KR20030074546A - Family credit information inspection system based on internet and method thereof - Google Patents

Abstract

PURPOSE: A system and method for managing inquiry of family credit information are provided to inquire, read, and manage credit information of a family by designating a specific person out of the family as a credit information manager. CONSTITUTION: Internet terminals(100,200) are connected to a credit information company web server(370) and designate a specific person out of the family as a credit information manager. The web server(370) transmits and receives data to the Internet terminals(100,200) and a main server(300). A credit information main server(300) inquires personal information of an applicant from a member information DB(330) and a family member DB(340). If an identity of the applicant is uncertain, the credit information main server(300) outputs a refusal message. If an identity of the applicant is certain, personal information of the applicant is inquired. In the qualification of the applicant is approved, the applicant is registered in a family member DB(340) as a credit information manager and the registration is transmitted to a corresponding family through communication media. The credit information main server(300) collects credit information of the family from a credit information supply institution(600) and a specific Internet web site(700) and stores the credit information in each database. In the case that a member of the family requests a credit information reading and management, the credit information main server(300) refers to the member information DB(330) and a family member DB(340), and checks whether the member is the credit information manager. If the credit information manager is confirmed, the requested credit information is supplied to a personal terminal of a member of the family or the credit information manager.

Description

Internet based family credit information inquiry management system and method thereof {FAMILY CREDIT INFORMATION INSPECTION SYSTEM BASED ON INTERNET AND METHOD THEREOF}

The present invention relates to a family credit information inquiry management system and method based on the Internet, and more particularly, to designate a specific person among family members as a credit information manager so that the entire family credit information can be inquired, viewed and managed. In addition, the present invention relates to a family credit information inquiry management system and method based on the Internet that notifies an administrator immediately of occurrence, change, deletion, and real name inquiry record of credit information.

At present, due to the expansion of the use of credit cards and financial loans, transactions by individual credits are rapidly increasing, and the importance of the function of viewing and managing such personal credit status is emerging.

Therefore, in recent years, as the use of the Internet, credit information companies have collected and collected the above-described personal credit information in a database, so that individual users can easily inquire, view, and manage the Internet.

In the general credit information inquiry and management system, when an individual user requests to view and view credit information, the credit information is provided only to the user after a certain identity verification process.

However, in the conventional credit information inquiry management system, since the individual user can only view and view his or her own credit information, he or she cannot manage the credit information of family members such as children in advance, and only after the family becomes poor credit There was a problem that the social and economic disadvantages come to know.

In addition, since the credit information is not generated, changed, deleted, and the real name inquiry record is not notified, there is a problem that the user cannot know the change state in advance until the user views the credit state.

Accordingly, the present invention is to solve the above-mentioned conventional problems, by designating a specific person among the family members as the credit information manager, so that the credit information of the entire family can be inquired, viewed and managed by the family member, so that a certain family member has a bad credit. Web sites to which family members have joined, by preventing the occurrence of such information in advance, and by allowing the credit information manager to check the record of real name verification and membership registration on websites visited in the name of the individual. Internet-based family credit information inquiry and management system that minimizes concerns about management, identity theft and personal information leakage, and immediately informs the manager when credit information is generated, changed, deleted, and real-name inquiry records occur. The purpose is to provide a method.

1 is a block diagram showing a family credit information inquiry management system based on the Internet according to the present invention.

2 is a control flowchart showing a credit information manager designation and approval procedure according to the present invention.

3 is a control flowchart illustrating a procedure for providing credit information inquiry of an individual member and a credit information manager according to the present invention.

4 is a control flowchart illustrating a notification procedure when credit information generation, change, deletion and real name inquiry record generation according to the present invention.

5 is a diagram showing the configuration items of a related database according to the present invention;

<Description of Symbols for Main Parts of Drawings>

100: individual member 200: credit information manager

210: mobile phone 220: phone / fax

230: TV 300: Credit Information Main Server

310: Credit information DB 320: Real name lookup record DB

330: Member Information DB 340: Family Member DB

350: communication server 360: mail server

370: web server 380: fax

400: communication company server 500: broadcasting company server

600: Credit Information Provider 700: Internet Website

Family credit information inquiry management system based on the Internet according to the present invention for achieving the above object, the family credit information inquiry for the integrated management of the credit information of family members by receiving and designating a credit information manager based on the Internet 1. A management system, comprising: an internet terminal for accessing a web server of a credit information company and designating and applying a selected person from a family member as a credit information manager; A web server for transmitting and receiving data to and from the terminal and the Internet, and transmitting the data to a main server; The applicant's personal information is checked from the member information DB and the family member DB, and the identity of the applicant is checked. If the person is not the person, the application rejection message is output. According to the result, the manager requests submission of certification documents, and if the manager's eligibility is recognized, he / she stores it in the family member DB as the family's credit information manager, and outputs the specified result to communicate with the family member and the credit information manager. It transmits and notifies to the media, collects, changes, deletes and deletes the real-name inquiry information of registered family members from the credit information provider and the specific internet website through the communication server, and stores it in each database. When requesting to view and manage the credit information of the family member from the terminal connected to the member information DB and Refers to the family member DB to determine whether it is the person or credit information manager, and if the person or the credit information manager is confirmed, withdraws the requested credit information by referring to the credit information DB and the real name inquiry record DB and the personal terminal or credit manager of the family member. Characterized in that consisting of the main credit information server provided to the terminal.

In addition, the credit information main server updates the credit information DB and the real name inquiry record DB when credit information generation, change, deletion and real name inquiry information from a specific Internet website are generated from a credit information provider. Compare the information with the member information DB and the family member DB and notify the details using at least one communication medium among a designated PC, mobile phone, telephone / fax or interactive TV, and if the manager is designated, the manager shall be notified. If it is not specified, the member is notified.

In addition, the family credit information inquiry management method based on the Internet according to the present invention is a family credit information inquiry management method for the integrated management of the credit information of family members by receiving and designating a credit information manager based on the Internet, The process of designation and approval of the credit information manager is; Accessing a web server of a credit information company through an internet terminal, and designating and applying a specific person selected from a family member as a credit information manager; The main credit information server checks the applicant's personal information from the member information DB and the family member DB, and if not, prints the application rejection message. Querying; Upon request of the manager's certification document based on the inquiry result, if the manager's eligibility is recognized, he / she is stored in the family member DB as the family's credit information manager and outputs the specified result to the family member and the credit information manager. Transmitting and notifying to a communication medium of; Integrated process of managing the credit information of the family members; The credit information main server collects credit information generation, change, deletion and real name inquiry information of registered family members from a credit information provider and a specific internet website through a communication server and stores them in respective databases; Determining whether the user or the credit information manager is referred to the member information DB and the family member DB when a request is made to view and manage the credit information of the family member from the terminal connected to the web server; When the identification or the credit information manager is confirmed in the determination step, the requested credit information is withdrawn with reference to the credit information DB and the real name inquiry record DB and provided to the personal terminal or the credit manager terminal of the family member.

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

1 is a block diagram showing a family credit information inquiry management system based on the Internet according to the present invention.

As shown in the present invention, a family credit information inquiry and management system for integrating and managing credit information of a family member by designating and approving a credit information manager based on the Internet, comprising: a plurality of Internet terminals 100 and 200; It is composed of a web server 370 and the main server 300.

The Internet terminal 100, 200 is connected to the credit information company web server 370, designating and applying a specific person selected from the family members as the credit information manager, the web server 370 is the terminal 100, 200 And transmits and receives data through the Internet, and transmits it to the main server 300.

In addition, the credit information main server 300 inquires the applicant's personal information from the member information DB (330) and the family member DB (340), and confirms the identity of the applicant, and if not, outputs an application rejection message, In case of request, the personal information of the applied credit information manager is inquired, and upon request of the manager to submit certification documents, if the manager's qualification is recognized, the family member DB (340) ), And outputs the specified result to the transmission and notification to the communication media 100, 200, 210, 220, 230 of the family member and the credit information manager.

In addition, the credit information generation, change, deletion and real name inquiry information of registered family members are collected from the credit information provider 600 and the specific Internet website 700 through the communication server 350, each database 310 (320) 330 (340) and, if there is a request to view and manage the credit information of the family member from the terminal 100, 200 connected to the web server 370, member information DB (330) And the family member DB 340 to determine whether the person or credit information manager, and if the identity or credit information manager is confirmed, the credit information requested by referring to the credit information DB 310 and real name inquiry record DB (320) Withdrawals are provided to the family member's personal terminal 100 or the credit manager terminal 300.

In addition, the credit information main server 300 when the generation of credit information, change, deletion of the family member from the credit information provider 600 and real-name inquiry information from a specific Internet website 700, credit information DB 310 ) And real name lookup record DB (320), and compares this information with the member information DB (330) and family member DB (340), the details of the specified PC (100) (200), mobile phone (210), telephone / Fax 220 or two-way TV (230) using at least one of the communication media, but notified if the manager is designated, the manager, and if the manager is not specified, it is preferable to notify the member.

Referring to the operation of the present invention configured as described in more detail as follows.

2 is a control flowchart illustrating a credit information manager designation and approval procedure according to the present invention, FIG. 3 is a control flowchart showing a procedure for providing credit information inquiry of an individual member and a credit information manager according to the present invention, and FIG. FIG. 5 is a control flowchart illustrating a notification procedure when a credit information is generated, changed, deleted, and a real name inquiry record is generated. FIG.

As shown, the present invention consists of a process of designating and approving a credit information manager based on the Internet, and a process of integrated management of credit information of family members.

In the designation and approval process of the credit information manager, first, the credit information company web server 370 is accessed through the Internet terminal 100 and 200, and a specific person selected from the family members is designated and applied as the credit information manager.

Thereafter, the main credit information server 300 checks the identity of the applicant from the member information DB 330 and the family member DB 340, and confirms the identity of the applicant. If it is, the personal information of the applied credit information manager is inquired.

In addition, the request for submission of the certification document of the manager in accordance with the inquiry result, and if the manager's qualification is recognized, as the credit information manager of the family is stored in the family member DB (340), and outputs the specified result to the family Send and notify to the communication media 100, 200, 210, 220, 230 of the member and the credit information manager.

Here, the documents required for certification include, for example, documents required for credit management, such as a resident registration copy, a family credit information membership application form, a power of attorney signed by the whole family, and a consent form for using and using credit information. The same dossier is usually submitted online, but it may be possible to submit it offline.

Next, the process of integrated management of the credit information of the family member, first, the credit information main server 300 credits the generation, change, deletion and real name inquiry information of registered family members through the communication server 350 Collected from the information provider 600 and the specific Internet website 700 and stored in each database 310, 320, 330, 340.

Subsequently, when there is a request for viewing and managing the credit information of the family member from the terminal 100 or 200 accessing the web server 370, the user or the member with reference to the member information DB 330 and the family member DB 340. Determine if you are a credit information manager.

If the person or the credit information manager is confirmed in the determination step, the requested credit information is withdrawn by referring to the credit information DB 310 and the real name inquiry record DB 320, and the personal terminal 100 or the credit manager terminal 300 of the family member. To provide.

In the present invention, the term "family" refers to a realistic collective concept as "a living community where the relatives of the kin relatives live together as a couple" as the core, and in the present invention in a broader scope. Specific groups or groups that may be interpreted and designated as credit information managers by the concept of a family member, the residence / building in which the family member lives, the family as a living community, and other relatives or relatives beyond the scope of the family. It is desirable to understand the concept of.

On the other hand, the process of integrated management of the credit information of the family members; When the credit information provider 600 generates, changes, or deletes the credit information of the family member and generates real-name inquiry information from a specific Internet website 700, the manager is notified when the manager is designated, and when the manager is not specified. It is advisable to notify the member.

At this time, the credit information DB 310 and the real name inquiry record DB 320 is updated, and this information is compared with the member information DB 330 and the family member DB 340, and the details thereof are designated PCs 100 and 200. Notify using a communication medium of at least one of the mobile phone 210, the telephone / fax 220 or the interactive TV 230.

Therefore, when the credit information and real-name inquiry information of the family member is generated, the fact is notified by the email service of the credit information manager or the SMS service of the mobile phone, so that the family member's credit information and its change status are always checked and the social and economic Financial accidents can be prevented beforehand.

In addition, when the credit information and real-name inquiry records of the family member occurs, it is also possible to notify the facts to the credit information manager through a variety of communication media, such as mail, interactive TV, wireless Internet.

The present invention is not limited to the above-described embodiments, and various modifications can be made by those skilled in the art without departing from the gist of the present invention as claimed in the claims. Such changes are intended to fall within the scope of the claims set forth herein.

As described above, according to the Internet-based family credit information inquiry management system and method thereof, a specific member of a family member can be designated as a credit information manager to inquire, view and manage credit information of the entire family. By doing so, there is an effect that a certain family member can prevent the occurrence of credit failures in advance.

In addition, the name of the family member can be viewed in the name of the member attempted to join the membership, the real name verification records and membership registration on the visited websites, and the management, name theft and personal information leakage of the website subscribed to by the individual. There is also an effect that can minimize concerns.

In addition, when a real-name inquiry record such as the occurrence, change, or deletion of credit information, or when a member of a specific website is registered, is notified immediately through various media such as a personal information manager's PC, a mobile phone, a telephone / fax, or an interactive TV. There is also an effect that can tell.

Claims (4)

In the family credit information inquiry and management system that integrates and manages the credit information of family members by designating and approving a credit information manager based on the Internet, Internet terminals 100 and 200 which access a credit information company web server 370 and designate and apply a specific person selected from a family member as a credit information manager; A web server 370 that transmits and receives data to and from the terminal 100 and 200 through the Internet, and transmits the data to the main server 300; Inquiries about the applicant's personal information from the member information DB (330) and the family member DB (340), and confirms the identity of the applicant, if not the person prints the application rejection message, if the person is the personal information of the applied credit information manager Request the submission of the manager's certification documents according to the inquiry result, and if the manager's qualification is recognized, store it in the family member DB (340) as the credit information manager of the family, and output the specified result Send and notify to the communication media 100, 200, 210, 220, 230 of the family member and the credit information manager, Credit information generation, change, deletion, and real-name inquiry information of registered family members are collected from the credit information provider 600 and the specific Internet website 700 through the communication server 350, each database 310 ( 320, 330, 340, when the request for viewing and management of the credit information of the family member from the terminal 100, 200 connected to the web server 370, the member information DB (330) and family Determining whether the person or the credit information manager is verified with reference to the member DB 340, and withdraws the requested credit information by referring to the credit information DB 310 and the real name inquiry record DB 320 when the identity or the credit information manager is confirmed. Family credit information inquiry management system based on the Internet, characterized in that consisting of the main terminal 300 of the credit information provided to the personal terminal 100 or the credit manager terminal 200 of the family member. According to claim 1, wherein the credit information main server 300 When the credit information provider 600 generates, changes, or deletes credit information of the family member and generates real-name inquiry information from a specific Internet website 700, it is updated in the credit information DB 310 and the real-name inquiry record DB 320. This information is compared with the member information DB 330 and the family member DB 340, and the details thereof are designated by the PC 100, 200, the mobile phone 210, the telephone / fax 220 or the interactive TV 230. Method of inquiring and managing family credit information based on the Internet, characterized in that the user is notified using at least one communication medium, but notifies the manager if a manager is designated, and notifies the member if the manager is not designated. . In the family credit information inquiry and management method that integrates and manages the credit information of family members by designating and approving a credit information manager based on the Internet, Designation and approval process of the credit information manager; Accessing the credit information company web server 370 through the Internet terminals 100 and 200, and designating and applying a specific person selected from the family members as the credit information manager; The credit information main server 300 checks the identity of the applicant by checking the personal information of the applicant from the member information DB 330 and the family member DB 340, and outputs an application rejection message if the person is not the person. Querying personal information of the applied credit information manager; Upon request of the manager's certification document according to the inquiry result, if the manager's eligibility is recognized, the manager is stored in the family member DB 340 as the credit information manager of the family, and the designated result is outputted to the family member and Transmitting and notifying the communication information 100, 200, 210, 220, 230 of the credit information manager; Integrated process of managing the credit information of the family members; The credit information main server 300 collects credit information generation, change, deletion and real name inquiry information of registered family members from the credit information provider 600 and the specific Internet website 700 through the communication server 350. Storing in each database 310, 320, 330, 340; When there is a request for viewing and managing the credit information of the family member from the terminal 100 or 200 accessing the web server 370, the user or the credit information with reference to the member information DB 330 and the family member DB 340. Determining whether the manager is; If the person or the credit information manager is confirmed in the determination step, the requested credit information is withdrawn with reference to the credit information DB 310 and the real name inquiry record DB 320, and the personal terminal 100 or the credit manager terminal 200 of the family member. Family credit information inquiry management method based on the Internet, characterized in that consisting of steps to provide. The method of claim 3, wherein the integrated management of credit information of the family members comprises: a; When the credit information provider 600 generates, changes, or deletes credit information of the family member and generates real-name inquiry information from a specific Internet website 700, it is updated in the credit information DB 310 and the real-name inquiry record DB 320. This information is compared with the member information DB 330 and the family member DB 340, and the details thereof are designated by the PC 100, 200, the mobile phone 210, the telephone / fax 220 or the interactive TV 230. Notifying using at least one of the communication media, if the custodian has been designated if the custodian, and if the custodian is not specified, further comprising the step of notifying the corresponding member How to manage your credit information.