KR20130065778A - Method and system for managing credit information - Google Patents

Method and system for managing credit information Download PDF

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Publication number
KR20130065778A
KR20130065778A KR1020110126299A KR20110126299A KR20130065778A KR 20130065778 A KR20130065778 A KR 20130065778A KR 1020110126299 A KR1020110126299 A KR 1020110126299A KR 20110126299 A KR20110126299 A KR 20110126299A KR 20130065778 A KR20130065778 A KR 20130065778A
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South Korea
Prior art keywords
credit
information
rating
customer
score
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KR1020110126299A
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Korean (ko)
Inventor
김은경
차창영
장용혁
박은경
변영우
김진우
권지하
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코리아크레딧뷰로 (주)
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Priority to KR1020110126299A priority Critical patent/KR20130065778A/en
Publication of KR20130065778A publication Critical patent/KR20130065778A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/04—Forecasting or optimisation specially adapted for administrative or management purposes, e.g. linear programming or "cutting stock problem"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0609—Buyer or seller confidence or verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements
    • H04W4/14—Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]

Abstract

The credit information management method of the credit information management system according to an embodiment of the present invention comprises the steps of receiving a request for use of the credit information management system from a customer terminal, querying the customer's credit information, the query credit information Transmitting to a customer terminal, receiving a credit rating or credit score prediction request including a change value for the inquired credit information from the customer terminal, an expected credit rating or expected credit of the customer based on the change value Simulating a rating, and informing the customer terminal of the expected credit rating or the expected credit score.

Description

Credit information management method and system {METHOD AND SYSTEM FOR MANAGING CREDIT INFORMATION}

The present invention relates to a method and system for managing credit information.

Credit information refers to information necessary for determining the credit and credit ability of the other party for the transaction of the financial transaction. The credit information may be, for example, at least one of loan information, card information, delinquency information, guarantee information, inquiry information, arrears information, and credit rating.

A credit rating is a rating representing the credit status grasped from the credit information of an individual or company.

Credit score refers to a score indicating a credit status obtained from an individual or a company's credit information.

At present, the credit inquiry system is only to search and view the user's credit information, credit rating or credit score. Accordingly, the situation does not provide a service to help the credit check system to improve the user's credit information, credit rating or credit rating.

The technical problem to be solved by the present invention is to provide a credit information management method and system for predicting a credit rating or credit score.

Credit information management method of the credit information management system according to an aspect of the present invention comprises the steps of receiving a request for use of the credit information management system from a customer terminal, the step of querying the credit information of the customer, the credit information inquired by the customer Transmitting to a terminal, receiving a credit rating or credit score prediction request including a change value for the inquired credit information from the client terminal, an expected credit rating or an expected credit score of the customer based on the change value Simulating a; and informing the customer terminal of the expected credit rating or the expected credit score.

The credit information may be at least one of loan information, card information, and late payment information.

In the notifying step, at least one of the customer's current credit rating or credit rating, and whether the credit rating or credit rating rise or fall may be further informed.

The credit information management method includes receiving a target credit rating or a target credit score from the client terminal, calculating a credit rating or a credit score of the customer at a predetermined cycle, the calculated credit rating or the credit score and the target credit rating or Comparing the target credit score, and notifying the customer terminal of the comparison result.

The comparison result may include whether the target credit rating or the target credit score has been reached.

The comparison result may be delivered to the customer terminal through at least one of an email, a short message, and a push message.

A credit information management system according to an aspect of the present invention is a data input unit for receiving a request for predicting a credit rating or a credit score of a customer from a customer terminal, and receiving a change value for the credit information of the customer from the customer terminal, loan information, A credit information storage unit that stores credit information including at least one of card information and delinquent information, and when the credit rating or credit score of the customer is predicted through the data input unit, is requested from the credit information storage unit. A prediction unit for inquiring credit information, simulating an expected credit rating or an estimated credit score of the customer based on the retrieved credit information and the changed value of the credit information, and the viewed credit information and the expected credit rating of the customer Or a screen providing unit for providing an expected credit score on the screen of the customer terminal It includes.

The prediction unit calculates a current credit rating or credit score using the inquired credit information, calculates the expected credit rating or an estimated credit score using a change value for the credit information, and compares the current credit rating or credit score with the current credit rating or credit score. A comparison result of the expected credit rating or the expected credit score may be derived.

The prediction unit may include a first virtual database storing the inquired credit information and a second virtual database storing a change value for the credit information.

The credit information management system receives and stores a target credit rating or target credit score targeted by the customer from the client terminal, calculates the credit rating or credit score of the customer at a predetermined cycle, and calculates the calculated credit rating or credit score. And a credit information management unit for comparing the target credit rating or the target credit score to calculate a target achievement rate.

The credit information management system may further include a statistical information storage unit which stores and statistics the credit information related data of at least one customer.

The statistical information storage unit stores at least one of the inquired credit information and the credit information change value, and a statistical result of the first statistical DB and a simulation result of the prediction unit, at least one of a target credit rating, a target credit score, and a target achievement rate of the customer. It may include a second statistics DB that stores and statistics one.

By arbitrarily entering a change value of credit information, it is possible to predict a credit rating or a credit score. In addition, after setting the user's target credit rating or credit rating, it is possible to effectively manage the credit information, thereby helping the user to reach the target credit rating or credit rating.

1 is a diagram schematically showing a service environment to which a credit information management system according to an embodiment of the present invention is applied.
2 is a flowchart illustrating a credit information management method of a credit information management system according to an exemplary embodiment of the present invention.
3 is a block diagram showing an internal configuration of a credit information management system according to an embodiment of the present invention.
4 is a flowchart illustrating a credit information management method of a credit information management system according to an exemplary embodiment of the present invention.
5 to 8 are examples of screens provided on the screen of the customer terminal when using the credit information management service according to an embodiment of the present invention.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise.

In this specification, a terminal includes a mobile station (MS), a mobile terminal (MT), a subscriber station (SS), a portable subscriber station (PSS), a user equipment , An access terminal (UE), an access terminal (AT), and the like, and may include all or some of functions of a mobile station, a mobile terminal, a subscriber station, a mobile subscriber station, a user equipment,

Hereinafter, a credit information management system and method according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram schematically showing a service environment to which a credit information management system according to an embodiment of the present invention is applied.

Referring to FIG. 1, a service environment to which the present invention is applied includes a customer terminal 10, a credit information management system 100, and a financial institution server 200.

The customer terminal 10 is a device used by a customer who wants to manage credit information, and accesses the credit information management system 100 to request management of personal credit information. For example, the customer terminal 10 may be a mobile terminal, a notebook computer, a desktop computer, a smartphone, or the like. In addition, the customer terminal 10 may include an interface (not shown) for receiving an online service from the financial institution server 200. Here, the online service is a financial service such as online commerce, internet banking, or the like.

The credit information management system 100 stores credit information of an individual or a company, and provides a credit rating calculated from credit information or credit information when a request from the customer terminal 10 or the financial institution server 200 is requested. In this specification, the credit information management system 100 may be mixed with a credit inquiry system. On the other hand, the credit information management system 100 simulates the expected credit rating by using the credit information change value arbitrarily set by the customer. In addition, the credit information management system 100 stores a target credit rating arbitrarily set by the customer, and calculates the customer's credit rating periodically or aperiodically to manage whether the credit rating is changed or reaches the target credit rating. do.

The financial institution server 200 is a server of a financial institution that performs financial services. Here, financial institutions include banks, card companies, insurance companies, securities companies, and the like. The financial institution server 200 requests the credit information management system 100 to search for credit information or a credit rating of an individual or a company, and determines whether to provide financial services to the individual or company based on the credit information or the credit rating. .

Hereinafter, the credit information management method of the credit information management system 100 will be described.

2 is a flowchart illustrating a credit information management method of a credit information management system according to an exemplary embodiment of the present invention.

Referring to FIG. 2, the client terminal 10 transmits a request for using the credit information management system to the credit information management system 100 (S200). The customer terminal 10 may request a credit rating prediction by accessing a website operated by the credit information management system 100.

The credit information management system 100 queries the credit information for the customer (S210). The credit information management system 100 may store and manage credit information about an individual or a company. Here, the credit information may be, for example, at least one of loan information, card information, delinquency information, guarantee information, inquiry information, arrears information, and credit rating.

When the credit information management system 100 provides the credit information inquired to the customer terminal 10 (S220), the customer terminal 10 provides the credit information management system 100 with a credit rating change value or credit score. The prediction request is transmitted (S230). Here, the credit information change value is a value arbitrarily set by the customer, and a credit rating or credit score prediction means simulating a credit rating or credit score using credit information arbitrarily input by the customer. For example, assume that credit information is loan information. When the credit information management system 100 provides the customer terminal 10 with credit information about "the current bank has a loan of 10 million won", the customer terminal 10 sends the credit information management system 100 to the "1000". I will repay 5 million won out of 10,000 won loans. ”

Thus, the credit information management system 100 simulates the credit rating using the credit information change value received from the customer terminal 10 (S240), and provides the result to the customer terminal 10 (S250). Simulation results can include the current credit rating derived from the customer's actual credit information as well as the expected credit rating predicted from the credit information change. The simulation result may further include whether the credit rating is rising or falling.

Thereafter, the client terminal 10 may request the credit information management system 100 to set a target credit rating (S260). Target credit rating means the credit rating that the customer targets in the future. For example, if the customer's current credit rating is five, the customer may set the target credit rating to three.

The credit information management system 100 stores the target credit rating set by the customer, and manages the customer's credit rating (S270). That is, the credit information management system 100 may calculate the customer's credit rating according to a predetermined period or at any time, and compare whether the calculated credit rating reaches the target credit rating.

If the credit rating of the customer is changed, the credit information management system 100 notifies the customer of the change information (S280). The change information may include at least one of rising or falling information of the credit rating, whether the target credit rating has been reached, and a target achievement rate. The change information may be transmitted to the customer terminal 10 through at least one of personalized message delivery methods such as an email, a short message, and a push message.

Hereinafter, the credit information management method of the credit information management system 100 will be described in more detail.

3 is a block diagram showing an internal configuration of a credit information management system according to an embodiment of the present invention, Figure 4 is a flow chart showing a credit information management method of a credit information management system according to an embodiment of the present invention.

Referring to FIG. 3, the credit information management system 100 includes a customer information storage unit 110, a credit information storage unit 120, a prediction unit 130, a credit information management unit 140, a screen providing unit 150, The data input unit 160 and the statistical information storage unit 170 are included.

The customer information storage unit 110 stores customer information using the credit information management system 100. Here, the customer information may be, for example, at least one of a name, an ID, a password, a social security number, an address, a phone number, an e-mail, and service information authorized to be provided.

The credit information storage unit 120 stores credit information of an individual or a company. The individual or company that stores the credit information in the credit information storage unit 120 may be a customer using the credit information management system 100, but is not limited thereto. The credit information may be, for example, at least one of loan information, card information, delinquency information, guarantee information, inquiry information, arrears information, and credit rating. The loan information may include at least one of a contract amount, a loan date, an expiration date, an interest rate, and a repayment amount. The card information may include at least one of card issuance information, a lump sum or installment use amount, a cash service use amount, and a use history for each period. The delinquent information may include delinquent related information such as card delinquency, loan delinquency and default. Warranty information may include solidarity warranty information. The inquiry information may include a history of the financial institution inquiring the credit information of the individual or company.

The prediction unit 130 simulates a credit rating or a credit score by using the actual credit information stored in the credit information storage unit 120 and the changed values for the credit information received from the customer terminal 10. For example, the prediction unit 130 may calculate the current credit rating or the credit score using the actual credit information, and simulate the expected credit rating or the expected credit score using the change value. The prediction unit 130 may derive the possibility of changing the credit rating or the credit score, the expected economic effect due to the change in the credit rating or the credit score, etc. using a predetermined algorithm.

To this end, the prediction unit of the credit information management system 100 may include a virtual database (DataBase, DB). The virtual DB can temporarily store the customer's actual credit information and change values. The virtual DB storing the actual credit information and the virtual DB storing the change value may be operated separately. The virtual DB storing the change value may store the existing change value until a new change value is input from the customer terminal 10.

The credit information manager 140 stores the target credit rating or the target credit score received from the client terminal 10 and manages whether the customer's credit rating or the credit score reaches the target credit rating or the target credit score. To this end, the credit information management unit 140 calculates a credit rating or a credit score using a customer's credit information at a predetermined cycle or at any time, and calculates the credit rating or the credit rating and the target credit rating or the target credit rating. Can be compared. The credit information management unit 140 may calculate the target achievement rate by comparing the initial credit rating or credit rating, the credit rating or credit rating at the time of calculation and the target credit rating or the target credit rating. Here, the initial credit rating or the initial credit rating is a credit rating or credit rating when receiving a credit rating or a credit rating prediction request from the customer terminal 10, when receiving a target credit rating or a target credit rating from the customer terminal 10. May be at least one of a credit rating or a credit score, a credit rating or a credit score at any point set by the client terminal 10.

The screen providing unit 150 allows the information provided by the credit information system 100 to be displayed on the screen of the customer terminal 10. For example, a credit rating simulator execution tab may be displayed on the screen of the customer terminal 10 through the screen providing unit 150. In addition, the screen providing unit 150 may provide the customer's credit information, request to input a change value for the credit information in order to predict the credit rating or credit rating, and may provide the credit rating or the credit rating prediction result. have. In addition, the screen providing unit 150 may request to input a target credit rating or credit score, and may provide information on change of credit rating or credit score. In addition, the screen providing unit 150 may provide statistical information about the credit rating or credit score.

The data input unit 160 receives data input from the customer terminal 10. The data input from the customer terminal 10 may be, for example, at least one of a credit rating or credit rating prediction request, a change value for credit information, and a target credit rating or credit rating information.

The statistical information storage unit 170 stores and statistics customer information. For example, the statistical information storage unit 170 may be managed by the first statistics DB and the second statistics DB. Here, the first statistics DB may store the actual credit information of the customer who requested the credit rating prediction and the change value of the credit information input by the corresponding customer, and may calculate the same. The second statistics DB may store and statistically analyze the customer's credit rating or credit score prediction result, the target credit rating or the target credit score, and the change information after setting the target. Data stored and statistically stored in the statistical information storage unit 170 may be provided on the screen of the customer terminal 10 through the screen providing unit 150 at the request of the customer terminal 10.

3 and 4, the credit information management system 100 receives a credit rating or credit score prediction request through the data input unit 160 (S400). To this end, the client terminal 10 may enter an ID and password into a website operated by the credit information management system 100, and then click the credit rating simulator execution tab. In this case, the credit information management system 100 may receive information on whether to predict the credit rating or the credit score for each credit information item or to predict the credit rating or the credit score by combining various credit information items from the customer terminal 10. Can be. That is, as illustrated in FIG. 5, the credit information management system 100 simulates a credit rating or a credit score for at least one of the card information, the loan information, and the delinquent information, or the card information, the loan information, and the delinquency. It may be input from the customer terminal 10 whether to synthesize the information to simulate the credit rating or credit score.

In this case, the credit information management system 100 may query the customer information storage unit 110 to check whether the corresponding customer has a right to receive a credit rating or credit score prediction service.

Thereafter, the credit information management system 100 searches the credit information storage unit 120 to extract credit information of the corresponding customer (S410), and extracts the credit information extracted through the screen providing unit 150 of the customer terminal 10. Provided on the screen (S420), and requests to enter a change value for credit information (S430). For example, as shown in FIG. 6, the credit information management system 100 may provide a tab for inputting a change value for the delinquency status and the delinquency status of the customer on the screen of the customer terminal 10 through the screen providing unit 150. Can be. Here, the change value for the delinquency status may mean a value that assumes repayment of at least part of at least one of the delinquent accounts of the customer. As another example, as shown in FIG. 7, the credit information management system 100 inputs a change value for the cash service use balance and the cash service use balance of the customer on the screen of the customer terminal 10 through the screen providing unit 150. Tab and a tab for inputting a change value for the amount of the outstanding credit card and the amount of the outstanding credit card used by the customer.

The credit information management system 100 receives the change value for the credit information from the customer terminal 10 through the data input unit 160 (S440), and the prediction unit 130 changes the actual credit information and the credit information. Using the value to simulate the expected credit rating or expected credit score (S450). To this end, the prediction unit 130 may store the actual credit information of the customer and the change value for the credit information received from the customer terminal 10 in the DB. The prediction unit 130 may calculate a current credit rating or credit score using actual credit information, and calculate an expected credit rating or credit score using a change value for the credit information. The prediction unit 130 may derive whether the credit rating or the credit rating is lowered or increased by comparing the current credit rating or the credit rating with the expected credit rating or the expected credit rating. The prediction unit 130 may derive the possibility of changing the credit rating or the credit rating and the expected economic effect due to the change in the credit rating or the credit rating using a predetermined algorithm. The prediction unit 130 may derive an expected credit rating or credit score that varies from period to period.

 The credit information management system 100 provides a credit rating or credit score prediction result on the screen of the customer terminal 10 through the screen providing unit 150 (S460). 8 is an example of a credit rating or credit score prediction result provided on the screen of the customer terminal 10. As shown in FIG. 8, the credit information management system 100 displays a current credit rating or a credit score, an expected credit rating or an expected credit score, whether the credit rating or the credit score falls or rises on the screen of the customer terminal 10, and credit. At least one of the likelihood of a change in rating or credit score, the expected economic impact, and the expected credit rating or expected credit rating, which change over time, may be presented.

Thereafter, the credit information management system 100 receives target credit rating or target credit score information from the customer terminal 10 through the data input unit 160 (S470). The target credit rating or the target credit score is a value set by the customer, but may be an expected credit rating or an expected credit score predicted by the credit information management system 100, but is not limited thereto.

The credit rating management unit 140 of the credit information management system 100 manages whether the customer's credit rating or credit score reaches the target credit rating or the target credit score (S480). That is, the credit information management unit 140 calculates a credit rating or a credit score using the current credit information of the customer, and compares the calculated credit rating or the credit rating with the target credit rating or the target credit rating. As a result of the comparison, when the calculated credit rating or the credit score reaches the target credit rating or the target credit score, it may be notified to the customer terminal 10. Alternatively, the client terminal 10 may be informed of the calculated credit rating or the ratio of the target credit rating or the target credit score to the credit score, that is, the target achievement rate.

The embodiments of the present invention described above are not implemented only by the apparatus and method, but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

Claims (12)

In the credit information management method of the credit information management system,
Receiving a request for use of the credit information management system from a customer terminal;
Querying the credit information of the customer;
Transmitting the inquired credit information to the customer terminal;
Receiving a credit rating or credit score prediction request including a change value for the inquired credit information from the client terminal;
Simulating the expected credit rating or expected credit score of the customer based on the change value, and
Informing the customer terminal of the expected credit rating or the estimated credit score.
Credit information management method comprising a. The method of claim 1,
The credit information is at least one of loan information, card information, and delinquency information. The method of claim 1,
In the step of telling,
Credit information management method for further telling at least one of the customer's current credit rating or credit rating, and whether the credit rating or credit rating rises or falls. The method of claim 1,
Receiving a target credit rating or a target credit score from the client terminal;
Calculating a credit rating or credit score of the customer at a predetermined cycle;
Comparing the calculated credit rating or credit score with the target credit rating or the target credit score, and
Informing the customer terminal of the comparison result
Credit information management method further comprising. 5. The method of claim 4,
And the comparison result includes whether the target credit rating or the target credit score has been reached. 5. The method of claim 4,
The comparison result is a credit information management method is delivered to the customer terminal through at least one of an email, a short message and a push (PUSH) message. A data input unit for receiving a request for predicting a credit rating or a credit score of a customer from a customer terminal and receiving a change value for the credit information of the customer from the customer terminal;
A credit information storage unit for storing credit information including at least one of loan information, card information, and overdue information;
In the case where a request is made to predict the credit rating or the credit score of the customer through the data input unit, the credit information of the customer is inquired from the credit information storage unit, and based on the inquired credit information and the changed value of the credit information. A prediction unit that simulates the customer's expected credit rating or expected credit score, and
The screen providing unit for providing the inquired credit information and the expected credit rating or expected credit score of the customer on the screen of the customer terminal
Credit information management system comprising a. The method of claim 7, wherein
The prediction unit calculates a current credit rating or credit score using the inquired credit information, calculates the expected credit rating or an estimated credit score using a change value for the credit information, and calculates the current credit rating or credit score. And a credit information management system that derives a comparison result between the expected credit rating and the expected credit score. The method of claim 7, wherein
The predicting unit includes a first virtual database storing the inquired credit information and a second virtual database storing a change value for the credit information. The method of claim 7, wherein
Receives and stores the target credit rating or target credit score targeted by the customer from the client terminal, calculates the credit rating or credit score of the customer at a predetermined cycle, and calculates the credit rating or credit score and the target credit rating. Or the Credit Information Management Unit, which compares the target credit score and calculates the goal completion rate.
Credit information management system further comprising. The method of claim 7, wherein
A credit information management system further comprising: a statistical information storage unit for storing and statistically storing credit information related data of at least one customer. The method of claim 11,
The statistical information storage unit is a first statistical DB for storing and statisticing the inquired credit information and the credit information change value and the simulation result of the prediction unit, among the target credit rating or target credit score and target achievement rate targeted by the customer A credit information management system comprising a second statistics DB for storing and statifying at least one.
KR1020110126299A 2011-11-29 2011-11-29 Method and system for managing credit information KR20130065778A (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20180041727A (en) * 2016-03-15 2018-04-24 텐센트 테크놀로지(센젠) 컴퍼니 리미티드 Credit Score Model Training Method, Credit Score Calculation Method, Device and Server
KR20210029111A (en) * 2019-09-05 2021-03-15 고려대학교 산학협력단 Method and apparatus for explaining the reason of the evaluation resulted from credit evaluation models based on machine learning
KR102336462B1 (en) * 2020-10-26 2021-12-07 에프앤유신용정보 주식회사 Apparatus and method of credit rating

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20180041727A (en) * 2016-03-15 2018-04-24 텐센트 테크놀로지(센젠) 컴퍼니 리미티드 Credit Score Model Training Method, Credit Score Calculation Method, Device and Server
US11915311B2 (en) 2016-03-15 2024-02-27 Tencent Technology (Shenzhen) Company Limited User score model training and calculation
KR20210029111A (en) * 2019-09-05 2021-03-15 고려대학교 산학협력단 Method and apparatus for explaining the reason of the evaluation resulted from credit evaluation models based on machine learning
KR102336462B1 (en) * 2020-10-26 2021-12-07 에프앤유신용정보 주식회사 Apparatus and method of credit rating

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