KR101752046B1 - Method for managing risk of new merchant and merchant magement server - Google Patents

Abstract

According to an embodiment of the present invention, there is provided a method for a merchant management server for managing risk for a new merchant store, the merchant merchant information management method comprising the steps of: managing company information, card establishment information, membership information, card performance information, Calculating a division variable for the defective merchant based on at least one; Determining whether there is a possibility of a franchise point for the new franchisee through the calculated franchisee identification parameter; Performing monitoring on a new franchisee determined as having a possibility of a flawed franchise point, and confirming whether a possibility of a franchise point for the new franchisee is high; And performing a sanction on at least one of a sales limit and a installment transaction of a new franchisee identified as having a high possibility of the flawed franchisee.

Description

{METHOD FOR MANAGING RISK OF NEW MERCHANT AND MERCHANT MAGENT SERVER}

The present invention relates to a new merchant risk management method and a merchant management server, and more particularly, to a new merchant risk management method and a merchant management server, which are capable of identifying a new merchant having a high possibility of a poor merchant, And a merchant management server.

In recent years, as the number of merchants affiliated with credit card companies has increased, the number of affiliated merchants has been increasing. As a result, even if a merchant is included in a new merchant, it becomes difficult to identify the merchant. The monetary damage caused by fraudulent use at the faulty merchant store is also increasing.

In this regard, there has been an attempt to prevent the flow of bad merchants, but the franchisee satisfaction level has been lowered as a result of the longer period of review of the merchant membership, As a result, there is a problem that competitiveness is weaker than other card companies.

In addition, there has been an attempt to identify a fake merchant by judging whether or not the fraudulent use has been made through sales history for a certain period of time after a certain period of time since the franchisee became a member. However, It is necessary to have a way to prevent the risks of new affiliated merchants in advance.

In general, risk management for new franchisees is limited in the measurable information of the risk, and it is difficult to detect the franchisees. Therefore, it is necessary to establish a score and rule criteria by looking for a variable for measuring the risk of a new franchisee. In addition, there is a growing demand for a management system for monitoring the risk of new merchants, and it is urgent to solve the above-mentioned problems.

Korea Patent Publication No. 2012-0034178

Disclosure of Invention Technical Problem [8] Accordingly, the present invention has been made keeping in mind the above problems occurring in the conventional technology, and it is an object of the present invention to provide a new franchisee, A method of managing the risk of a new merchant by performing sanctions on the merchant, and a method of providing a merchant management server.

The objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood from the following description.

According to another aspect of the present invention, there is provided a method for managing a risk for a new merchant through a merchant management server, the method comprising the steps of: acquiring company information, card establishment information, membership information, card performance information, Calculating a divisional variable for the defective merchant based on at least one of delinquent information and merchant affiliation information; Determining whether there is a possibility of a franchise point for the new franchisee through the calculated franchisee identification parameter; Performing monitoring on a new franchisee determined as having a possibility of a flawed franchise point, and confirming whether a possibility of a franchise point for the new franchisee is high; And performing a sanction on at least one of a sales limit and a installment transaction of a new franchisee identified as having a high possibility of the flawed franchisee.

The defective merchant point classifying parameter calculating step may include calculating a first classing variable based on the company information, calculating a second classing variable based on the card opening information, and calculating a third classing variable based on the member information Calculates a fourth divisional variable based on the card performance information, calculates a fifth divisional variable based on the defective information, calculates a sixth divisional variable based on the delinquent information, And calculating a seventh divisional variable based on the calculated result.

In the step of determining the possibility of a bad merchant, the predetermined weight for each of the first, second, third, fourth, fifth, sixth, and seventh divisions is determined And determining that there is a possibility of a franchise point for the new franchisee if the franchise point possibility score is equal to or greater than the reference point based on the franchise point possibility score which is a sum of the values calculated through the calculation.

The malfunctioning merchant point classification parameter calculating step may include calculating a division parameter for the malfunctioning merchant point according to whether the company information is stored in the database of the credit management server.

The malfunctioning merchant point discriminating variable calculating step may include calculating a discriminating variable for the defective merchant point using at least one of the card non-canceling maintenance period and the number of card issuing periods based on the card opening information.

The defective merchant point classification variable calculating step may include a step of calculating a division variable for the defective merchant point based on the membership level of the card based on the member information.

The defective merchant point classification variable calculating step may include a step of calculating a dividing variable for the defective merchant point according to the number of used lending in a predetermined period based on the card performance information.

The malfunctioning merchant point classifying parameter calculating step may include calculating a classing parameter for the malfunctioning merchant point based on whether the non-canceling debt default has occurred based on the fault information.

The malfunctioning merchant point classification parameter calculating step may include calculating a division parameter for the defective merchant point based on whether or not there is a delinquent history within a predetermined period based on the delinquent information.

The malfunctioning merchant point discrimination variable calculating step may use at least one of the merchant industry, the merchant number, the agreement of the account name of the merchant with the representative of the merchant, the match between the home address of the cardholder and the address of the business card, And calculating a divisional variable for the defective merchant point.

The step of judging the possibility of a flawed merchant point includes a step of determining that there is a possibility of a flawed franchise point for the new franchisee if it is confirmed that the delinquent period of the delinquency for the representative of the franchisee is not less than a predetermined period based on the delinquent information can do.

If it is determined that the incidence of bad merchants in the merchant business is high or the merchant has a history of recruiting a bad merchant based on the merchant affiliation information, And a step of judging that there is a difference

The step of determining the possibility of a flawed merchant point may include the step of determining that there is a possibility of a flawed franchise point for the new franchisee when it is determined that the merchant business type is a business type having a high incidence of a flawed franchise point by age group of the representative of the franchisee .

The step of determining the possibility of a flawed merchant point may include a step of determining that there is a possibility of a flawed franchise point for the new franchisee if it is determined that the franchisee representative has a history of opening a flawed merchant point based on the merchant affiliation information.

The step of determining the possibility of a flawed merchant point may include the step of determining that there is a possibility of a flawed franchise point for the new franchisee when it is determined that the franchisee location is a high- .

The step of determining the possibility of a flawed merchant point may include determining that there is a possibility of a flawed franchise point for the new franchisee if it is determined that the number of unpaid franchises to the franchisee representative is equal to or greater than a predetermined number based on the fault information.

According to another embodiment of the present invention for achieving the above object, there is provided a method for providing a credit card to a defective merchant shop based on at least one of company information, card opening information, member information, card performance information, A defective merchant division variable calculation unit for calculating a division variable for the merchant; A defective merchant point determination unit for determining whether there is a possibility of a defective merchant point for the new merchant through the calculated defective merchant point classification parameter; A franchise point confirmation unit for performing monitoring on the new franchisee determined as having a possibility of the franchisee failure and confirming that the possibility of a franchisee franchise to the new franchisee is high; And a defective merchant point sanctioning unit that performs sanction for at least one of a sales limit and a installment transaction of the new merchant point that is confirmed as having a high possibility of the defective merchant point.

According to the embodiment of the present invention, since the user does not need a separate task for detecting a franchisee when subscribing to an affiliate shop, the franchisee satisfaction can be improved as the application process for the affiliate shop is quickly processed.

Further, according to the embodiment of the present invention, immediately after the new franchisee joins the franchisee, the new franchisee having a high possibility of a franchisee franchisee is confirmed, and the sanction is applied to the confirmed new franchisee, The damage caused by illegal use can be prevented.

Also, according to the embodiment of the present invention, it is possible to improve the accuracy of detection of a faulty merchant by identifying merchants that are likely to have a faulty merchant point by referring to various classification variables and rules.

According to the embodiment of the present invention, the sanction for the franchisee, which is confirmed to have a high possibility of a flawed franchise, is performed differently according to the franchise potential score, and the risk for the franchisee suspected of being a franchised franchisee There is an effect that can be managed.

It should be understood that the effects of the present invention are not limited to the above effects and include all effects that can be deduced from the detailed description of the present invention or the configuration of the invention described in the claims.

1 is a block diagram showing the configuration of a merchant management server according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating a process of managing a risk for a defective merchant according to an exemplary embodiment of the present invention. Referring to FIG.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" . Also, when an element is referred to as "comprising ", it means that it can include other elements, not excluding other elements unless specifically stated otherwise.

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

1 is a block diagram showing the configuration of a merchant management server according to an embodiment of the present invention.

Referring to FIG. 1, the merchant management server 100 may include a defective merchandise division variable calculation unit 110, a defective merchant point determination unit 120, a defective merchant point confirmation unit 130, and a defective merchant point unit 140 have.

First, the merchant management server 100 can store company information, card establishment information, member information, card performance information, bad information, delinquent information, merchant store subscription information, and the like in a database and manage it.

For example, the merchant management server 100 may store merchant application information (merchant information, merchant representative information, salary information, etc.) received at the time of subscription to a new merchant store in a database, The information, the member information, and the card performance information can be acquired and stored in the database, and the company information, the bad information and the delinquent information can be acquired from the credit management server (not shown) and stored in the database.

The defective merchant segment classification variable calculation unit 110 can calculate the divisional variable for the defective merchant based on at least one of the enterprise information, the card establishment information, the member information, the card performance information, the bad information, the delinquency information, have. Here, the division variable is used to distinguish whether it is a defective merchant or a defective merchant, and a variable interval may be preset for each condition.

The defective merchant division variable calculation unit 110 can calculate the divisional variable for the defective merchant according to the variable interval according to various conditions. In this regard, the defective merchant division variable calculation unit 110 will be described in detail with reference to Table 1. [

Table 1 shows the conditions used in calculating the division variable according to an embodiment of the present invention, and may be only a part for convenience of explanation.

number Condition name Variable section Condition 1 Presence of company information has exist none
Condition 2
Card non-retention period Maintained within 7 years No issuance information 7 years to 13 years Exceeded 13 years
Condition 3
Number of credit cards issued No issuance information 1-2 3 to 6 7 or more
Condition 4
Number of check cards issued 3 or more 2 One none
Condition 5
Membership level One 2 to 5 none
Condition 6
Number of loans used within a predetermined period 3 or more 2 One Condition 7 Non-canceled debt default has exist none Condition 8 Whether there is an overdue history within a predetermined period has exist none Condition 9 Merchant industry Group 1 Group 2 Condition 10 Business division Corporation individual Condition 11 Agreement between the representative of the merchant and the account holder Inconsistency Same Condition 12 Recruitment Group 1 Group 2
Condition 13
Address match between home and workplace No member home address Inconsistency Same

With respect to "condition 1", the defective merchant division class variable calculation unit 110 can check the presence or absence of the company information and calculate the division class according to the variable interval. At this time, the defective merchant classifying parameter calculating unit 110 can check whether or not the company information is stored in the database of the credit management server (not shown) to check whether or not the company information exists. In the merchant shop management server 100 ) Of the company information stored in the database to confirm the presence of corporate information.

For example, when the company information of the merchant "A" is stored in the database of the credit management server (not shown), the defective merchant store classification variable calculating section 110 calculates the divisional variable "Condition 1" Quot; in "can be calculated.

With respect to "condition 2", the defective merchant point classification variable calculating section 110 checks the card non-cancel keeping period based on the card opening information stored in the database of the merchant point management server 100, Can be calculated.

For example, if the non-cancellation maintenance period of the card that has been kept in the unturned state for the longest of the cards issued to the representative of the "A" merchant store is 10 years, the defective merchant point classification variable calculation section 110 calculates " 2 "can be calculated as" the difference between 7 years and 13 years ".

Regarding "condition 3", the defective merchant point classification variable calculating section 110 checks the number of credit card issuance based on the card opening information stored in the database of the merchant point management server 100, Can be calculated.

For example, if there are five uncharged cards in the credit card issued to the representative of the merchant "A", the bad merchant classification variable calculation unit 110 calculates " Three to six "can be calculated.

With respect to the "condition 4 ", the defective merchant point classification variable calculating section 110 confirms the number of check card issuance based on the card opening information stored in the database of the merchant point management server 100, Can be calculated.

For example, if there are five unmarked cards among the check cards issued to the representative of the merchant "A", the bad merchant segment classification variable calculating section 110 calculates " Three or more "can be calculated.

According to an embodiment of the present invention, the defective merchant classifying parameter calculating unit 110 may calculate the dividing variable according to the total number of credit card issuing and check card issuing dates.

Regarding "Condition 5 ", the defective merchant point classification variable calculating unit 110 checks the membership level of the card based on the member information stored in the database of the merchant point management server 100, and calculates the division variable according to the variable interval can do.

For example, when the highest rank among the cards issued to the representative of the merchant "A" is "2", the bad merchant segment classification variable calculation unit 110 calculates " 2 to 5 "can be calculated.

With respect to the "condition 6 ", the defective merchant point classification variable calculating section 110 confirms the number of loan use cases within a predetermined period based on the card performance information stored in the database of the merchant point management server 100, The division variable can be calculated.

For example, if the number of loans (cash service, card loan, etc.) using a card issued to a representative of an "A" merchant in the past three months or the number of cards used in a loan is three, the defective merchant segment classification variable calculating section 110 calculates " A "of the merchant" Condition 6 ".

Regarding the "condition 7", the defective merchant point classifying parameter calculating unit 110 checks whether there is a non-canceling debt default based on the defective information stored in the database of the merchant point management server 100, Can be calculated.

For example, if there is a non-canceling default on the representative of the merchant "A", the defective merchant division variable calculation unit 110 can calculate "Yes" as a division variable for the "condition 7" of the "A" have.

With respect to "condition 8", the defective merchant point classification variable calculation unit 110 checks whether or not the past delinquent history is within a predetermined period based on the delinquent information stored in the database of the member store management server 100, Variable can be calculated.

For example, if the payment of the card settlement amount of the representative of the "A" merchant is delayed in the past month, the defective merchant classification variable calculation unit 110 determines that the merchant's " Can be calculated as a discriminant variable for "condition 8".

With respect to the "condition 9 ", the merchant management server 100 can group the merchant business type information included in the merchant application information, and store the information in the database. The poor merchant point classification variable calculation unit 110, , It is possible to determine which group belongs to the merchant business, and to calculate the divisional variable according to the variable interval.

For example, the merchant management server 100 stores the merchant business type information in which the "restaurant" business type is classified into "group 1" and the "shopping mall" business category is classified into "group 2" , The bad merchant classification variable calculation unit 110 can calculate "group 1" as a classification parameter for the "condition 9" of the "A" merchant.

Regarding "condition 10", the defective merchant classifying parameter calculating unit 110 confirms whether it is a corporation company or a private company through the company number based on the merchant business type information stored in the database of the merchant management server 100, The divisional variable can be calculated according to the section.

For example, when the business number of the merchant "A" is registered as a corporation, the defective merchant division variable calculation unit 110 calculates "corporation" as a division variable for the "condition 10" of the "A" .

With respect to the "condition 11 ", the defective merchant point classification variable calculation unit 110 confirms whether or not the name of the merchant representative and the account holder match with each other based on the merchant business type information stored in the database of the merchant point management server 100, It is possible to calculate the divisional variable.

For example, when the "A" merchant representative is "Hong Gil Dong" and the depositor is "Hong Gil Soon", the defective merchant division variable calculation unit 110 calculates the "inconsistency" Can be calculated.

With respect to the "condition 12 ", the merchant management server 100 may group the salvager information included in the merchant subscription application information and store the group information in the database. The malware merchant point classification variable calculation unit 110, , And the division variable can be calculated according to the variable interval.

For example, the merchant management server 100 stores the collector information in the database by classifying the first and second collectors as "group 1", "third collector" and "fourth collector" as "group 2" , And the "A" franchisee has applied for the subscription process by the third recruit, the bad merchant classifying parameter calculating unit 110 can calculate "group 2" as the classification parameter for the "condition 12" of the "A" have.

Regarding "condition 13", the defective merchant classifying parameter calculation unit 110 checks whether the home address of the card member matches the address of the business place based on the merchant business type information stored in the database of the merchant management server 100, The division variable can be calculated according to the variable interval.

For example, when the home address of the representative of the merchant "A" of the card matches the address of the merchant of the "A ", the defective merchant segment discrimination variable calculating section 110 calculates the discrimination You can calculate "match" with a variable.

As described above, the defective merchant point classification variable calculating section 110 can calculate the division variable for each of "condition 1" to "condition 13 ", and can also calculate the division variable for two or more conditions. In this case, the weights may be set in advance for each of the divisional variables calculated for each condition, and the weight values may be set to be different depending on the importance. In this regard, it will be described in detail with reference to Table 2.

Table 2 shows ratios of weights previously set for each of the divisional variables calculated for each condition according to an embodiment of the present invention, and it may be only a part for convenience of explanation.

number Information weight(%) First discriminant variable Company Information 3.3
Second discriminant variable About keeping cards 5.7 Credit card issuance information 11.3 Check card issue information 4.3 Third discriminant variable Member Rating Information 5.4 The fourth discriminant variable Cash service related information 3.8 The fifth discriminatory variable Information on default 2.4 The sixth segment variable Delinquency history information 3.3

Seventh discriminant variable Merchant Industry Information 24.2 Personal / Corporate Business Information 8.4 Account information 2.3 Information 19.3 About your business address 6.3

The defective merchant point classifying parameter calculating unit 110 can calculate the first classing variable for "condition 1 " based on the company information.

Condition 3 "and" Condition 4 "on the basis of the card establishment information including the card holding information, the credit card issuing information and the check card issuing information, 2 Separate variables can be calculated.

The defective merchant division class variable calculating unit 110 can calculate the third class variable for "Condition 5 " based on the member class information included in the member information.

The defective merchant point classifying parameter calculating unit 110 can calculate the fourth classing variable for the "condition 6 " based on the cash service related information included in the card performance information.

The defective merchant division class variable calculating section 110 may calculate the fifth class variable for "condition 7 " on the basis of the default information related to the default information included in the defective information.

The defective merchant point classification variable calculating section 110 can calculate the sixth division variable for the "condition 8 " based on the delinquent history information included in the delinquent information.

Condition 9 "," Condition 10 "," Condition 10 ", and" Condition 10 "are set based on the merchant subscription information including the merchant business type information, the individual / corporation business information, the depositor information, Quot; condition 11 ", "condition 12 ", and" condition 13 "

Referring to Table 2, weights are preset for the first, second, third, fourth, fifth, sixth and seventh divisional variables, and two or more In case of the divisional variable for the condition, the weight is set in advance for each condition.

According to an embodiment of the present invention, the weights may be set as a ratio, and the sum of weight values set in each of the division variables may be 100. [ In addition, the weights can be set differentially according to the importance. In Table 2, since the weight for the information of the shoppers is the highest at 24.2%, it can be seen that the information of the shoppers is most important when determining the possibility of a bad shopper.

The defective merchant division variable calculation unit 110 calculates a weighted value of the first division variable, the second division variable, the third division variable, the fourth division variable, the fifth division variable, the sixth division variable, and the seventh division variable, Which is the sum of the values obtained through the calculation of the probability of the franchise point.

That is, the defective merchant classifying parameter calculating unit 110 calculates the score for each of the divisional variables by referring to the information set in the conditional variable section, and calculates the sum of the values to which the weight is applied for each of the calculated scores as the probability can do.

For example, 100 points can be set when there is "YES" in the variable section of "condition 7" and "condition 8", and 0 point when "none" is set. And the divisional variable for the "Condition 8" of the "A" franchisee is "Yes", the bad franchise division variable calculation unit 110 calculates the weight for the "condition 7" as 2.4% Since 3.3% is set as the weight for "Condition 8", 5.7 points, which is the sum of 2.4 and 100 points and 3.3%, which is 3.3 and 3.3 points, is applied to 100 points and the possibility of bad merchants to "A" The score can be calculated. In this case, the score set according to the condition variable section may be set differently according to the condition or variable section.

The defective merchant classifying parameter calculating unit 110 may establish a score criterion including the above conditions and calculate the dividing variable according to the variable interval set in the corresponding condition.

The defective merchant point determination unit 120 can identify a new merchant point having a possibility of a defective merchant point based on a score. The defective merchant point determination unit 120 determines whether there is a possibility of a defective merchant point Can be determined. At this time, the defective merchant point determination unit 120 can determine whether there is a possibility of a defective merchant point for a new merchant that is newly registered as an affiliated merchant. For example, when the "A" franchisee joins the new franchisee on Feb. 4, the franchisee determination unit 120 registers the "A" franchisee on Feb. 4, It is possible to judge whether there is a possibility of a faulty merchant point.

As described above, the defective merchant point discrimination variable calculating section 110 can calculate the discriminating variable for each of the "condition 1" to the "condition 13", and the defective merchant point judging section 120 refers to one or more discriminating variables , It is possible to judge whether or not there is a possibility of a bad franchise to the new franchisee.

The defective merchant point determination unit 120 may determine that there is a possibility of a defective merchant point for the new merchant point if the defective merchant point probability score calculated by the defective merchant point classification variable calculation unit 110 is equal to or greater than the reference score.

For example, if the reference score is 5 or more, it is determined that there is a possibility of a defective merchant point. If the probability of a defective merchant point for the merchant A is 5.7, the defective merchant determiner 120 determines Since the franchise potential score is larger, it can be judged that the "A" franchisee is likely to be a franchisee.

In addition, the defective merchant point determination unit 120 may determine whether there is a possibility of a defective merchant point according to various rules, and related examples will be described.

The defective merchant point determination unit 120 may determine that there is a possibility of a defective merchant point if it is determined that the non-canceled period of the delinquent history for the representative of the merchant is greater than or equal to a predetermined period based on the delinquent information stored in the merchant point management server 100 .

For example, if the delinquency period is over one month, it is determined that there is a possibility of a defective merchant. If the longest delinquency period of the delinquent merchant history of the representative of the merchant "A" Quot; A "merchant may determine that there is a possibility of a bad merchant.

If it is ascertained that the incidence of bad merchant points in the affiliated merchant business type is high or the merchant has a history of recruiting a bad merchant store based on the merchant store subscription information stored in the merchant store management server 100, It can be judged that there is a possibility. At this time, the defective merchant's judging unit 120 can identify a corporation having a history of recruiting a business type or a defective merchant having a high incidence of a defective merchant, by dividing the corporation into business corporations or individual businesses.

For example, when the "A" merchant is a "convenience store" business, the bad merchant determination unit 120 determines the "A" merchant as a poor merchant .

In the case where the first recruiter has recruited the defective merchant three times, and the "A" merchant has applied for the subscription by the first recruiter, the defective merchant judging unit 120 judges that the "A" .

If the affiliated merchant business type is identified as a business type having a high incidence of bad merchant points by age group of the merchant representative, based on the merchant store subscription information stored in the merchant management server 100, the bad merchant determination unit 120 may determine that there is a possibility of a poor merchant have. For this purpose, the merchant management server 100 can store and manage the business type information having a high incidence of the defective merchant points in each database by storing it in the database.

For example, the incidence of bad merchants in the "convenience store" sector among the franchisees whose 40s are representative is calculated to be higher than those of other industries or other age groups. When the representative of the "A" merchant shop is 45 years old, If the business type is a "convenience store ", the defective merchant store judging unit 120 can judge that the" A "

If the merchant representative is found to have a history of opening a bad merchant store based on the merchant store subscription information stored in the merchant store management server 100, the bad merchant store determiner 120 may determine that there is a possibility of a bad merchant store.

For example, when there are three times when the representative of the "A" merchant shop opened the bad merchant store, the bad merchant store judging section 120 can judge that the "A" merchant store is likely to be a bad merchant.

If the merchant location is confirmed as a merchant having a high incidence of poor merchant stores by the age group of the merchant representative, based on the merchant store subscription information stored in the merchant store management server 100, the bad merchant store determination unit 120 may determine that there is a possibility of a poor merchant store have. For this purpose, the merchant management server 100 can store and manage the merchant information having a high incidence of bad merchant points in the database and manage it for each age group.

For example, the incidence of flawed merchants in merchants located in the "Gangnam" commercial area among the franchisees whose 40s are representative is calculated to be higher than those of other commercial franchises or other age groups. The "A" franchisee representative is 45 years old, If the "A" franchisee belongs to the "Gangnam" merchandise, the franchised franchisee determination unit 120 can determine that the "A" franchisee is a potential franchisee.

Based on the failure information stored in the member store management server 100, the failed merchant store determination unit 120 can determine that there is a possibility of a poor merchant store if it is ascertained that the number of unpaid loans to the merchant representative is equal to or greater than a predetermined number.

For example, if the number of unpaid loans is five or more, it is judged that there is a possibility of a defective merchant. If the number of unpaid loans to the representative of the merchant A is ten at the time of joining the merchant, "We can judge that a franchisee is a potential franchisee.

As described above, the defective merchant determination unit 120 can determine whether there is a possibility of a defective merchant in accordance with a rule rule by establishing a rule reference including the above-mentioned rules. It is needless to say that it is possible to determine whether or not there is a possibility of a franchise point for a new franchise by referring to two or more rules.

According to one embodiment, the defective merchant determination unit 120 can identify a new merchant having a possibility of a defective merchant using each of the score criteria and the rule criteria. However, if the condition included in the score criterion And the rule contained in the rule criteria, it is possible to identify a new merchant having a possibility of a bad merchant.

The defective merchant checking unit 130 can perform monitoring on the new merchant site that the defective merchant determining unit 120 judges that there is a possibility of a defective merchant and can confirm whether the possibility of a defective merchant to the new merchant is high .

The defective merchant point sanctioning unit 140 can manage the risk to the new merchant point by performing sanctions on the new merchant point that the defective merchant point confirming unit 130 has confirmed that the possibility of the defective merchant point is high.

FIG. 2 is a diagram illustrating a process of managing a risk for a defective merchant according to an exemplary embodiment of the present invention. Referring to FIG.

First, in step S201, the recruiter recruits a company to join the affiliated store, and proceeds to the subscription application process of the new affiliate store.

According to an embodiment of the present invention, the recruiter may submit an enrollment application to a company operating the member store management server 100 to proceed with the enrollment application process of the new member store.

According to another embodiment of the present invention, the recruiter may access the web site or application provided by the merchant management server 100 through the subscriber terminal (not shown) and proceed the subscription application process of the new merchant.

Then, the merchant management server 100 may store the merchant application information received at the time of applying for the merchant shop, and may acquire the card opening information, the member information, and the card performance information from the card company server (not shown) , The company information, the bad information and the delinquent information can be obtained from the credit management server (not shown) and stored in the database.

Immediately after completing the application for joining a new merchant in step S201, the merchant management server 100 stores at least one of company information, card opening information, member information, card performance information, bad information, delinquent information, As a result, it is possible to determine the divisional variable for the defective merchant, and it is possible to judge whether there is a possibility of a defective merchant to the new merchant through the calculated defective merchant store division variable. Can be selected as a monitoring target merchant.

When the possibility of a bad merchant is determined, the merchant management server 100 determines whether or not the merchant store management server 100 has the first, second, third, fourth, fifth, sixth, It is determined that there is a possibility of a bad franchise point for a new franchise shop and a new franchise shop is selected as a monitoring franchise shop based on the bad merchantability possibility score which is a sum of values calculated through a preset weight, have.

In step S203, the merchant management server 100 can monitor sales information, card performance information, delinquent information, defect information, and the like of the monitoring target merchant.

At the time of performing the monitoring, the merchant management server 100 can perform the monitoring differently according to the score of the bad merchant point possibility.

For example, the merchant management server 100 may determine that the franchise point is a franchisee who is at risk of a franchisee franchise if the franchisee potential score is greater than or equal to a predetermined first threshold value, perform selective monitoring for the franchisee, Is higher than the second reference value, which is higher than the first reference value, it is determined that the franchisee has a high risk of a defective franchise point, and the franchisee can perform full monitoring.

In step S204, the merchant management server 100 may perform sanctions on at least one of the sales limit and the installment transaction of the merchant, which is confirmed as a result of monitoring, that the possibility of the bad merchant is high.

At the time of sanctioning, the merchant management server 100 can perform the sanctions differently according to the score of the bad merchant point possibility.

For example, the merchant management server 100 can restrict only the sales limit to new merchants with a high probability of bad merchant points, It is possible to sanction.

Thereafter, the merchant management server 100 performs step S202, selects the merchant to be monitored again, and repeats steps S203 and S204.

As described above, according to the embodiment of the present invention, since the user does not need a separate task for detecting a franchisee when subscribing to an affiliate shop, the franchisee satisfaction can be improved as the application process for the affiliate shop is quickly processed.

Also, according to the embodiment of the present invention, it is possible to improve the accuracy of detection of a faulty merchant by identifying merchants that are likely to have a faulty merchant point by referring to various classification variables and rules.

According to the embodiment of the present invention, the sanction for the franchisee, which is confirmed to have a high possibility of a flawed franchise, is performed differently according to the franchise potential score, and the risk for the franchisee suspected of being a franchised franchisee There is an effect that can be managed.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included within the scope of the present invention.

100: Merchant Management Server
110: Bad Merchant Classification Variable Calculator
120:
130: Bad Merchant Checking Department
140: Defective merchants sanctions department

Claims (23)

delete delete delete delete A method for a merchant management server managing risk for a new merchant,
Based on at least one of business information, card opening information, member information, card performance information, bad information, delinquent information, and merchant store subscription information, Calculating a division variable for a defective merchant using at least one of a card non-revocation holding period and a number of card issuance cases identified based on the card non-revocation holding period and the number of issued cards;
Determining whether there is a possibility of a franchise point for the new franchisee through the calculated franchisee identification parameter;
Performing monitoring on a new merchant shop determined as having a possibility of the defective merchant point; And
And performing at least one of a sales limit and an installment transaction for at least a part of the new franchisees having the possibility of the flawed franchise point according to the result of the monitoring. delete A method for a merchant management server managing risk for a new merchant,
Wherein the information is based on at least one of company information, card opening information, member information, card performance information, bad information, delinquent information, and merchant store subscription information, Calculating a divisional variable for a defective merchant in accordance with the number of loan use cases within a predetermined period that is confirmed on the basis of the number of loans used;
Determining whether there is a possibility of a franchise point for the new franchisee through the calculated franchisee identification parameter;
Performing monitoring on a new merchant shop determined as having a possibility of the defective merchant point; And
And performing at least one of a sales limit and an installment transaction for at least a part of the new franchisees having the possibility of the flawed franchise point according to the result of the monitoring. delete delete A method for a merchant management server managing risk for a new merchant,
Based on at least one of business information, card establishment information, membership information, card performance information, bad information, delinquent information, and merchant store subscription information, A step of calculating a division variable for a franchisee by using at least one of the merchant industry, the business number, the correspondence between the representative of the franchisee and the depositor, the home address of the cardholder, ;
Determining whether there is a possibility of a franchise point for the new franchisee through the calculated franchisee identification parameter;
Performing monitoring on a new merchant shop determined as having a possibility of the defective merchant point; And
And performing at least one of a sales limit and an installment transaction for at least a part of the new franchisees having the possibility of the flawed franchise point according to the result of the monitoring. delete A method for a merchant management server managing risk for a new merchant,
Based on at least one of the company information, the card establishment information, the member information, the card performance information, the bad information, the delinquent information, and the merchant store subscription information, depending on whether or not the company information is stored in the database of the credit management server Calculating a divisional variable for the product;
Determining whether there is a possibility of a defective merchant point with respect to the new merchant shop through the calculated defective merchant merchant point discrimination parameter, and based on the merchant store subscription information, if the incidence of a defective merchant shop in the merchant industry is high, Determining that there is a possibility of a bad franchise to the new franchisee if it is determined that there is a history;
Performing monitoring on a new merchant shop determined as having a possibility of the defective merchant point; And
And performing at least one of a sales limit and an installment transaction for at least a part of the new franchisees having the possibility of the flawed franchise point according to the result of the monitoring. A method for a merchant management server managing risk for a new merchant,
Based on at least one of the company information, the card establishment information, the member information, the card performance information, the bad information, the delinquent information, and the merchant store subscription information, depending on whether or not the company information is stored in the database of the credit management server Calculating a divisional variable for the product;
Determining whether or not there is a possibility of a defective merchant point for the new merchant through the calculated defective merchant merchant point classification parameter, and based on the merchant merchant information, determining whether or not the incidence of the defective merchant point in the age group and the merchant industry of the merchant representative is different Determining whether there is a possibility of a franchise point for the new franchisee if it is confirmed that the franchise franchise point is higher than the incidence rate of the franchisee for the group or other industries;
Performing monitoring on a new merchant shop determined as having a possibility of the defective merchant point; And
And performing at least one of a sales limit and an installment transaction for at least a part of the new franchisees having the possibility of the flawed franchise point according to the result of the monitoring. A method for a merchant management server managing risk for a new merchant,
Based on at least one of the company information, the card establishment information, the member information, the card performance information, the bad information, the delinquent information, and the merchant store subscription information, depending on whether or not the company information is stored in the database of the credit management server Calculating a divisional variable for the product;
If it is determined that the franchisee representative has a history of opening a franchisee on the basis of the franchisee's subscription information, judging whether or not there is a possibility of a franchisee franchise to the new franchisee through the calculated franchisee identification parameter, Determining that there is a possibility of a faulty merchant point to the merchant;
Performing monitoring on a new merchant shop determined as having a possibility of the defective merchant point; And
And performing at least one of a sales limit and an installment transaction for at least a part of the new franchisees having the possibility of the flawed franchise point according to the result of the monitoring. A method for a merchant management server managing risk for a new merchant,
Based on at least one of the company information, the card establishment information, the member information, the card performance information, the bad information, the delinquent information, and the merchant store subscription information, depending on whether or not the company information is stored in the database of the credit management server Calculating a divisional variable for the product;
Determining whether there is a possibility of a defective merchant point with respect to the new merchant store through the calculated bad merchant merchandise dispatching parameters, and based on the merchant store subscription information, determining whether the age of the merchant representative and the incidence rate of the defective merchant store Determining that there is a possibility of a franchise point for the new franchisee if it is confirmed that the franchisee is higher than the incidence rate of a franchisee for another age group or another franchise;
Performing monitoring on a new merchant shop determined as having a possibility of the defective merchant point; And
And performing at least one of a sales limit and an installment transaction for at least a part of the new franchisees having the possibility of the flawed franchise point according to the result of the monitoring. A method for a merchant management server managing risk for a new merchant,
Based on at least one of the company information, the card establishment information, the member information, the card performance information, the bad information, the delinquent information, and the merchant store subscription information, depending on whether or not the company information is stored in the database of the credit management server Calculating a divisional variable for the product;
Determining whether there is a possibility of a defective merchant point for the new merchant through the calculated defective merchant merchant point classification parameter, and if it is determined that the number of unpaid credits for the merchant representative is equal to or greater than a predetermined number, based on the defective information, Determining that there is a possibility of a faulty merchant point to the merchant;
Performing monitoring on a new merchant shop determined as having a possibility of the defective merchant point; And
And performing at least one of a sales limit and an installment transaction for at least a part of the new franchisees having the possibility of the flawed franchise point according to the result of the monitoring. delete The method according to any one of claims 5, 7, 10, and 12 to 16,
The malfunctioning merchant point classification variable calculating step may include:
Calculating a first divisional variable based on the company information, calculating a second divisional variable based on the card establishment information, calculating a third divisional variable based on the member information, Calculating a fourth divisional variable, calculating a fifth divisional variable based on the defective information, calculating a sixth divisional variable based on the delinquent information, and calculating a seventh divisional variable based on the affiliate store subscription information The method comprising the steps of: 19. The method of claim 18,
In the step of determining the possibility of the defective merchant point,
The sum of the values calculated through the predetermined weights for each of the first, second, third, fourth, fifth, sixth, and seventh divisions, And determining that there is a possibility of a defective merchant point with respect to the new merchant shop if the poor merchant merchant point possibility score is not less than a reference score, based on the possibility score. The method according to any one of claims 5, 7, 10, and 12 to 16,
The malfunctioning merchant point classification variable calculating step may include:
And calculating a division variable for the defective merchant based on the membership level of the card based on the member information. The method according to any one of claims 5, 7, 10, and 12 to 16,
The malfunctioning merchant point classification variable calculating step may include:
And calculating a divisional variable for the defective merchant based on whether or not there is a non-canceling default on the basis of the defective information. The method according to any one of claims 5, 7, 10, and 12 to 16,
The malfunctioning merchant point classification variable calculating step may include:
And calculating a divisional variable for the defective merchant based on whether or not there is a delinquent history within a predetermined period based on the delinquent information. The method according to any one of claims 5, 7, 10, and 12 to 16,
In the step of determining the possibility of the defective merchant point,
And determining, based on the delinquency information, that the delinquent history of the delinquent history of the merchant representative is not less than a predetermined period, determining that there is a possibility of a defective merchant point for the new merchant delinquent.

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