KR102236554B1 - System and method for evaluating creditworthiness using payment information between companies - Google Patents

Abstract

Disclosed is a credit rating system using inter-company payment information and a method thereof. The present invention can evaluate the credit rating of a company by determining the credit rating of the transaction between a supplier and an ordering company based on payment-related data between the companies. The credit rating system using inter-company payment information comprises: a supplier management unit (110); an account management unit (120); an ordering company management unit (130); a payment information analysis unit (140); a credit evaluation unit (150); and a database (160).

Description

Credit rating system and method using payment information between companies {SYSTEM AND METHOD FOR EVALUATING CREDITWORTHINESS USING PAYMENT INFORMATION BETWEEN COMPANIES}

The present invention relates to a credit rating system and method using inter-company payment information, and more specifically, inter-company payment information for evaluating a credit rating by determining the transaction credit rating of a supplier and an orderer based on payment-related data between companies. It relates to the used credit rating system and method.

In recent years, with the spread of the Internet, business to business (B2B), which transacts goods and services between companies through the Internet, has been widely spreading.

Since B2B supports business-to-business transactions according to standardized procedures online, companies that use them can improve internal and external business efficiency, shorten delivery times, reduce transaction costs, secure bilateral electronic payments, and communicate with internal information systems. Benefits such as efficient linkage can be obtained, but due to the nature of online transactions, evaluation of the partner company's credit and risk is essential.

In general, corporate credit evaluation is performed through corporate financial information, non-financial information, and representative's credit information.

The financial institution's corporate credit rating method determines the final rating based on the conditions of financial, non-financial, and representative credit ratings.

The representative's credit rating and financial evaluation are secured by many technological advances and theories, but the non-financial evaluation relies on the personal evaluation of the financial institution's RM (Corporate Credit Manager).

Such personal evaluation can be an obstacle to creating profits for financial institutions by preventing future valuable corporate loans, depending on the insolvency of the financial institution and the experience and level of the RM in charge.

On the other hand, in Korea, as the submission of credit rating grades for public institutions such as the Public Procurement Service, local governments, and public corporations has become mandatory, large companies as well as small and medium-sized enterprises can acquire bidding qualifications when bidding with public institutions and further increase the possibility of successful bids. For this purpose, we are actively using corporate credit rating services through credit rating agencies.

However, corporate credit evaluation is generally based on various documents submitted by the evaluation target company to a credit rating agency, and data and information independently investigated by the credit rating agency. The method of evaluating the creditworthiness of the company only by self-investigation has several problems as follows.

First of all, in order to obtain a higher credit rating, the company to be evaluated can create and submit false documents that contain facts and other information, and it is limited for a credit rating agency to accurately determine the authenticity of all documents provided by the company to be evaluated. Therefore, it is impossible to guarantee the reliability of the documents submitted by the companies to be evaluated.

In addition, there is a problem that there is a possibility that the evaluation target company may deliberately omit important information or not notify the credit rating agency in order to hide information that is unfavorable to the company.

In addition, since the evaluation target company is composed of various companies by industry and industry, there is a problem that the credit rating agency may lack understanding of the characteristics of each industry and industry of the evaluation target company compared to experts closely related to the business type. .

In addition, there is a problem in that it takes a lot of time and cost for the credit rating agency to accurately collect the location, reputation, or current situation in the business type of the evaluation target company with its own efforts.

Korean Patent Application Laid-Open Publication No. 10-2007-0080093 (title of the invention: method and system for providing credit evaluation service to e-commerce transaction companies)

In order to solve this problem, an object of the present invention is to provide a credit rating system and method using inter-company payment information that evaluates the credit rating by determining the transaction credit rating of a supplier and an orderer based on payment-related data between companies. .

In order to achieve the above object, an embodiment of the present invention is a credit rating system using payment information between companies, which evaluates the credit rating of a company based on the accumulated payment information processed between a supplier terminal and an orderer terminal, The transaction credit rating of the supplier is evaluated by comparing it with pre-set supplier evaluation information based on the payment information issued and accumulated from the supplier terminal.

In addition, the above embodiment compares the payment information processed through the ordering company's terminal in response to the payment issuance information with pre-set ordering company evaluation information to evaluate the customer’s transaction creditworthiness. Calculate your credit rating.

In addition, the payment issuance information according to the embodiment may include supplier information, payment amount, creation date, payment deadline, item, ordering company information, and account information assigned to each ordering company.

In addition, the payment information according to the above embodiment is characterized in that it includes virtual account information, payment amount, and overdue information given for each ordering company.

In addition, a platform management server that collects payment issuance information issued from the supplier terminal according to the above embodiment, compares it with preset supplier evaluation information based on the accumulated information of the payment issuance information, and evaluates the transaction creditworthiness for each supplier. It characterized in that it includes.

In addition, the platform management server according to the embodiment collects payment payment information processed through the ordering company terminal in response to payment issuance information, and evaluates a pre-set ordering company based on the accumulated information of the payment payment information. Compared with the information, it is characterized by evaluating the creditworthiness of the transaction for each ordering company.

In addition, the platform management server according to the embodiment is characterized in that the credit rating is calculated according to a preset reference value for each supplier and orderer by using the results of the transaction credit rating of the supplier and the orderer.

In addition, the platform management server according to the embodiment includes: a supplier management unit for managing supplier information and payment issuance information provided through a supplier terminal; An account management unit that assigns a virtual account to each ordering company in response to the payment issuance information provided from the supplier terminal, and manages deposit/withdrawal details information of the virtual account; An ordering company management unit that manages payment and payment information processed through the ordering company terminal in response to the payment issuance information; Payment to evaluate transaction credit ratings for each supplier and ordering company by extracting preset evaluation items based on the above payment issuance information and payment payment information accumulated over a certain period of time, and comparing the extracted evaluation items with evaluation information of suppliers and orderers Information analysis unit; A credit rating unit for calculating a credit rating by comparing the credit rating of the transaction evaluated for each supplier and the credit rating for each client with a preset classification rating; And supplier information, ordering company information, accumulated payment and issuance information for each supplier, accumulated payment and payment information for each ordering company, supplier evaluation information, issuer evaluation information, credit rating information for each supplier, and credit rating information for each ordering company. It characterized in that it includes;

In addition, the payment information analysis unit according to the above embodiment determines the number of issuance of payment information issued from the supplier terminal, payment amount, item, transaction details of suppliers and orderers deposited/withdrawn into a virtual account, and delinquency information of the orderer. It characterized in that the evaluation is based on at least one or more of.

In addition, an embodiment of the present invention is a method for evaluating credit rating using payment information between companies, comprising: a) collecting, by a platform management server, payment issuance information issued from a supplier terminal; b) collecting, by the platform management server, payment payment information processed in response to the payment issuance information through an ordering company terminal; c) The platform management server compares the supplier's evaluation information set in advance based on the accumulated information of payment and issuance information, and compares the supplier's transaction creditworthiness with the accumulated information of the payment and payment information. Comparing and evaluating the transaction creditworthiness of the ordering party; And d) calculating, by the platform management server, a credit rating according to a preset reference value for each supplier and ordering company using the results of the transaction credit rating of the supplier and the ordering company.

In addition, the supplier's transaction credit rating in step c) according to the above embodiment is determined by the number of issuance of payment information issued from the supplier terminal, supplier information, payment amount, creation date, payment deadline, item, ordering company information, and ordering company. It characterized in that the evaluation is based on the deposit/withdrawal history information of the given account information.

In addition, the creditworthiness of the client's transaction in step c) according to the above embodiment is based on the deposit/withdrawal history information, payment amount, and delinquency information of the virtual account given for each client of the payment information processed through the client terminal. It is characterized by evaluating.

The present invention has an advantage of evaluating a company's credit rating by determining the transaction creditworthiness of a supplier and an orderer based on payment-related data between companies.

In addition, the present invention has the advantage of accumulating payment-related data between a supplier and an ordering company to calculate a more accurate credit rating when determining transaction creditworthiness and examining credit loans.

1 is a block diagram showing the configuration of a credit rating system using payment information between companies according to an embodiment of the present invention.
2 is a block diagram showing the configuration of a platform management server of a credit rating system using payment information between companies according to the embodiment of FIG. 1.
3 is a flowchart illustrating a credit rating method using payment information between companies according to an embodiment of the present invention.

Hereinafter, the present invention will be described in detail with reference to a preferred embodiment of the present invention and the accompanying drawings, but it will be described on the premise that the same reference numerals refer to the same elements.

Prior to describing specific details for the implementation of the present invention, it should be noted that configurations that are not directly related to the technical gist of the present invention have been omitted within the scope not disturbing the technical gist of the present invention.

In addition, terms or words used in the present specification and claims are meanings and concepts consistent with the technical idea of the invention based on the principle that the inventor can define the concept of an appropriate term to describe his invention in the best way. Should be interpreted as.

In the present specification, the expression that a certain part "includes" a certain component does not exclude other components, but means that other components may be further included.

In addition, terms such as "... unit", "... group", and "... module" mean units that process at least one function or operation, which can be classified into hardware, software, or a combination of the two.

In addition, the term “at least one” is defined as a term including the singular and plural, and even if the term “at least one” does not exist, each component may exist in the singular or plural, and may mean the singular or plural. Will say self-explanatory.

In addition, it will be said that each component is provided in a singular or plural number and may be changed according to embodiments.

Hereinafter, a preferred embodiment of a credit rating system and method using payment information between companies according to an embodiment 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 credit rating system using payment information between companies according to an embodiment of the present invention, and FIG. 2 is a platform management of a credit rating system using payment information between companies according to the embodiment of FIG. 1 It is a block diagram showing the server configuration.

1 and 2, the credit rating system using the payment information between companies according to an embodiment of the present invention is between the supply terminal (200, 200a, 200b) and the ordering company terminal (300, 300a, 300b) As a component for evaluating the credit rating of a company based on the processed and accumulated payment information, it may be configured to include the platform management server 100.

The platform management server 100 may evaluate the supplier's transaction credit rating by comparing it with preset supplier evaluation information based on the payment issuance information issued from the supplier terminals 200, 200a, and 200b and accumulated.

That is, the platform management server 100 collects payment issuance information issued from the supplier terminals 200, 200a, 200b, compares it with pre-set supplier evaluation information based on the accumulated information of the payment issuance information, for each supplier. Evaluate the creditworthiness of the transaction.

Here, the payment issuance information is the supplier's name, representative name, registration number information, business address, business type, item, contact information, and supplier information including information on the accessible supplier terminal 200, payment amount, and creation date. , Item, name of the ordering company, name of the owner, registration number information, business address, contact information, and ordering company information including accessible ordering company terminals (300, 300a, 300b), etc., and invoices, invoices, tax invoices, etc. It can be made, and preferably consists of a tax invoice.

In addition, the platform management server 100 compares the payment information processed through the ordering company terminals 300, 300a, and 300b in response to the payment issuance information with preset ordering company evaluation information to evaluate the ordering company's transaction creditworthiness. I can.

That is, the platform management server 100 collects payment payment information processed through the ordering company terminals 300, 300a, 300b in response to the payment issuance information, but is preset based on the accumulated information of the payment payment information. Compared with the evaluation information of the ordering company, the creditworthiness of the transaction is evaluated for each ordering company.

Here, the payment information may include virtual account information, payment amount, and delinquency information assigned to each ordering company.

In addition, the platform management server 100 calculates and provides a credit rating according to a preset reference value for each supplier and orderer by using the transaction credit evaluation results of the supplier and the ordering company, and provides the supplier management unit 110 and the account management unit 120 ), an ordering company management unit 130, a payment information analysis unit 140, a credit evaluation unit 150, and a database 160.

The supplier management unit 110 is a component that manages individual supplier information and payment issuance information provided through the supplier terminal 200, supplier terminal 1 (200a) to supplier terminal n (200b) connected through a network, the supplier information It includes the supplier's name, representative name, registration number information, business address, business type, item, items handled, contact information, and information on accessible supplier terminals.

In addition, in order to evaluate the supplier's transaction creditworthiness, the supplier management unit 110 manages the deposit of the orderer and manages the supplier's budget based on the quotation, invoice, and tax invoice issued by the supplier for the goods delivered to the orderer. It is possible to additionally manage related information reflecting payment request, payment due date management, and financial design based on expected payment date.

The account management unit 120 is a configuration for assigning a virtual account for each ordering company in response to the payment issuance information provided from the supplier terminals 200, 200a, 200b, and managing the deposit/withdrawal details information of the virtual account. The real account of the platform management company that manages the management server 100-Here, the real account is the account of the platform management company of the financial company that has obtained real name confirmation- or it may be a virtual account linked with the real account of the platform management company. have.

That is, a virtual account is an account that can be used temporarily for electronic payment, and the payment is made from the ordering company based on the issuance information transmitted through the supplier terminal (200, 200a, 200b). In the case of withdrawal to, make it easy to check.

In addition, when the payment issuance information is input from the supplier terminals 200, 200a, 200b, the account management unit 120 creates a virtual account for each ordering company in response to each input of the payment issuance information to provide a relationship between the supplier and the ordering company. Match and manage.

The ordering company management unit 130 manages the ordering company's payment and payment information processed through the ordering company terminals 300, 300a, and 300b in response to the payment issuance information.

That is, the ordering company management unit 130 determines whether the payment amount has been paid to the virtual account information given for each ordering company based on the payment information, and whether the payment amount has been paid or overdue before the payment deadline. Manage information.

Payment information analysis unit 140, when a request for the evaluation of the creditworthiness of a company's transaction, the supplier management unit 110, the account management unit 120, and the ordering company management unit 130 manages the payment issuance information and payment payment information. Collect and evaluate.

That is, the payment information analysis unit 140 determines the number of issuance of payment information issued from the supplier terminals 200, 200a, 200b, the amount of payment, the item, and the transaction of the supplier and the orderer deposited/withdrawn in the virtual account. The evaluation is based on the details and information on the overdue of the client.

In addition, the payment information analysis unit 140 may collect payment issuance information and payment payment information accumulated over a certain period (eg, one year) for accurate evaluation.

In addition, the payment information analysis unit 140 extracts preset evaluation items based on the accumulated and collected payment issuance information and payment payment information, and compares the extracted evaluation items with evaluation information of the supplier and evaluation information of the orderer. Thus, it is possible to evaluate the creditworthiness of transactions for each supplier and ordering company.

That is, the payment information analysis unit 140, when evaluating the company's creditworthiness of the supplier, analyzes the payment issuance information, and extracts, for example, the payment billed amount, the collection amount, the item, the quantity, the ordering company, the date of issuance, and the like, Based on the extracted items, information such as the supplier's budget, the amount of money or money flow, and the amount of supply of goods is analyzed.

In addition, the payment information analysis unit 140 compares information such as the analyzed supplier's budget, fund flow, supply source, and quantity of supply with the evaluation item information set for corporate credit rating and reference values set for each item, and the supplier's transaction It evaluates the creditworthiness and provides information converted into a score.

In addition, the payment information analysis unit 140, when evaluating the corporate creditworthiness of the ordering company, analyzes the payment and payment information, for example, the payment amount, the supplier, an arbitrary payment deadline-Here, the payment deadline is a bill to the supplier, a tax From the date of issuance of the invoice, etc., whether the payment was paid within a certain period or the number of overdue occurrences exceeding the payment deadline, etc., and based on the extracted items, the amount of funds, production, circulation, and overdue occurrences of the orderer Analyze information such as.

In addition, the payment information analysis unit 140 compares the analyzed information such as the amount of money, production, distribution, and delinquency of the ordering company with the evaluation item information set for corporate credit rating and reference values set for each item, and Provides information converted into scores by evaluating.

The credit evaluation unit 150 uses the transaction credit score evaluated for each supplier based on the transaction credit information evaluated by the payment information analysis unit 140 and the transaction credit score evaluated for each ordering company. Compared with, the credit rating for each supplier and the credit rating for each client is calculated and printed.

In addition, the credit evaluation unit 150 may convert the calculated credit ratings for each supplier and each orderer into a preset format and output them as a list or the like.

The database 160 includes supplier information managed by the supplier management unit 110, the account management unit 120, the orderer management unit 130, the payment information analysis unit 140, and the credit evaluation unit 150, ordering company information, and each supplier. It stores accumulated payment and issuance information, accumulated payment and payment information for each ordering company, supplier evaluation information, issuer evaluation information, credit rating information for each supplier, and credit rating information for each ordering company.

Supplier terminals (200, 200a, 200b) may be composed of a supplier terminal 200, a supplier terminal 1 (200a) to a supplier terminal n (200b), and the platform management server 100 for payment issuance information input from an individual supplier. ) And the ordering company terminal (300, 300a, 300b).

In addition, the supplier terminals 200, 200a, 200b are desktop PCs, notebook PCs, or wireless communication devices, such as navigation, Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), and PHS. (Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) It may include all kinds of handheld-based wireless communication devices such as terminals, smartphones, smartpads, and tablet PCs.

In addition, a network refers to a connection structure in which information can be exchanged between nodes such as a plurality of terminals and servers, and examples of such networks include RF, 3rd Generation Partnership Project (3GPP) network, and Long Term Evolution (LTE). ) Network, 5GPP (5th Generation Partnership Project) network, WIMAX (World Interoperability for Microwave Access) network, Internet, LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN (Wide Area Network), A personal area network (PAN), a Bluetooth network, an NFC network, a satellite broadcasting network, an analog broadcasting network, a digital multimedia broadcasting (DMB) network, and the like are included, but are not limited thereto.

The ordering company terminal (300, 300a, 300b) transmits the purchase request information of the product to the supplier terminal (200, 200a, 200b), receives payment issuance information transmitted from each supplier terminal (200, 200a, 200b), , So that the payment amount according to the purchase of the product is deposited into the account of the platform management server 100.

In addition, the ordering terminal (300, 300a, 300b) is a desktop PC, notebook PC or wireless communication device, navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) ) All types of handheld-based wireless communication devices such as terminals, smartphones, smartpads, and tablet PCs may be included.

In addition, the ordering company terminals 300, 300a, and 300b may be connected to the platform management server 100 and the supplier terminals 200, 200a, 200b through a network.

The following describes a credit rating method using payment information between companies according to an embodiment of the present invention.

3 is a flowchart illustrating a credit rating method using payment information between companies according to an embodiment of the present invention.

1 to 3, the platform management server 100 collects (S100) payment issuance information issued from the supplier terminals 200, 200a, and 200b for evaluation of transaction credit and credit rating.

At this time, the payment issuance information collected in step S100 collects the payment issuance information of the supplier accumulated over a certain period of time.

In addition, in step S100, the platform management server 100 analyzes the payment issuance information from the supplier terminals 200, 200a, 200b, and the supplier's name, representative name, registration number information, business address, business status, item, contact information and access Supplier information including information on possible supplier terminals (200, 200a, 200b), payment amount, creation date, item, name of the ordering company, representative name, registration number information, business address, contact information, and accessible ordering company terminals (300, 300a, 300b) It is possible to extract information and virtual account information assigned to the ordering company.

Subsequently, the platform management server 100 collects payment payment information processed in response to the payment issuance information through the ordering company terminals 300, 300a, and 300b (S200).

At this time, the payment and payment information collected in step S200 collects the payment and payment information of the ordering company accumulated over a certain period of time.

In addition, in step S200, the platform management server 100 pays the amount paid to the virtual account given to the ordering company, the payment deadline-where the payment deadline is the date of issuing the invoice, tax invoice, etc. to the supplier-within a certain period of time. Accumulated information including whether the payment has been paid or the number of overdue occurrences exceeding the payment deadline is extracted.

After performing the steps S100 and S200, the platform management server 100 compares the supplier evaluation information set in advance based on the accumulated information of the payment issuance information, and compares the transaction credit rating of the supplier and the accumulated information of the payment payment information. Based on the evaluation information of the ordering company set in advance, the transaction credit rating of the ordering company is evaluated (S300).

That is, in step S300, the platform management server 100, when evaluating the company's creditworthiness of the supplier, analyzes the payment issuance information issued from the supplier terminals 200, 200a, 200b, and the number of issuance of the payment issuance information, the supplier Information, billing amount, collection amount, creation date, payment deadline, item, ordering company information, deposit/withdrawal history information, quantity, ordering company, issuance date, etc. of account information given by each ordering company can be extracted.

In addition, it is possible to analyze information such as the supplier's budget, the amount of money or the flow of money, and the amount of supply of goods based on the extracted items.

In addition, by comparing the analyzed supplier's budget, fund flow, supply source, and quantity of supply with the evaluation item information set for corporate credit rating and the standard values set for each item, the supplier's transaction credit rating is evaluated and converted into a score. You can also provide

In addition, the platform management server 100 in step S300 analyzes the payment and payment information processed through the ordering company terminals 300, 300a, 300b when evaluating the company's creditworthiness of the ordering company and, for example, giving each ordering company. Deposit/withdrawal history (paid amount) information, supplier, and arbitrary payment deadline-where the payment deadline is the date of issuing the invoice, tax invoice, etc. to the supplier-whether the payment was paid or paid within a certain period of time Delinquency information such as the number of overdue occurrences exceeding the deadline can be extracted.

In addition, based on the extracted items, information such as the amount of money, production, circulation, and delinquency of the ordering company is analyzed, and the analyzed information such as the amount of money, production, circulation, and delinquency occurrence of the ordering company is evaluated set for corporate credit rating. It is possible to provide information converted into a score by evaluating the transaction credit rating of the ordering company by comparing item information and reference values set for each item.

Subsequently, the platform management server 100 calculates a credit rating according to a preset reference value for each supplier and orderer by using the results of the transaction credit rating of the supplier and the orderer (S400).

That is, in step S400, the platform management server 100 sets a preset credit rating of the transaction credit score evaluated for each supplier and the transaction credit score evaluated for each orderer based on the transaction credit information of the supplier and the orderer evaluated in step S300. The credit rating for each supplier and the credit rating for each client can be calculated and output by comparing with the rating score for classification.

In addition, the calculated credit rating for each supplier and the credit rating for each ordering company may be output as a credit rating list converted into a preset format.

Therefore, it is possible to evaluate the credit rating of the company by determining the transaction credit level of the supplier and the ordering company based on the payment-related data between companies, and by accumulating payment-related data between the supplier and the ordering company, You can calculate a more accurate credit rating.

As described above, although it has been described with reference to a preferred embodiment of the present invention, those skilled in the art will variously modify and change the present invention within the scope not departing from the spirit and scope of the present invention described in the following claims. You will understand that you can do it.

In addition, reference numerals in the claims of the present invention are provided for clarity and convenience of description, and are not limited thereto. May be exaggerated for clarity and convenience of description.

In addition, the above-described terms are terms defined in consideration of functions in the present invention and may vary according to the intention or custom of users or operators, so interpretation of these terms should be made based on the contents throughout the present specification .

In addition, even if not explicitly shown or described, a person having ordinary knowledge in the technical field to which the present invention pertains can make various modifications including the technical idea according to the present invention from the description of the present invention. It is obvious, and this still belongs to the scope of the present invention.

In addition, the above embodiments described with reference to the accompanying drawings are described for the purpose of describing the present invention, and the scope of the present invention is not limited to these embodiments.

100: platform management server
110: Supplier management department
120: account management department
130: Ordering company management department
140: payment information analysis unit
150: credit evaluation unit
160: database
200: Supplier terminal
200a: Supplier terminal 1
200b: Supplier terminal n
300: ordering company terminal
300a: ordering company terminal 1
300b: ordering company terminal n

Claims (9)

Supplier information provided through the supplier terminals (200, 200a, 200b), information on payment issuance based on the price quote, invoice, and tax invoice of the goods delivered by the supplier to the ordering company, and management of deposits of the ordering company for evaluation of the supplier's transaction credit rating, A supplier management unit 110 that manages a payment request for a price related to the supplier's budget planning, a payment due date management, and financial design information based on an expected settlement date;
An account management unit that manages deposit/withdrawal details information of the virtual account by assigning a virtual account to each ordering company in response to the payment issuance information provided from the supplier terminal (200, 200a, 200b) to match the supplier and the ordering company ( 120);
An ordering company management unit 130 for managing payment and payment information processed through the ordering company terminals 300, 300a, 300b in response to the payment issuance information;
When a transaction credit evaluation of the supplier and the orderer is requested, the payment issuance information and payment payment information accumulated for a certain period of time are collected, and preset evaluation items are extracted based on the collected payment issuance information and payment payment information. And, by comparing the extracted evaluation items with the evaluation information of the supplier and the ordering company, a payment information analysis unit 140 to evaluate the creditworthiness of the transaction for each supplier and the ordering company;
A credit rating unit 150 for calculating a credit rating by comparing the credit rating of the transaction evaluated for each supplier and the credit rating for each client with a preset classification rating; And
Stores the above supplier information, orderer information, accumulated payment and issuance information for each supplier, accumulated payment and payment information for each orderer, supplier evaluation information, issuer evaluation information, supplier-specific credit rating information, and client-specific credit rating information. Including; database 160;
The transaction credit rating is compared with the evaluation item information set for corporate credit rating and standard values set for each item for the supplier's budget, fund flow, product supply source, supply amount information, and the amount of money, production, circulation, and delinquency occurrence information of the orderer. Credit rating system using payment information between companies, characterized in that providing the evaluated value. The method of claim 1,
The payment issuance information includes supplier information, payment amount, creation date, payment deadline, item, ordering company information, and account information given for each ordering company. The method of claim 1,
The credit rating system using the payment information between companies, characterized in that the payment information includes virtual account information, payment amount, and overdue information given for each ordering company. delete delete The method of claim 1,
The payment information analysis unit 140 determines the number of issuance of payment information issued from the supplier terminals 200, 200a, 200b, payment amount, item, and transaction details of suppliers and orderers deposited/withdrawn in a virtual account. , Credit rating system using payment information between companies, characterized in that the evaluation based on at least one or more of the overdue information of the ordering company. a) When the platform management server 100 is requested to evaluate the transaction credit rating of the supplier and the ordering company, supplier information provided through the supplier terminals 200, 200a, 200b, an estimate of the goods delivered by the supplier to the ordering company, invoices, and taxes Collecting payment issuance information based on a bill, payment management of the orderer for evaluation of the creditworthiness of a supplier's transaction, a request for payment of payments related to the budgeting of the supplier, management of payment due dates, and collection of financial design information based on the expected payment date;
b) collecting, by the platform management server 100, payment and payment information processed through ordering company terminals (300, 300a, 300b) in response to the payment issuance information;
c) The platform management server 100 collects the payment issuance information and payment payment information accumulated for a certain period of time, and extracts a preset evaluation item based on the collected payment issuance information and payment payment information, Comparing the extracted evaluation items with evaluation information of suppliers and ordering companies to evaluate transaction creditworthiness for each supplier and ordering company; And
d) calculating, by the platform management server 100, a credit rating according to a preset reference value for each supplier and ordering company using the results of the transaction credit rating of the supplier and the ordering company; including,
The transaction credit rating is compared with the evaluation item information set for corporate credit rating and standard values set for each item for the supplier's budget, fund flow, product supply source, supply amount information, and the amount of money, production, circulation, and delinquency occurrence information of the orderer. Credit rating method using payment information between companies, characterized in that providing the evaluated value. The method of claim 7,
The creditworthiness of the supplier's transaction in step c) is the number of issuance of payment information issued from the supplier terminal (200, 200a, 200b), supplier information, payment amount, creation date, payment deadline, item, ordering company information, ordering company Credit rating method using payment information between companies, characterized in that the evaluation is based on the deposit/withdrawal history information of each given account information. The method of claim 7,
The creditworthiness of the client's transaction in step c) is based on the deposit/withdrawal details information, payment amount, and delinquency information of the virtual account given for each client of the payment information processed through the client terminal (300, 300a, 300b). Credit rating method using payment information between companies, characterized in that to evaluate.

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