KR101666083B1 - System and method for evaluating loan based on sale credit - Google Patents

Abstract

According to an embodiment of the present invention, the sales receivable-loan evaluation system includes an open market server capable of generating sales attribution information and sales information, which are information on sales of registered products registered by a registered sales member through login information; Then, the sales member accesses the open market server with the login information of the sales member, scrapes the sales attribute information and the sales information of the sales member, and calculates a loan limit of the sales member using the sales attribute information and the sales information A possible loan evaluation server.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system and a method for evaluating a mortgage loan,

The present invention relates to a system and method for evaluating a commercial mortgage loan, and more particularly, to a system and method for evaluating a commercial mortgage loan based on a real-time analysis of a buyer property, a seller property, RISK) that can minimize the risk of a collateral loan.

It is called 'open market', an intermediary Internet shopping mall that sells products freely online by individuals and small-scale sellers beyond the usual way of selling malls. Gmarket, auction, and Interpark are the representative sites, and they earn commission income from users who register their products in return for providing the system. The open market can be sold at a lower price than the existing one because it can skip the intermediate distribution margin at the internet shopping mall.

These open markets allow open market companies that maintain open market systems to join a large number of sellers as sales members, allowing sellers to sell their products through open market online servers. The open market has a profit structure that receives a portion of the commodity price sold by the seller as a commission.

In addition, the open market has a variety of trading safety measures in order to ensure that the merchandise transaction contract between the seller and the buyer is established normally. For example, the seller does not pay the payment for the product until the purchaser's purchase decision is completed, and the payment is not paid to the seller for a predetermined period after the delivery of the product.

That is, it is general that an open market (auction, G market, etc.) receives the payment amount paid by the buyer first, and then deposits the amount to be paid to the account of the seller after a predetermined period (about 15 days on average) .

As described above, since the settlement price of the product is paid to the seller after a predetermined period because of the safety of the transaction, even if the seller has a high credit rating or the seller has a great deal of money, the problem of cash liquidity is often a problem.

Korean Patent Publication No. 10-2008-0104404 (Dec. 3, 2008)

A problem to be solved by the present invention is to provide a sales receivable-loan evaluation system and an evaluation method that enables a sales member to grasp whether or not a loan can be made according to a receivable in real time on a real-time basis.

Another problem to be solved by the present invention is to provide a system and method for evaluating a secured accounts receivable loan that can minimize the risk of a lending institution due to the sales receivable of a sales member.

Another object of the present invention is to provide a system and method for evaluating a commercial mortgage loan that enables a seller to select a desired lending institution and execute a loan.

According to an embodiment of the present invention, the sales receivable-loan evaluation system includes an open market server capable of generating sales attribution information and sales information, which are information on sales of registered products registered by a registered sales member through login information; Then, the sales member accesses the open market server with the login information of the sales member, scrapes the sales attribute information and the sales information of the sales member, and calculates a loan limit of the sales member using the sales attribute information and the sales information A possible loan evaluation server.

The loan evaluation server can calculate the loan limit of the sales member by calculating the coverage rate corresponding to the sales attribute information and the sales information of the sales member.

The sales attribute information may include a plurality of seller attribute information classified according to sales results of the sales member. At this time, the loan evaluation server can calculate the loan limit of the sales member by multiplying the sales information of the sales member by the coverage ratio corresponding to the seller attribute information.

The sales information may include individual sales information, which is a payment amount information of an order product for which the buyer has ordered the registered goods through the open market server. In addition, the sales attribute information may include shipping attribute information that is information on the delivery status of the order product. At this time, the loan evaluation server can calculate the loan limit of the sales member by adding up the individual loan limits, which are obtained by multiplying the individual sales information by the coverage ratio corresponding to the delivery attribute information.

The delivery attribute information may include at least one of a purchase settlement step, a pre-delivery step, a delivery step, a delivery completion step, a purchase approval step, and a settlement deposit step.

According to another embodiment of the present invention, the merchandise-secured-loan evaluation system includes an open market server capable of generating sales attribute information and sales information, which are information on sales of registered products registered by a registered sales member through login information; A sales member terminal capable of transmitting the login information, identification information of the sales member, and lending institution information selected by the sales member; A corporate information server capable of transmitting enterprise information corresponding to the identification information when the identification information is transmitted; Receiving the login information and the identification information from the sales member terminal, scraping the sales attribute information and the sales information of the sales member by accessing the open market server with the login information, A loan evaluation server which receives the company information from the company information server by transmitting information, transmits the sales attribute information, the sales information and the company information; And a lending institution server capable of calculating a lending ceiling of the sales member by using the sales attribute information, the sales information, and the company information transmitted from the lending evaluation server, and corresponding to the lending institution information .

The lending institution server can calculate the loan limit of the sales member by calculating the coverage rate corresponding to the sales attribute information and the sales information of the sales member.

The sales attribute information may include a plurality of seller attribute information classified according to sales results of the sales member. At this time, the lending institution server can calculate the loan limit of the sales member by multiplying the sales information of the sales member by the coverage ratio corresponding to the seller attribute information.

The sales information may include individual sales information, which is a payment amount information of an order product for which the buyer has ordered the registered goods through the open market server. In addition, the sales attribute information may include shipping attribute information that is information on the delivery status of the order product. At this time, the lending institution server can calculate the lending limit of the sales member by summing the individual lending limits obtained by multiplying the individual sales information by the collateral rate corresponding to the delivery attribute information.

The delivery attribute information may include at least one of a purchase settlement step, a pre-delivery step, a delivery step, a delivery completion step, a purchase approval step, and a settlement deposit step.

The identification information may include at least one of a resident registration number and a business number of the sales member.

The company information may include at least one of business information of the sales member, financial information, and the number of regular employees.

According to another embodiment of the present invention, a method for evaluating a commercial mortgage loan includes the steps of: generating sales attribution information and sales amount information, which are information on sales of registered products registered by a sales member registered through login information, Generating step; A scrapping step of the loan evaluation server accessing the open market server with the login information and scraping the sales attribute information and the sales amount information; And a calculation step of the loan evaluation server calculating a loan limit of the sales member using the sales attribute information and the sales amount information.

The calculating step may be a step of calculating the loan limit of the sales member by calculating the coverage rate corresponding to the sales attribute information and the sales information of the sales member.

The sales attribute information may include a plurality of seller attribute information classified according to sales results of the sales member. In this case, the calculating step may be a step of the loan evaluation server calculating the loan limit of the sales member by multiplying the sales information of the sales member by the coverage ratio corresponding to the seller attribute information.

The sales information may include individual sales information, which is a payment amount information of an order product for which the buyer has ordered the registered goods through the open market server. In addition, the sales attribute information may include shipping attribute information that is information on the delivery status of the order product. In this case, the calculating step may be a step of calculating the loan limit of the sales member by adding the individual loan limits obtained by multiplying the individual sales information by the loan rate corresponding to the delivery attribute information by the loan evaluation server.

The delivery attribute information may include at least one of a purchase settlement step, a pre-delivery step, a delivery step, a delivery completion step, a purchase approval step, and a settlement deposit step.

According to another embodiment of the present invention, a method for evaluating a commercial mortgage loan includes the steps of: generating sales attribution information and sales amount information, which are information on sales of registered products registered by a sales member registered through login information, Generating step; A transfer step of the sales member terminal transmitting the login information, the identification information of the sales member, and the lending institution information selected by the sales member to the lending evaluation server; A scrapping step of the loan evaluation server accessing the open market server with the login information, scraping the sales attribute information and the sales amount information of the sales member, and receiving enterprise information corresponding to the identification information; The loan evaluation server transmitting the sales attribute information, the sales amount information, and the company information to a lending institution server corresponding to the lending institution information; And calculating the loan limit of the sales member using the sales attribute information, the sales amount information, and the company information by the lending institution server.

Wherein the scraping step comprises: the loan evaluation server transmitting the identification information to the enterprise information server; And transmitting the enterprise information corresponding to the identification information to the loan evaluation server by the enterprise information server.

The calculating step may be a step of calculating the loan limit of the sales member by calculating the coverage rate corresponding to the sales attribute information and the sales information of the sales member.

The sales attribute information may include a plurality of seller attribute information classified according to sales results of the sales member. The calculating step may be a step in which the lending institution server calculates a loan limit of the sales member by multiplying sales information of the sales member by a coverage ratio corresponding to the seller attribute information.

The sales information may include individual sales information, which is a payment amount information of an order product for which the buyer has ordered the registered goods through the open market server. In addition, the sales attribute information may include shipping attribute information that is information on the delivery status of the order product. The calculating step may be a step of calculating the loan limit of the sales member by adding the individual loan limits obtained by multiplying the individual sales information by the loan rate corresponding to the delivery attribute information by the loan agency server.

The delivery attribute information may include at least one of a purchase settlement step, a pre-delivery step, a delivery step, a delivery completion step, a purchase approval step, and a settlement deposit step.

The identification information may include at least one of a resident registration number and a business number of the sales member.

Further, according to another embodiment of the present invention, a computer readable recording medium on which a program for performing the above-mentioned method of evaluating a commercial mortgage loan can be recorded.

The effects of the evaluation system and evaluation method of the commercial mortgage loan according to the present invention are as follows.

First, sellers can grasp the possibility of lending in accordance with accounts receivable in real time, and the limit of lending, so that operating funds can be secured quickly.

Second, since it is possible to calculate the availability of the loan and the loan limit by analyzing the buyer property, the seller property, the product property, and the delivery property in real time, there is an advantage that the risk due to the loan can be minimized.

Third, the seller has the advantage that the lender can select a desired lending institution after confirming the availability of the lending and the limit of the lending by each lending institution.

Fourth, the lending institution receives the information of the provider of the seller and evaluates the availability of the lender and the limit of the lender, which is advantageous for the lending institution.

1 is a network diagram of a general open market.
FIG. 2 is a block diagram of a system for evaluating a commercial mortgage loan according to a first embodiment of the present invention.
3 is a diagram illustrating a control flow between the sales member terminal and the open market server of FIG.
FIG. 4 is a diagram illustrating a control flow of the commercial mortgage loan assessment system of FIG. 2. FIG.
FIG. 5 is a block diagram illustrating a system for evaluating a merchantable bond loan according to a second embodiment of the present invention.
FIG. 6 is a view showing a detailed configuration of the lending institution server and the enterprise information server of FIG. 5;
FIG. 7 is a view showing an embodiment of a control flow of the merchandise security loan evaluation system of FIG.
FIG. 8 is a block diagram of a system for evaluating a commercial mortgage loan according to a third embodiment of the present invention.
9 is a view showing another embodiment of the control flow of the merchandise security loan evaluation system of FIG.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. The embodiments of the present invention can be modified in various forms, and the scope of the present invention should not be construed as being limited to the embodiments described below. The embodiments are provided to explain the present invention to a person having ordinary skill in the art to which the present invention belongs. Accordingly, the shape of each element shown in the drawings may be exaggerated to emphasize a clearer description.

1 is a network diagram of a general open market.

Referring to FIG. 1, the sales member 10 enters the open market 20 and performs sales registration. The open market 20 publishes and sells products that are registered and sold from the sales member 10 on the home page of the open market 20 and sells the products posted on the home page And transfers the result to the registered settlement account 11 of the sales member 10. The DB server 21 registers the sales status and payment information of the open market 20 and provides the information to the sales member 10. When the sale is completed through the delivery and receipt confirmation procedure to the buyer 30, the open market 20 can sell the goods to the buyer 30, The money shall be settled and transferred to the sales account settlement account (11) of the sales member usually 15 days after the sale or on the specified date (determined by the contract between open market (20) and sales member (10)) every month.

On the other hand, the sales member 10 logs in to the DB server 21, and can grasp the sales status of the goods registered by himself / herself and payment information of the buyer. In other words, the sales member 10 transmits, via the screen provided by the DB server 21 to his / her terminal, the delivery quantity of the currently registered product, the sales quantity, the payment status of the buyer, the total payment amount, The date of due date, etc. can be provided in detail.

The sales member 10 receives the deposit to the settlement account 11 registered on the scheduled transfer date and the open market 20 receives the deposit After deducting the amount of money from the sales amount, the money is sent to the sales member 10.

FIG. 2 is a block diagram of a system for evaluating a commercial mortgage loan according to a first embodiment of the present invention.

Referring to FIG. 2, the system 100 for evaluating a commercial mortgage loan according to the first embodiment of the present invention is for evaluating a loan limit of a sales receivable loan of a sales member, and includes a sales member terminal 110, (120) and a loan evaluation server (130). Here, the sales member terminal 110, the open market server 120, and the loan evaluation server 130 may be connected to a wired / wireless network to perform data communication with each other.

First, a sales member (for example, an individual or a corporation who sells or sells his / her own goods through the open market server 120) accesses the loan evaluation server 130 through the sales member terminal 110, The sales member terminal 110 can log in. The sales member can provide basic information and additional information to the loan evaluation server 130 through the sales member terminal 110. [ The basic information may include a loan evaluation server connection ID, a loan evaluation server connection password, and the like. The additional information may include login information (open market server access ID, open market server access password, settlement account (buyer's payment deposit account)), business number, resident registration number, and the like.

The sales member terminal 110 is a terminal through which a sales member performs membership, log-in, or data communication with the open market server 120 or the loan evaluation server 130. The sales member terminal 110 includes a terminal input unit 111, a terminal display unit 113, A terminal processing unit 115, a terminal storage unit 117, and a terminal communication unit 119. [ The sales member terminal 110 may be a computer, a notebook, a smart phone, or the like.

The terminal input unit 111 is responsible for inputting the basic information of the selling member and the additional information, and may be a key board, a key pad, or the like.

The terminal display unit 113 is responsible for displaying output data such as a loan evaluation report or a warning message to be described later, and the sales member can confirm the loan limit of his / her own commercial mortgage loan through the output data. That is, the terminal display unit 113 can display the loan evaluation report (the loanable amount of the selling member, the expected interest rate, etc.) transmitted from the loan evaluation server 130. [

The terminal processing unit 115 is responsible for overall control of the sales member terminal 110 and execution of the program. The terminal processing unit 115 controls the terminal input unit 111, the terminal display unit 113, the terminal storage unit 117, and the terminal communication unit 119. The terminal processing unit 115 can transmit the basic information and the additional information of the sales member input to the terminal input unit 111 to the loan evaluation server 130 in cooperation with the terminal communication unit 119. [ At this time, the loan evaluation server 120, which will be described later, may store the basic information and the additional information transmitted from the sales member terminal 110.

The terminal storage unit 117 is responsible for storing data and programs used in the sales member terminal 11. The terminal storage unit 117 may store the output data.

The terminal communication unit 119 communicates with the open market server 120 and the loan evaluation server 130 via an external communication network and is responsible for transmission and reception of data through the external communication network.

The open market server 120 provides a virtual space (for example, a home page) for a sales member to sell various products and sells his or her goods through the virtual space of the open market server 120 can do. The open market server 120 may include a market server storage unit 122, a market server processing unit 124, and a market server communication unit 126.

The market server storage unit 122 may store login information (open market server connection ID, open market server connection password, account settlement account, etc.) that the sales member inputs to the open market server 120 at the time of membership or login. The sales member or the loan evaluation server 130 can log in to the open market server 120 using such login information. Also, the market server storage unit 122 may store the sales attribute information and the sales information, which are information on the sales of the sales member. The sales information may include individual sales information, which is settlement amount information of an order product for which a buyer has ordered a registered member of the sales member through the open market server 120.

The market server communication unit 126 communicates with the sales member terminal 110 and the loan evaluation server 130 via an external communication network and is responsible for the transmission and reception of data through the external communication network.

The market server processing unit 124 controls the overall operation of the open market server 120 and particularly controls the market server storage unit 122 and the market server communication unit 126. In particular, when payment information, which is information that a purchaser has ordered and paid for a sale-registered product of a sales member, is transmitted through the virtual space (home page) of the open market server 12, the market server processing unit 124 uses the payment information The sales attribute information and sales amount information of the sales member can be generated and stored in the market server storage unit 122. [

The sales attribute information may include buyer attribute information C, seller attribute information S, product attribute information P, and delivery attribute information D. [

The buyer attribute information C is information indicating the buyer's propensity and includes buyer class information C1 and regular buyer information C2 according to the number of purchases, repetitive cancellation / returner information C3 according to the number of cancellation / And purchase time information C4, which is the time required from purchase to purchase.

The seller attribute information S is information on the business of the seller and includes seller rating information S1, business maintenance period information S2, merchandise cancellation / return rate information S3, month / day average sales information S4, . ≪ / RTI > The seller rating information (S1) is a rating determined by the seller's credit score and the purchaser's satisfaction with the seller's merchandise, and may include a power dealer rating, an excellent dealer rating, a general dealer rating, and a bad dealer rating .

The merchandise attribute information P may include the merchandise classification information P1, the suitability information P2 of the sales amount, and the suitability information P3 of the purchase quantity. The product classification information (P1) can be divided into categories such as an electronic product, an apparel product, an imported product category, a book, and the like. The adequacy information P2 of the sales amount information is information indicating whether or not the sales amount of the product is proper, and it can be determined whether or not it is appropriate by comparing with the average value of the sales amount of the goods classified by the goods classification information P1. The adequacy information P3 of the purchase quantity indicates whether the purchase quantity of the goods is appropriate, and it can be determined whether or not the purchase quantity is appropriate by comparing the average of the purchase quantities of the goods classified by the goods classification information P1.

The delivery attribute information D may include destination matching information D1, destination specificity information D2, delivery delay information S3, emergency delivery information S4, and delivery status information S5. The destination matching information D1 is information indicating whether the destination entered by the buyer matches the address registered by the buyer. The specificity information D2 of the destination is information indicating how much the specified goods of the seller have been delivered to a small number of destinations. Emergency delivery information S4 is information indicating how much a particular commodity of the seller is ordered by urgent delivery (for example, quick delivery). The shipping status information S5 may include a purchase settlement step, a pre-delivery step, a delivery step, a delivery completion step, a purchase approval step, and a settlement deposit step.

The loan evaluation server 130 calculates the loan limit of the sales receivable-secured loan of the sales member using the sales information of the sales member and the sales attribute information, and the loan evaluation server 130 includes an evaluation server storage unit 132, an evaluation server processing unit 134, And a communication unit 136.

The evaluation server storage unit 132 stores basic information (a loan evaluation server connection ID, a loan evaluation server access password, and the like) transmitted from the sales member terminal 110 and additional information (login information (open market server connection ID, open market server connection Password, settlement account), business number, resident registration number, etc.). In addition, the evaluation server storage unit 132 may store sales information and sales attribute information of sales members scraped from the open market server 120.

The evaluation server communication unit 136 communicates with the sales member terminal 110 and the open market server 120 via an external communication network and is responsible for the transmission and reception of data through the external communication network.

The evaluation server processing unit 134 takes charge of the overall control of the loan evaluation server 13 and in particular controls the evaluation server storage unit 132 and the evaluation server communication unit 136. The evaluation server processing unit 134 can log in to the open market server 120 using the login information (such as the open market server connection ID and the open market server access password) of the sales member transmitted from the sales member terminal 110. [ The evaluation server processing unit 134 may periodically screen-scrape sales information and sales attribute information of the sales member and store the information in the evaluation server storage unit 132.

Here, screen scraping refers to a web technology in which various contents and services scattered on the Internet are bundled together and reconstructed as a consolidated screen of the customer. In other words, the screen scraping technology is based on HTTP / TCP / IP protocol and Internet / Web technology, encryption / decryption technology and digital authentication technology, business / technical solutions for domestic financial environment and personal asset management software, Processing technologies are interlinked Internet technologies. The technical idea of such screen scraping has been disclosed in the Korean patent application (Application No. 10-2009-0123400, "WAP Scraping Method and System") filed by the present applicant. Since the technical idea and configuration of the invention described in the above patent application can be applied as a reference of the present invention, a detailed description related thereto will be omitted.

The evaluation server processing unit 134 can generate a loan evaluation report that evaluates whether or not the user can borrow in real time using the sales information and sales attribute information of the sales member scraped by the open market server 120 and the loan limit. The evaluation server processing unit 134 can transmit the loan evaluation report to the sales member terminal 110 in cooperation with the evaluation server communication unit 136. [ At this time, the sales member terminal 110 can display the loan evaluation report transmitted from the loan evaluation server 130 on the terminal display unit 113, and the sales member can use the loan evaluation report to perform a mortgage loan contract As shown in FIG.

Hereinafter, a method for the evaluation server processing unit 134 to evaluate the credit limit of the sales member using the sales information and the sales attribute information of the sales member will be described.

The evaluation server processing unit 134 can evaluate the credit limit of the sales receivable secured loan of the sales member in real time using the sales information and sales attribute information of the sales member scrapped from the open market server 120. [

Specifically, as shown in the following Equation 1, the evaluation server processing unit 134 obtains the coverage rate Ci (C) applied to each of the sales attribute information C, S, P, D to the sales price W of each product ordered by the buyers , Si, Pi, Di) to calculate the unit commodity loan ceiling, and by summing the unit commodity loan ceilings thus calculated, it is possible to determine the lending ceiling of the selling member. At this time, the evaluation server processing unit 134 uses the attribution information of at least one of the buyer attribute information C, the seller attribute information S, the product attribute information P, and the delivery attribute information D, Can be determined.

[Equation 1]

Merchant's loan limit = ΣCi × Si × Pi × Di × W

Si is the rate of coverage applied to the seller attribute information, Pi is the rate of progress applied to the goods attribute information, Di is the rate of coverage applied to the delivery attribute information, )

The loan evaluation server 130 can evaluate the loan limit in real time based on the seller attribute information S. [ For example, as shown in [Table 1] below, if the sales member is a power dealer, it accounts for 70% of the sales receivable, 50% of the sales receivable of the sales member if it is a superior dealer, 30% of the sales receivable amount can be set as the loan limit, and if it is the bad dealer rating, it can be set as not possible.

Seller attribute information (S) Mortgage rate Power dealer 70% of sales receivables of sales members Excellent dealer 50% of sales receivable General dealer 30% of sales members' Bad dealer No Loan

The loan evaluation server 130 can evaluate the loan limit in real time based on the delivery attribution information D. [ For example, as shown in Table 2 below, if the shipping status information (S5) of the goods ordered by the buyer is 10% of the merchandise price, 20% of the merchandise price, 30% of the sales price, 50% of the price of the merchandise, 60% of the merchandise price when the purchase approval stage, and 80% of the merchandise price when the payment is completed.

Shipping attribute information (D) Mortgage rate Purchase payment step 10% of merchandise sales price Before delivery 20% of merchandise sales price Step in Shipping 30% of merchandise sales price Delivery completion phase 50% Purchase approval step 60% of the product price Deposit step 80%

For example, if a first consumer and a second consumer order a first product (10,000 won) and a second product (20,000 won) of a general dealer, the first product is a pre-delivery stage and the second product is a purchase approval stage Can be calculated as follows.

Sales member's limit on loans = 0.3 × (0.2 × 10,000 won + 0.6 × 20,000 won) = 4,200 won

3 is a diagram illustrating a control flow between the sales member terminal and the open market server of FIG. Referring to FIG. 3, the process of storing sales information and sales attribute information of a sales member in the open market server 120 will be described.

First, the sales member joins the open market server 120 through the sales member terminal 110 (S11). At this time, the sales member terminal 110 can transmit the login information (open market server connection ID, open market server connection password, settlement account, etc.) of the selling member to the open market server 120.

Next, the login information of the selling member is stored in the open market server 120 (S12).

Next, the purchaser orders and pays the registered merchandise of the selling member in the virtual space (home page, etc.) of the open market server 120 (S13).

Next, the open market server 120 generates and stores sales information and sales attribute information of the sales member using the payment information of the purchaser (S14).

FIG. 4 is a diagram illustrating a control flow of the commercial mortgage loan assessment system of FIG. 2. FIG. Referring to FIG. 4, the process of evaluating the loan limit of the selling member by the loan evaluation server 130 will be described.

First, the sales member joins the loan evaluation server 130 (S21). At this time, basic information and additional information of the sales member are transmitted to the loan evaluation server 130.

Next, the loan evaluation server 130 stores basic information and additional information of the sales member (S22).

Next, the sales member requests the loan evaluation server 130 to evaluate the loan through the sales member terminal 110 (S23).

Next, the loan evaluation server 130 acquires the sales information from the open market server 120 using the login information (open market server connection ID, open market server access password, settlement account, etc.) of the sales member transmitted from the sales member terminal 110, (S24).

Next, the loan evaluation server 130 performs screen scraping on sales information and sales attribute information of the sales member (S25). At this time, the loan evaluation server 130 may store the sales information and the sales attribute information of the scraped sales member in the evaluation server storage unit 132.

Next, the loan evaluation server 130 evaluates the loan limit of the sales member using the sales information of the sales member and the sales attribute information (S26).

Next, the loan evaluation server 130 generates a loan evaluation report including the loan limit evaluated in step S26 and transmits it to the sales member terminal 110 (S27).

Next, the sales member requests loan to the lending institution using the loan evaluation report transmitted from the loan evaluation server 130 (S28)

FIG. 5 is a block diagram of a system for evaluating a commercial mortgage loan according to a second embodiment of the present invention, FIG. 6 is a diagram illustrating a detailed configuration of a loan agency server and an enterprise information server of FIG. The same reference numerals as in Fig. 1 are assigned to the portions, and a detailed description thereof will be omitted.

Referring to FIG. 5, the system 200 for evaluating a commercial mortgage loan according to the second embodiment of the present invention is for evaluating a loan limit of a sales receivable loan of a sales member, and includes a sales member terminal 110, A loan evaluation server 130, a loan agency server 140, and a company information server 150. [0033] FIG. Here, the sales member terminal 110, the open market server 120, the loan evaluation server 130, the loan agency server 140, and the enterprise information server 150 may be connected to each other through a wired / .

The terminal display unit 113 of the sales member terminal 110 can display one or more lending institutions and can include a lending institution selection button (not shown) and a secured lending evaluation button (not shown). The sales member can select a desired lending institution by selecting (touching or clicking) a lending institution selection button. When the sales member selects the mortgage evaluation button, the sales member terminal 110 can transmit the selected loan agency and the loan evaluation request message to the loan evaluation server 130.

When the lending institution and the lending evaluation request message selected from the sales member terminal 110 are transmitted, the lending evaluation server 130 transmits sales information and sales attribute information of the sales member scraped by the open market server 120 to the lending institution of the selected lending institution To the institution server 140. The lending institution server 140, which will be described later, can evaluate the availability of the lending and the limit of the lending in accordance with the evaluation criteria using the sales information and the sales attribute information of the sales member.

On the other hand, the loan evaluation server 130 can request the company information of the selling member from the company information server 150, which will be described later, using the business number, resident registration number, etc. of the selling member. At this time, the company information server 150 can transmit the company information of the sales member requested by the loan evaluation server 130 to the loan evaluation server 130. [ The loan evaluation server 130 can transmit the enterprise information of the sales member transmitted by the enterprise information server 150 to the loan agency server 140. [ Therefore, the lending institution server 140 can evaluate the availability of the selling member and the loan limit by reflecting not only the sales attribute information of the sales member but also the company information, so that there is no need to separately examine the company information of the selling member.

The lending institution server 140 is a server used in a lending institution (a bank, an insurance company, a securities company, etc.) and may include an institution server storage unit 142, an agency server processing unit 144 and an agency server communication unit 146 have.

The agency server storage unit 142 may store the sales information and sales attribute information of the sales member, the company information, and the loan evaluation report.

The agency server processing unit 144 can evaluate the credit limit of the sales member using the sales information of the sales member, the sales attribute information, and the company information, and generate the loan evaluation report including the evaluated credit limit. The agency server processing unit 144 can transmit the loan evaluation report to the loan evaluation server 130 in cooperation with the agency server communication unit 146. [ At this time, the loan evaluation server 130 can transfer the loan evaluation report transmitted from the loan agency server 140 to the sales member terminal 110. [ The sales member terminal 110 transmits a loan contract confirmation application message to the loan agency server 140 based on the loan evaluation report and receives a loan agreement confirmation message from the loan agency server 140 to the sales member terminal 110. [ , The mortgage loan agreement between the lending institution and the sales member is concluded.

The institution server communication unit 146 is in charge of communication with the loan evaluation server 130 via an external communication network and is responsible for transmission and reception of data through the external communication network.

An enterprise information server 150 is a server for managing enterprise information in the domestic market and includes an information server storage unit 152, an information server processing unit 154, an information server storage unit 156 (e.g., ).

The information server storage unit 152 may store company information (company information, financial information, hibernation / closure status information, etc.) in the domestic market.

The information server processing unit 154 can search the information server storage unit 152 for the company information of the sales member requested by the loan evaluation server 130. [ The information server processing unit 154 can transmit the company information of the searched member thus searched to the loan evaluation server 130. [

The information server communication unit 156 communicates with the loan evaluation server 130 via an external communication network and is responsible for transmission and reception of data through the external communication network.

FIG. 7 is a view showing an embodiment of a control flow of the merchandise security loan evaluation system of FIG. Referring to FIG. 7, a process in which the loan agency server 130 evaluates a loan limit of a selling member will be described.

First, the sales member selects a lending institution to which the credit limit is to be evaluated through the sales member terminal 110, and requests the loan evaluation server 130 for loan evaluation (S31). At this time, the loan evaluation request message including the loan agency selected by the sales member may be transmitted to the loan evaluation server 130. [

Next, when the loan evaluation request message is transmitted from the sales member terminal 110, the loan evaluation server 130 logs into the open market server 120 with the open market server connection ID of the sales member (S32).

Next, the loan evaluation server 130 scrapes sales information and sales attribute information of the sales member at the open market server 120 (S33).

Next, the loan evaluation server 130 transmits sales information and sales attribute information of the sales member scraped at the open market server 120 to the loan agency server 140 (S34).

Next, the loan evaluation server 130 requests the company information server 150 for the company information of the selling member (S35). At this time, the loan evaluation server 130 may transmit the company information request message of the sales member to the enterprise information server 150. [

Next, when the company information request message of the sales member is transmitted from the loan evaluation server 130, the enterprise information server 150 transmits the company information of the requested sales member to the loan evaluation server 130 (S36).

Next, the loan evaluation server 130 transmits the company information of the sales member transferred to the company information server 150 to the loan agency server 140 (S37).

Next, the lending institution server 140 evaluates the lending limit of the selling member using the sales information of the sales member, the sales attribute information, and the company information (S38). At this time, the lending institution server 140 can evaluate the lending limit of the selling member in the same manner as that evaluated by the lending evaluation server 130 of the first embodiment.

Next, the loan agency server 140 generates a loan evaluation report including the loan limit of the sales member evaluated in step S38, and transmits it to the loan evaluation server 130 (S39).

Next, the loan evaluation server 130 transmits the loan evaluation report transmitted from the loan agency server 140 to the sales member terminal 110 (S40). At this time, the loan evaluation server 130 can also transmit its own loan evaluation report evaluated in the same manner as the first embodiment to the sales member terminal 110.

Next, the selling member submits a loan contract to the loan agency server 140 selected by the sales member using the loan evaluation report transmitted from the loan evaluation server 130 (S41). At this time, the sales member terminal 110 can transmit a loan agreement confirmation application message to the lending institution server 140.

Next, the loan agency server 140 transmits a loan agreement confirmation message to the sales member terminal 110 (S42). By doing so, a loan agreement between the sales member and the lending institution is concluded.

FIG. 8 is a configuration diagram of a trade mark secured loan management system according to a third embodiment of the present invention. The same parts as those of the first embodiment and the second embodiment described above are denoted by the same reference numerals as those in Figs. 1 and 5, and a detailed description thereof will be omitted.

Referring to FIG. 8, the system 200 for managing the accounts receivable loan according to the third embodiment of the present invention includes a system for collecting accounts receivable of a selling member when the limit of the selling member is changed after a mortgage loan contract with the selling member is made A sales member terminal 110, an open market server 120, a loan evaluation server 130, and a lending institution server 140. [ Here, the sales member terminal 110, the open market server 120, the loan evaluation server 130, and the loan agency server 140 may be connected to each other through a wire / wireless network to perform data communication with each other.

The lending institution server 140 can transmit contract concluding data including the set lending limit set in the lending contract concluded between the sales member and the lending institution.

The loan evaluation server 130 accesses the open market server 120 through the log-in information of the sales member stored in the evaluation server storage unit 132, Property information and sales amount information can be scraped. The loan evaluation server 130 can calculate the loan limit of the sales member by using the sales attribute information and the sales amount information scraped. The loan evaluation server 130 can compare the loan limit of the sales member with the set loan limit included in the contract concluded data.

The loan evaluation server 130 may transmit a warning message to the lending institution server 140 indicating that the set lending limit of the sales member is decreased when the lending limit of the sales member is less than the set lending ceiling.

The loan evaluation server 130 can calculate the additional loan limit of the sales member when the loan limit of the sales member is the set loan limit or more. At this time, the additional loan limit may be a value obtained by subtracting the set loan limit from the loan limit. By doing so, the sales member can receive additional loans from the lending institution, thereby enabling the mortgage lending to be activated.

Meanwhile, in the market server storage unit 122 of the open market server 120, the login information of the sales member that the sales member inputs at the time of membership registration in the open market server 120 may be stored. In addition, in the evaluation server storage unit 132 of the loan evaluation server 130, additional information including the login information of the open market server 120 inputted by the selling member at the time of member registration or login to the loan evaluation server 130 is stored . However, the sales member can change the login information by logging in to the open market server 120 and inputting the changed login information to the open market server 120. Therefore, if the login information of the sales member is changed in this way, the loan evaluation server 130 can not normally log in to the open market server 120.

The loan evaluation server 130 scrapes the login information of the sales member stored in the market server storage unit 122 and stores the login information of the sales member stored in the market server storage unit 122 in the evaluation server storage unit 132 A warning message may be transmitted to the lending institution server 140 when the login information of the sales member is different. Accordingly, the lending institution server 130 is notified in real time that the selling member can not evaluate the loan limit due to the arbitrary change of the login information of the selling member, thereby preventing the sales member's receivables from becoming insolvent . At this time, the login information may include at least one of an open market server connection ID, an open market server connection password, and a settlement account.

9 is a view showing another embodiment of the control flow of the merchandise security loan evaluation system of FIG. Referring to FIG. 8, the control flow of the accounts receivable-loan evaluation system will be described in the case where the selling limit of the selling member is changed after the execution of the mortgage loan contract with the selling member.

First, when a mortgage loan contract between the lending institution and the sales member is established (S51) with the set loan limit set at the time of contracting, the loan institution server 140 notifies the loan evaluation server 130 of the fact that the mortgage loan contract is concluded (S52). At this time, the lending institution server 140 can transmit the contract concluded data including the set lending limit to the lending evaluation server 130.

Next, when the loan evaluation server 140 receives the contract concluding data from the lending institution server 140, the loan evaluating server 140 transmits the contract concluding data to the open market server 120 with the login information (open market server connection ID, open market server connection password) (S53).

Next, in step S54, the loan evaluation server 140 periodically scrapes sales information and sales attribute information of the sales member while logging in the open market server 120 as in step S53.

Next, the loan evaluation server 140 re-evaluates the loan limit of the sales member using sales information and sales attribute information of the sales member scraped at the open market server 120 (S55). At this time, the lending institution server 140 can evaluate the lending limit of the selling member in the same manner as that evaluated by the lending evaluation server 130 of the first embodiment.

Next, the loan evaluation server 130 compares the set loan limit with the re-evaluated loan limit (S56). At this time, the loan evaluation server 130 may transmit a warning message to the loan agency server 140 if the re-evaluated loan limit is less than the set loan limit (S57). When the warning message is transmitted from the loan evaluation server 130, the loan institution server 140 can transmit a sanction message (for example, principal repayment due to the reduction of the loan limit) to the sales member terminal 110. [ Accordingly, the lending institution can confirm that the limit of the lending of the selling member is reduced in real time, and thus it becomes possible to prevent the sales receivable of the selling member from becoming a bad loan.

Meanwhile, the loan evaluation server 130 calculates the additional loan limit of the sales member if the set loan limit is not less than the re-evaluated loan limit (S59). At this time, the additional loan limit of the sales member can be calculated by the following equation (2).

&Quot; (2) "

Additional loan limit (KRW) = Revalued loan limit (KRW) - Set loan limit (KRW)

Next, the loan evaluation server 130 transmits the additional loan limit information to the loan agency server 140 (S60), and the loan agency server 140 sends the additional loan limit information transmitted from the loan evaluation server 130 to the sales To the member terminal 110 (S61). Accordingly, the sales member can confirm that he / she is entitled to receive the additional loan from the lending institution through the sales member terminal 110, so that the secured lending can be more activated.

If the settlement account of the sales member, the open market server access ID, the open market server access password, and the like are changed, the open market server access ID is suspended, or the open market server access ID is " And may send a warning message to the lending institution server 130 when the login is not normal. When the warning message is transmitted from the loan evaluation server 130, the lending institution server 130 may send a sanctioning message (returning the principal) to the sales member terminal 110 to apply sanctions (return the principal) to the sales member , The risk of lending to the lending institution will be reduced, thereby lowering the default rate of the loan and increasing the recovery rate of the secured loan.

Although the present invention has been described in detail by way of preferred embodiments thereof, other forms of embodiment are possible. Therefore, the technical idea and scope of the claims set forth below are not limited to the preferred embodiments.

10: Sales member 11: Settlement account
20: Open Market 30: Buyer
100, 200: Accounts receivable loan evaluation system 110: Sales member terminal
120: Open Market Server 130: Loan Evaluation Server
140: Loan institution server 150: Enterprise information server

Claims (25)

An open market server capable of generating sales attribute information and sales information, which are information on sales of registered products registered by a registered sales member through login information; And
The selling member accesses the open market server with login information of the sales member, scrapes the sales attribute information and the sales information of the sales member, and calculates a loan limit of the sales member using the sales attribute information and the sales information A loan evaluation server,
The sales information includes sales price of each commodity,
Wherein the loan evaluation server calculates a unit product loan limit by multiplying a sale price of each product by a coverage rate corresponding to the sales attribute information and calculates a loan limit of the sales member by summing up the unit product loan limits, Accounts receivable loan assessment system. delete The method according to claim 1,
The sales-
A plurality of seller attribute information classified according to a sales result of the sales member,
The loan evaluation server comprises:
And wherein the sales amount information of the sales member is calculated by multiplying the sales information of the sales member by the coverage ratio corresponding to the seller attribute information. The method according to claim 1,
The sales information includes:
And an individual sales information which is a payment amount information of an order product for which the purchaser has ordered the registered product through the open market server,
The sales-
And the delivery attribute information, which is information on the delivery status of the order product,
The loan evaluation server comprises:
Wherein said individual sales information is calculated by summing up individual lending limits obtained by multiplying the individual sales information by the collateral rate corresponding to said delivery attribute information, and calculating the lending ceiling of said sales member. The method of claim 4,
The above-
The system comprising at least one of a purchase settlement step, a pre-delivery step, a delivery step, a delivery completion step, a purchase approval step, and a settlement deposit step. An open market server capable of generating sales attribute information and sales information, which are information on sales of registered products registered by a registered sales member through login information;
A sales member terminal capable of transmitting the login information, identification information of the sales member, and lending institution information selected by the sales member;
A corporate information server capable of transmitting enterprise information corresponding to the identification information when the identification information is transmitted;
Receiving the login information and the identification information from the sales member terminal, scraping the sales attribute information and the sales information of the sales member by accessing the open market server with the login information, A loan evaluation server which receives the company information from the company information server by transmitting information, transmits the sales attribute information, the sales information and the company information; And
And a lending institution server capable of calculating a lending ceiling of the sales member using the sales attribute information, the sales information, and the company information transmitted from the lending evaluation server, and corresponding to the lending institution information,
The sales information includes sales price of each commodity,
Wherein the lending institution server calculates a unit product lending ceiling by multiplying the selling price of each commodity by the collateral rate corresponding to the sales attribution information and calculates the lending ceiling of the selling member by adding each unit commodity lending ceiling, Accounts receivable loan assessment system. delete The method of claim 6,
The sales-
A plurality of seller attribute information classified according to a sales result of the sales member,
The lending institution server,
And wherein the sales amount information of the sales member is calculated by multiplying the sales information of the sales member by the coverage ratio corresponding to the seller attribute information. The method of claim 6,
The sales information includes:
And an individual sales information which is a payment amount information of an order product for which the purchaser has ordered the registered product through the open market server,
The sales-
And the delivery attribute information, which is information on the delivery status of the order product,
The lending institution server,
Wherein said individual sales information is calculated by summing up individual lending limits obtained by multiplying the individual sales information by the collateral rate corresponding to said delivery attribute information, and calculating the lending ceiling of said sales member. The method of claim 9,
The above-
The system comprising at least one of a purchase settlement step, a pre-delivery step, a delivery step, a delivery completion step, a purchase approval step, and a settlement deposit step. The method of claim 6,
Wherein,
Wherein the sales order includes at least one of a resident registration number and a business number of the sales member. The method of claim 6,
The company information includes:
Wherein the sales information includes at least one of information on a business member of the sales member, financial information, and regular employees. A generating step of generating sales attribute information and sales information, which are information on sales of registered products registered by a sales member who is registered through an open market server through login information;
A scrapping step of the loan evaluation server accessing the open market server with the login information and scraping the sales attribute information and the sales amount information; And
And a calculation step of the loan evaluation server calculating a loan limit of the sales member using the sales attribute information and the sales amount information,
The sales information includes sales price of each commodity,
Wherein the calculating step calculates the unit merchandise loan ceiling by multiplying the selling price of each commodity by the coverage ratio corresponding to the sales attribution information and calculates the unit merchandise loan ceiling by summing the respective unit commodity loan ceilings, The method comprising the steps of: delete 14. The method of claim 13,
The sales-
A plurality of seller attribute information classified according to a sales result of the sales member,
Wherein,
And the loan evaluation server calculates the loan limit of the sales member by multiplying the sales information of the sales member by the coverage ratio corresponding to the seller attribute information. 14. The method of claim 13,
The sales information includes:
And an individual sales information which is a payment amount information of an order product for which the purchaser has ordered the registered product through the open market server,
The sales-
And the delivery attribute information, which is information on the delivery status of the order product,
Wherein,
Wherein the loan evaluation server calculates a loan limit of the sales member by adding the individual loan limits obtained by multiplying the individual sales information by the coverage ratio corresponding to the delivery attribute information. 18. The method of claim 16,
The above-
Wherein the method comprises at least one of a purchase settlement step, a pre-delivery step, a delivery step, a delivery completion step, a purchase approval step, and a settlement deposit step. A generating step of generating sales attribute information and sales information, which are information on sales of registered products registered by a sales member who is registered through an open market server through login information;
A transfer step of the sales member terminal transmitting the login information, the identification information of the sales member, and the lending institution information selected by the sales member to the lending evaluation server;
A scrapping step of the loan evaluation server accessing the open market server with the login information, scraping the sales attribute information and the sales amount information of the sales member, and receiving enterprise information corresponding to the identification information;
The loan evaluation server transmitting the sales attribute information, the sales amount information, and the company information to a lending institution server corresponding to the lending institution information;
And a calculation step of the loan agency server calculating a loan limit of the sales member using the sales attribute information, the sales information, and the company information,
The sales information includes sales price of each commodity,
Wherein the lending institution server calculates a unit product loan ceiling by multiplying a sale price of each commodity by a coverage ratio corresponding to the sales attribution information and calculates a unit product loan ceiling by summing each unit commodity loan ceiling, The method comprising the steps of: 19. The method of claim 18,
The scraping step comprises:
The loan evaluation server transmitting the identification information to the enterprise information server; And
And the enterprise information server transmits the enterprise information corresponding to the identification information to the loan evaluation server. delete 19. The method of claim 18,
The sales-
A plurality of seller attribute information classified according to a sales result of the sales member,
Wherein,
Wherein the credit institution server calculates the credit limit of the sales member by multiplying the sales information of the sales member by the coverage ratio corresponding to the seller attribute information. 19. The method of claim 18,
The sales information includes:
And an individual sales information which is a payment amount information of an order product for which the purchaser has ordered the registered product through the open market server,
The sales-
And the delivery attribute information, which is information on the delivery status of the order product,
Wherein,
Wherein the loan agency server calculates a loan limit of the sales member by summing the individual loan limits obtained by multiplying the individual sales information by the coverage ratio corresponding to the delivery attribute information. 23. The method of claim 22,
The above-
Wherein the method comprises at least one of a purchase settlement step, a pre-delivery step, a delivery step, a delivery completion step, a purchase approval step, and a settlement deposit step. 19. The method of claim 18,
Wherein,
Wherein the selling member includes at least one of a resident registration number and a business number of the sales member. A computer-readable recording medium having recorded thereon a program for carrying out the method according to any one of claims 13 to 19, and claims 21 to 24.

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