KR20050026137A - System for offering the credit report of an enterprise - Google Patents

Abstract

A system for automatically making/transmitting an enterprise credit research report to a user computer is provided to make/transmit the enterprise credit research report including a credit risk index by collecting information for credit risk index estimation items of a selected enterprise and calculating the credit risk index according to an estimation model based on the collected estimation items. An information collector(110) collects the information for the credit risk estimation index of the selected enterprise. A credit risk index calculator(120) calculates the credit risk index of the enterprise according to the estimation model by referring to the collected estimation items. A credit research report maker(130) makes the enterprise credit research report including the calculated credit risk index. A credit research report service part(140) offers a service by transmitting the enterprise credit research report.

Description

System for offering the credit report of an enterprise}

The present invention relates to a system for providing a company credit report, and more particularly, to a company credit report providing system that automatically generates a credit report that evaluates the business status, credit status, and the like of a trading company, and transmits the same to a user computer. It is about.

In the conventional case, a manual credit report report providing service is provided in which a company's credit is assessed using the company information collected by skilled investigators of a specialized credit bureau and provided to the client in the form of a report.

This manual type of credit report report service has a problem in that the quality of the survey report varies greatly depending on the proficiency of the researcher, and it takes a long time from the point of request to the client to the actual credit report report. .

The present invention has been invented to solve the above problems, a system for providing a corporate credit report that can provide a standardized corporate credit report of a standardized form in which qualitative deviations are minimized in a short time by automating the preparation of a credit report of a company. To provide that purpose.

According to an aspect of the present invention for achieving the above object, the corporate credit report providing system according to the present invention collects information on the credit risk index evaluation items of the selected company, the evaluation model with reference to the collected evaluation items Calculate the credit risk index of the relevant company according to the following, prepare a corporate credit report for the company including the calculated credit risk index, and transmits the completed corporate credit report to the service.

Therefore, it is possible to provide a standardized corporate credit report in a short time by minimizing qualitative deviations by automating the preparation of the credit report.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily understand and reproduce the present invention.

1 is a schematic diagram of a corporate credit report providing system according to the present invention.

As shown in the figure, the corporate credit report providing system 100 according to the present invention exists in the form of software running on the server 10, from the database server 20 of the credit information provider associated with it Collects information on the evaluation items of the companies to be evaluated and evaluates the credit levels of the companies through a predetermined evaluation model to prepare a corporate credit report, and the user credit report is linked to the user computer (30). The report will provide a standardized corporate credit report in a timely manner with minimal quality variation.

Figure 2 is a block diagram according to an embodiment of a corporate credit report providing system according to the present invention.

In detail, the corporate credit report providing system 100 according to the present invention includes an information collecting unit 110, a credit risk index calculating unit 120, a credit reporting report preparing unit 130, and a credit reporting report service unit. 140.

The information collecting unit 110 collects information on the credit risk index evaluation items of the selected company.

Credit information providers such as 'Korea Credit Rating Information Co., Ltd.' store and store company information on each company's status and credit status as a database. The information collecting unit 110 obtains information on the evaluation items of the evaluation target company, that is, information for calculating the credit risk index to be included in the corporate credit report from the database server 20 of the credit information provider. Read out.

The credit risk index calculation unit 120 calculates the credit risk index of the corresponding company according to the evaluation model with reference to the evaluation items collected by the information collection unit 110.

The credit risk index of the company is a numerical value of the credit risk level of the company, and the evaluation model means a predetermined statistical model for calculating the credit risk index. This statistical model can be functionalized in various ways depending on the evaluation items.

Therefore, the credit risk index calculation unit 120 evaluates the collected evaluation items according to a predetermined evaluation model to calculate the numerical credit risk index of the corresponding company.

The credit report preparation unit 130 prepares a corporate credit report for the company that includes the credit risk index calculated by the credit risk index calculation unit 120.

That is, when the credit risk index of the company to be evaluated is calculated, the credit report preparation unit 130 prepares and stores a credit report including the credit risk index, the date and time of calculation thereof, the reason for calculation, and the like.

The credit report contains information on the company's status, including the company's overview, main status, and financial information, and credit information, including bad credit information, litigation pending information, statutory management and reconciliation information, overdraft information, and credit ratings. It may also include.

In addition, the credit report may further include a variety of additional information, such as a comparison of risk levels within the same sector or a comparison of risk levels with other sectors.

The credit report may be prepared and stored in the form of a file such as HTML, PDF, XLS, XML, or the like.

An example of the above credit report is shown in FIG. 4. 4 is a diagram illustrating an example of a corporate credit report provided by the corporate credit report providing system according to the present invention. The number displayed on the upper right of the corporate credit report shown in FIG. 4 is the credit risk index calculated by the credit risk index calculation unit 120.

The credit report report service unit 140 transmits and services the corporate credit report generated by the credit report report creation unit 130.

That is, the credit report report service unit 140 transmits and services the company credit report written to the client through on / off line. On the other hand, in the case of transmission via online, the credit report report service unit 140 transmits the corresponding company credit report in a predetermined file such as HTML, PDF, XLS, XML, etc. in response to a request for downloading the corporate credit report from the user computer 30. It is converted to a format and sent in various ways such as web page or e-mail.

The operation of the corporate credit report providing system according to the present invention having the above configuration will be described with reference to FIG. 3.

3 is a flow chart of a credit report service of the corporate credit report providing system according to the present invention.

First, in step S110, the corporate credit report providing system 100 collects the information on the credit risk index evaluation items of the company to be evaluated by the credit risk index through the information collecting unit 110.

Thereafter, the credit risk index of the corresponding company is calculated according to the evaluation model with reference to the evaluation items collected through the credit risk index calculation unit 120 in step S120.

When the credit risk index is calculated, the corporate credit report report providing system 100 creates a corporate credit report for the company including the credit risk index calculated in step S130 through the credit report report preparation unit 130. .

Then, in step S140, the corporate credit report report providing system 100 provides the client with a corporate credit report generated by the credit report service service unit 140 to the client.

Accordingly, the system for providing a corporate credit report according to the present invention can provide a standardized corporate credit report in a short time by minimizing qualitative deviations by automating the preparation of a credit report.

Meanwhile, according to an additional aspect of the present invention, the corporate credit report providing system 100 according to the present invention may further include a payment processing unit 150.

The payment processing unit 150 processes payment for the corporate credit report service.

At this time, the payment processing unit 150 provides a user interface to the user computer 30 requesting payment for the corporate credit report service, and the corporate credit report report service according to the payment request information input through the user interface. It is desirable to process the payment for.

That is, when a client is requested to prepare a credit report on a predetermined company, the corporate credit report providing system 100 requests the client to pay for the company credit report service through the payment processing unit 150 and deposits it from the client. Receive.

Payment for the corporate credit report service may be made offline, it is preferable that the online payment through the payment processing unit 150 is made. The payment processing unit 150 provides a user interface for online payment of various forms currently commonly used, such as Internet card payment, Internet account transfer, mobile phone payment, etc. on the screen of a user computer, and a payment request input through the user interface. Make payment according to the information. The above-described technology related to Internet card payment, Internet account transfer, and mobile phone payment is a conventional technology that is already known and implemented in various ways before the present application, so a detailed description thereof will be omitted.

Therefore, the corporate credit report providing system according to the present invention can generate a profit by receiving a service fee for the corporate credit report service from the client.

On the other hand, according to an additional aspect of the present invention, the corporate credit report providing system 100 according to the present invention may further include a corporate selection unit 160.

The company selector 160 receives a selection of a company for preparing a company credit report from a user.

In this case, the enterprise selector 160 provides a user interface for searching a company, searches for information on a company entered in the user interface, displays a search list, and trusts a company selected by the user from the search list. It is advisable to select a company to produce a survey report.

That is, when a user accesses the corporate credit report providing system 100 according to the present invention through a user computer 30 and requests the creation of a corporate credit report for a given company, the corporate credit report providing system 100 is The user selector 160 provides a user interface for searching a company to create a credit report on the screen of a user computer, and searches the company information corresponding to the company name input by the user from the database through the user interface. By outputting a list of related companies, the user can input a company selection to write a credit report from the output of the related company list, thereby automating the company selection, thereby improving user convenience.

Meanwhile, according to an additional aspect of the present invention, the corporate credit report providing system 100 according to the present invention may further include a member manager 170.

The member manager 170 processes member registration through a member registration procedure according to a member request from the user computer 30, and processes access through member authentication during member access.

At this time, it is preferable that the credit report service unit 140 transmits the company credit report to the user computer 30 of the registered member.

That is, the corporate credit report providing system 100 according to the present invention stores the member information by processing the member registration through a predetermined membership registration process for the user who requested membership through the member management unit 170, the member information, By processing the member authentication of the member connected to the corporate credit report providing system 100 according to the present invention through the user computer 30 using the information, the member to use the corporate credit report report service, and the member requested The credit report of the company is prepared according to the procedure described above, and the service is transferred to the user's computer 30 of the member through the credit report service service 140 so that only the registered user can use the company's credit report service. It will be able to provide membership services that enable them.

Therefore, by doing as described above, the corporate credit report providing system according to the present invention can achieve the above object of the present invention.

As described above, the system for providing a corporate credit report according to the present invention can provide a corporate credit report that minimizes qualitative deviations in a short time by automating the creation of a corporate credit report, HTML, PDF, XLS, XML Corporate credit report can be provided in standardized report format in various formats such as file format, and the credit risk of the company is immediately reflected by the changes in the company that occurred when the company's information changes when the user's request is made. The index can be calculated so that the user can always be provided with the latest credit report.

Although the present invention has been described with reference to the accompanying drawings, it will be apparent to those skilled in the art that various modifications may be made therein without departing from the scope of the invention, which is covered by the following claims.

1 is a schematic diagram of a corporate credit report providing system according to the present invention

Figure 2 is a block diagram according to an embodiment of a corporate credit report providing system according to the present invention

Figure 3 is a credit report report service flow chart of the company credit report report system according to the present invention

4 is a diagram illustrating an example of a corporate credit report provided by the corporate credit report providing system according to the present invention.

<Explanation of symbols for the main parts of the drawings>

10: server 20: database server

30: user computer 100: corporate credit report report providing system

110: information collecting unit 120: credit risk index calculation unit

130: credit report report writing unit 140: credit report report service department

150: payment processing unit 160: company selection unit

170: member management department

Claims (7)

An information collecting unit for collecting information on the credit risk index evaluation items of the selected companies; A credit risk index calculation unit for calculating a credit risk index of a corresponding company according to an evaluation model by referring to the evaluation items collected by the information collection unit; A credit investigation report preparation unit for preparing a corporate credit investigation report for the corresponding company including the credit risk index calculated by the credit risk index calculation unit; A credit report report service unit which transmits and services a company credit report generated by the credit report report preparation unit; Corporate credit report reporting system that includes. The method of claim 1, The corporate credit report report providing system: A payment processing unit for processing a payment for the corporate credit report service; Corporate credit report providing system further comprises. The method according to claim 1 or 2, The corporate credit report report providing system: A corporate selection unit for receiving input from a user of a selection of a company for preparing a corporate credit report; Corporate credit report providing system further comprises. The method of claim 3, wherein The corporate credit report report providing system: A member manager which processes member registration through a member registration procedure according to a member request from a user computer, and processes access through member authentication when a member is connected; Including more, The credit report service department: A system for providing a corporate credit report, characterized by transmitting a service of a corporate credit report to a user computer of a registered member. The method of claim 2, The payment processing unit: A corporate credit survey, comprising providing a user interface to a user computer requesting payment for the corporate credit report service and processing payment for the corporate credit report service according to the payment request information entered through the user interface. Report delivery system. The method of claim 3, wherein The company selection department: It provides a user interface for corporate search, retrieves information about the companies entered in the user interface, displays a search list, and selects the company selected by the user as a company to write a credit report from the search list. Credit reporting report providing system. The method of claim 3, wherein Credit Report Service Department: A credit report report providing system, characterized in that for converting the company credit report report from the user's computer download request to a predetermined file format.