WO2022177220A1 - Dispositif, procédé et programme pour évaluer des informations relatives à des échanges commerciaux et un score de crédit d'un acteur commercial sur la base de détails de vente - Google Patents

Dispositif, procédé et programme pour évaluer des informations relatives à des échanges commerciaux et un score de crédit d'un acteur commercial sur la base de détails de vente Download PDF

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Publication number
WO2022177220A1
WO2022177220A1 PCT/KR2022/001881 KR2022001881W WO2022177220A1 WO 2022177220 A1 WO2022177220 A1 WO 2022177220A1 KR 2022001881 W KR2022001881 W KR 2022001881W WO 2022177220 A1 WO2022177220 A1 WO 2022177220A1
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WIPO (PCT)
Prior art keywords
transaction
related information
credit score
actor
time
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PCT/KR2022/001881
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English (en)
Korean (ko)
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김은미
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김은미
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Publication of WO2022177220A1 publication Critical patent/WO2022177220A1/fr

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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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • 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
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • 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
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0283—Price estimation or determination
    • 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

Definitions

  • the present disclosure evaluates transaction-related information and a credit score of a transaction actor.
  • the method used to solve this problem is to keep a record of fraud damage in a database through a platform such as the 'National police Agency Cyber Security Bureau' or 'The Cheat' and enter a contact number or account number to check whether the seller has a fraudulent transaction history. it will inform
  • the present invention for solving the above problems calculates and stores the transaction credit score for the transaction related information input from the user who wants to check the reliability of the counterparty in the transaction process and the transaction actor connected thereto, and stores it in the database, and the user If you inquire about the counterparty's transaction-related information, you want to provide the relevant transaction-related information and the counterparty's transaction credit score.
  • An apparatus for evaluating transaction-related information and a credit score of a transaction actor based on transaction details is information of a transaction counterparty, transaction goods or services, which are to be inquired in a transaction a communication unit for receiving data including information of and postings; a database in which at least one transaction-related information of the transaction or a transaction credit score calculated for a transaction actor and data received through the communication unit are stored; and providing the transaction related information stored in the database or the transaction credit rating of the transaction actor to the user who inquires the transaction related information or the credit rating of the transaction actor, and includes an inquiry time of the inquiry when the inquiry for the inquiry is detected
  • the process of recording transaction information in the database, and raising the transaction-related information and the transaction credit score of the transaction actor when the accident registration for the inquiry is not received during the period when a preset time has elapsed from the transaction time include
  • the processor is, in the transaction post and transaction related information inquiry window, the name, phone number, messenger ID, account number for depositing the transaction amount, the URL of the post, the transaction goods or services included in the post. At least one of the contents may be encrypted and stored in the database.
  • the processor sets and stores one or more main transaction areas for at least one of the transaction actor and transaction-related information based on the data stored in the database, and a new transaction post for sharing the transaction actor and transaction-related information Alternatively, when the transaction area of the new transaction-related information is not the set main transaction area, the possibility of a risky transaction may be displayed to a user who inquires the new transaction posting or the new transaction-related information.
  • the processor sets and stores one or more main transaction categories for at least one of the transaction actor and transaction related information based on the data stored in the database, and a new transaction post for sharing the transaction actor and transaction related information Alternatively, when the category of the transaction goods or services of the new transaction related information does not correspond to the set main transaction category, the possibility of a risky transaction may be displayed to a user who inquires the new transaction post or the new transaction related information.
  • the processor sets and stores a main selling price range for at least one of the transaction actor and the transaction related information based on the data stored in the database, and a new transaction post for sharing the transaction actor and the transaction related information or If the sale price of the goods or services traded in the new trade-related information does not fall within the set main selling price range, the possibility of risky trade may be indicated to the user who inquires the new trade post or new trade-related information. .
  • the processor is, based on the transaction-related information and the transaction credit score of at least one of the transaction actor, the length of time exceeded from the inquiry time or the transaction time, and the transaction information, the transaction-related information and the transaction of the transaction actor An upward width of the credit score may be calculated, and the transaction credit score of at least one of the transaction related information and the transaction actor may be updated by reflecting the calculated upward width.
  • the processor calculates a transaction quality satisfaction based on the data stored in the database for at least one of the transaction related information and the transaction actor of the transaction platform and stores it in the database, and provides the transaction goods or services.
  • the seller's transaction quality satisfaction may be adjusted upward every time a preset unit time passes from the transaction time.
  • the expected quality values for the transaction goods or services are calculated to give users who inquire the transaction postings. can provide
  • an apparatus for evaluating transaction-related information and a credit score of a transaction actor based on transaction details provides the transaction-related information and the transaction agent to a user who intends to perform a transaction providing a transaction credit score of recording the inquiry information including the inquiry time of the inquiry in the database when the transaction-related information and the credit rating inquiry for the transaction actor are detected; and when an accident registration is not received for a predetermined unit time for the counterparty, increasing the credit score of the transaction one or several times step by step, wherein the computer, the user's inquiry point Receives data including transaction-related information, information on transaction goods or services and services, and content of postings, and receives the at least one transaction-related information, transaction credit score calculated for a transaction actor, and data received through the communication unit is stored in the database.
  • the transaction credit score based on the estimated performance of the transaction is calculated and stored in the database, and when the user makes a transaction with another person, the credit score is inquired based on the transaction related information and the information of the transaction actor This has the effect of allowing the user to trust and transact with the counterparty by providing the transaction related information and the transaction credit score of the transaction actor.
  • 1 is a diagram illustrating that a transaction is made between a user and a transaction actor.
  • FIG. 2 is a diagram illustrating a platform that provides information on whether a history of fraudulent damage exists when a user inputs and inquires a seller's contact information and ID account number, which are transaction related information of a transaction actor.
  • FIG. 3 is a diagram exemplifying the provision of the fraud report reception details of the victim according to the search of FIG. 2 .
  • FIG. 4 is a block diagram of a transaction-based credit score evaluation system according to an embodiment of the present invention.
  • FIG. 5 is a flowchart of a transaction credit score evaluation method according to an embodiment of the present invention.
  • FIG. 6 is a diagram illustrating an example of providing a transaction credit score of inquiry information through a transaction posting of a transaction platform.
  • FIG. 7 is a diagram illustrating an example of upwardly adjusting the inquiry information and the credit evaluation index of the transaction actor when a predetermined time has passed since the time of inquiry of the information.
  • 1 is a diagram illustrating that a transaction is made using the used trading platform, which is the main use of the present invention.
  • FIG. 2 is a diagram illustrating a platform that provides information on whether there is a history of fraud damage by inputting the seller's contact information and account number.
  • FIG. 3 is a diagram exemplifying the provision of the fraud report reception details of the victim according to the search of FIG. 2 .
  • the used trading platform provides a used trading platform service using the web and app, registered users post information about the product they want to sell as a sales post, and buyers use the search function to You will find the product you want to purchase.
  • Such a system can inquire information of sellers with a history of fraudulent transactions.
  • the transaction credit score evaluation system 10 solves the above problems, thereby preventing the occurrence of fraudulent damage as well as allowing the buyer to trade based on the trust in the seller. While creating a transaction ecosystem that can do this, we will explain in detail how to extend and apply the transaction-based credit rating system to other types of transactions.
  • FIG. 4 is a block diagram of a transaction-based credit score evaluation system according to an embodiment of the present invention.
  • FIG. 5 is a flowchart of a transaction-based credit score evaluation method according to an embodiment of the present invention.
  • FIG. 6 is a diagram illustrating the provision of transaction-related information and a transaction credit score of a transaction actor through a transaction posting of a transaction platform.
  • FIG. 7 is a diagram illustrating an example of upwardly adjusting the transaction-related information and the transaction credit score of the transaction actor once or several times when a predetermined time has passed since the purchaser's transaction-related information inquiry date.
  • the transaction credit score evaluation apparatus 100 includes a processor 110 , a communication unit 120 , and a database 130 .
  • the transaction credit score evaluation apparatus 100 may include fewer or more components than the components shown in FIG. 4 .
  • the transaction credit score evaluation apparatus 100 may further include an input/output unit 140 to receive various information and control signals or to output received/generated information.
  • the transaction credit score evaluation apparatus 100 may be implemented by a computer or information processing means, and is preferably implemented as a transaction credit score evaluation server to communicate with the transaction platform 50 .
  • a transaction actor may mean a party selling goods or services
  • a user may mean a party purchasing the goods or services of a transaction actor.
  • transaction actors and users are not limited to individuals, and may include transactions between various objects such as individuals and individuals, individuals and companies, companies and individuals, companies and companies, and the like.
  • the transaction in the embodiment of the present invention can be applied to all tradable objects such as goods or services, and may include forms such as subscription-type purchases in addition to one-time purchases.
  • the transaction related information may include all information related to the transaction.
  • the transaction credit score evaluation apparatus 100 performs the process by including all points where the user inquires the transaction credit score of the target (transaction actor) as well as the transaction platform.
  • the communication unit 120 may inquire about transaction postings in the trading platform 50 and receive various data through wired/wireless communication, and in some embodiments, may also communicate with the user's terminal in the trading platform 50 . have.
  • the processor 110 receives the data including the information of the transaction actor, the information of the transaction goods or services, and the contents of the posting in the transaction posting of the transaction platform 50 through the communication unit 120, and the user provides Receive transaction related information.
  • the processor 110 stores at least one transaction-related information of the transaction platform 50 , a transaction credit score calculated for a transaction actor, and data received through the communication unit 120 in the database 130 .
  • the transaction credit score evaluation apparatus 100 may calculate, record, and manage the transaction credit score for the transaction actor as well as the transaction credit score for the transaction related information.
  • a transaction agent may be selling various goods or services and the transaction agent's transaction credit score may be set to be very high at a certain number, but the transaction credit score may be rather low for the specific transaction-related information that the transaction agent is selling.
  • the transaction credit score evaluation apparatus 100 may provide a corresponding transaction case based on at least one transaction related information related to the transaction case, even if it is impossible to specify a transaction actor through the transaction related information of the specific transaction case. You can evaluate your transaction credit score.
  • the transaction credit score evaluation apparatus 100 separately manages not only the transaction credit score for the transaction actor, but also the transaction credit score for each transaction-related information, the transaction credit score from the user's point of view It has the effect of further increasing the reliability of the score.
  • the processor 110 receives various data (eg, the name of the transaction actor, phone number, messenger ID, account number for depositing the transaction amount, the URL of the posting, and information about the transaction goods or services included in the posting. Contents, pictures of transaction goods or services, etc.) are encrypted and stored in the database 130 .
  • the transaction-related information and the transaction actor without the inquiry history in the transaction platform 50 establish a credit score based on the new information stored in the database 130 and the transaction credit score calculation algorithm of the transaction actor, and 130) can be stored.
  • Such an algorithm may be set to determine a credit score in consideration of various information about the user.
  • the processor 110 provides a transaction credit score of at least one of a transaction actor and transaction-related information stored in the database 130 to a user who inquired a transaction post or transaction-related information.
  • the processor 110 detects an inquiry or transaction for a transaction post or transaction related information, the inquiry time or transaction time is recorded in the database 130 .
  • the processor 110 receives transaction-related information directly from a transaction post of the transaction platform 50 or through a transaction-related information inquiry window, provides transaction-related information and a transaction credit score for a transaction actor, and performs the transaction.
  • the related information may be recorded in the database 130 .
  • the transaction credit score evaluation apparatus 100 may utilize information of a transaction post within the transaction platform 50 as well as information other than the transaction platform 50 , for example, a bank It can also be applied to a user who wants to conclude an input window in the system, an installment contract, or a labor contract to inquire the information of the counterparty (transaction actor).
  • a sale article for a specific shoe is exemplified through the trading platform 50 .
  • a description of the product directly written by the transaction agent such as the transaction agent's name, contact information, messenger ID, account number, etc., and an image uploaded by the transaction agent photographing the sale product are displayed on the screen.
  • the user may receive transaction related information from the transaction actor through a separate path.
  • the device 100 may provide information such as the number of accident registrations of transaction-related information (inquiry information), transaction risk, etc. through a transaction post or transaction-related information inquiry window in the transaction platform 50 as shown in FIG. have.
  • the processor 110 may provide a transaction credit score for at least one of a transaction actor and transaction related information to the user.
  • the processor 110 records transaction-related information including the transaction-related information provided from the user and the inquiry time, the address of the posting where the inquiry occurred, the content of the posting, and the installation point of the inquiry API, in the database 130 .
  • the transaction credit score may be provided numerically, and descriptions such as high risk, neutral, low, etc. may be attached together.
  • the user checks the transaction risk and the transaction credit score of the transaction actor and the transaction-related information, and proceeds the transaction when it is determined that the transaction actor and the transaction-related information can be trusted.
  • a button for requesting transaction risk and transaction credit score is displayed on the screen, and when the button is displayed, the transaction risk level and transaction credit score are made public, or the transaction risk level, Transaction credit scores can also be sent.
  • the implementer of the present invention can easily select it according to the situation.
  • the processor 110 may record the time when the sales completion button is clicked as the transaction time of the transaction.
  • the processor 110 may record the time when the corresponding comment is written as the transaction time of the transaction.
  • the processor 110 may directly receive whether or not the transaction is completed and the transaction completion time from the transaction system and record it as the transaction time of the transaction.
  • the processor 110 can easily select it according to a situation.
  • the processor 110 may step through the transaction-related information and the transaction actor once or several times when a preset unit time exceeds the transaction time. Increase the transaction credit score. (S400)
  • the applicant uses this problem in reverse, and uses the fact that no report (accident) registration has been received for transaction-related information and transaction actors as an indicator to determine the possibility that the transaction has been completed as a correct transaction.
  • the users who inquired the transaction post posted by the transaction actor at that time and inquired the credit score using the transaction related information of the transaction actor A would have been provided with the information that the transaction credit score of the transaction actor A was 75 points.
  • the processor 110 has exceeded the preset unit time (one month), but since the accident registration for the transaction has not been received, the transaction credit score of the transaction agent A from 75 points to 85 points was upgraded to .
  • the processor 110 returns information related to another sale case, and the transaction-related information provided by the transaction agent A and the transaction agent A is inquired again and the transaction completion is not confirmed. Even though the set unit time (3 months) was exceeded again, no accident registration was received for the transaction-related information. Therefore, the transaction credit score for transaction agent A and transaction-related information was raised from 85 points to 87 points.
  • the device 100 exerts the effect of rationally adjusting the transaction credit score of the transaction actor without the transaction actor and the buyer separately inputting a review for the transaction.
  • the update of the transaction credit score is exemplified twice in the embodiment described above, the present invention is not limited thereto and may be performed at least once.
  • the update of the transaction credit score may be performed more than once, and even if the transaction frequency for transaction actors and transaction-related information increases, it can be determined as a positive factor and reflected in the transaction credit score. have.
  • the update cycle of the transaction credit score is exemplified as 1 month and 3 months, it may vary depending on the setting of the administrator, and the term up to the 1st time, the term until the 2nd time, and if the transaction completion is not confirmed The period of may be set differently from each other.
  • the transaction credit score may be updated multiple times as described above.
  • the processor 110 raises the transaction credit score of the transaction actor and the transaction-related information, the transaction credit score of the transaction actor and the transaction-related information, based on the length of time exceeded from the inquiry time and the transaction time, and the transaction information Calculate the width.
  • the processor 110 updates the transaction credit score of the transaction actor or transaction related information by reflecting the calculated upward width.
  • the transaction credit score may increase significantly, and after that, a slightly smaller upward width than the initial upward width may be calculated and reflected. .
  • the processor 110 may determine the upward width according to the type and price of the transaction goods or services.
  • the processor 110 may set a higher upward width.
  • the processor 100 sets and stores one or more main transaction areas for at least one of a transaction actor and transaction related information based on data stored in the database 130 .
  • the processor 110 provides the user inquiring the new transaction posting or the new transaction related information. It can indicate the possibility of risky trading.
  • the processor 110 is the database 130 when the information on the change of residence, work, school is detected through the transaction-related information and the transaction agent information collected through the inquiry process or provided from the transaction actor. ), you can update the main transaction area information of the transaction actor stored in
  • the processor 110 sets and stores one or more main transaction categories for at least one of a transaction actor and transaction related information based on data stored in the database 130 .
  • the processor 110 inquires the post when the category of the new transaction post or new transaction related information newly registered from the transaction agent does not correspond to the main transaction category stored in the database 130 . You can indicate the possibility of risky trading to the user.
  • a message may be provided to a user who inquires the corresponding post that the transaction agent is not a mainly transactional item.
  • the processor 110 may set and store a main selling price range for at least one of a transaction actor and transaction related information based on data stored in the database 130 .
  • the processor 110 is a new transaction posting or new transaction-related information that shares the transaction-related information with the transaction actor, when the sale price of the transaction goods or service does not fall within the set main selling price range, the new transaction posting or new transaction-related information The possibility of a risky transaction can be displayed to the user who inquires the transaction related information.
  • the processor 110 may calculate a transaction quality satisfaction based on at least one transaction related information of the transaction platform and data stored in the database for at least one of the transaction actors, and store it in the database 130 . have.
  • the user newly subscribed to the transaction platform 50 determines the quality satisfaction based on the transaction credit score calculation algorithm of the new subscriber stored in the database 130 , and stores it in the database 130 . can be saved
  • the processor 110 may upwardly adjust the transaction quality satisfaction of the transaction actor whenever a preset unit time passes from the transaction time when a quality issue for the transaction goods or services is not received.
  • second-hand goods are unopened or opened, but have usage history for several months to years starting from unused, or include the number of times of use. so you can check it.
  • the present invention calculates and provides transaction quality satisfaction as well as a transaction credit score, so that a user who inquires a transaction post can confirm the transaction quality satisfaction of the corresponding transaction actor and make a purchase decision.
  • the processor 110 calculates an expected quality value for the transaction goods based on the description of the transaction goods included in the transaction post and the image that the transaction goods are photographed and uploaded, and can be provided to the user inquiring the transaction postings. have.
  • the user can make a purchase decision by referring to the content of the post and the expected quality value as well as the satisfaction of the transaction quality of the corresponding transaction actor.
  • the expected quality value may be calculated based on 100 for the new product.
  • the processor 110 detects words that may affect the quality, such as when the transaction actor purchases, the history of use, the number of times of use, scratches on appearance, etc. An expected quality figure can be calculated.
  • the transaction agent enters information about the goods sold more accurately, and by taking and uploading an image so that the goods sold are clearly identified, there is an effect of managing the satisfaction of the transaction quality.
  • the processor 110 searches the database 130 for the transactional goods of the transaction post, determines whether the transactional goods correspond to consumable goods or non-consumable goods, and the expected quality according to the consumable goods or the non-consumable goods
  • the figures can be calculated differently.
  • the processor 110 determines the quality and value that the transaction goods are reduced once or according to a certain time unit, and uses the transaction goods by referring to the contents of the posting. It is possible to determine the number of times or period of use, and calculate an expected quality value by reflecting this.
  • the processor 110 may calculate as a high expected quality value compared to the consumable goods, since the decrease in quality and value according to the period of use or the number of times of use is small or not compared to the consumable goods.
  • the expected quality value is not reflected in the same way for all traded goods, but the expected quality value is calculated and provided in a customized manner in consideration of the characteristics of each product, so that formal information is not provided. It works.
  • the method according to an embodiment of the present invention described above may be implemented as a program (or application) to be executed in combination with a server, which is hardware, and stored in a medium.
  • the above-described program is C, C++, JAVA, machine language, etc. that a processor (CPU) of the computer can read through a device interface of the computer in order for the computer to read the program and execute the methods implemented as a program
  • It may include code (Code) coded in the computer language of Such code may include functional code related to a function defining functions necessary for executing the methods, etc. can do.
  • the code may further include additional information necessary for the processor of the computer to execute the functions or code related to memory reference for which location (address address) in the internal or external memory of the computer should be referenced. have.
  • the code uses the communication module of the computer to determine how to communicate with any other computer or server remotely. It may further include a communication-related code for whether to communicate and what information or media to transmit and receive during communication.
  • the storage medium is not a medium that stores data for a short moment, such as a register, a cache, a memory, etc., but a medium that stores data semi-permanently and can be read by a device.
  • examples of the storage medium include, but are not limited to, ROM, RAM, CD-ROM, magnetic tape, floppy disk, and optical data storage device. That is, the program may be stored in various recording media on various servers accessible by the computer or in various recording media on the computer of the user.
  • the medium may be distributed in a computer system connected by a network, and computer-readable codes may be stored in a distributed manner.
  • a software module may include random access memory (RAM), read only memory (ROM), erasable programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), flash memory, hard disk, removable disk, CD-ROM, or It may reside in any type of computer-readable recording medium well known in the art to which the present invention pertains.
  • RAM random access memory
  • ROM read only memory
  • EPROM erasable programmable ROM
  • EEPROM electrically erasable programmable ROM
  • flash memory hard disk, removable disk, CD-ROM, or It may reside in any type of computer-readable recording medium well known in the art to which the present invention pertains.

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Abstract

La présente invention concerne un dispositif pour évaluer un score de crédit de vente sur la base de détails de vente, dans lequel, si aucun dommage de fraude n'est reçu après la tenue d'une vente entre un vendeur et un acheteur sur une plateforme de vente ou la visualisation d'informations relatives à une vente d'un acteur commercial, il est déterminé qu'il est possible qu'une vente légitime ait été effectuée, et des informations relatives à la vente correspondantes et un score de crédit de vente de l'acteur commercial sont ajustés à la hausse à des intervalles de temps réguliers, de telle sorte que le score de crédit de vente peut être géré et mis à jour même sans émission d'un avis sur un achat provenant des acheteurs.
PCT/KR2022/001881 2021-02-22 2022-02-08 Dispositif, procédé et programme pour évaluer des informations relatives à des échanges commerciaux et un score de crédit d'un acteur commercial sur la base de détails de vente WO2022177220A1 (fr)

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KR10-2021-0023165 2021-02-22
KR1020210023165A KR102328688B1 (ko) 2021-02-22 2021-02-22 거래 내역을 기반으로 거래 연관 정보 및 거래 행위자의 신용점수를 평가하는 장치, 방법 및 프로그램

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KR102328688B1 (ko) * 2021-02-22 2021-11-17 김은미 거래 내역을 기반으로 거래 연관 정보 및 거래 행위자의 신용점수를 평가하는 장치, 방법 및 프로그램

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