KR102079176B1 - Receivables managing apparatus and method for applying sanctions on default - Google Patents

Abstract

One embodiment described herein relates to a bond management device and a default method for sanctioning a debt, and more specifically, defaults on performing a sanction on a defaulted bond based on credit information of a creditor managed by the bond management device. The present invention relates to an apparatus for managing bonds that performs sanctions and defaults. As a technical means for achieving the technical problem, according to the first aspect is disclosed a default method for sanctions performed by the debt management apparatus. In this case, the default method for performing a debt sanction is performed by the debt management apparatus, collecting debt information of a member creditor, searching for defaulted credits based on the credit information, generating a defaulted credit list, and checking the defaulted credit list. Providing to the member creditors, receiving the sanctioned bonds from the member creditors, and performing a default for sanctions sanctions.

Description

Receivables management and default sanctions sanctions {RECEIVABLES MANAGING APPARATUS AND METHOD FOR APPLYING SANCTIONS ON DEFAULT}

One embodiment described in the present specification relates to a debt management apparatus and a default method for sanctioning a debt, and more specifically, a default method for performing a sanction on debt default by collecting information related to a debtor applying for default. And it relates to a bond management device for performing this.

Enterprise Resource Planning (ERP) solutions for the company's management and management tasks, as it handles the large amounts of data required for the management and management of the company, such as in-house production, logistics, financial accounting, sales, purchasing, and inventory The number of companies using the system is increasing.

This ERP solution system shares the information generated in the enterprise, supports the creation of new information and quick decision making. Existing ERP system provides the function to generate documents by processing various documentary evidence such as receipts and tax invoices.

In this regard, Korean Patent Laid-Open Publication No. 10-2007-0071945 relates to an "internal transaction accounting processing system based on an online network," which receives and processes a series of internal transaction journal information from each unit. The technology is described.

However, the existing technology is only processing and managing accounting information, and lacking in widespread use of accounting information, such as recovering unpaid receivables.

On the other hand, the above-described background art is the technical information that the inventors possessed for deriving the embodiments described in the present specification or acquired in the derivation of the embodiments, and may be referred to as publicly known technologies disclosed to the general public before the application of the present invention. There is no.

One embodiment described herein is aimed at imposing certain sanctions on the debtor of a defaulted bond based on the creditor's bond information.

In addition, the embodiment aims at facilitating the recovery of the bond by imposing a certain sanction on the debtor of the defaulted bond.

In addition, the embodiment collects the information related to the bond, generates a related document for defaulting sanctions, and transmits to the relevant institutions as necessary, so that creditors can easily and quickly apply for defaults. The purpose is to make it work.

In addition, the embodiment aims to reduce the documents that the creditor must fill out directly to improve the accuracy of the documents, and to minimize the rejection of the application for non-payment sanctions in the review.

In addition, the embodiment is aimed at improving the accuracy and promptness in the examination of defaults.

In addition, the embodiment has an object to prevent the denial of the applicant for applying for defaults and prevent counterfeiting by a third party.

That is, the embodiment is intended to reduce the cost and shorten the period in performing sanctions on the debtor who defaulted on the debt.

As a technical means for achieving the above-described technical problem, according to the first aspect is disclosed a default method for sanctions performed by the bond management device. In this case, the default method for performing a debt sanction is performed by the debt management apparatus, collecting debt information of a member creditor, searching for defaulted credits based on the credit information, generating a defaulted credit list, and checking the defaulted credit list. Providing to the member creditors, receiving the sanctioned bonds from the member creditors, and performing a default for sanctions sanctions.

According to a second aspect, there is also disclosed a computer readable recording medium having recorded thereon a program for performing a defaulting sanction method. In this case, the default method for performing a debt sanction is performed by the debt management apparatus, collecting debt information of a member creditor, searching for defaulted credits based on the credit information, generating a defaulted credit list, and checking the defaulted credit list. Providing to the member creditors, receiving the sanctioned bonds from the member creditors, and performing a default for sanctions sanctions.

According to a third aspect, there is also disclosed a computer program carried out by a bond management apparatus and stored in a medium for performing a default method of sanction. In this case, the default method for performing a debt sanction is performed by the debt management apparatus, collecting debt information of a member creditor, searching for defaulted credits based on the credit information, generating a defaulted credit list, and checking the defaulted credit list. Providing to the member creditors, receiving the sanctioned bonds from the member creditors, and performing a default for sanctions sanctions.

In addition, according to the fourth aspect, a bond management device is disclosed. In this case, the bond management device searches for the defaulted bonds based on the storage unit storing the bond information of the member creditors and the bond information, generates a list of defaulted bonds and provides them to the member creditors, the sanctions selected by the member creditors It may include a control unit for performing default for sanctions on the bond.

According to any one of the above-described problem solving means, one embodiment described herein can take certain sanctions against the defaulting debtor of the debtor based on the creditor's credit information.

In addition, the embodiment may facilitate the recovery of the bond by imposing certain sanctions on the debtor of the defaulted bond.

In addition, the embodiment collects the information related to the bond, generates a related document for defaulting sanctions, and transmits to the relevant authorities as necessary, so that creditors can easily and quickly apply for defaults. Can be processed.

In addition, the embodiment can reduce the documents that creditors must fill out directly, thereby improving the accuracy of the documents, and can minimize the application of the default for sanctions.

In addition, the embodiment can improve the accuracy and promptness in the examination of defaults.

In addition, the embodiment can prevent the denial of the applicant for defaulting sanction and prevent counterfeiting by a third party.

That is, the embodiment can reduce the cost and shorten the time period in performing sanctions on the debtor who defaulted.

Effects obtained in the embodiments described herein are not limited to the effects mentioned above, and other effects not mentioned are those skilled in the art to which the embodiments described herein belong from the following description. Will be clearly understood.

1 is a block diagram illustrating a network including a bond management device according to an embodiment.
2 is a block diagram illustrating each component of a bond management device according to an embodiment.
3 to 5 are flowcharts illustrating a default method for sanctioning default according to one embodiment.

Hereinafter, with reference to the accompanying drawings will be described in detail to be easily carried out by those skilled in the art to which the embodiments described herein belong. However, the embodiments described herein may 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 embodiments described herein, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, it includes not only "directly connected" but also "electrically connected" with another element in between. . In addition, when a part is said to "include" a certain component, this means that it may further include other components, except to exclude other components unless otherwise stated.

Hereinafter, exemplary embodiments will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a network including a debt management apparatus 100 according to an exemplary embodiment.

Bond management apparatus 100 according to the embodiment is a device for processing a variety of information for managing the creditor's bonds, for example, the management of the company, such as in-house production, logistics, financial accounting, sales, purchasing, and inventory In addition, it can handle a large number of data required for management to perform enterprise-wide resource management for the management and management of the enterprise, or to receive necessary information from the accounting management device that performs enterprise-wide resource management. According to the embodiment, the bond management device 100 may communicate with each component via the network N.

In this case, the network N may include a local area network (LAN), a wide area network (WAN), a value added network (VAN), a personal local area network (PAN), and a mobile communication network. It can be implemented in all kinds of wired / wireless networks such as mobile radio communication network (Wibro), wireless broadband Internet (Wibro), mobile WiMAX, high speed downlink packet access (HSDPA), or satellite communication network.

In addition, the bond management device 100 according to the embodiment may communicate with the creditor terminal (200). In this case, the creditor terminal 200 may be implemented as an electronic terminal that may include an interface capable of interacting with the creditor.

In addition, the bond management device 100 according to the embodiment may communicate with the credit rating server 300. At this time, the credit rating server 300 is a device that evaluates the credit in the economic field of the individual or corporation, and provides the evaluated credit information through the credit information network, it can be operated by a credit rating agency.

In addition, the bond management device 100 according to the embodiment may communicate with the financial server 400. In this case, the financial server 400 is a server operated by a financial institution such as a bank, and may store financial transaction information such as deposit and withdrawal details of an account of a creditor.

Meanwhile, the bond management device 100 according to an embodiment may be implemented as an electronic terminal in which an application is installed or as a server or a server-client system. When the bond management device 100 is implemented as a server-client system, the bond management device 100 may include an electronic terminal provided with a client for interacting with the manager of the bond management device 100.

The electronic terminal as described above may be implemented as a computer, a portable terminal, a television, a wearable device, or the like. Here, the computer includes, for example, a laptop, desktop, laptop, etc., which is equipped with a web browser, and the portable terminal is, for example, a wireless communication device that ensures portability and mobility. , Personal Communication System (PCS), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Global System for Mobile communications (GSM), International Mobile Telecommunication (IMT) -2000, Code Division Multiple Access (2000), all types of handhelds such as W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet (Wibro), Smart Phones, and Mobile Worldwide Interoperability for Microwave Access (WiMAX). It may include a (Handheld) based wireless communication device. In addition, the television may include IPTV (Internet Protocol Television), Internet TV (Internet Television), terrestrial TV, cable TV, and the like. Further, the wearable device is, for example, an information processing device of a type that can be worn directly on a human body such as a watch, glasses, accessories, clothes, shoes, etc., and is connected to a remote server or another terminal via a network directly or through another information processing device. It can be connected with.

When the bond management device 100 is implemented as a server, the server may be implemented as a computing device capable of communicating through a network with an electronic terminal on which a client for interaction with the manager of the bond management device 100 is installed. A storage device for storing data may be included or data may be stored through a third server.

Hereinafter, each component of the bond management device 100 will be described in detail with reference to FIG. 2, which is a block diagram showing each component of the bond management device 100.

As described above, the bond management device 100 may be implemented in any form of a server-client system or a server, and may include a storage unit 110, a communication unit 120, and a controller 130.

First, the storage unit 110 may store various types of data for debt management and default sanctions, such as an application for performing debt management and default sanctions, and data for managing the debt management apparatus 100.

According to an embodiment, the storage unit 110 may store bond information corresponding to the member creditor.

In this case, the "member creditor" refers to a creditor who is a member who is provided with a defaulting sanction service performed by the debt management apparatus 100.

In addition, 'bond information' refers to information about the occurrence and destruction of bonds. According to the embodiment, the bond information may include 'bond generation information' which is information on the generation of the bond and 'bond repayment information' which is information on the repayment of the bond.

In this case, the bond generation information may include information on the customer, the amount, the scheduled date of implementation, the transaction details, and the account subject. In addition, the bond reimbursement information may include deposit details, including the depositor, the amount of money. At this time, the customer refers to a counterpart in a commerce or financial transaction. According to the embodiment, since the account holder of the member creditor is the debtor, the account information included in the bond generation information refers to the debtor information.

According to an embodiment, the bond information may be collected through the financial server 400. For example, deposit details information included in the debt repayment information may be received from the financial server 400.

In addition, the storage unit 110 may store a bond debt document, such as account book ledger, tax invoice, contract for credit management, creditor business registration certificate, creditor ID card.

Meanwhile, the communication unit 120 may perform wired or wireless communication with another device or a network. For example, the electronic terminal, credit rating server 300 and the like used by the member creditors can communicate. To this end, the communication unit 120 may include a communication module supporting at least one of various wired and wireless communication methods. For example, the communication module may be implemented in the form of a chipset.

Meanwhile, the controller 130 controls the overall operation of the bond management device 100 and may include a processor such as a CPU. According to an embodiment, the controller 130 may manage the bonds of the member creditors.

For example, the controller 130 may generate bond information to control the storage 110 to store or process bond information stored in the storage 110.

According to an embodiment, the controller 130 may scrape financial transaction information such as deposit details from the financial server 400. In addition, the controller 130 may compare the financial transaction information with the bond generation information and search for the financial transaction information matching the bond generation information, and generate bond reimbursement information based on the financial transaction information matching the bond generation information. For example, when the same amount is deposited from the same customer as the customer and the amount included in the bond generation information, bond reimbursement information corresponding to the bond generation information may be generated.

In addition, according to an embodiment, the controller 130 may search for the defaulted bond based on the bond information. For example, the default information may be extracted by matching the bond generation information and the debt repayment information. In other words, in the case of bond generation information for which no matching bond repayment information exists, it is determined that the bond is defaulted, and a list of default bonds may be generated. The creation of such default bond lists may be made at the discretion of the member creditor.

In addition, the controller 130 may provide a list of default bonds to the member creditors, and may receive a selection from the member creditors to apply sanctions from the default bonds. In addition, the controller 130 may apply for sanction for the selected bond from the member creditor. In this case, the bond selected by the member creditor to be sanctioned is called a "sanctioned bond".

On the other hand, the control unit 130 may request the signature of the public certificate when receiving the sanction from the member creditors. In addition, the controller 130 may check the business number of the member creditors applying for sanctions by the signature of the official certificate and the business number on the official certificate. By attaching the signature of the accredited certificate, the applicant can be prevented from being rejected and counterfeited by a third party.

According to an embodiment, the controller 130 may receive at least one of the sanctions schemes for sanctions from the member creditors. According to an embodiment, the sanction scheme may include default notice of default and registration of default.

In this case, "debt default registration" means that the debtor defaults on the credit information network. At this time, the defaulted debtor may receive disadvantages in financial institution transactions and inter-business transactions.

In addition, 'advance notice of default' means a notice of default registration for a debtor before a period of default for registration of default, and it is possible to obtain the effect of encouraging the debtor to repay debt before default.

In addition, the controller 130 may perform default on sanctions for sanctioned bonds. In this case, the controller 130 may perform the default due to the sanctions selected by the member creditors.

For example, the controller 130 may perform advance notice of default. In addition, the controller 130 may perform default notice of default and after the predetermined period elapses, may perform default or register the default to the credit rating server 300.

According to an embodiment, the controller 130 may determine whether the sanctions are repaid by periodically collecting debt repayment information after performing advance notice of default. For example, if the sanctioned debt is repaid before the predetermined period has elapsed after the prior notice of default, the controller 130 does not perform the default registration, and if the sanctioned debt has not been paid and the predetermined period has passed, Default registration can be performed.

In addition, the controller 130 may request the credit rating server 300 to perform default on sanctions as a result of default on sanctions. In this case, the controller 130 may control to transmit information on the sanction method selected by the member creditor.

For example, the controller 130 may request the credit rating server 300 to notify in advance of the default on the sanctioned bond. In addition, the controller 130 may request the credit rating server 300 to register the default of a sanctioned bond or request the credit rating server 300 to notify the default of the default and the default of registration.

In addition, according to the embodiment, as described above, the controller 130 may request the credit rating server 300 to register the default of a sanctioned bond when a predetermined period has elapsed after the prior notice of default.

In addition, the controller 130 may request the credit evaluation server 300 to default the sanction, but may control to transmit the information on the sanctions to the credit rating server 300.

At this time, the information on the sanctioned bonds, which are based on the bond information corresponding to the sanctioned bonds, may include member creditor information, debtor information of the sanctioned bonds, date of implementation date and related documents.

In this case, the relevant documents may include a debtor's document, such as a general ledger, a tax invoice, and a contract, a creditor's business registration certificate, and a creditor's ID card. In addition, related documents may be previously stored in the storage unit 110 or received from the creditor terminal 200.

Meanwhile, the controller 130 may periodically collect debt repayment information for the sanctioned bond. In this case, when the debt reimbursement information for the sanctioned bond is collected and the sanctioned bond is determined to be repaid, the controller 130 may control the withdrawal of the request for non-compliance sanction to the credit rating server 300.

On the other hand, the credit rating server 300 may receive the request for defaulting sanctions and the information on the payment of the sanctions from the bond management device 100, and may review the default registration requirements of the sanctions.

For example, the credit rating server 300 may determine whether or not the authenticity of bond debt documents, such as account book, tax invoice, contract.

In addition, the credit rating server 300 may perform sanctions on the sanctions bond, if the sanctions bond satisfies the default condition, the sanctions may be made according to the sanctions selected by the member creditors.

For example, when the member creditor is selected to notify the default of default, the credit rating server 300 may notify the defaulter of the default of registration.

The credit rating server 300 may perform default registration after a predetermined period of time after the prior notification of default registration. That is, the debtor's default can be posted.

On the other hand, if the member defaults to the default registration, the default can be registered if the default date has passed.

In addition, the credit rating server 300 may receive the withdrawal of the sanction request from the bond management device (100). In this case, the credit rating server 300 may not perform sanctions on sanctions.

On the other hand, Figures 3 to 5 is a flow chart for explaining an embodiment of the default method of sanctions performed by the debt management server. The default method for sanctioning a debt according to the embodiment shown in FIGS. 3 to 5 includes steps that are processed in time series in the debt management apparatus 100 shown in FIG. 2. Therefore, even if omitted below, the above description of the debt management apparatus 100 shown in FIG. 2 may be applied to the default method for sanctioning debt according to the embodiments shown in FIGS. 3 to 5.

First, the bond management device 100 may collect the bond information of the member creditor (S31). In this case, the bond information may include bond generation information and bond repayment information corresponding to the member creditors.

In addition, the bond management device 100 may search for the defaulted bonds based on the bond information, and generate a defaulted bond list (S32). For example, a list of default bonds can be created by extracting the bond information for a bond that has not been repaid and has exceeded its due date for debt.

And the bond management device 100 may provide a list of default bonds to the member creditors, and receive the sanctioned bonds from the member creditors (S33). At this time, the bond management device 100 may be selected by the member creditors sanctions.

In addition, the bond management device 100 may perform default on the sanctioned bond (S34).

For example, the bond management device 100 may perform a default notice of default on a sanctioned bond.

In addition, according to an embodiment, the bond management device 100 may determine whether the sanctioned bond is repaid by collecting debt repayment information after performing advance notice of default. If the sanctioned bond is not reimbursed and a predetermined period has elapsed after performing the default notice of default, the bond management device 100 may perform default registration.

On the other hand, referring to Figure 4, the bond management device 100 may perform a default for sanctions sanctions (S34), may request the default assessment server 300 for the default sanctions sanctions (S41).

In this case, the bond management device 100 may transmit information on the sanctioned bond to the credit rating server 300. As the information on the sanctioned bond, the bond management device 100 receives at least one of the member creditor information, the debtor information of the sanctioned bond, the expected date of implementation and related documents based on the bond information corresponding to the sanctioned bond. ) Can be sent.

In this case, referring to FIG. 5, the bond management device 100 may collect the debt repayment information after requesting the credit evaluation server 300 for the default on the debt default (S51).

In addition, the bond management device 100 determines whether the sanctioned bond is repaid based on the collected debt reimbursement information (S52). If the sanctioned bond is repaid, the credit management server 300 withdraws the request for the default of the sanction. Can be transmitted (S53).

On the other hand, the bond management device 100 may collect the debt repayment information again, if the sanctioned bonds have not been repaid. At this time, the collection of repayment information (S51) may be performed periodically.

The term '~' used in the above embodiments refers to software or a hardware component such as a field programmable gate array (FPGA) or an ASIC, and '~' plays a role. However, '~' is not meant to be limited to software or hardware. May be configured to reside in an addressable storage medium or may be configured to play one or more processors. Thus, as an example, '~' means components such as software components, object-oriented software components, class components, and task components, and processes, functions, properties, procedures, and the like. Subroutines, segments of program patent code, drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays, and variables.

Functions provided within components and 'parts' may be combined into smaller numbers of components and 'parts' or separated from additional components and 'parts'.

In addition, the components and '~' may be implemented to play one or more CPUs in the device or secure multimedia card.

3 to 5 may also be implemented in the form of a computer-readable medium for storing instructions and data executable by a computer. In this case, the command and data may be stored in the form of program code, and when executed by the processor, a predetermined program module may be generated to perform a predetermined operation. In addition, computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer readable medium may be a computer recording medium, which is volatile and non-implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. It can include both volatile, removable and non-removable media. For example, the computer recording medium may be a magnetic storage medium such as HDD and SSD, an optical recording medium such as CD, DVD, Blu-ray Disc, or the like, or a memory included in a server accessible through a network.

Also, the default method for sanctioning debt according to the embodiments described with reference to FIGS. 3 to 5 may be implemented as a computer program (or a computer program product) including instructions executable by a computer. The computer program includes programmable machine instructions processed by the processor and may be implemented in a high-level programming language, an object-oriented programming language, an assembly language, or a machine language. . Computer programs may also be recorded on tangible computer readable media (eg, memory, hard disks, magnetic / optical media or solid-state drives, etc.).

Accordingly, the default method for sanctioning debt according to the embodiments described with reference to FIGS. 3 to 5 may be implemented by executing the computer program as described above by the computing device. The computing device may include at least a portion of a processor, a memory, a storage device, a high speed interface connected to the memory and a high speed expansion port, and a low speed interface connected to the low speed bus and the storage device. Each of these components are connected to each other using a variety of buses and may be mounted on a common motherboard or otherwise mounted in a suitable manner.

Here, the processor may process instructions within the computing device, such as to display graphical information for providing a graphical user interface (GUI) on an external input, output device, such as a display connected to a high speed interface. Instructions stored in memory or storage. In other embodiments, multiple processors and / or multiple buses may be used with appropriately multiple memories and memory types. The processor may also be implemented as a chipset consisting of chips comprising a plurality of independent analog and / or digital processors.

The memory also stores information within the computing device. In one example, the memory may consist of a volatile memory unit or a collection thereof. As another example, the memory may consist of a nonvolatile memory unit or a collection thereof. The memory may also be other forms of computer readable media, such as, for example, magnetic or optical disks.

The storage device can provide a large amount of storage space to the computing device. The storage device may be a computer readable medium or a configuration including such a medium, and may include, for example, devices or other configurations within a storage area network (SAN), a floppy disk device, a hard disk device, an optical disk device, Or a tape device, flash memory, or similar other semiconductor memory device or device array.

The above-described embodiments are for illustrative purposes, and those skilled in the art to which the above-described embodiments belong may easily change to other specific forms without changing the technical spirit or essential features of the above-described embodiments. I can understand. Therefore, it is to be understood that the above-described embodiments are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope to be protected by the present specification is represented by the following claims rather than the above description, and should be construed to include all changes or modifications derived from the meaning and scope of the claims and their equivalents. .

100: bond management device 200: creditor terminal
300: credit rating server 400: financial server
110: storage unit 120: communication unit
130: control unit

Claims (17)

In the debt default sanction method performed by the bond management device,
Scraping financial transaction information from the financial server to collect bond information of the member creditors;
Retrieving defaulted bonds based on the bond information and generating a defaulted bond list;
Providing the default bond list to the member creditor and receiving a sanctioned bond from the member creditor; And
Performing a default on the sanctioned bond;
The step of receiving the sanctioned bond,
Requesting the signature of the accredited certificate in order to apply for sanctions from the member creditors, and mutually checking the business number of the member creditors applying for the sanction by the signature of the accredited certificate and the business number on the accredited certificate;
The step of performing the default on sanctions,
Requesting the default for sanctions to a credit rating server that provides credit information operated and evaluated by a credit rating agency through a credit information network, and transmits information on the sanctioned bonds to the credit rating server;
Transmitting the information on the sanctions bonds to the credit rating server,
Transmitting at least one of the member creditor information, the debtor information of the sanctioned bond, the expected date of implementation, and related documents to the credit rating server based on the bond information corresponding to the sanctioned bond,
The step of receiving a sanctioned bond from the member creditors,
Further comprising the step of receiving at least one of the sanctions from the member creditors,
The sanction method,
And defaulting on the default of posting the debtor's default on the credit information network. The method of claim 1,
Collecting the bond information of the member creditors,
And collecting bond information including bond generation information and bond repayment information corresponding to the member creditors. The method of claim 2,
Generating the default bond list,
Extracting defaulted bond information by matching the bond generation information and the bond reimbursement information included in the bond information, and generating a defaulted bond list based on the defaulted bond information. delete delete delete The method of claim 1,
If the debt repayment information corresponding to the sanctioned bond is collected, sending the withdrawal of the request for defaulted sanctions to the credit rating server, defaulting sanctions sanction method. The method of claim 1,
The sanction method,
And defaulting on the default, which foresees the defaulting registration to the debtor prior to a predetermined period before the default is made. A computer-readable recording medium having recorded thereon a program for performing the method of claim 1. A computer program executed by a bond management apparatus and stored in a recording medium for performing the defaulting sanction method of claim 1. A storage unit for storing the credit information of the member creditors obtained by scraping the financial transaction information from the financial server; And
A controller for searching for defaulted bonds based on the bond information, generating a list of defaulted bonds and providing them to the member creditors, and performing defaulted sanctions on the sanctioned bonds selected by the member creditors;
The control unit,
In order to apply for sanctions from the member creditors, the signature of the accredited certificate is requested.
The control unit,
Requesting the default for sanctions to a credit rating server that provides credit information operated and evaluated by a credit rating agency through a credit information network, and transmits information on the sanctioned bonds to the credit rating server, corresponding to the sanctioned bonds. Transmitting at least one of the member creditor information, the debtor information of the sanctioned bond, the expected date of implementation and related documents to the credit rating server based on the bond information;
The sanctioned bond is selected from the member creditors, and the sanctioned method for the sanctioned bonds selected from the member creditors is selected.
The sanction method,
And a default registration for displaying a default of a debtor in the credit information network. The method of claim 11,
Bond information of the member creditors,
Bond management apparatus including bond generation information and bond repayment information corresponding to the member creditors. The method of claim 12,
The control unit,
Bond management that generates a list of default bonds, extracts defaulted bond information by matching the bond generation information and the bond repayment information included in the bond information, and generates a default bond list based on the defaulted bond information Device. delete delete The method of claim 11,
The control unit,
And when the debt reimbursement information corresponding to the sanctioned bond is collected, sending the withdrawal of the request for the default of the sanction to the credit rating server. The method of claim 11,
The sanction method,
And a default notice of default, which advances the default of registration of a default to a debtor before a predetermined period of time of performing the default.

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