KR20020012144A - System and method for managing a inquiry of a credit information based on the on-line network - Google Patents

Abstract

PURPOSE: A credit data reference management system and method is provided to manage credit data of hiring/transacting companies and hiring/transacting applicants, and perform an agreement process of opening a credit data of the hiring/transacting applicants in advance so that it can make it easy supplying or referring the credit data over the network. CONSTITUTION: The system comprises a database block(50), a credit data reference authority code management module(31), a credit assessment management module(32), an operation management module(33), and a credit data reference management server(10). The server(10) determines a storage or an extraction of credit data supplier information, cooperation company information, credit assessment information, or operation information by controlling the management modules(31,32,33). In the case that a credit data supplier requests a credit data reference authority code, the server approves the personal or company data of the supplier, generating the authority code matching with the supplier, and transmitting the code to the credit data supplier. In the case that a cooperation company requests a credit data reference by using the issued authority code, the server checks the cooperation company, extracts credit data corresponding to the authority code, and transmits the extracted data to the cooperation company.

Description

Credit information inquiry management system based on online network and credit information inquiry management method using the same {System and method for managing a inquiry of a credit information based on the on-line network}

The present invention relates to a credit information inquiry management system based on an online network. More specifically, through a close linking process of dedicated modules, a credit information inquiry right code providing process and credit information using a credit information inquiry right code are provided. By conducting the inquiry process systematically, any credit provider, affiliate, etc., based on the online network, the credit based on the online network can induce a more stable credit information provision / use process An information inquiry management system. Moreover, the present invention relates to a credit information inquiry management method using such a credit information inquiry management system.

In recent years, as the employment, transaction, etc. using the online network have become frequent, the issue of checking the credit status of an arbitrary employment prospector and a transaction prospector has emerged as an important issue.

Accordingly, in order to reduce the company's unforeseen damages to a company that wants to establish a series of employment relations and transaction relations with the former employment prospective and transaction prospective persons, the relevant employment / transaction relations before the full-fledged employment / transaction relation are formed in advance. The credit status of the prospective employer / transaction candidate is inquired and used as an important indicator for the actual success of the employment / transaction relationship.

However, since the credit information of the applicants for employment and the applicants for transaction is very important information for the parties, if the credit information is abused indiscriminately by the malicious company, the applicants for employment, the applicants for the transaction, etc. are unpredictable. There is no choice but to suffer damage. In order to reduce such damage, a law on the use and protection of credit information has recently been enacted, and the restriction on "inquiry of credit information by a specific person" has been greatly strengthened.

As such, the restriction on "inquiry of credit information by a specific person" has been greatly strengthened, so that credit information of employment applicants / transactional candidates and the like is protected to some extent, but as a result, certain companies have to go through a series of complicated documents. It is unavoidable to take the inconvenience of inquiring about credit information about the applicants for employment / transactions. In addition, any employment prospector / transaction prospector is also forced to accept the inconvenience of providing his / her credit information to a particular company only through a series of complicated paperwork procedures.

Of course, if the entire credit information provision process / credit information inquiry process, etc. are carried out collectively online, the above problems can be easily solved, but in the conventional online credit information inquiry system, it is possible to replace a separate document procedure. Since the routine is not provided, it is not possible to smoothly proceed with the legitimate credit information providing process / credit information inquiry process by using the conventional credit information inquiry system.

In addition, since the conventional online credit information inquiry system does not have a separate process for stably maintaining the "online security of credit information", the credit information of the employer / transfer applicant who is sent and received online is malicious. Even if a hacker is hacked by a conventional online credit information inquiry system, the existing online credit information inquiry system cannot cope with this flexibly. Therefore, under the conventional online credit information inquiry system, an employment prospector / transfer candidate wishes that his credit information is sent to a malicious company. It is forced to take the problem that can be abused indiscriminately.

Due to these various problems, while deeply recognizing that it is very advantageous in many ways for the employment / transaction prospector and the employment / trading company to carry out the credit information provision process / credit information inquiry process online in many ways, This is not the actual situation.

Therefore, the purpose of the present invention is to manage the identity of any employment / trading company, employment / transaction candidates, such as D / B, and before the credit information providing process / credit information inquiry process, etc. Procedures, such as the "Procedures for Disclosure of Self-Credit Information of Employers / Traders, etc." in advance, allow conventional complex document procedures to be easily resolved online, thereby enabling any employment / transaction prospectors, It is intended to induce the process of providing credit information / credit information inquiry process that is necessary for itself in the trading company more easily.

Another object of the present invention is to allow a series of credit information retrieval process to proceed through "any credit information inquiry right code that can not be used by itself, without a separate identification process", so that credit information by hacking It is to prevent external leakage in advance.

Another object of the present invention is to perform a series of credit information lookup rights code verification procedures, employment / trading company identification procedures, etc. in a single routine before transferring the credit information of the employment / transaction candidates to the online network Thus, by allowing a malicious company access to the system to be blocked in advance from the login stage, it is to induce indiscriminate abuse of credit information.

Still other objects of the present invention will become more apparent from the following detailed description and the accompanying drawings.

1 is an exemplary diagram conceptually showing a credit information inquiry management system based on an online network according to an embodiment of the present invention.

2A and 2B are flowcharts sequentially illustrating a credit information inquiry management method according to an embodiment of the present invention.

3 to 10 are conceptual views illustrating an online page posting state of a credit information provider-side client and an affiliated company-side management system according to an embodiment of the present invention.

11 is a flowchart sequentially showing a credit information inquiry management method according to another embodiment of the present invention.

12 is an exemplary diagram conceptually showing a credit information inquiry management system based on an online network according to another embodiment of the present invention.

13 is a flowchart sequentially showing a credit information inquiry management method according to another embodiment of the present invention.

In order to achieve the above object, in the present invention, a database block (D / B block: hereinafter referred to as "D / B block"), credit information inquiry right code management module, credit evaluation management module, operation A credit information inquiry management system based on an online network including a combination of an information management module and a credit information inquiry management server is disclosed. In this case, the preceding D / B block contains the credit provider D / B, which stores a series of credit provider information, the partner information D / B, which stores a series of partner information, and the credit, which stores a series of credit information inquiry right codes. The information inquiry right code D / B, credit rating information D / B in which a series of credit rating information is stored, and operation information D / B in which a series of operating information are stored are provided.

In this case, the above-described credit information inquiry right code management module randomly generates a series of credit information inquiry right codes, and selectively stores them in credit information inquiry right codes D / B, or credit information inquiry right codes Is selectively extracted from the credit information inquiry right code D / B, and the credit rating management module extracts a series of credit rating information stored in the credit rating information D / B according to the control of the credit information inquiry management server. It performs selective extraction.

In addition, the operation information management module selectively stores the above credit information provider related information, partner information, operation information, etc., respectively, in the credit information provider D / B, partner information D / B, operation information D / B, or the like. It selectively extracts information from credit provider D / B, partner information D / B, and operation information D / B.

In this case, the aforementioned credit information inquiry management server closely controls the above credit information inquiry right code management module, credit evaluation management module, and operation information management module, so that credit information provider related information, partner information, and credit information inquiry right Determine whether to store and extract code data, credit rating information and operational information.

In this state, when a series of credit information inquiry right code provision event occurs from any credit information provider side client, the credit information inquiry management server utilizes the above-described operation information management module and credit information inquiry right code management module, In addition to verifying the identity of the credit provider, and optionally generating a credit information inquiry right code that matches the verified credit information provider, the credit information inquiry right code can be transferred online to the partner management system. It serves to transmit.

In addition, when a series of credit information look-up events using the previous credit information look-up right code occurs from any partner management system, the credit information inquiry management server utilizes the above-described operation information management module, credit rating management module In addition to verifying the identity of the affiliated company, extracting the matching credit rating information of the credit information provider corresponding to the credit information inquiry right code, and transmits the matching credit rating information to the previous partner management system. Perform.

Hereinafter, with reference to the accompanying drawings, a credit information inquiry management system based on the online network according to the present invention and a credit information inquiry management method using the same in more detail as follows.

As shown in FIG. 1, the credit information inquiry management system 100 based on the online network according to the present invention is largely divided into a D / B block 50, a D / B management server 40, and credit information inquiry management. Server 10 or the like. In this case, the previous D / B block 50 includes the credit provider D / B 51, the partner information D / B 52, the credit information inquiry right code D / B 53, and the credit rating information D / B. B 54, operation information D / B 55, and the like are arranged.

At this time, the credit information provider D / B 51, for example, "credit information provider authentication ID, credit information provider password, credit information provider name, credit information provider address, credit information provider mail account, credit information provider system visit history ... And a set of credit provider related information such as "," and the partner information D / B 52 may include, for example, "certified IDs of affiliates that have entered into a series of credit transactions with the system 100, A series of partner information such as a partner name, a partner mail account, and a visit to the partner system ‥‥ ”are stored, and the credit information inquiry right code D / B 53 is stored by the credit information inquiry right code management module described later. A series of randomly generated credit information inquiry right code data such as " RJS21Q32, CDD22234YRR, ASWEQ32566 ... "

In addition, the credit rating information D / B 54 stores credit rating information of specific credit information providers registered and stored in the previous credit information provider D / B 51, and the operation information D / B 55 is stored. For example, a series of operation related information for operating an online page such as " online page graphic information, online page setting information.

At this time, the previous D / B management server 40 stores the above-described credit information provider data, partner information, credit information lookup rights code data, credit evaluation information, operation information and the like to the required area of the D / B block 50 Optionally store or operate the above credit information provider D / B (51), partner information D / B (52), credit information inquiry right code D / B (53), credit rating information D / B (54) And selectively outputs the above-mentioned various data from the information D / B 55 and the like.

In this case, the D / B management server 40 not only plays a role of storing and outputting various data, but also simultaneously plays an intelligent role of efficiently managing the data in the fastest time without overlapping.

On the other hand, as shown in the figure, the previous credit information inquiry management server 10 via the credit information query right code management module 31, credit evaluation management module 32, operation information management module 33, etc. By systematically controlling the D / B management server 40, whether to store and extract the above-described credit information provider data, affiliate information, credit information inquiry right code data, credit evaluation information, operation information, etc. may be selectively determined. It acts as a control.

Along with such a relationship with the D / B management server 40, the above-described credit information inquiry management server 10 via the interface module 20, any credit information provider side client (1), affiliated party side The management system 2 and the like also form a close signal connection relationship. In this case, the system operator prepares a legal basis for the stable operation of the present invention by signing a series of "credit use transactions" with the above affiliated parties in advance.

In a state where such a base environment is prepared, when a series of credit information inquiry right code provision events occur from the previous credit information provider-side client 1, the credit information inquiry management server 10 performs the above-described operation information management module ( 33), by using the credit information inquiry right code management module (31), and confirms the identity of the credit information provider, and selectively generates a credit information inquiry right code matching the identified credit information provider In this case, the credit information inquiry right code is transmitted to the affiliated party management system 2 online.

In addition, when a series of credit information look-up events using the previous credit information look-up right code occurs from any partner company management system 2, the credit information inquiry management server 10 is the operation information management module 33 described above. ), Using the credit rating management module 32, etc., to verify the identity of the affiliated company, and extract the "matching credit rating information" of the credit information provider corresponding to the credit information inquiry right code. It transmits to the partner side management system (2).

At this time, the above interface module 20 processes various event data transmitted from the credit information provider side client 1, the affiliated side management system 2, and the like, which are connected through the online network, and the event data is described above. It plays a role of delivering to the credit information inquiry management server 10, and processes a variety of information transmitted from the credit information inquiry management server 10, and manages the information to the credit information provider side client (1), affiliated party management It also plays a role of quick delivery to the system 2 and the like.

Here, the above-described credit information inquiry right code management module 31, for example, when a series of "credit information inquiry right code provision event" occurs from the credit information provider side client 1, the credit information inquiry management server 10 According to the control of the randomly generated a series of credit information query right code matching the specific credit information provider, and then selectively stores this credit information query right code in the preceding credit information inquiry right code D / B (53) It plays a role.

In addition, the credit rating management module 32, for example, when a series of "credit information inquiry event" for retrieving the credit information of a specific credit information provider from the partner side management system 2, the credit information inquiry management server Under the control of (10), it performs a role of systematically extracting and processing a series of credit rating information stored in the credit rating information D / B 54.

At this time, the operation information management module 33 is connected to the D / B management server 40, the credit information provider D / B 51, the partner information D / B arranged in the D / B block 50 (52), by systematically controlling the operation information D / B (55) and the like, and dedicated to manage the storage and extraction status of the credit information provider-related information, partner information, operation information, etc., credit information inquiry management server (10) It is a general assistant to the detailed operation of).

On the other hand, the aforementioned credit information inquiry management server 10 is not only the above-described credit information query right code management module 31, credit evaluation management module 32, operation information management module 33, but also mail management server 60 ) And the message management server 70 further form a series of signal connection relationships.

At this time, the mail management server 60 is, for example, the partner company management system 2, the credit information of the specific credit information provider is transmitted, and the credit information inquiry management server 10 from the series of corresponding to the credit information transmission When the "mail transfer instruction" is delivered, it serves to deliver a predetermined "credit information inquiry history notification mail" to the credit information provider side mail account 200, for example.

In addition, the message management server 70 is, for example, a partner company management system 2, in which credit information of a specific credit information provider is transmitted, and a series of credits corresponding to the credit information transmission from the credit information inquiry management server 10 is transmitted. When the "message transmission instruction" is delivered, the predetermined "credit information inquiry history notification message" is transmitted through the communication base station 300, for example, to the credit information provider side mobile communication unit 3.

Hereinafter, the credit information inquiry management method of the present invention using the credit information inquiry management system 100 based on the online network having the above-described configuration will be described in detail.

First, any credit information provider who wants to provide his or her credit information to a specific partner side, or any affiliate company who wants to inquire a credit information of a specific credit information provider, the credit information provider side client (1). Using a partner company management system 2 or the like, a computing environment that can be connected to the credit information inquiry management system 100 of the present invention is prepared in advance.

At this time, as shown in Figures 2a and 2b, the credit information inquiry management method according to the present invention is applied to a series of event data transmitted from the credit information provider side client (1), the affiliated company management system (2) described above. Accordingly, the credit information inquiry right code providing process (S100) and the credit information inquiry process (S200) which are selectively performed are made.

First, the credit information inquiry right code providing process (S100) will be described in detail.

First, when a credit information provider who wants to conduct a specific transaction such as employment, loan, etc. to an affiliated company uses the credit information provider side client 1 to access the affiliated company management system 2, The company-side management system 2 transmits, for example, a resume creation page 401 and a loan application creation page 404 to the credit information provider side client 1 as shown in FIG. 3A or 3B, thereby providing credit information. Require a provider to enter a variety of information needed for the company. In this case, the partner company posts the credit information submission items (403,406) on each page, for example, so that the credit information provider not only "resume information" and "loan application information" but also "the credit information of the person" can be provided to the partner company. It is also required to submit to.

With such information transfer relationship established between the credit information provider side client 1 and the affiliated company side management system 2, as shown in FIG. 2A, the credit information inquiry management server 10 is interfaced. By continuously checking the module 20, it is determined whether or not a series of credit information providing events has occurred from the credit information provider-side client 1 (step S101).

At this time, if the credit information provider has not yet performed a series of computing operations, it is determined that no separate credit information providing event has occurred from the client 1 of the credit information provider, the credit information inquiry management server 10 performs a flow. The flow advances to step S102 to maintain a series of standby states.

However, the credit information provider fills in all the input items 402 and 405 posted on the resume writing page 401, the loan application writing page 404, etc., and selects the credit information submitting items 403 and 406, thereby providing the client 1 with the credit information provider side (1). If it is determined that a series of credit information providing event has occurred, the credit information inquiry management server 10 immediately utilizes the operation information management module 33, the serial information stored in the operation information D / B (55) After extracting the operation information of, using this operation information, a series of "provider login information input request page" is generated, and the "provider login information input request page" is completed via the interface module 20, The process of transmitting to the credit information provider side client 1 is performed (step S103).

In this state, the credit information inquiry management server 10 continuously checks the interface module 20, thereby providing a series of provider logins corresponding to the preceding "provider login information input request page" from the credit information provider side client 1. It is determined whether or not information has been input (step S104).

At this time, if it is determined that the provider login information has not yet been input from the credit information provider side client 1, the credit information inquiry management server 10 proceeds to step S105 to maintain a series of waiting states.

However, if it is determined that a series of provider login information is input from the credit information provider side client 1, the credit information inquiry management server 10 immediately utilizes the operation information management module 33, and the currently transmitted provider. By comparing the login information with previously stored credit information provider data, it is determined whether the credit information provider is a registered member (step S106).

At this time, the currently sent provider login information does not exist in the credit provider D / B 51 at all, or the information and the stored credit provider data do not coincide with each other, so that the credit provider is not a registered member. If it is determined that, the credit information inquiry management server 10 immediately utilizes the operation information management module 33, extracts a series of operation information stored in the operation information D / B 55, and then the operation Using the information, create a series of registration request pages that contain information such as "You are not currently a registered member, so please go through a series of registration procedures. The process of transmitting to the credit information provider side client 1 is carried out via the interface module 20 (step S107).

However, if the currently sent provider login information matches the previously stored credit information provider data, and it is determined that the corresponding credit information provider is a registered member, the credit information inquiry management server 10 immediately operates the operation information. The management module 33 is used to extract a series of operation information stored in the operation information D / B 55, and then use the operation information to guide whether or not to provide the credit information of the credit information provider. A series of credit information provision agreement guide pages are generated, and a process of transmitting the completed credit information provision agreement guide page to the credit information provider side client 1 via the interface module 20 is carried out (step S108). ).

In this case, the credit information provider side client 1 quickly interprets the credit information provision agreement guide page 407 transmitted from the system 100 side and displays it as shown in FIG. Induces a series of credit information consent agreements to be carried out easily and at will.

In this state, the credit information inquiry management server 10 continuously checks the interface module 20, thereby providing a series of credit information provision agreements corresponding to the previous credit information provision agreement guide page from the client 1 of the credit information provider side. It is determined whether an event has occurred (step S109).

At this time, if the credit provider selects the No item 409 of the guide page 407 of the credit information provision agreement and determines that a series of credit information denial events have occurred from the client 1 of the credit information provider, the credit information inquiry is performed. The management server 10 immediately extracts a series of operation information stored in the operation information D / B 55 by using the operation information management module 33, and then utilizes the operation information to generate a series of credits. An information provision rejection message is generated, and the credit information provision rejection message is transmitted to the partner company side management system 2 (step S110). In this case, the partner company management system 2 takes appropriate measures on the credit information provider side client 1 according to the credit information provider's refusal to provide the credit information.

However, if the credit information provider selects the example item 408 of the credit information provision agreement guide page 407 and judges that a series of credit information provision consent events have occurred from the credit information provider side client 1, the credit information inquiry is performed. The management server 10 immediately extracts a series of operation information stored in the operation information D / B 55 by using the operation information management module 33, and then utilizes the operation information, which will be described later. The credit information provider side client 1 generates a series of "requirement specification guide pages" for designating the requirements of the credit information inquiry right code ", and generates the requirements specification guide pages through the interface module 20. The process of transmitting to the process proceeds (step S111).

In this case, the credit information provider client 1 quickly interprets the requirement specification guide page 410 transmitted from the system 100 side and displays it, as shown in FIG. Make it easy for you to specify the requirements of the relevant Credit Information Lookup Rights Code.

At this time, as shown in the figure, if the credit information provider specifies the requirements, such as "expiration after three times", "expiration after May 20," and the like, the credit information inquiry right code generated later is The effective effect can be exerted only within the requirements, and if the requirements are passed, the effective effect cannot be exerted.

For example, if the credit provider specifies the requirement of the "credit information inquiry right code" as "expiration after May 20" as in the previous case, the credit provider will accept Even if you hold the "Credit Information Lookup Rights Code", after May 20, you will not be able to use the same "Credit Information Lookup Rights Code" to retrieve your credit information.

On the other hand, through the above-described process, while a series of requirements designation guide page 410 is posted on the credit information provider client 1, the credit information inquiry management server continuously checks the interface module 20, It is determined whether or not a series of requirement specification information corresponding to the above requirement specification guide page has been transmitted from the information provider-side client 1 (step S112).

At this time, if the credit information provider has not yet completed the requirements specification input process, it is determined that no separate requirement specification information has been transmitted from the client 1 of the credit information provider side, the credit information inquiry management server 10 proceeds with the flow. Proceeding to S113, a series of standby states are maintained.

However, the credit information provider fills all the input items 411 of the requirements specification guide page 410, clicks the confirmation item 412, and a series of requirement specification information is transmitted from the client 1 of the credit information provider side. If it is determined, the credit information inquiry management server 10 immediately generates a series of credit information inquiry right codes reflecting the requirement information specified earlier using the credit information inquiry right code management module 31, and generates the random information. The completed credit information inquiry right code is stored in the credit information inquiry right code D / B 53 and the credit stored in the credit information provider D / B 51 using the operation information management module 33. Update the data of the information provider.

When the storage / update process is completed, the credit information inquiry management server 10 immediately transmits the previous credit information inquiry right code through the interface module 20 to the partner company management system 2. (Step S115), the partner company management system 2 immediately transmits the credit information inquiry right code, information of the credit information provider recorded in its information storage D / B 2a, for example, "credit". By inserting the above credit information inquiry right code into the information provider's resume information "and" credit information provider's loan application information ", the credit mentioned above such as" credit information provider's resume information "and" credit information provider's loan application information " It can be linked and managed with the information inquiry right code.

Thereafter, the credit information inquiry management server 10 extracts a series of operation information stored in the operation information D / B 55 by using the operation information management module 33, and then utilizes the operation information, A process result page is generated, and a process of transmitting the completed process result page to the credit information provider side client 1 via the interface module 20 is performed (step S116).

In this case, the credit information provider side client 1 quickly interprets the processing result page 413 transmitted from the system 100 side and displays it as shown in FIG. It is easy to confirm that the crediting process for selection is completed. "

Next, the credit information inquiry process (S200) according to the present invention will be described in detail.

First, in order to inquire the credit information of the credit information provider from the affiliated party that has secured the credit information inquiry right code through the previous step S100, when accessing the system 100, the credit information inquiry management server 10 ) By transmitting the main page 501 as shown in FIG. 7 to the affiliated party management system 2, to provide a stable infrastructure for easily inquiring the credit information of a specific credit information provider from the affiliated party. To help.

In this state, as shown in FIG. 2B, the credit information inquiry management server 10 continuously checks the interface module 20, whereby a series of credit information inquiry events are generated from the partner side management system 2. It is judged whether or not it has occurred (step S201).

At this time, if it is determined that a separate credit information inquiry event does not occur from the partner side management system 2 because a series of computing operations are not performed at the partner side, the credit information inquiry management server 10 steps the flow. Proceeding to S202, a series of standby states are maintained.

However, if the partner side selects the credit information inquiry item 502 posted on the main page 501 and judges that a series of credit information inquiry events have occurred from the partner side management system 2, the credit information inquiry is performed. The management server 10 immediately extracts a series of operation information stored in the operation information D / B 55 by using the operation information management module 33, and then utilizes the operation information to generate a series of " Produce a business login information input request page, and transmits the generated "business login information input request page" to the affiliated company management system 2 via the interface module 20 (step S203). ).

In this state, the credit information inquiry management server 10 continuously checks the interface module 20, whereby a series of company logins corresponding to the preceding "company login information input request page" from the partner side management system 2 is obtained. It is determined whether or not information has been input (step S204).

At this time, if it is determined that the company login information has not yet been inputted from the affiliated company side management system 2, the credit information inquiry management server 10 proceeds to step S205 to maintain a series of standby states.

However, if it is determined that a series of provider login information has been input from the partner company management system 2, the credit information inquiry management server 10 immediately utilizes the operation information management module 33, and the company currently transmitted. By comparing the login information and the pre-stored partner information, it is determined whether the corresponding company is a registered company (step S206).

In this case, the currently sent company login information does not exist in the partner information D / B 52 at all, or the information and the stored partner information do not coincide with each other. In this case, the credit information inquiry management server 10 immediately utilizes the operation information management module 33, extracts a series of operation information stored in the operation information D / B 55, and then utilizes this operation information. Thus, "You are not currently a registered member, please first go through a series of registration procedures ...." to create a series of registration request page containing the contents, such as the interface module ( 20), the process of transmitting to the partner company side management system 2 is performed (step S207).

However, if the currently sent company login information matches the pre-stored partner information, and the company is determined to be a registered company, the credit information inquiry management server 10 immediately manages the operation information management module ( 33) extracts a series of operational information stored in the operational information D / B 55, and then utilizes the operational information, a series of credit information inquiry rights to induce input of the credit information inquiry right code. A code input request page is generated, and a process of transmitting the completed credit information inquiry right code input request page to the affiliated party management system 2 via the interface module 20 is performed (step S208).

In this case, the partner company management system 2 quickly interprets the credit information inquiry right code input request page 503 transmitted from the system 100, and displays it as shown in FIG.

In this state, the credit information inquiry management server 10 continuously checks the interface module 20, so that the serial information corresponding to the previous credit information inquiry right code input request page 503 from the partner company management system 2 is obtained. It is determined whether or not the credit information inquiry right code has been input (step S209).

At this time, if the partner company has not yet completed the process of entering the credit information inquiry right code, and it is determined that a separate credit information inquiry right code is not inputted from the partner company management system 2, the credit information inquiry management server 10 advances the flow to step S210 to maintain a series of standby states.

However, on the partner side, all the input items 504 of the credit information inquiry right code input request page 503 are filled in, and the confirmation item 505 is clicked, and the credit information inquiry management system 2 receives, for example, "RSC21A3." If it is determined that a series of credit information inquiry right codes such as "..." is entered, the credit information inquiry management server 10 immediately prompts this credit information inquiry right code, for example, "RSC21A3 ...." It is determined whether or not the normal credit information inquiry right code satisfies the specified requirement (step S211).

At this time, the credit information inquiry right code "RSC21A3 ‥‥" is a code that specifies a restriction period of "expiration after May 20", and the date when the affiliate company is attempting to search the credit information follows May 25. If the currently entered credit information inquiry right code is determined to be an invalid code that does not satisfy the requirements specified by the credit information provider, the credit information inquiry management server 10 immediately executes the operation information management module 33. Extracts a series of operation information stored in the operation information D / B 55, and then utilizes the operation information, and "the currently entered credit information inquiry right code is an expired code. A series of error messages containing the above contents are generated, and the generated error messages are transmitted through the interface module 20 to the partner company management system 2 (step S212).

However, the credit information inquiry right code "RSC21A3 ‥‥" is a code that specifies a time limit requirement "Expiration after May 20", and the date on which the partner company is attempting to search the credit information follows May 15. If it is determined that the currently entered credit information inquiry right code is a valid code that satisfies the "requirement specified by the credit information provider", the credit information inquiry management server 10 immediately executes the credit evaluation management module 32). Extracts " matching credit rating information " matching the credit information inquiry right code from the credit rating information D / B 54, and then uses the matching credit rating information to generate a series of matching credit rating pages. Then, a process of transmitting the generated matching credit rating page to the affiliated company side management system 2 is performed (steps S213 and S214).

In this case, the partner company management system 2 quickly interprets the matching credit rating page 506 transmitted from the system 100 and displays it as shown in FIG. Make it easy to verify the credit information of the specific credit provider you want.

As described above, in the present invention, before the management of the identity of any employment / trading company, employment / trading candidates, such as D / B, and before the full credit information providing process / credit information inquiry process, A separate procedure, such as the "Procedures for Disclosure of Self-Credit Information of Employers / Traders," can be easily solved online, thereby allowing any employment / transaction candidates to be resolved online. For example, it is possible to induce employment / transaction companies to make the necessary credit information providing process / credit information searching process more easily online.

In addition, in the present invention, as described above, a series of credit information inquiry process can be carried out through "any credit information inquiry right code that can not be used by itself, without a separate identification process", hacking External leakage of credit information can be blocked in advance.

Furthermore, in the present invention, before transferring the credit information of the employment / transfer applicant to the online network, a series of "credit information inquiry right code verification procedure", "employment / transaction company identification procedure", etc. By proceeding, the access of the system by the malicious company can be blocked in advance from the login stage, thereby minimizing the indiscriminate abuse of credit information.

Thereafter, the credit information inquiry management server 10 proceeds with a series of credit information inquiry details notification process informing the specific credit information provider "the credit information has been inquired by the partner company" (step S215).

In this case, the credit information inquiry management server 10 generates, for example, a series of "credit information inquiry history notification mails" having the MIME protocol, and upon completion of the mail generation process, the SMTP of the mail management server 60. By calling the service (Simple Mail Transfer Protocol service), the corresponding "credit information inquiry history notification mail" can be delivered to the credit information provider side mail account 200 quickly. Subsequently, the credit information provider can easily check the credit information inquiry history notification mail 508 as shown in FIG. 10 after accessing his mail account using the credit information provider side client 1.

As another example, the credit information inquiry management server 10 controls the message management server 70 to generate a series of "credit information inquiry history notification message", and transmits this "credit information inquiry history notification message" to the communication base station 300 ), For example, by transferring to the credit information provider-side mobile communication device 3 so that the credit information provider can easily check his or her credit information inquiry details without any inconvenience.

On the other hand, the above-described credit information inquiry process (S200) of the present invention may be implemented through another step (step S216) as shown in FIG. This will be described in detail.

First, the partner company management system (2) having secured a series of credit information inquiry right codes through the previous step S100, in order to inquire the credit information of the credit information provider, the credit information inquiry right code and its company. Send the company login information to the system.

Such a transmission process may be performed at the request of an "affiliate-side manager terminal (not shown)" attached to the partner-side management system 2, and the partner-side management system itself according to the preset details, You may proceed.

In this state, the credit information inquiry management server 10 continuously checks the interface module 20 to determine whether a series of credit information inquiry right code / company login information transmission events have occurred from the partner company management system 2. It is judged whether or not (step S217).

At this time, if it is determined that no separate credit information inquiry right code / company login information transmission event has occurred from the partner company management system 2, the credit information inquiry management server 10 ends the flow.

However, if it is determined that a series of credit information inquiry right code / company login information transmission event has occurred from the affiliated party management system 2, the credit information inquiry management server 10 immediately proceeds to the heading credit information inquiry right code / company. After receiving the login information, by using the operation information management module 33, and compares the currently transmitted company login information and pre-stored partner information, it is determined whether the company is a registered company. (Step S218).

In this case, the currently sent company login information does not exist in the partner information D / B 52 at all, or the information and the stored partner information do not coincide with each other. In this case, the credit information inquiry management server 10 immediately extracts a series of operation information stored in the operation information D / B 55 by using the operation information management module 33, and then utilizes the operation information. , "You are not currently a registered member. First, please go through a series of registration procedures .. ‥‥", create a series of registration request pages containing the contents, such as the interface module (20) ), The process of transmitting to the partner company management system 2 is performed (step S219).

However, if the currently sent company login information matches the pre-stored partner information, and the company is determined to be a registered company, the credit information inquiry management server 10 immediately proceeds through the above process. It is determined whether or not the received credit information inquiry right code, for example, "RSC21A3 ..." is a normal credit information inquiry right code that satisfies the requirements specified by the credit information provider (step S220).

At this time, the credit information inquiry right code "RSC21A3 ‥‥" is a code that specifies a restriction period of "expiration after May 20", and the date when the affiliate company is attempting to search the credit information follows May 25. If the currently entered credit information inquiry right code is determined to be an invalid code that does not satisfy the requirements specified by the credit information provider, the credit information inquiry management server 10 immediately executes the operation information management module 33. Extracts a series of operation information stored in the operation information D / B 55, and then utilizes the operation information, and "the currently entered credit information inquiry right code is an expired code. Produces a series of error messages containing the contents, such as, via the interface module 20 via the interface module 20, the process of transmitting to the partner-side management system (2) proceeds (step S221).

However, the credit information inquiry right code "RSC21A3 ‥‥" is a code that specifies a time limit requirement "Expiration after May 20", and the date on which the partner company is attempting to search the credit information follows May 15. If it is determined that the currently entered credit information inquiry right code is a valid code that satisfies the "requirement specified by the credit information provider", the credit information inquiry management server 10 immediately executes the credit evaluation management module 32). Extracts " matching credit rating information " matching the credit information inquiry right code from the credit rating information D / B 54, and then uses the matching credit rating information to generate a series of matching credit rating pages. Then, a process of transmitting the generated matching credit rating page to the affiliated company side management system 2 is performed (steps S222 and S223).

In this case, the affiliate company side management system 2 quickly interprets the matching credit evaluation page 506 transmitted from the system 100 side, and displays it on, for example, the affiliate company side manager terminal. Make it easy to check the credit information of a specific credit information provider.

As another example, the partner company management system 2 newly updates the data recorded in its information storage D / B 2a according to the contents of the matching credit evaluation page 506 transmitted from the system 100 side. In a timely manner, the affiliates will be able to easily verify the credit information of the specific credit provider that they want.

When such another embodiment of the present invention is implemented, the affiliated party can automatically check online the credit information of a specific credit information provider that the company wants without going through a separate login process and entering a credit information inquiry right code. Will be.

Thereafter, the credit information inquiry management server 10 proceeds with a series of credit information inquiry details notification process informing the specific credit information provider "the credit information has been inquired by the affiliated party" similarly to the above case, and the present invention. The process is finished (step S224).

Meanwhile, as shown in FIG. 12, in the credit information inquiry management system 600 according to another embodiment of the present invention, the credit information inquiry right code management module 31 disclosed in the previous embodiment and the credit information inquiry right With the code D / B 53 and the like excluded from the system, a series of credit information inquiry management processes (step S300) are performed.

In this case, as shown in FIG. 13, in another embodiment of the present invention, the steps S301 to S310 are first performed in the same manner as the above-mentioned steps S101 to S110 to confirm the identity of the credit information provider, and Obtain consent from the credit provider to provide credit information.

In the state in which all of these processes are completed, the present invention, unlike the previous embodiment, omits a series of credit information inquiry right code generation / transmission processes (steps S111 to S115), and immediately associates the credit information of the credit information provider. Proceed with notification to the company.

In this case, the credit information inquiry management server 10 extracts "matching credit rating information" matching the credit information provider using the credit rating management module 32, and then utilizes the matching credit rating information to use the MIME protocol. A series of "matching credit rating information mails" having a series of "matching credit rating information mails", and immediately after such a mail generation process is completed, the corresponding "matching credit rating information mails" is stored in the affiliated party management system (2). To be quickly delivered to the mail account 201 (steps S311 and S312). When proceeding with the aforementioned "matching credit rating information mail" generation process, the credit information inquiry management server 10 further attaches "a series of security certificates" to the mail, for example, "forgery and forgery of the matching credit rating information". It blocks in advance the possibility of unforeseen problems such as " system impersonation ".

When the other embodiment of the present invention is implemented, unlike the previous embodiment, the affiliated party can easily check the credit information of the specific credit information provider that the company wants online without further proceeding to step S200 described above. do.

Thereafter, the credit information inquiry management server 10 proceeds with a series of credit information inquiry details notification process informing the specific credit information provider "the credit information has been inquired by the affiliated party" similarly to the above case, and the present invention. The process is finished (step S313).

Such a present invention can be variously applied according to a situation.

For example, the credit information inquiry management server 10 of the present invention extracts the transaction history of a specific credit information provider, for example, by using the credit information provider data stored in the credit information provider D / B 51, Based on this, any affiliate may be provided with "bad trader, excellent trader information".

As another example, the inquiry management server 10 of the present invention, for example, utilizing the partner information stored in the partner information D / B 52, extracts the quality evaluation history of a specific partner, based on this, arbitrary We may also provide "credit companies" information to our credit providers.

As another example, the inquiry management server 10 of the present invention establishes a series of online insurance infrastructure, for example, in connection with an insurance company management system, and based on this, a prediction that any credit information provider, an affiliated company, etc. may wear. You can also reduce damage in advance.

Each of these applications can be flexibly selected according to the operation of the credit information inquiry management system 100 according to the present invention.

As described in detail above, in the present invention, while managing the identity of any employment / transaction company, employment / transportation candidate, etc. by D / B, the credit information providing process / credit information inquiry process and the like before proceeding. In addition, by proceeding in advance in a separate procedure, for example, "disclosure agreement for self-credit information, such as employment applicants / transaction applicants", it is possible to easily solve the conventional complicated document procedures online, thereby allowing any employment / transaction Prospective applicants, employers and traders can make it easier for them to proceed with the process of providing the necessary credit information / credit information online.

In addition, in the present invention, as described above, a series of credit information inquiry process can be carried out through "any credit information inquiry right code that can not be used by itself, without a separate identification process", hacking It is possible to block external leakage of credit information by

Furthermore, in the present invention, before transferring the credit information of the employment / transfer applicant to the online network, a series of "credit information inquiry right code verification procedure", "employment / transaction company identification procedure", etc. By proceeding, the access of the system by the malicious company can be blocked in advance from the login stage, thereby minimizing the indiscriminate abuse of credit information.

While specific embodiments of the invention have been described and illustrated above, it will be apparent that the invention may be embodied in various modifications by those skilled in the art.

Such modified embodiments should not be understood individually from the technical spirit or point of view of the present invention and such modified embodiments should fall within the scope of the appended claims of the present invention.

Claims (8)

Credit provider D / B with a set of credit provider information, Partner information D / B with a set of partner information, Credit information query right code D / B with a set of credit information retrieval rights codes A D / B block having credit rating information D / B storing credit rating information and operation information D / B storing a series of operating information; Generates the credit information inquiry right code randomly and stores it in the credit information inquiry right code D / B selectively or manages the credit information inquiry right code D / B selectively extracted from the credit information inquiry right code D / B A module; A credit rating management module for selectively extracting a series of credit rating information stored in the credit rating information D / B; Selectively store the credit information provider related information, affiliate information, and operation information in the credit information provider D / B, partner information D / B, operation information D / B, or the credit information provider D / B, affiliate company An operation information management module for selectively extracting information from information D / B and operation information D / B; Whether to store and extract the credit information provider related information, affiliate information, credit information inquiry right code, credit evaluation information, operation information by controlling the credit information inquiry right code management module, credit evaluation management module and operation information management module Determine, and interface with any credit information provider-side client and affiliated party management system through an online network, and manages the operation information when a series of credit information inquiry right code provision events occur from the credit information provider-side client. Module, using the credit information inquiry right code management module, to verify the identity of the credit provider, and to selectively generate a credit information inquiry right code matching with the verified credit information provider, The credit information inquiry right code is transmitted to the affiliated party management system online, When a series of credit information inquiry events using the credit information inquiry right code occurs from the supplier management system, the identity of the affiliated company is confirmed by using the operation information management module and the credit rating management module. An online network comprising a credit information inquiry management server extracting matching credit rating information of a credit information provider corresponding to the credit information inquiry right code and transmitting the matching credit rating information to the affiliated company management system Credit information inquiry management system based on. According to a series of event data transmitted from any credit provider client and affiliate management system connected to the online network, it consists of a combination of the credit information inquiry right code provision process and the credit information inquiry process. The credit information inquiry right code provision process may include determining whether a series of credit information provision events have occurred from the credit information provider client; When the credit information providing event is generated from the credit information provider client, receiving login information from the credit information provider client, and determining whether the credit information provider is pre-registered; If the credit information provider is a registered member, transmitting a series of credit information provision consent guide pages for guiding whether the credit information provider agrees to provide credit information to the credit information provider client; Determining whether a series of credit information provision agreement events corresponding to the guide page for providing credit information has occurred from the credit information provider client; When the credit information provider consent event occurs from the client of the credit information provider, a series of credit information inquiry right codes corresponding to the credit information provider are randomly generated, and the credit information inquiry right codes generated are completed. Credit information inquiry management method comprising the step of transmitting to the management system. The credit information provider side of claim 2, wherein before the step of transmitting the credit information inquiry right code to the affiliated party management system, a series of requirement designation guide pages for designating the requirements of the credit information inquiry right code is provided. Sending to the client; When a series of requirements designation information corresponding to the requirements designation guide page is input from the client of the credit information provider, the step of reflecting the requirements designation information in the generation of the credit information inquiry right code is further performed. How to manage your credit information. The method of claim 2, wherein the credit information inquiry process comprises the steps of: determining whether a series of credit information inquiry events have occurred from the affiliated company management system; When the credit information inquiry event occurs from the partner company management system, receiving login information from the partner company management system and determining whether the affiliate company is pre-registered; Transmitting the credit information inquiry right code input request page for inducing input of the credit information inquiry right code to the affiliated party management system when the affiliate company is a registered member; Determining whether a series of credit information inquiry right codes corresponding to the credit information inquiry right code input request page has been input from the partner company management system; When the credit information inquiry right code is inputted from the affiliated party management system, a matching credit evaluation page matching the credit information inquiry right code is generated, and the matching credit evaluation page which has been generated is transferred to the partner side management system. Credit information inquiry management method comprising the step of transmitting. The credit information inquiry right code transmitted from the partner side management system satisfies the requirements specified by the credit information provider before the step of transmitting the matching credit rating page to the partner side management system. Credit information inquiry management method characterized in that the step of determining whether or not to proceed further. The method of claim 2, wherein the credit information inquiry process comprises: determining whether a series of credit information inquiry right code / company login information transmission events have occurred from the affiliated company management system; When the credit information inquiry right code / company login information transmission event occurs from the affiliate company management system, determining whether the affiliate company is already registered based on the company login information; If the affiliate is a registered member, generating a matching credit rating page matching the credit information inquiry right code, and transmitting the completed matching credit rating page to the affiliated party management system. Credit information inquiry management method characterized in that. Determining whether a series of credit information provision events have occurred from a credit information provider client that is accessing any affiliate management system; When the credit information providing event is generated from the credit information provider client, receiving login information from the credit information provider client, and determining whether the credit information provider is pre-registered; If the credit information provider is a registered member, transmitting a series of credit information provision consent guide pages for guiding whether the credit information provider agrees to provide credit information to the credit information provider client; Determining whether a series of credit information provision agreement events corresponding to the guide page for providing credit information has occurred from the credit information provider client; When the credit information provision consent event occurs from the client of the credit information provider, a series of matching credit rating information mails are generated based on matching credit rating information matched with the corresponding credit information provider, and the generated matching credit rating information is completed. Credit information inquiry management method comprising the step of transmitting the mail to the mail account of the partner management system. 8. The method of claim 7, wherein the matching credit rating information mail further includes a series of security certificates.