KR20010094729A - A method and system for opening information of discredit client using internet - Google Patents

Abstract

PURPOSE: A method and system for disclosing information of credit risk over the internet are provided to open a list of the credit risk by a service provider, and to delete the list when the credit risk recovers the credit. CONSTITUTION: A registration group database(34) stores information of a group, which attends on a member. A credit risk database(35) stores information with respect to customers on a list of the credit risk. A credit risk open server(30) controls a registration, delete, input, and output with respect to the data stored in the credit risk database(35). A client computer accesses the credit risk open server(30) and searches information of a member registration group and the credit risk. An individual client(10) searches information of a registered member group and a customer on the list of the credit risk.

Description

Method of disclosing the information of credit poor customers on the Internet and its system {A METHOD AND SYSTEM FOR OPENING INFORMATION OF DISCREDIT CLIENT USING INTERNET}

The present invention relates to a method and system for disclosing information on a bad credit customer on the Internet. More specifically, the service provider organization discloses a list of poor credit customers on the Internet, and the bad credit customer has his credit. The present invention relates to a method and system for disclosing information on a bad credit customer on the Internet to delete a public list in the event of a recovery action.

Conventionally, in order to receive a fair price from customers who provide a service to a customer and a service group operated by paying for the service provided by the service organization, the customer is encouraged to pay or call a reminder through a telephone call. There was a problem that the time and cost to spend a lot.

In addition, there were many disputes with customers during the dunning process. If the dunning method did not resolve the solution, the only option was to rely on the law. There was a problem that the organization was not effective in the way that the organization was paid justly. In particular, when the amount of the price to be paid by the group is not large, the above problems were more severe.

Accordingly, the present invention has been made to solve the above problems, and an object of the present invention is to efficiently receive a fair price from customers who do not pay for the service provided by the service provider before taking legal action. It is to provide a method and a system to enable.

In addition, another object of the present invention is to allow service providers to warn customers of credit failures in advance, thereby preventing the credit failures of customers and creating a correct credit society.

1 is a schematic configuration diagram of an information disclosure system of a poor credit customer according to an embodiment of the present invention;

2 is a conceptual diagram of an information disclosure method of a poor credit customer according to an embodiment of the present invention;

Figure 3 is a flow chart of the membership registration process according to the information disclosure method of poor credit customers of the present invention, Figure 4 is a flow chart of the bad customer registration process, Figure 5 is a flow chart of the information retrieval process, Figure 6 is a flow chart of the bad customer deletion process .

* Explanation of symbols for the main parts of the drawings

10: individual client 20: registered group client

30: Bad credit customer open server 31: Network interface unit

32: web server 33: database management unit

34: Registered Organization Database 35: Bad Customer Database

In order to achieve the above object, the information disclosure system of a poor credit customer on the Internet of the present invention is a registration group database that stores registration information of registrants who want to utilize the services of the system, and information about bad customers of registered organizations. A bad customer disclosure server including a bad customer database storing a data server, a web server for inputting and controlling data of the database, and controlling the entire system; A registered group client accessing the credit poor customer disclosure server to register and search a list of bad customers; It includes a personal client that can access the list of bad credit customers and retrieve a list of bad customers.

In addition, the disclosure method of the list of bad credit customers using the Internet of the present invention is a registration group registration process in which a group that wants to disclose a list of bad credit customers to register the information of the group, and a list of bad customers after registration setting The process includes a bad customer disclosure process of registering and publishing a bad customer list, and a bad customer list deleting process of deleting a list of registered bad customers after the credit recovery between the registered organization and the bad customer. The credit recovery between the registrar and the bad customer means that the unresolved transaction between the two was resolved by paying the fair price for the service provided by the bad customer.

Hereinafter, with reference to the accompanying drawings, a method and a system for disclosing information of a bad credit customer using the Internet of the present invention will be described in detail. In describing the present invention, detailed descriptions of well-known functions and configurations that can be easily implemented and understood by those skilled in the art will be omitted.

1 is a schematic configuration diagram of an information disclosure system of a poor credit customer using the Internet according to an embodiment of the present invention.

According to FIG. 1, the system of the present invention establishes a network with a client, stores information of a registered organization that registers as a member, stores information about a credit poor customer of the registered organization, and discloses the stored information to the client. A server 30, a registered group client 20 which registers and retrieves information of a bad credit customer by registering with the bad credit customer disclosure server 30, and accesses the bad credit customer disclosure server 30 to the credit. It comprises a personal client 10 that can search the roster of bad customers.

The bad credit customer disclosure server 30 has a network interface unit 31 for establishing communication between the registered group client 20 and the individual client 10, and a registered group storing registration information of the registered group client 20. Database 34, bad customer database 35 for storing the information of the bad credit customer provided from the registered group client 20, and the database management unit for controlling the input and output of the database (34, 35) to search (33), and a web server 32 for controlling each part of the bad credit customer disclosure server 30.

The web server 32 receives registration information from the registered group client 20 to utilize the system and stores the registration information in the registered group database 34 through the database manager 33, and registers the registered client 20. The information on the bad credit customer provided from the stored in the bad customer database 35 through the database management unit 33, the personal client 10 to request by searching the registration information and the information of the bad credit customer of the registered registration group B Provide to the registered group client (20). In particular, the web server 32 controls the information of the bad credit customer to be registered directly by the registered group client 20, the information about the registered bad credit customer to the operator of the bad customer disclosure server 30 Control to delete only by

The registered group client 20 and the individual client 10 are implemented as a computer equipped with a network function to receive the services provided by the bad credit customer disclosure server 30.

Hereinafter, a service process according to an embodiment of the present invention having the above configuration will be described in detail.

Figure 2 is a service block diagram showing the overall service process according to an embodiment of the present invention, Figure 3 is a flow chart according to the registration process, Figure 4 is a flow chart according to the bad customer registration process, Figure 5 according to the information search process 6 is a flowchart illustrating a process of deleting a bad customer.

In accordance with an embodiment of the present invention, a method for disclosing information on a bad credit customer is recruited to an organization with a business registration certificate, and the registered group client 20 registered to the member sends the bad credit customer information to a bad credit customer open server. (30) to be directly disclosed on the Internet, and the information of the bad credit customer information can be deleted only by the operator of the bad credit customer disclosure server 30 at the request of the registered group client (20). In addition, the individual client 10 was able to search the published information without registering.

As shown in FIG. 2, the present invention provides a registration group registration process (S100) of a registered organization in which a registered group client 20 registers to receive a service by accessing a credit poor customer disclosure server 30, and registered registration. After the verification process of identifying the identification code (ID and PASSWORD) of the group client 20, the registered group client 20 registers and discloses the information of the credit poor customer (S300) and the individual, An information retrieval process (S400) in which the client 10 or the registered group client 20 retrieves the information of the poor credit customer and the registered registered client 20, and the registered group client 20 It includes a bad credit customer deletion process (S500) requesting to delete the information of the bad credit customer registered in the bad credit customer disclosure server 20 by recovering the credit with the bad credit customer.

In the registration registration process (S100), as shown in FIG. 3, in step S110, a group wishing to join a member accesses a credit poor customer disclosure server 30 to determine whether to register in step S120, and then in step S130. Register the information of the organization according to the membership and apply for membership. The bad credit customer disclosure server 30 checks the registered information in step S140 and goes through a confirmation procedure, determines whether to register in step S150, and then notifies the organization of whether the determined membership is registered through step S160 or step S170. By doing so, the registration process ends. In the process of determining whether to register as a member, the public credit bad customer server 30 can check and request the public certification data of an organization such as a business registration certificate from a group wishing to register as a member. The data is stored in the database 34 and disclosed to the individual client 10 or other registered group client 20.

In addition, the bad credit customer registration process (S300) is a registered group client 20 registered in step S310 as shown in Figure 4 accesses the bad credit customer disclosure server 30, in step S320 member identification code After entering the (ID and PASSWORD) through the member authentication process of step S330, in step S340 the bad customer database (35) of the bad credit customer disclosure server 30 for information about the bad customer of the registered group client (20) The process is completed by registering directly with the network and confirming the information registered in step S350 on the Internet. The information of the registered bad credit customer is disclosed to the individual client 10 or the registered group client 20 on the internnet.

In the information retrieval process (S400), as shown in FIG. 5, the personal client 10 or the registered group client 20 accesses the credit poor customer disclosure server 30 in step S410, and whether or not the information search is performed in step S420. Determine and check the information of the bad credit customer according to the search result and the registered registered group client 20 by inputting a search word directly in step S430 without the need for a member authentication process. In step S450, it is determined whether to search for other information, and the process returns to step S430 to repeat the search process or the information search process is terminated. The individual client (10) who is not a member in the above process can also check the information of the bad credit customer and the information of the registered group client (20), which is the bad credit customer who did not pay the fair price even after receiving the service. The purpose is to open the information to the public to induce payment of the unpaid customers themselves. In addition, it is possible to obtain a publicity effect according to the information of the registered group client 20 to the public naturally. The search word can be easily implemented according to the related art according to the position of the operator of the registered group client 20, the credit bad customers, the operator of the credit bad customers public server 20.

The bad credit customer deletion process (S500) is performed by the registered group client 20 that registers the bad credit customer information through the bad credit customer registration process (S300) as shown in FIG. 6. After accessing the credit poor customer disclosure server 30 through S530 and performing a member authentication process, if the request is made to the credit poor customer disclosure server 30 to delete the information of the credit poor customer in step S540, the credit poor customer is disclosed in step S550. The public server 30 deletes the information of the poor credit customer after the verification process, and ends in step S560 by checking the registration group client 20 on the Internet. The above process registers the information about the bad credit customer. This occurs when the registered group client 20 restores the credit with the bad credit customer. In the above process, the registered group client 20 does not directly delete the information of the bad credit customer so that the bad credit customer disclosure server 30 deletes it through the verification process. This is to receive a certain amount of payment from the registered group client (20). In the above process, the registered group client 20 may directly delete the information of the bad credit client in accordance with the contract between the operator of the credit bad customer disclosure server 30 and the registered group client 20.

The disclosure of the above bad credit customer information to the general public through the Internet using the bad credit customer disclosure server 30 should obtain the consent of the bad credit customer. Consent of the bad credit customer may be performed by obtaining a customer's consent by specifying the above process on the service agreement when the bad credit customer first tries to receive the service as a general customer. .

Hereinafter, as an embodiment of the present invention, by applying an example in which a registered group client 20, which intends to use a bad credit disclosure service provided by a bad credit disclosure server 30, is formed of an operating group operating a computer school, The series of processes will be described in detail.

First, the operator of the bad credit disclosure server 30 configures a website using the bad credit disclosure server 30 and provides it on the Internet. The website allows a group that wants to sign up to enter information about the group to fill out a membership application form, or, in the case of a registered member, to check the issued member identification code (ID and PASSWORD). And a page related to the authentication procedure, a member information modification page for modifying the information of the registered registration organization, and a credit failure for registering information on the credit poor customer of the member registration organization to be disclosed on the Internet. A customer registration page, an information search page for retrieving the information of the bad credit customer and the information of the member registration organization, and a request for the bad credit customer disclosure server 30 to delete the information of the bad credit customer. It is provided with a page for requesting the removal of bad credit customers.

The computer academy operating group first accesses the web site and provides a membership identification code (ID and PASSWORD) in order to receive an open credit service. The provided member identification codes (ID and PASSWORD) are required when registering or deleting a credit bad customer generated while operating a computer academy in a credit bad customer disclosure server 30, the computer academy operating group is only in another group The member identification codes (ID and PASSWORD) mentioned above are not required in order to retrieve the information of the bad credit customers. In order to register as a member, information in a certain form required by the website of the service, for example, a group name, a representative name, a telephone, a mobile phone, etc., must be input, and a business registration certificate confirming that the group is an authorized group is required. Shall be. If a computer academy operating group is registered and provided with a member identification code (ID and PASSWORD), it will go through the process of authenticating its membership through the member identification code (ID and PASSWORD) in future services.

The computer academy operating group has a dispute with the customer when the customer registers with the computer academy and writes an agreement, and if the customer is provided with learning and pays no fee, it can be disclosed on the bad credit list. Remove your possessions. If the client is a minor, it is natural to obtain parental consent.

The registered computer academy can modify the changed information of the computer academy through the member information modification page, and the information on the credit poor customers who are provided with learning and do not pay the membership fee during the operation of the computer academy on the credit poor customer registration page. You can register and publish on the Internet. The bad credit customer registration page may include a registered organization name for registering a bad credit customer directly written by the computer academy, a name of the bad credit customer, a telephone, an address, a reason for registering as a bad credit customer, and the like. In addition, there is an argument section where a customer registered as a bad credit customer can make a plea regarding the above contents so that a bad customer can be countered if he is unfairly listed.

When the customer registered as the bad credit pays the membership fee pushed by the computer academy, the computer academy through the credit bad customer deletion request page, the credit bad customer registered with the fee previously agreed to the operator of the bad credit customer disclosure server 30 Request to delete the information of, the operator of the bad credit customer disclosure server 30 receives a fee and deletes the information of the bad credit customer.

The individual client 10 accessing the service does not require a separate membership, and the information of the poor credit customer and the member registration group can be searched through the information search page. The search method is implemented in various ways, such as by region, by industry, name or social security number.

According to the above-described embodiment of the present invention, a method of distributing credit customer information on the Internet, and a system thereof may be slightly modified according to the operator of the credit customer disclosure server 30. For example, the information on the bad credit client may be disclosed only to the registered registered members, and not directly to the individual client 10, and the registered organization directly registering the bad credit client's information may be directly disclosed. You can even delete it.

As described above, according to the present invention, before the service provider organizations take legal measures against the poor credit customers, the information of the bad credit customers is disclosed and warned on the Internet so that the bad credit customers can recover their credit. Only when the information is disclosed is deleted, so that the bad credit customers whose information is disclosed are encouraged to try to recover their own credit, so that the service provider organizations can easily pay the fair price for the service by saving time and money. It has an effect. In addition, since the information of the bad credit customers registered in the bad credit customer disclosure server is disclosed to all registered organizations or individuals in each field, it is possible to prevent the bad credit of the customers in advance by instilling awareness of the customers' credit. There is an effect to create a correct credit society, and also the information of the registrars that register the bad credit customers is disclosed, thereby promoting the natural promotion of the registrars.

Claims (7)

In the Internet information providing service method made through the Internet of the server / client environment, In order to register the list of bad credit customers to register with the Internet service provider, the registration process (S100), which registers the information of the group in the database, and the information of the bad credit customers after the registration of the Internet service provider Registered in the database to register the bad credit customer registration process on the Internet (S300), the information search process for searching the information of the registered registration and the bad credit customer registration (S400) and by the member registration group Method of disclosing the information of the bad credit customer on the Internet, including the process of deleting the bad customer (S500) to delete the registered and published information of the bad customer from the database. The Internet service provider of claim 1, wherein the deleting of the bad credit customer (S500) is performed by the Internet service provider to delete the bad credit customer information from the database at the request of the member registration organization that registered the bad credit customer. How to Disclose Credit Bad Clients on the Market. The method of claim 1, wherein the deleting of the bad credit customer (S500) is performed by the member registration organization that registered the bad credit customer, and deletes the bad credit customer information directly from the database. Information Disclosure Method. The method of claim 1, wherein the information of the member registration group disclosed on the Internet includes at least one or more of a registered group name, a representative name, a phone number, an e-mail address, and a homepage address. Information Disclosure Method. According to claim 1, The information of the bad credit customers disclosed on the Internet, the name of the bad credit customer, the telephone number, the name of the registered organization that registered the bad credit customer, the reason for registering as a bad credit customer, registered directly by the bad credit customer At least one or more of the pleadings for credit failure information disclosure method of the bad credit customers on the Internet characterized in that it is included. In the information providing system provided through the Internet of the server / client environment, Registered organization database 34 for storing information of the group to join the member to utilize the information providing system, bad customer database 35 for storing information about the poor credit customers of the registered group, and the registered group The bad credit customer disclosure server 30 including a web server 32 controlling the registration, deletion, input, and output of the database 34 and the bad customer database 35 data and controlling the entire system. Wow; Credit on the Internet, characterized in that it comprises a general client consisting of a computer having a network function for accessing the bad credit customer disclosure server 30 to retrieve the public information of member registration organizations and bad credit customers Bad Customer Information Disclosure System. 7. The method of claim 6, wherein the general client registers the information of the bad credit customer to the bad customer database 55 through the membership registration so as to be disclosed on the Internet and deletes the registered bad credit information. Internet characterized in that it includes a registered group client (20) that can request to the bad credit customer disclosure server 30, and a personal client (10) that can retrieve the information of the registered member registration and bad credit customers; Information disclosure system of bad credit customers on the market.