KR20020033543A - Method for managing a inquiry of a credit information based on the on-line network - Google Patents

Abstract

PURPOSE: A credit card checking method is provided to enable a credit data provider to progress previously a procedure for a credit data opening agreement so that it can simplify the credit data offering or checking process. CONSTITUTION: The method comprises steps of a credit data checking management server to continuously check if a credit data checking request event occurs(S201), the credit data checking management server transmitting a log-in data input request page to the credit data checking requester(S202), the server checking if the log-in data is input by the credit data requester(S204), the server comparing the input log-in data with stored data and determining if the credit data requester is a registered member(S206), if the credit data requester is not a member, the server transmitting a member subscription request page to the credit data requester(S207), otherwise, the server requesting the credit data requester to input a credit data checking authority code(S208), the server determining if the credit data requester inputs the credit data checking authority code(S209), the server determining if the input authority code is effective(S211), if the input authority code is not effective, the server transmitting an error message to the credit card data requester(S212), if the input authority code is effective, the server extracting the credit data matched with the authority code and transmitting the extracted credit data to the credit data requester(S213, S214), and the server transmitting a checking completion message to the credit data requester(S215).

Description

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 method based on an online network, and more specifically, through a close linking process of dedicated modules, a series of "credit information inquiry right code provision process", "credit information inquiry right code" Online credit system that can induce any credit provider or credit reporter to enjoy more stable credit information provision / use process based on the online network. It relates to a credit information inquiry management method based on.

Recently, as electronic transactions using online networks become more frequent, credit status check problems of arbitrary individuals, individual businesses, corporations, etc. have emerged as an important issue.

Accordingly, in order to reduce unforeseen damages by the party who wants to establish a series of e-commerce relationships with any other person, the credit status of the other person is inquired in advance before a full-fledged e-commerce relationship is formed, This is used as an important indicator for the actual close of the e-commerce relationship.

However, since credit information of an individual, a personal business operator, a corporation, etc. is very important information to the party, if the credit information is abused indiscriminately by a malicious person, the individual, business owner, corporation, etc. will not be predicted. Inevitably enormous damage is inevitable. 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 the restriction on "inquiry of credit information by a specific person" is greatly strengthened, the credit information of individuals, business owners, corporations, etc. is protected to some extent, but as a result, the credit reporter must go through a series of complicated documents. It is unavoidable to bear the inconvenience of inquiring about credit information for any individual, individual business owner, corporation, and the like. In addition, any individual, individual business owners, corporations are also forced to bear the inconvenience of providing their credit information to a specific credit information query only through a series of complicated document 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", credit information of individuals, intervention companies, corporations, etc. that are sent and received online is Even if a hacker is hacked by a malicious hacker, the conventional online credit information inquiry system cannot cope with this flexibly. Therefore, under the conventional online credit information inquiry system, individuals, individual businesses, corporations, etc., have their credit information malicious There is no choice but to accept the problems that can be abused indiscriminately by others.

Due to these various problems, conventional e-commerce officials deeply realize that it is very advantageous in many ways to carry out the credit information provision process / credit information inquiry process online, but have not realized this concretely. It is true.

Accordingly, an object of the present invention is to manage the identity of any individual, individual business owner, corporation, etc. by D / B, and before a full credit information provision process / credit information inquiry process is performed, a separate procedure, for example, By proceeding with the "Acquisition Agreement of Credit Information Provider's Self-Credit Information" in advance, it is possible to easily solve the conventional complicated document procedure online, thereby allowing any credit information provider, credit information queryer, etc. It is to induce legitimate credit information providing process / credit information inquiry process to make online process easier.

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 provide a series of credit information inquiry right code verification procedures, credit information inquiry identity verification procedures, etc. before the transfer of credit information of individuals, business owners, corporations, etc. into a single routine. By proceeding, the access by the malicious company to the system can be blocked in advance from the login stage, thereby inducing 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 forming a base environment of an embodiment according to the present invention.

2 and 3 are flowcharts sequentially showing a credit information inquiry management method according to an embodiment of the present invention.

4 to 11 are conceptual views illustrating an online page posting state of a credit information provider-side client and a credit information query-side client according to an embodiment of the present invention.

Figure 12 is an exemplary diagram conceptually showing a credit information inquiry management system forming a base environment of another embodiment according to the present invention.

13 and 14 are flowcharts sequentially showing credit information inquiry management methods according to another embodiment of the present invention.

15 to 22 are conceptual views illustrating the online page posting status of the credit information provider-side client and the credit information query-side client according to another embodiment of the present invention.

In order to achieve the above object, in the present invention, a credit information inquiry right code provision management is selectively performed according to a series of event data transmitted from an arbitrary credit information provider-side client and a credit information inquiry-side client that are connected to the online network. Disclosed is a credit information inquiry management method based on an online network comprising a combination of a process and a credit information inquiry management process.

In this case, the aforementioned credit information inquiry right code provision management process may include determining whether a series of credit information provision events have occurred from the client of the credit information provider, and if a credit information provision event has occurred from the client of the credit information provider. Receiving the login information from the client of the credit information provider, determining whether the credit information provider is already registered, and if the credit information provider is a registered member, agrees to provide the credit information of the credit information provider. Transmitting a set of guide pages for providing credit information to the client to the credit information provider, and whether a series of credit information providing consent events corresponding to the guide page for providing credit information has occurred from the client of the credit information provider. Steps to judge When a credit information provision consent event occurs from the client of the credit information provider, a random set of credit information inquiry right codes corresponding to the credit information provider is randomly generated, and the credit information inquiry right code is notified to the credit information inquiry inquiry. It is made up of a combination of steps.

In addition, the aforementioned credit information inquiry management process is a step of determining whether a series of credit information query event has occurred from the credit information query client, and when a series of credit information query event from the credit information query client, Receiving the login information from the client of the credit information query side, determining whether the credit information query is already registered, and if the credit information query is a registered member, to induce input of the credit information inquiry right code. Transmitting a series of credit information inquiry right code input request pages to the client of the credit information checker, and whether a series of credit information query right codes corresponding to the credit information query right code input request page has been entered from the client Determining whether the credit information, When the credit information inquiry right code is input from the client of the querying party, a matching credit rating page matching the credit information query right code is generated, and the matching credit rating page, which is generated, is transmitted to the credit information querying client. Is done.

Hereinafter, with reference to the accompanying drawings, it will be described in more detail the credit information inquiry management method based on the online network according to the present invention.

As shown in FIG. 1, the credit information inquiry management system 100 forming the basic environment of the present invention is largely divided into a D / B block 50, a D / B management server 40, and a credit information inquiry management server 10. ) And the like. In this case, the previous D / B block 50 includes the credit information inquiry D / B 51, the credit information provider 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 query D / B 51, for example, "credit information query authentication ID, credit information query password, credit information query name, credit information query address, credit information query mail account, credit information query system visit history ... Credit information query related information such as "", and the like, the credit provider D / B 52 stores, for example, "credit provider authentication ID, credit provider password, credit provider name, credit provider address, credit information". A series of credit information provider-related information such as a provider mail account, a credit information provider system visit history ..., etc. are stored, and the credit information inquiry right code D / B 53 is randomized by a credit information inquiry right code management module described later. For example, a series of credit information inquiry right code data such as "RJS21Q32, CDD22234YRR, ASWEQ32566 ..." is stored.

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 query data, credit information provider data, credit information query right code data, credit evaluation information, operation information, etc. required area of the D / B block 50 Optionally stored in, or the former credit information query D / B (51), credit information provider 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 operation 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 query data, credit information provider data, credit information inquiry right code data, credit evaluation information, operation information, etc. may be selectively determined. It has a role to control so that it can be controlled.

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), credit information queryer The client 3 and the other side also form a close signal connection relationship. In this case, any credit information provider, credit information query user, etc. operating the credit information provider-side client 1, the credit information query-side client 3, or the like, may use the system 100 as a member / By registering, the base environment in which the present invention can be stably operated is prepared.

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 is configured as described above. 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 notified to the credit reporter.

In addition, when a series of credit information look-up events using the previous credit information look-up right code occurs from any credit information look-up client 3, 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 relevant credit information inquiry, extract the "matching credit rating information" of the credit information provider corresponding to the credit information inquiry right code, It serves to transmit to the credit information query side of the client (3).

At this time, the interface module 20 processes various event data transmitted from the credit information provider-side client 1, the credit information query-side client 3, and the like, which are connected through the online network, and the event data is described above. In addition to delivering to the credit information inquiry management server 10, and processes a variety of information transmitted from the credit information inquiry management server 10, this information is provided to the client (1) credit information provider side, credit information query side It also plays a role of quickly delivering to the client 3 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 that matches the credit provider, and then selectively stores the 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 inquiring the credit information of a specific credit information provider from the credit information query side client 3, 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 query D / B 51, credit information provider D / B arranged in the D / B block 50 (52), by systematically controlling the operation information D / B (55) and the like, by dedicated and managing the storage and extraction status of credit information query information, credit information provider related information, operation information, etc., credit information inquiry management server It plays a role of supporting totally detailed operation of (10).

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 notified of the credit information of a specific credit information provider to any credit information query, for example, and a series of "mail transfer instructions corresponding to this credit information notification is sent from the credit information inquiry management server 10. Is transmitted, a predetermined "credit information inquiry details notification mail" is delivered to the credit information provider side mail account 200, for example.

In addition, when the mail management server 60 receives a series of "credit information notification mail transmission instructions" for notifying the credit information query of the credit information of the specific credit information provider from the credit information inquiry management server 10, Serves to deliver the " credit information notification mail "

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 via the communication base station 300, for example, to the credit information provider side mobile communication unit 4.

In addition, when the message management server 70 receives a series of "credit information notification message transmission instructions" for notifying the credit information query of the credit information of the specific credit information provider from the credit information inquiry management server 10, It transmits the "credit information notification message" of, for example, to the mobile information carrier of the credit information query.

Hereinafter, the unique credit information inquiry management method using the credit information inquiry management system 100 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 credit information query client, or any credit information query client who wants to search credit information of a specific credit information provider, the client (1) of the credit information provider, credit information. A computer environment for accessing the credit information inquiry management system 100 of the present invention is prepared in advance by utilizing the inquiry client side 3 or the like.

At this time, as shown in Figures 2 and 3, the credit information inquiry management method is optional in accordance with a series of event data transmitted from the above-described credit information provider side client (1), credit information query side client (3), etc. Credit information inquiry right code provided by the management process (S100) and credit information inquiry management process (S200) is made of a combination.

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

First, when a credit information provider who wants to provide his or her own credit information to a specific credit information query user connects to the system 100 using the client 1 of the credit information provider, the credit information inquiry management server 10 For example, the initial page 401 as shown in FIG. 4 is transmitted to the client 1 of the credit information provider, so that the credit provider can smoothly proceed with the desired credit information providing process. Ensure that the environment is provided.

In this state, as shown in FIG. 2, the credit information inquiry management server 10 continuously checks the interface module 20, whereby a series of credit information providing events from the client 1 of the credit information provider side is generated. It is judged whether or not it has occurred (step S101).

At this time, if the credit information provider has not yet performed a series of computing operations, it is determined that a separate credit information providing event has not occurred from the credit information provider client 1, the credit information inquiry management server 10 performs a flow The flow advances to step S102 to maintain a series of standby states.

However, if the credit information provider selects the credit information provision item 402 of the initial page 401 and determines that a series of credit information provision events have occurred from the client 1 of the credit information provider side, 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 to provide a series of "provider login information." An input request page is generated, and a process of transmitting the completed "provider login information input request page" to the credit information provider side client 1 via the interface module 20 is carried out (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 client 1 quickly interprets the credit information provision agreement guide page 403 transmitted from the system 100 side, and displays it as shown in FIG. 5 to display the specific credit information provider. 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 it is determined that an additional credit information provision consent event has not occurred from the credit information provider side client 1, the credit information inquiry management server 10 ends the flow, for example.

However, if the credit information provider selects the example item 404 of the credit information provision agreement guide page 403 and judges that a series of credit information provision consent events have occurred from the credit information provider 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 S110).

In this case, the credit information provider client 1 quickly interprets the requirement specification guide page 405 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 a credit provider specifies, as in the previous case, that the requirement for a "credit information lookup right code" expires after May 20, then any credit reporter may 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, the credit information inquiry management server 10 continuously checks the interface module 20 while a series of requirements designation guide pages 405 are posted on the client 1 of the credit information provider side. By doing so, it is judged whether or not a series of requirement specification information corresponding to the above requirement specification guide page has been transmitted from the credit information provider side client 1 (step S111).

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 S112, the series of standby states is maintained.

However, the credit information provider fills in all the input items 406 of the requirement specification guide page 405, clicks the confirmation item 407, and a series of requirement specification information has been 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. The data of the information provider is newly updated (step S113).

When this storage / update process is completed, the credit information inquiry management server 10 immediately proceeds to notify the previous credit information inquiry right code, for example, a credit information provider, a credit information inquiry person, or the like (step S114). . The notification process of the credit information inquiry right code may be variously modified according to the situation of the system 100.

For example, the credit information inquiry right code may be directly transmitted when a series of system login events occur from the credit information provider-side client 1, the credit information inquiry-side client 3, and the like. Through 60, the credit information provider side mail account 200, the credit information inquiry side mail account 201, etc. may be transmitted, and through the message management server 70, the credit information provider side mobile communication unit 4 In addition, the credit information may be transmitted to the mobile communication device of the queryer.

Through these various paths, for example, as shown in FIG. 7, when the credit information inquiry right code is displayed on the client 1 of the credit information provider, the credit information provider provides the credit information inquiry right code. It can be confirmed quickly, and then, it can be easily confirmed that "the process of providing credit information according to the choice is complete".

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

First, on the basis of the above step S100, when a credit information queryer who has obtained a series of credit information inquiry right codes accesses the system 100 to search credit information of a specific credit information provider, the credit information inquiry management server ( 10) transmits an initial page 501 as shown in FIG. 8 to the client 3 of the credit information query side, thereby creating a stable infrastructure for the credit information query user to easily look up the credit information of a specific credit information provider. To be provided.

In this state, as shown in FIG. 3, 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 client 3 of the credit information inquiry side. It is judged whether or not it has occurred (step S201).

At this time, if the credit information checker does not proceed with a series of computing operations, it is determined that a separate credit information inquiry event has not occurred from the credit information query side client 3, the credit information inquiry management server 10 step flows Proceeding to S202, a series of standby states are maintained.

However, when the credit information checker selects the credit information inquiry item 502 of the initial page 501 and determines that a series of credit information inquiry events have occurred from the client 3 of the credit information checker, 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 and sets a series of "credit information queryers." Create a login information input request page, and transmits the generated "credit information query login information input request page" to the credit information query side client 3 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 credit information corresponding to the preceding "business login information input request page" from the credit information query client side 3 is obtained. It is determined whether the inquirer login information has been input (step S204).

At this time, if it is determined that the credit information inquiry login information has not yet been input from the credit information inquiry side client 3, the credit information inquiry management server 10 proceeds to step S205 to maintain a series of waiting states.

However, if it is determined that a series of credit information query login information has been input from the credit information query side client 3, the credit information inquiry management server 10 immediately utilizes the operation information management module 33, and is currently transmitted. By comparing the stored credit information inquiries login information with previously stored credit information inquiries information, it is determined whether or not the corresponding credit information inquiries are already registered members (step S206).

At this time, the currently sent credit information query login information does not exist at all in the credit information query information D / B (51), or the information is not matched with the previously stored credit information provider data, the credit information query is already registered If it is determined that the query is not a query, the credit information inquiry management server 10 immediately utilizes the operation information management module 33, after extracting a series of operation information stored in the operation information D / B (55) Using this operational information, create a series of registration request pages containing the contents such as "You are not currently a registered member, please go through a series of registration procedures. The request page is transmitted via the interface module 20 to the credit information inquiry side client 3 (step S207).

However, if it is determined that the currently sent credit information query login information matches the previously stored credit information query data, and the corresponding credit information query is the registered registered query information, the credit information inquiry management server 10 immediately, By using the operation information management module 33, extracts a series of operation information stored in the operation information D / B (55), and using this operation information, a series for inducing input of credit information inquiry right code A credit information inquiry right code input request page is generated, and the generated credit information inquiry right code input request page is transmitted through the interface module 20 to the credit information query side client 3. (Step S208).

In this case, the credit information inquiry side client 3 quickly interprets the credit information inquiry right code input request page 503 transmitted from the system 100 side and displays it as shown in FIG.

In this state, the credit information inquiry management server 10 continuously checks the interface module 20, whereby the serial information corresponding to the previous credit information inquiry right code input request page 503 from the credit information query client side 3 is obtained. It is determined whether or not the credit information inquiry right code has been input (step S209).

At this time, if it is determined that the credit information inquiry right code has not been completed yet, and it is determined that a separate credit information inquiry right code has not been input from the client 3, the credit information inquiry management server ( 10) the flow advances to step S210 to maintain a series of standby states.

However, the credit information provider fills in all the input items 504 of the credit information inquiry right code input request page 503, clicks the confirmation item 505, and enters, 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 assigns this credit information inquiry right code, for example, "RSC21A3 ...." It is determined whether or not the normal credit information inquiry right code satisfies the requirement (step S211).

At this time, the credit information inquiry right code "RSC21A3 ‥‥" is a code that specifies a restriction period for "expiration after May 20", and the date on which the credit information checker 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 including the above contents are generated, and a process of transmitting the generated error messages to the credit information inquiry client side 3 via the interface module 20 is performed (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 credit information checker 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, the process of transmitting the completed matching credit evaluation page to the credit information inquiry side client 3 is performed (steps S213 and S214).

In this case, the credit information query client 3 quickly interprets the matching credit rating page 506 transmitted from the system 100 to display the matching credit rating details 507 as shown in FIG. This makes it easy for the credit reporter to check the credit information of the specific credit provider that he / she wants.

As described above, in the present invention, before any credit information provider, credit information query, or the like, D / B is managed, the credit information providing process / credit information inquiry process is performed separately. Procedures, such as the "Procedure for Self-Disclosure of Credit Information by Credit Providers", can be easily solved online, thereby allowing any individual, individual entrepreneur, corporation, etc. The legal credit information providing process and credit information retrieval process necessary for the user can be facilitated 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.

Further, in the present invention, before transmitting the credit information of the credit information provider to the online network, a series of "credit information inquiry right code verification procedure", "credit information inquiry identity verification procedure", etc. are collectively carried out in one routine. In addition, by allowing malicious access to the system to be blocked in advance from the login stage, indiscriminate abuse of credit information can be minimized.

Thereafter, the credit information inquiry management server 10 proceeds with a series of credit information inquiry details notification process informing a specific credit information provider that "credit information inquiry has inquired credit information" (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. 11 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.

Of course, such a credit information inquiry history may be transmitted directly when a series of system login events occur from the credit information provider side client 1 later.

On the other hand, as shown in Figure 12, in another embodiment of the present invention, the credit information provider, credit information query, etc., for example, management of the brokerage side operated by the brokerage company, such as "sales brokers, financial institutions ... ..." Using the system 2, a series of credit information providing processes, credit information inquiry processes, and the like may also be performed. In this case, unlike the previous FIG. 1, for example, the credit information inquiry right code application information D / B 57 is further disposed in the D / B block 50 on the system 100 side.

Hereinafter, a credit information inquiry management method according to another embodiment of the present invention using the credit information inquiry management system 100 as shown in FIG. 12 will be described in detail.

First, any credit information provider who wants to provide his or her credit information to a specific credit information query client, or any credit information query client who wants to search credit information of a specific credit information provider, the client (1) of the credit information provider, credit information. The computer environment for connecting to the brokerage management system 2 is prepared in advance by utilizing the inquiry client side 3 and the like.

At this time, as shown in Figures 13 and 14, the credit information inquiry management method according to another embodiment of the present invention, the credit information query side client (3), online access to the previous brokerage management system (2), credit According to a series of event data transmitted from the information provider-side client 1 or the like, a combination of a credit information inquiry application management process (step S300) and a credit information inquiry approval management process (step S400), which are selectively performed, are performed.

First, the credit information inquiry application management process (step S300) will be described in detail.

First, a credit information queryer who wants to conduct a transaction such as "buying a home, buying a land, or renting an article ‥‥" using an arbitrary intermediary, through the credit information querying client 3, 2), the brokerage management system 2 goes through a series of log-in processes, after verifying the identity of the corresponding credit information queryer, for example, whether or not to register, and then a transaction page (as shown in FIG. 15). 601) is transmitted to the client 3 of the credit information query, and the credit information query is informed that the credit information of the other person related to the transaction can be inquired.

In this case, the credit information searcher clicks on the credit information inquiry item 602 posted on the transaction page 601 and inputs a series of credit information inquiry right codes as shown in FIG. 16 from the brokerage management system 10. After receiving the guide page 603, by using this, it is possible to query the credit information of others related to the transaction.

In this case, if the credit information query right has secured the credit information inquiry right code and has the right to search the credit information of another person, the corresponding credit information searcher may enter the credit information inquiry right code input guide page (603). By entering the credit information inquiry right code in the posted credit information inquiry right code input item 604, it is possible to query the credit information of others in real time.

Of course, if the credit reporter has not secured the credit information search right code in advance, the credit information searcher cannot search other's credit information in real time, and in this case, the credit information searcher can enter the credit information search right code input guide. After additionally accessing the credit information inquiry management system 100 of the present invention through the link item 606 posted on the page 603, the credit information inquiry right code application procedure unique to the present invention to be described below must be performed in advance. do.

With such information transfer relation established between the credit information query client side client 3 and the brokerage management system 2, the credit information inquiry management server 10 is interfaced as shown in FIG. By continuously checking the module 20, it is determined whether or not a series of credit information inquiry right code application events has occurred from the credit information inquiry side client 3 (step S301).

At this time, if it is determined that a separate credit information inquiry right code request event has not occurred from the credit information query side client 3, the credit information inquiry management server 10 proceeds to step S307 to describe the flow later.

However, if the credit information checker clicks on the link item 606 of the credit information inquiry right code input guide page 603 and judges that a series of credit information inquiry right code request events have occurred from the client 3 of the credit information checker side, 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 56, and then utilizes the operation information. After generating a series of credit information inquiry right code application guide pages for guiding the credit information inquiry right code application process, the credit information inquiry right code application guide page is generated. The process of transmitting to 3) is carried out (step S302).

In this case, the credit information inquiry side client 3 quickly interprets the credit information inquiry right code application guide page 607 transmitted from the system 100 side, and displays it as shown in FIG. Encouraging information readers to make a series of credit information retrieval right code application processes more easily online according to their intention.

In this state, the credit information inquiry management server 10 continuously checks the interface module 20, so that the credit information inquiry right code application guide page 607 corresponding to the previous credit information inquiry right code application guide page 607 is available from the credit information query client side. It is determined whether the credit information inquiry right code application information has been transmitted (step S303).

At this time, if the credit information checker does not complete a series of computing operations, and it is determined that a separate credit information inquiry right code application information is not transmitted from the client 3 of the credit information query side, the credit information inquiry management server 10 The flow advances to step S304 to maintain a series of standby states.

However, the credit information checker clicks on the confirmation item 608 posted on the credit information check right code application guide page 607, and a series of credit information check right code application information is transmitted from the client 3 of the credit information checker side. When it is determined that the credit information inquiry management server 10 immediately utilizes the credit information inquiry right code management module 31, the credit information inquiry right code application information D / B 57 stored in the credit information inquiry By updating the right code application information, the credit information inquiry right code application procedure carried out by the credit information inquiry can be quickly reflected in the system (100).

When this update process is completed, the credit information inquiry management server 10 immediately proceeds a process of notifying the credit information provider, for example, the previous credit information inquiry application details (step S306). Such a credit information inquiry application history notification process may be variously modified according to the situation of the system 100.

For example, the credit information inquiry request details may be directly transmitted when a series of system login events occur from the credit information provider client 1 later, and may be directly transmitted through the mail management server 60 through the mail management server 60. It may be transmitted to the mail account 200, and may be transmitted to the credit information provider-side mobile communication device 4 through the message management server 70.

On the other hand, by the process of the credit information inquiry approval management process (step S400) to be described later "end the credit information approval process of a specific credit information provider" is completed, through this, a series of credit information lookup rights codes to a specific credit information query When notified, the credit information queryer inputs the credit information inquiry right code secured by the credit information inquiry right code input item 604 posted on the credit information inquiry right code input guide page 603 mentioned above, You can search the credit information of others.

In this state, as shown in FIG. 13, the credit information inquiry management server 10 continuously checks the interface module 20 to retrieve credit information of a specific credit information provider from the client 3 of the credit information query. It is determined whether a series of credit information inquiry events for inquiry have occurred (step S307).

At this time, if it is determined that no credit information inquiry event has occurred from the credit information inquiry side client 3, the credit information inquiry management server 10 ends the flow, for example.

However, the credit information queryer has secured a series of credit information queries, for example, "RSC21A3 ‥‥" secured by the credit information inquiry right code input item 604 posted on the credit information inquiry right code input guide page 603. After inputting the right code and clicking the confirmation item 605, it is determined that a series of credit information inquiry events have occurred from the credit information inquiry side client 3, the credit information inquiry management server 10 immediately returns the credit. It is determined whether or not the 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 S308).

At this time, the credit information inquiry right code "RSC21A3 ‥‥" is a code that specifies a restriction period for "expiration after May 20", and the date on which the credit information checker 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 a process of transmitting the generated error messages to the credit information inquiry client side 3 via the interface module 20 is performed (step S309).

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 credit information checker 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 evaluation page to the credit information query client side 3 is performed (steps S310 and S311).

In this case, the credit information query client 3 quickly interprets the matching credit rating page 609 transmitted from the system 100 to display the matching credit rating details 610 as shown in FIG. It allows the credit reporter to easily check the credit information of the specific credit information provider that he / she wants.

Thereafter, the credit information inquiry management server 10 proceeds with a series of credit information inquiry details notification process informing a specific credit information provider that "credit information inquiry has inquired credit information" (step S312).

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 invoking the service, the corresponding "credit information inquiry history notification mail" can be promptly delivered to the credit information provider side mail account 200. Subsequently, the credit information provider can easily check the credit information inquiry history notification mail 611 as shown in Fig. 19 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 transmitting 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 status without any inconvenience.

Of course, such a credit information inquiry status may be directly transmitted when a series of system login events occur from the credit information provider side client 1 later.

Next, the credit information inquiry approval management process (step S400) according to another embodiment of the present invention will be described in detail.

First, when the credit information provider who has confirmed that the credit information inquiry application has been made through the aforementioned step S306 is connected to the brokerage management system 2 through the credit information provider client 1, for example, the broker The side management system 2 goes through a series of login processes, and authenticates the identity of the credit provider, for example, whether it is a member, and then, for example, sends the guide page 701 as shown in FIG. 20 to the credit provider. By transmitting to the client 3, the credit information provider can induce the credit information inquiry application approval procedure corresponding to the request of the specific credit information inquiry user more easily online.

With such information transfer relation established between the credit information provider side client 1 and the brokerage side management system 2, as shown in FIG. 14, 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 inquiry approval events have occurred from the credit information provider-side client 1 (step S401).

At this time, if it is determined that the credit information inquiry approval event has not yet occurred from the credit information provider side client 1, the credit information inquiry management server 10 proceeds to the flow to step S402 to maintain a series of standby state do.

However, if the credit information provider selects the approval procedure progress item 702 posted on the guide page 701 and determines that a series of credit information inquiry approval events have occurred from the credit information provider 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 56 by using the operation information management module 33, and then utilizes the operation information to apply the corresponding credit information. After generating a series of credit information inquiry approval guide pages for guiding the credit information inquiry approval process of the provider, the process of transmitting the completed credit information inquiry approval guide page to the credit information provider side client 1 is performed. Step S403).

In this case, the credit information provider side client 1 quickly interprets the credit information inquiry approval guide page 703 transmitted from the system 100 side, and displays it, as shown in FIG. Induces a series of credit card inquiry approval processes to be carried out online more easily according to their intention.

In this state, the credit information inquiry management server 10 continuously checks the interface module 20, so that a series of credits corresponding to the previous credit information inquiry approval guide page 703 from the credit information provider-side client 1 can be obtained. It is determined whether the information inquiry approval information has been transmitted (step S404).

At this time, if it is determined that the credit information inquiry approval information has not yet been transmitted from the credit information provider side client 1, the credit information inquiry management server 10 proceeds with the flow to step S405, for example, a series of waiting states. Keep it.

However, if the credit information provider selects the example item 704 of the credit information inquiry approval guide page 703 and judges that a series of credit information inquiry approval information has been transmitted from the credit information provider side client 1, The inquiry management server 10 immediately extracts a series of operation information stored in the operation information D / B 56 by using the operation information management module 33, and then utilizes the operation information, "credit". A series of "requirement specification guide pages" for designating the requirements of the information inquiry right code "is generated, and the generated requirement specification guide pages are transferred to the credit information provider client 1 via the interface module 20. The transmission proceeds (step S406).

In this case, the credit information provider client 1 quickly interprets the requirement specification guide page 705 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.

On the other hand, through the above-described process, the credit information inquiry management server 10 continuously checks the interface module 20 with a series of requirements designation guide pages 705 posted on the credit information provider client 1. By doing so, it is determined whether or not a series of requirement specification information corresponding to the above requirement specification guide page 705 has been transmitted from the credit information provider side client 1 (step S407).

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 S408, the series of standby states is maintained.

However, the credit information provider fills all the input items 706 of the requirements specification guide page 705, clicks the confirmation item 707, and a series of requirement specification information has been 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 above by using the credit information inquiry right code management module 31, and generates The completed credit information inquiry right code is stored in the credit information inquiry right code D / B 53, and the corresponding credit information stored in the credit information provider D / B 51 using the operation information management module 33. The provider's data is newly updated (step S409).

When the storage / update process is completed, the credit information inquiry management server 10 immediately proceeds to notify the previous credit information inquiry right code, for example, a credit information provider, a credit information inquiry person, etc. (step S410). . The notification process of the credit information inquiry right code may also be modified in various ways according to the situation of the system 100, similar to the other cases.

For example, the credit information inquiry right code may be directly transmitted when a series of system login events occur from the credit information provider-side client 1, the credit information inquiry-side client 3, and the like. Through 60, the credit information provider side mail account 200, the credit information inquiry side mail account 201, etc. may be transmitted, and through the message management server 70, the credit information provider side mobile communication unit 4 In addition, the credit information may be transmitted to the mobile communication device of the queryer.

Through these various paths, for example, when the credit information inquiry right code pages 708 and 709 are displayed on the credit information provider side client 1, the credit information inquiry side client 3, etc., as shown in FIG. For example, the credit information provider and credit information searcher can quickly check the credit information inquiry right code granted to them, and can take appropriate action promptly.

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 52, Based on this, any credit information queryer may be provided with "bad trader, excellent trader information."

As another example, the inquiry management server 10 of the present invention extracts the evaluation history of a specific credit information query, for example, by using the credit information query data stored in the credit information query information D / B 51, and based on this, In addition, it may provide any credit information provider with "bad trader information, good trader information."

As another example, the inquiry management server 10 of the present invention, for example, in connection with the insurance company management system, to build a series of online insurance infrastructure, based on this, any credit information provider, credit information query, etc. can be worn It can also reduce unforeseen 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, before any individual, individual business owner, legal entity, etc., D / B is managed and managed in full credit information provision / credit information inquiry process, Procedures, such as the "Procedure for Self-Disclosure of Credit Information by Credit Providers", can be easily solved online, thereby allowing any credit information provider, credit information queryer, etc. It is possible to induce the necessary credit information providing process / credit information retrieval process that is necessary for the online to make it easier to proceed.

In addition, in the present invention, a series of credit information inquiry process can be carried out through "any arbitrary credit information inquiry right code that cannot be used by itself without a separate identification process", thereby externalizing credit information by hacking. Leakage can be blocked in advance.

In addition, in the present invention, a series of credit information retrieval right code verification procedures, credit information inquiry identity verification procedures, etc. are collectively performed as one routine before the transfer of credit information of an individual, an individual business operator, a corporation, etc. to an online network. As a result, access to 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)

According to a series of event data transmitted from any credit information provider client and client who is connected to online network, it is composed of a combination of credit information inquiry right code provision management process and credit information inquiry management process. Lose, The credit information inquiry right code provision management 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 guide pages for guiding whether the credit information provider agrees to provide credit information to the client of the credit information provider; 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 randomly generated series of credit information inquiry right codes corresponding to the credit information provider is randomly generated, and the credit information inquiry right codes are generated to the credit information inquiry person. Credit information inquiry management method based on the online network comprising the step of notifying. The method according to claim 1, further comprising the steps of: transmitting a set of requirement specification guide pages for designating requirements of the credit information inquiry right code to the credit information provider client; Determining whether a series of requirement specification information corresponding to the requirement specification guide page has been input from the credit information provider client; When the requirement specification information is transmitted from the client of the credit information provider, the step of reflecting the requirement specification information to the generation of the credit information inquiry right code is further performed. How to manage. The credit information inquiry management process of claim 1, further comprising the steps of: determining whether a series of credit information inquiry events have occurred from the client of the credit information inquiry side; When a series of credit information inquiry events are generated from the credit information query client, receiving login information from the credit information query client, and determining whether or not the corresponding credit information searcher is registered; Transmitting the credit information inquiry right code input request page for inducing input of the credit information inquiry right code to the credit information checker-side client when the credit information checker 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 credit information query client; When the credit information inquiry right code is inputted from the credit information inquiry client, 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 credit information query client. Credit information inquiry management method based on the online network comprising the step of transmitting. [4] The online network according to claim 3, wherein the step of determining whether the credit information inquiry right code transmitted from the credit information inquiry client side satisfies the requirements specified by the credit information provider is further performed. Credit information inquiry management method. It consists of an optional credit information inquiry application management process and a credit information inquiry approval management process according to a series of event data transmitted from a credit information inquiry client and a credit information provider client that is online to any brokerage system. , The credit information inquiry application management process includes determining whether a series of credit information inquiry right code request events have occurred from the credit information inquiry client; When the credit information inquiry right code request event occurs from the client of the credit information checker, a series of credit information inquiry right code request guide pages for guiding the credit information inquiry right code application process of the credit information checker is displayed. Sending to the client side; Determining whether the credit information inquiry right code application information corresponding to the credit information inquiry right code application guide page has been transmitted from the credit information inquiry client; If the credit information inquiry right code application information is transmitted from the credit information query client, notifying a specific credit information provider that there is a credit information inquiry request; How to manage your queries. 6. The method of claim 5, further comprising: determining whether a series of credit information inquiry events for querying credit information of a specific credit information provider has occurred from the credit information query client; When the credit information inquiry event occurs from the credit information query client, generating a matching credit evaluation page that matches the credit information inquiry right code input from the credit information query client, and generates the matching credit evaluation page that has been generated. Credit information inquiry management method based on the online network, characterized in that the step of transmitting to the credit information client side further proceeds. 6. The method of claim 5, wherein the credit information inquiry approval management process determines whether a series of credit information inquiry approval events have occurred from the credit information provider client to approve a credit information inquiry application of a specific credit information inquiry client. Wow; When the credit information inquiry approval event occurs from the credit information provider client, transmitting a series of credit information inquiry approval guide pages to guide the credit information inquiry approval process of the credit information provider client to the credit information provider client; Wow; Determining whether credit information inquiry approval information corresponding to the credit information inquiry approval guide page has been transmitted from the credit information provider client; When the credit information inquiry approval information is transmitted from the client of the credit information provider, a series of credit information inquiry right codes corresponding to the credit information provider is randomly generated, and the credit information inquiry right code is generated. Credit information inquiry management method based on the online network comprising the step of notifying. 8. The method of claim 7, further comprising the steps of: transmitting to the credit information provider client a series of requirement specification guide pages for designating the requirements of the credit information inquiry right code; Determining whether a series of requirement specification information corresponding to the requirement specification guide page has been input from the credit information provider client; When the requirement specification information is transmitted from the client of the credit information provider, the step of reflecting the requirement specification information to the generation of the credit information inquiry right code is further performed. How to manage.