KR20040034063A - Method of credit filtering on line by grouping category of business and/or industry - Google Patents

Abstract

The present invention sets a standard item for determining whether it can be traded according to the type of business at the time of credit transaction, and enables to select and change the filtering target item and the reference value individually to determine a more accurate credit status, thereby enabling the transaction, and credit donation. It is about automatic filtering of Internet or leased line real-time (hereinafter referred to as "online") credit checks by company and industry classification, which not only checks whether there is a bad credit at a time, but also predicts the possibility of future insolvency. The present invention provides a method for determining whether a transaction is possible through credit inquiry during a credit transaction using an online service. Selecting and inputting individually; When requesting a credit transaction, inputting a data value of a queryer for outputting a required item, and outputting required items and selection items of a corresponding company to a main computer; And comparing the input data value of the inquirer with a filtering reference value of each item to determine whether it is possible to trade.

Description

How to automatically filter online credit inquiries by company and sector classification {METHOD OF CREDIT FILTERING ON LINE BY GROUPING CATEGORY OF BUSINESS AND / OR INDUSTRY}

The present invention relates to a method for automatically filtering online credit inquiry, and more specifically, a transaction determination filtration system that primarily determines whether or not a transaction is possible using credit information of a customer during credit transactions such as loan application, card issuance, and installment transaction. The present invention relates to an automatic filtering method for online credit inquiry based on the classification of companies and industries, which not only checks whether there is a bad credit, but also predicts future insolvency.

With the recent increase in the number of card issuance and loan applications through online services, the credit inquiry service is taking too much time. That is, in the related art, after receiving a card issuance and loan application through an online service, an individual credit inquiry is performed on an offline basis to determine whether to issue or loan a card.

However, in the conventional method of determining whether the credit is possible, even though the criteria for determining the credit are possible by judging the subjective judgment of the examiner, the criterion is unclear and the items to be judged necessary or selectively by company and industry are different. And it is impossible to determine the exact credit status by collectively determining whether there is a bad, there is a problem that the time and cost required for the examination is excessively wasted, and the possibility of insolvency in the future cannot be predicted.

Accordingly, the present invention is to solve the above-mentioned conventional problems, and to set the criteria items for determining whether or not to be traded according to the type of business in the credit transaction, and to select and change the filtering target items and the reference values separately. The purpose of this paper is to provide an automatic filtering method for online credit checks by company and industry classification, which enables users to conduct transactions by judging the exact credit status and to predict the possibility of future insolvency as well as to simply check whether there is a bad credit. have.

1 is a control flowchart of the online credit query automatic filtering method according to the classification by company and industry according to the present invention.

2 is a control flow diagram illustrating an embodiment of the present invention.

3 to 7 are diagrams showing the items and the filtering reference value setting screen of the present invention.

8 is a view showing the final result screen of the present invention.

In order to achieve the above object, the automatic filtering method of online credit inquiry according to the classification by company and industry according to the present invention is a method of determining whether or not it is possible to trade through credit inquiry during credit transaction using the online service, Setting a reference item for determining whether a transaction is possible, and separately selecting and inputting a filtering target item and a reference value; When requesting a credit transaction, inputting a data value of a queryer for outputting a required item, and outputting required items and selection items of a corresponding company to a main computer; And comparing the input data value of the inquirer with a filtering reference value of each item to determine whether it is possible to trade.

In addition, the reference items are subdivided into mandatory input items and optional input items according to the characteristics of the classified industry, and each item has a predetermined range of filtering reference values.

In addition, the filtering target item and the reference value for determining whether or not to be selected and entered in accordance with the type of business can be changed from time to time.

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

1 is a control flowchart of an online credit query automatic filtering method according to a classification according to the present invention, and FIG. 2 is a control flowchart illustrating an embodiment of the present invention.

According to the present invention, a general computer system, such as an ordinary server and an applicant's terminal, for determining whether a transaction is possible through a credit inquiry during an online transaction is constructed. Short-term delinquent information DB, which stores information such as the number of overdue times and the period of delinquency, identification information DB that stores resident registration number (corporate registration number), business registration number, name, company type, major financial items, company disclosure, closure of business Corporate information DB that stores status, legal information, litigation pending information, credit transaction establishment security DB that stores the number of credit card openings, department store card openings, loans / guarantees, loans / guarantees, etc. A defect information DB for storing a warranty information DB, a number of defective registrations, a release number, a bad amount of money, and the like is provided.

As shown in FIG. 1, the present invention relates to a method of determining whether a transaction is possible through credit inquiry during a credit transaction using an online service. Steps S100 to S110 may be set to individually select and input filtering target items and reference values.

Here, the present invention is managed by subdividing the inquiry data into more than 100 industries, and the code table shown in Table 1 below shows an example of the industries classified into large categories.

code Sectors One Bank 2 Credit union 3 Mutual Savings Bank 4 Credit card 5 Installment Finance / Capital 6 Lending 7 Loan Brokerage 8 insurance 9 Credit information (bond collection) 10 Department store 11 Other financial institutions 12 Other non-financial institutions

The reason for classifying the business types is that each business type has different credit evaluation criteria, that is, important items. Therefore, the items are set according to the characteristics of each business type, but are divided into required and optional input items. Set the filtering criteria of the range.

Such items are separately stored in the short-term delinquent information DB, identification information DB, company information DB, credit transaction setting guarantee DB, loan / guarantee information DB, and bad information DB included in the server, and when necessary, in real time. Withdrawn.

3 to 7 are diagrams illustrating a user input screen according to the present invention, wherein items according to industries and companies and filtering criteria values to be input to each item are shown, among which items required for each company or industry are selected, and each item Enter the reference value of.

In addition, the filtering target item and the reference value for determining whether or not to be selected and entered in accordance with the corporate examination desire can be changed from time to time from the corresponding company, it is possible to immediately cope with the change in the determination criteria.

Then, when requesting credit transactions, such as opening a card, loan application, enter the resident number, corporate registration number or business registration number of the query in the server, the server classifies the industry as shown in Table 1 above, According to the reference item (mandatory item and optional item) according to the step of inputting the data value of the query (S120 ~ S140) is performed. Sometimes, the industry classification step (S130) may be omitted according to the review needs of the company.

The server performs the step (S150 ~ S170) of determining whether or not the credit transaction is possible by comparing the input data value of the inquirer with the filtering reference value of each item.

For example, as shown in FIG. 8, when a specific person's social security number or business registration number is input to issue a card, the credit person's credit inquiry is performed according to the mandatory and optional items of the corresponding company and industry and the reference value of each item. It is determined whether or not the transaction is possible, as shown in the decision to approve or reject.

In this way, if it is determined that the credit transaction is possible, the approval may be performed immediately by the following process, or may be notified through approval of the headquarters.

Although the preferred embodiments of the present invention have been illustrated and described above, the present invention is not limited to the above-described embodiments, and the present invention is not limited to the above-described embodiments without departing from the spirit of the present invention as claimed in the claims. Various modifications can be made by those skilled in the art, and such modifications are intended to fall within the scope of the appended claims.

As described above, according to the method for automatically filtering online credit inquiries according to the classification according to the company and the industry according to the present invention, it is possible to set the criteria items for determining whether they can be traded according to the industry at the time of credit transaction, and separately filter the target items and the reference values. By making it possible to select and change the transaction, it is possible to determine the more accurate credit status and to make a transaction.

Claims (3)

In the method of determining whether it is possible to trade through credit inquiry in the credit transaction using the online service, Setting reference items for determining whether they can be traded according to a business type, and individually selecting and inputting filtering target items and reference values (S100 to S110); When requesting a credit transaction, inputting a data value of a query for outputting a required item, and outputting a required item and a selected item of a corresponding company to the main computer (S120 to S140); And Comparing the data value of the input query with the filtering reference value of each item to determine whether or not trading (S150 ~ S170) characterized in that the online credit query automatic filtering method according to the classification by company and industry. The method of claim 1, wherein the reference item The online credit query automatic filtering method according to the classification according to the company and industry, characterized in that it is divided into the required input items and optional input items according to the characteristics of the classified industry, and each item has a certain range of filtering criteria. The method of claim 1, wherein the filtering target item and the reference value for determining whether or not to be inputted and selected according to the type of business can be changed from a corresponding company at any time. .