information analyzing unit 435 and / or the financial statement analyzing unit 440. Credit rating calculation unit 450 for calculating credit rating information for the game company using at least one or more cash flow analysis information and / or corporate analysis information and / or financial statement analysis information generated by the rating engine 430 And an information storage unit 455 for storing the game company's credit rating information calculated by the credit rating calculator 450 and the game company information in a predetermined credit rating D / B 460. Characterized in that made.

The credit rating calculator 450 includes at least one of the cash flow analysis unit 445 and / or the corporate information analysis unit 435 and / or the financial statement analysis unit 440. Generating at least one or more cash flow analysis information and / or corporate analysis information and / or financial statement analysis information, the generated at least one or more cash flow analysis information and / or corporate analysis information and / or financial statement analysis information It is characterized by calculating the credit rating information for the game company by scoring a.

According to the implementation method of the present invention, the credit rating calculation unit 450 processes the cash flow analysis information of the cash flow analysis information and / or corporate analysis information and / or financial statement analysis information as a key factor (for example, It is desirable to calculate the credit rating information for the game company by giving more weight than other analysis information.

According to the exemplary embodiment of the present invention, the credit rating calculator 450 receives manager approval information for the cash flow analysis information and / or corporate analysis information and / or financial statement analysis information from the manager terminal 465. In this case, it is preferable to calculate the credit rating information for the game company by scoring the cash flow analysis information and / or corporate analysis information and / or financial statement analysis information.

When the credit rating information for the game company calculated by the credit rating calculator 450 is calculated, the information storage unit 455 links the calculated credit rating information with the game company information to provide a predetermined credit. Store in class D / B (460).

According to the method of the present invention, the credit rating D / B 460 is preferably provided in the DBMS provided in the credit rating server 400, or ledger information stored in the ledger D / B on the financial system Of which it is possible to be included in the credit related ledgers for the game company, whereby the present invention is not limited.

5 is a diagram illustrating a credit rating evaluation item setting process for rating a game company's credit rating according to an embodiment of the present invention.

In more detail, FIG. 5 shows that the administrator terminal 465 on the game company credit rating system shown in FIG. 4 accesses the credit rating server 400 through a predetermined network means, and the credit rating server 400 ) Provides a user interface for selecting at least one credit rating item to be analyzed through the credit rating engine 430 provided at the), and at least one credit rating item from the manager terminal 465 through the user interface. Receiving the selection information, and extracting the parameter information corresponding to the credit rating evaluation item selection information from the storage medium 125 shown in Figure 4, having a common knowledge in the art If it grows, refer to and / or modify this figure 5 to set credit rating evaluation items for game company credit rating It will be able to infer a variety of exemplary methods for the tablet or, in the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 4.

Hereinafter, in FIG. 5, a credit rating server 400 on the game company credit rating system shown in FIG. 4 is referred to as a "server" for convenience, and a manager terminal on the game company credit rating system shown in FIG. 465) is called a "terminal" for convenience.

Referring to FIG. 5, the terminal on the game company credit rating system shown in FIG. 4 may set at least one credit rating evaluation item to be analyzed through a credit rating engine 430 provided in the server. 500 is connected to the server through a means to establish a communication channel for setting credit rating criteria.

According to the exemplary embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in as an administrator from the terminal to the server.

When the communication channel for the game company's credit rating is connected between the terminal and the server as described above, the terminal requests the server to the credit rating evaluation item setting interface screen for the game company's credit rating through the communication channel; Correspondingly, the server stores game company information corresponding to the credit rating target game company, at least one financial statement parameter information, and game operation parameter information from the storage medium 125 shown in FIG. Extract (x10) and include the extracted game company information, at least one financial statement parameter information, and game operation parameter information, wherein the game company information includes at least one of the game company information, at least one financial statement parameter information, and game operation parameter information. Enter at least one credit rating item to evaluate the credit rating (and Generate (or extract) a credit rating evaluation item setting interface screen including a user interface (optional) (515) and transmit the generated (or extracted) credit rating evaluation item setting interface screen to the terminal through the communication channel. (520).

Thereafter, the terminal outputs the game company information, at least one financial statement parameter information and game operation parameter information to the screen output means provided in the terminal through the credit rating evaluation item setting interface screen (525), and the credit Credit rating items including parameter information to be included in the game company's credit rating items of the game company information, at least one or more financial statement parameter information and game operation parameter information through a user interface for inputting (or selecting) a rating item A process of inputting (or selecting) selection information is performed (525).

According to an embodiment of the present invention, the terminal evaluates the credit rating of the game company by the company information (eg, the number of employees, the representative director, the corporate organization chart) included in the game company information through the credit rating evaluation item setting interface screen. It is preferable to select whether to include or exclude the item.

For example, when the company information is included in an item for evaluating the game company's credit rating, the credit rating evaluation engine 430 provided in the server evaluates the game company's credit rating based on the number of employees included in the company information. Information used to evaluate the game company's credit rating, and / or the efficiency of decision making through the corporate organization chart. Use it to evaluate information.

In addition, the terminal includes or excludes stock listing information (eg, transaction number and shareholder information) included in the game company information through the credit rating evaluation item setting interface screen in an item for evaluating the game company's credit rating. It is desirable to choose whether or not.

For example, if the stock listing information is included in the item for evaluating the game company's credit rating, the credit rating evaluation engine 430 provided in the server is based on a transaction number included in the stock listing information. (E.g., a server that provides stock information for a game company corresponding to the credit rating target), using the stock price fluctuation information during a given period of the game company as information for evaluating the credit rating of the game company, and / Alternatively, based on the shareholder information, the credit information of the major shareholders included in the shareholders of the game company is used as information for evaluating the game company's credit rating.

In addition, the terminal, through the credit rating evaluation item setting interface screen, the game investment information (eg, investment real estate, investment stocks, bonds, commercial paper, CD, etc.) included in the financial statement parameter information It is desirable to choose whether to include or exclude the company's credit rating.

For example, when the investment company information is included in the item for evaluating the game company's credit rating, the credit rating evaluation engine 430 provided in the server may evaluate the value of the real estate value for investment purpose included in the investment property information ( For example, the valuation information obtained from the real estate server that provides the valuation information on the real estate) is used as information for evaluating the game company's credit rating, and / or the stock, bond, commercial paper, CD for the investment purpose. Value evaluation information (e.g., valuation information confirmed from a financial information server that provides valuation information on the financial investment information) is used as information for evaluating the game company's credit rating.

In addition, the terminal includes the tangible asset information (eg, factories, land, buildings, machinery, etc.) included in the financial statement parameter information through the credit rating evaluation item setting interface screen in an item for evaluating the credit rating of the game company. It is desirable to choose whether to exclude or exclude.

For example, if the tangible asset information is included in an item for evaluating the game company's credit rating, the credit rating evaluation engine 430 provided in the server may be connected to a predetermined court server to include a factory included in the tangible asset information. Registered document information on land, buildings, machinery, etc., and / or valuation information of real estate included in predetermined tangible asset information (e.g., valuation information confirmed from a real estate server that provides valuation information on the real estate). The information is used to evaluate the game company's credit rating.

In addition, the terminal receives intangible asset information (eg, legal rights such as goodwill, patent rights, utility model rights, design rights, underground rights, mining rights) included in the financial statement parameter information through the credit rating evaluation item setting interface screen. It is desirable to choose whether or not to include or exclude the game company's credit rating.

For example, when the intangible asset information is included in an item for evaluating the game company's credit rating, the credit rating evaluation engine 430 provided in the server may include a goodwill, a patent right, a utility model right, a design right, Recalling valuation information on legal rights such as underground rights and mining rights (e.g., valuation information confirmed from a server performing valuation of the intangible asset (not shown, server of the JPO, KIIT server, etc.)). Used to evaluate game company credit rating.

In addition, the terminal through the credit rating evaluation item setting interface screen member information included in the game operation parameter information (for example, the total number of members information, paid member information, free member information, member information is the total membership growth rate information, the number of paid members Increase rate information, paid member conversion rate information, etc.) is preferably selected to include or exclude the item of the game company credit rating.

According to an embodiment of the present invention, information that is ambiguous, such as total membership information and / or free membership information, among the member information included in the game operation parameter information may be stored in the credit rating evaluation engine 430 provided in the server. The game company may be excluded from the information rating the credit rating.

In addition, the terminal through the credit rating evaluation item setting interface screen the charging method information (eg, the charging method, the charging method per connection, the charging method per connection time, etc.) included in the game operation parameter information of the game company It is desirable to choose whether to include or exclude credit rating items.

According to an embodiment of the present invention, among the charging method information included in the game operation parameter information, the charging method not applied to the game operation is evaluated by the credit rating evaluation engine 430 provided in the server to evaluate the credit rating of the game company. It is desirable to exclude the information.

In addition, the terminal evaluates the game company's credit rating of the game access information (eg, the number of access information of the paid member, access time information, etc.) included in the game operation parameter information through the credit rating evaluation item setting interface screen It is desirable to choose whether to include or exclude items.

According to the exemplary embodiment of the present invention, the game access information corresponding to the charging method not applied to the game operation among the game access information included in the game operation parameter information is stored in the credit rating evaluation engine 430 provided in the server. It is advisable to exclude the information of the game company's credit rating.

If the credit rating evaluation item selection information is input (or selected) in the terminal (535), the terminal transmits the credit rating evaluation item selection information to the server through the communication channel (540), and correspondingly The server reads the received credit rating evaluation item selection information from the received credit rating evaluation item selection information, and among the game company information stored in the storage medium 125, at least one or more financial statement parameter information and game operation parameter information. Identify at least one evaluation item selected to evaluate the credit rating of the game company, extract parameter information corresponding to the at least one evaluation item selected corresponding to the credit rating evaluation item selection information from the storage medium 125, and 545, at least one selected in response to the credit rating evaluation item selection information Parameter information corresponding to the evaluation item is provided to the credit rating evaluation engine 430 provided in the server (550).

6 is a diagram illustrating a credit rating evaluation process of a game company according to an embodiment of the present invention.

In more detail, Figure 6 is a credit rating evaluation engine 430 provided in the credit rating server 400 on the game company credit rating system shown in Figure 4 is a credit rating evaluation item setting process shown in Figure 5 When at least one parameter information corresponding to the credit rating evaluation item selection information is provided through, the credit rating evaluation engine 430 for the process of evaluating the credit rating of the game company through the parameter information, the present invention Those skilled in the art will be able to infer various implementation methods for the credit rating evaluation process of the game company by referring to and / or modifying the drawing 6, but the present invention is all inferred implementation methods It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the credit rating server 400 on the game company credit rating system shown in FIG. 4 is referred to as " server " for convenience, and the credit rating evaluation on the game company credit rating system shown in FIG. The credit rating evaluation engine 430 provided in the server 400 is called "evaluation engine" for convenience, and the manager terminal 465 on the game company credit rating evaluation system shown in FIG. 4 is called "terminal" for convenience.

Referring to FIG. 6, when at least one parameter information corresponding to the credit rating evaluation item selection information is provided to the evaluation engine through the credit rating evaluation item setting process shown in FIG. In operation 600, the at least one parameter information includes at least one game operation parameter information.

If at least one game operation parameter information is not included in the parameter information (605), the server generates predetermined game operation parameter error information (eg, error information without game operation parameter information in parameter information). In step 610, the terminal repeats the credit rating evaluation item setting process shown in FIG.

On the other hand, if the parameter information includes at least one game operation parameter information (605), the evaluation engine as the cash flow analysis parameter that can be substituted into the at least one or more cash flow analysis logic In operation 620, the at least one cash flow analysis information corresponding to the game operation parameter information is generated by replacing the converted cash flow analysis parameter with at least one cash flow analysis logic.

According to the implementation method of the present invention, the evaluation engine, member information included in the game operation parameter information provided in response to the credit rating evaluation item selection information (e.g., total membership information, paid membership information, free membership information, etc.) ), The charging method information applied to the game operated by the game company (for example, the charging method applied to the game among the flat rate charging method, the charging method per connection, the charging method per connection time) and the charging method corresponding to Analyzing cash flows from the time of development and beta testing of at least one game operated by the game company to the present day using game access information (eg, the number of paid member access information, access time information, etc.) as parameter information; And generating predetermined cash flow analysis information corresponding to the cash flow analysis.

In addition, the evaluation engine is the member information included in the game operation parameter information provided in response to the credit rating evaluation item selection information (for example, the member information is the total membership growth rate information, the paid member growth rate information, the paid member conversion rate information, etc.) And a charging method information (for example, a charging method applied to the game among a flat rate charging method, a charging method per connection, and a charging method per connection time) applied to the game operated by the game company, and a game corresponding to the charging method. Analyzing (or predicting) a cash flow during a future loan period for at least one or more games operated by the game company using the access information (eg, the number of paid member access information, access time information, etc.) as parameter information, and And generating predetermined cash flow analysis information corresponding to the cash flow analysis (or prediction).

According to an embodiment of the present invention, the evaluation engine may include the member information, the charging method information, and the game access information in DCF logic, DCD logic, and / or Debt Service Coverage Ratio (DSCR) logic, and / or LLCR (Loan). After converting the parameter into an inputtable parameter to cash flow analysis logic of at least one of Life Coverage Ratio) logic, and / or LTV logic, and / or WAL (DURATION) logic, and / or IRR (MIRR) logic. Discrete Cash Flow (DCF) logic, and / or Debt Service Coverage Ratio (DSCR) logic, and / or Loan Life Coverage Ratio (LLCR) logic, and / or LTV logic, and / or WAL (DURATION) logic, and / or By substituting at least one or more cash flow analysis logic of the IRR (MIRR) logic, it is preferable to generate the cash flow analysis information based on the member information, the charging method information and the game access information.

Those skilled in the art to which the present invention pertains may include the Discretion Cash Flow (DCF) logic, and / or Debt Service Coverage Ratio (DSCR) logic, and / or Loan Life Coverage Ratio (LLCR) logic, and / Or a cash flow analysis method for the cash flow analysis logic including at least one of LTV logic, and / or WAL (DURATION) logic, and / or IRR (MIRR) logic. Omit.

If at least one cash flow analysis information corresponding to the game operation parameter information is not generated (e.g., an error occurs in generating cash flow analysis information) (625), the server may determine predetermined game operation parameter error information (e.g., Cash flow analysis information generation error information through game operation parameter information) is generated and transmitted to the terminal (610), and the terminal repeats the credit rating evaluation item setting process shown in FIG.

On the other hand, if at least one cash flow analysis information corresponding to the game operation parameter information is normally generated (625), the server provides at least one or more parameters provided to the evaluation engine through the credit rating evaluation item setting process shown in FIG. It is checked whether the information includes at least one game company information (630).

If at least one game company information is included in the parameter information (635), the evaluation engine generates company analysis information for the game company by substituting the game company information into predetermined information analysis logic (640). .

According to the implementation method of the present invention, the evaluation engine, the company information included in the game company information provided in response to the credit rating evaluation item selection information (for example, the number of employees, CEO, corporate organization chart) as parameter information It is characterized in that to generate the company analysis information for the credit rating target game company.

According to an embodiment of the present invention, the evaluation engine generates company analysis information on the credit rating target game company using the number of employees included in the corporate information as parameter information for evaluating the credit rating of the game company. It is preferable.

Alternatively, the evaluation engine may use the representative director's credit rating (or career) as information for evaluating the game company's credit rating, and / or the efficiency of decision making through the corporate organization chart. It is preferable to generate the company analysis information on the game company subject to the credit rating using the information.

Those skilled in the art to which the present invention pertains, since the evaluation engine will be familiar with how to generate the company analysis information using the company information of the game company, a detailed description thereof will be omitted for convenience. .

Also, the rating engine uses the stock listing information (eg, transaction number and shareholder information) included in the game company information provided corresponding to the credit rating evaluation item selection information as the parameter information. Characterized in that it generates a company analysis information for.

According to an embodiment of the present invention, the valuation engine is a securities company server based on the transaction number included in the stock listing information (eg, a server that provides stock information for a game company corresponding to the credit rating evaluation target). It is preferable to generate corporate analysis information on the credit rating target game company using the stock price fluctuation information as parameter information for evaluating the credit rating of the game company during a given period of the game company in association with.

Alternatively, the evaluation engine uses the company's credit rating information included in the shareholders of the game company as the information for evaluating the game company's credit rating based on the shareholder information to use the company analysis information on the game company subject to the credit rating evaluation. It is desirable to produce.

Those skilled in the art to which the present invention pertains, since the valuation engine will be familiar with how to generate the company analysis information using the stock listing information of the game company, a detailed description thereof will be omitted for convenience. do.

On the other hand, if at least one of the game company information is not included in the parameter information (635), the evaluation engine does not perform the process of generating company analysis information through the game company information, the credit rating evaluation shown in Figure 5 The item setting process determines whether at least one or more financial statement parameter information is included in at least one or more parameter information provided to the valuation engine (645).

If the parameter information includes at least one financial statement parameter information (650), the evaluation engine generates the financial statement analysis information for the financial statement parameters by substituting the game company information into predetermined information analysis logic ( 655).

According to an exemplary embodiment of the present invention, the valuation engine may include investment asset information (eg, real estate for investment purposes and stocks for investment purposes) included in at least one financial statement parameter information provided corresponding to the credit rating evaluation item selection information. , Bond, commercial paper, CD, etc.) as the parameter information, characterized in that to generate the financial statement analysis information for the credit rating target game company.

According to the implementation method of the present invention, the valuation engine includes the valuation information of the real estate for investment purposes included in the investment asset information (for example, valuation information confirmed from a real estate server that provides valuation information on the real estate). It is preferable to generate corporate analysis information on the game company subject to the credit rating evaluation using the parameter information for evaluating the game company's credit rating.

Alternatively, the valuation engine reads valuation information (e.g., valuation information obtained from a financial information server that provides valuation information on the financial investment information) on stocks, bonds, commercial papers, CDs, etc. of the investment purpose. It is preferable to generate the company analysis information for the game company subject to the credit rating evaluation using the parameter information for evaluating the game company's credit rating.

Those skilled in the art to which the present invention pertains, since the evaluation engine will be familiar with how to generate the financial statement analysis information using the investment company information of the game company, a detailed description thereof is for convenience Omit.

In addition, the valuation engine uses the tangible asset information (eg, factory, land, building, machinery, etc.) included in at least one financial statement parameter information provided corresponding to the credit rating valuation item selection information. Characterized in that the financial statement analysis information for the game companies subject to credit rating evaluation.

According to the implementation method of the present invention, the evaluation engine is included in the registration document information on the factory, land, building, machinery, etc. included in the property, plant and equipment information, and / or the property, plant and equipment included in the property information in connection with a predetermined court server. The real estate valuation information (for example, the valuation information confirmed from the real estate server that provides the valuation information on the real estate) is used as parameter information for evaluating the game company's credit rating to the game company subject to the credit rating evaluation. It is desirable to generate company analysis information.

Those skilled in the art to which the present invention pertains, since the valuation engine will be familiar with how to generate the financial statement analysis information using the tangible asset information of the game company, a detailed description thereof is for convenience. Omit.

In addition, the evaluation engine may provide intangible asset information (eg, goodwill, patent rights, utility model rights, design rights, underground rights, mining rights, etc.) included in at least one financial statement parameter information provided corresponding to the credit rating evaluation item selection information. Prize rights) as the parameter information, characterized in that the financial statement analysis information for the credit rating evaluation target game company is generated.

According to the method of the present invention, the valuation engine includes valuation information on legal rights such as goodwill, patents, utility model rights, design rights, underground rights, and mining rights included in the intangible asset information (eg, for intangible assets). The company for the credit rating target game company using the server that performs the valuation (value valuation information verified from the city, the Patent Office server, the Technical Information Evaluation Server, etc.) as parameter information for evaluating the game company's credit rating. It is desirable to generate analysis information.

Those skilled in the art to which the present invention pertains, since the valuation engine will be familiar with how to generate the financial statement analysis information using the intangible asset information of the game company, a detailed description thereof is for convenience. Omit.

On the other hand, if at least one financial statement parameter information is not included in the parameter information (650), the evaluation engine does not perform a process of generating financial statement analysis information through the financial statement parameter information.

As described above, when analysis information including at least one or more cash flow analysis information and / or corporate analysis information and / or financial statement analysis information is generated through the evaluation engine, the server may generate at least one or more cash generated through the evaluation engine. A user interface including flow analysis information and / or corporate analysis information and / or financial statement analysis information, and requesting administrator approval for the cash flow analysis information and / or corporate analysis information and / or financial statement analysis information. A manager approval interface screen is generated (or extracted) (660), and the manager approval interface screen is transmitted to the terminal through the communication channel (665).

Thereafter, the terminal determines whether predetermined manager approval information regarding the cash flow analysis information and / or the company analysis information and / or the financial statement analysis information is input through the manager approval interface screen (670).

If the predetermined administrator approval information is not input through the manager approval interface screen (675), the terminal generates predetermined manager unauthorized information and transmits the predetermined manager unauthorized information to the server through the communication channel (680). The server repeats the credit rating evaluation item setting process shown in FIG.

On the other hand, if predetermined manager approval information is not input through the manager approval interface screen (675), the terminal transmits the manager approval information input through the manager approval interface screen to the server through the communication channel (685). Correspondingly, the server calculates the credit rating information for the game company by converting at least one or more cash flow analysis information and / or corporate analysis information and / or financial statement analysis information generated by the evaluation engine into scores. In operation 690, the game company information and the calculated credit rating information are linked to each other and stored in a predetermined credit rating D / B 460 (695).

According to the method of the present invention, the credit rating D / B 460 is preferably provided in the DBMS provided in the credit rating server 400, or ledger information stored in the ledger D / B on the financial system Of which it is possible to be included in the credit related ledgers for the game company, whereby the present invention is not limited.

According to the present invention, a useful credit rating for loaning a predetermined amount from a predetermined financial institution to the game developer and / or game publishing company through a model of a credit rating suitable for a specific company such as a game developer and / or a game publishing company Loan grade).

Claims (5)

Member information including one or more total membership, paid membership, and free membership for at least one or more games operated by the credit rating evaluation target game company (or game publishing company) on the server, and the flat fee charging method for the game. Game operation parameters including one or more charging method information including one charging method per connection, one or more charging methods per connection time, and one or more game access information including one or more game access number and access time of a game member for a certain period of time. Game operation parameter information receiving step of receiving information; A credit rating evaluation item setting step of setting at least one credit rating evaluation item for evaluating a credit rating (or loan rating) of the game company (or game publishing company) among the game operation parameter information through a manager terminal in a server; Analyzing the member information, the billing method information and the game access information included in the credit rating evaluation item in the server of the game company (or game publishing company) according to the operation of the game from the development or beta test time to the present A cash flow analysis information generation step of generating cash flow analysis information; Credit rating information calculation step of calculating the credit rating information for the game company (or game publishing company) by scoring the cash flow analysis information in the server; Game company (or game publishing company) credit characterized in that it comprises a Rating method. Member information including one or more total membership increase rate, paid member increase rate, and paid member conversion rate for at least one or more games operated by the credit rating evaluation target game company (or game publishing company) from the administrator terminal on the server; A billing method information including a billing method, a billing method per connection, at least one billing method per access time, and at least one game access information including at least one game access number and access time of a game member for a predetermined period. Receiving game operation parameter information for receiving game operation parameter information; A credit rating evaluation item setting step of setting at least one credit rating evaluation item for evaluating a credit rating (or loan rating) of the game company (or game publishing company) among the game operation parameter information through a manager terminal in a server; The server analyzes the member information, the billing method information, and the game access information included in the credit rating evaluation item, and analyzes the cash flow analysis information of the game company (or game publishing company) according to the operation of the game during the loan period from the present time. Generating cash flow analysis information; Credit rating information calculation step of calculating the credit rating information for the game company (or game publishing company) by scoring the cash flow analysis information in the server; Game company (or game publishing company) credit characterized in that it comprises a Rating method. The method according to claim 1 or 2, The game operation parameter information receiving step, Characterized in that the server further receives game company (or game publishing company) information including at least one or more company information and stock listing information for the credit rating evaluation target game company (or game publishing company) from the administrator terminal, The credit rating evaluation item setting step, Characterized in that the server further sets at least one credit rating evaluation item for evaluating the credit rating (or loan rating) of the game company (or game publishing company) among the received game company (or game publishing company) information. , The cash flow analysis information generation step, Characterized in that the server further analyzes the company information and the listing information included in the credit rating evaluation item to generate the company analysis information for the game company (or game publishing company), The credit rating information calculating step, The game company (or game publishing company) credit rating evaluation method characterized in that for calculating the credit rating information for the game company (or game publishing company) by scoring the enterprise analysis information in the server. The method according to claim 1 or 2, The game operation parameter information receiving step, In the server, financial statement parameter information including at least one of investment asset information, tangible asset information, intangible asset information, balance sheet information, and income statement information for the credit rating evaluation target game company (or game publishing company) from a server. Further receiving, The credit rating evaluation item setting step, And at least one credit rating evaluation item for evaluating a credit rating (or loan rating) of the game company (or game publishing company) among the financial statement parameter information in the server. The cash flow analysis information generation step, The server further analyzes the investment information, tangible asset information, intangible asset information, balance sheet information, and income statement information included in the credit rating evaluation item to further generate financial statement analysis information for the game company (or game publishing company). Characterized in that, The credit rating information calculating step, The game company (or game publishing company) credit rating method, characterized in that for calculating the credit rating information for the game company (or game publishing company) by scoring the financial statement analysis information at the server. Game operation parameter information including at least one member information, billing method information, game access information for at least one or more games operated by a credit rating target game company (or game publishing company), and the game company (or game publishing) G) game company (or game publishing company) information including at least one company information and stock listing information, investment asset information, tangible asset information, intangible asset information for the game company (or game publishing company), An evaluation that sets at least one credit rating evaluation item for evaluating the credit rating (or loan rating) of the game company (or game publishing company) among financial statement parameter information including at least one balance sheet information and income statement information. An item setting unit; Analyzing member information, billing method information, and game access information included in the set credit rating items, the cash of the game company (or game publishing company) according to the operation of the game from the time of development and beta testing of the game to the present. The game company (or game publishing company) according to the operation of the game during the loan period from the current point of time by generating flow analysis information or analyzing member information, billing method information, and game access information included in the set credit rating evaluation items. Cash flow analysis unit for generating the cash flow analysis information of; A company information analysis unit configured to generate company analysis information on the game company (or game publishing company) by analyzing the company information and the stock listing information included in the set credit rating evaluation item; A financial statement that analyzes investment information, tangible asset information, intangible asset information, balance sheet information, and income statement information included in the set credit rating evaluation items to generate financial statement analysis information for the game company (or game publishing company). A statement analysis unit; And a credit rating calculation unit configured to calculate the credit rating information for the game company (or game publishing company) by scoring the generated at least one cash flow analysis information, the company analysis information, and the financial statement analysis information. The game company (or game publishing company) credit rating server.

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