Iot-based alternative credit evaluation method and iot-based alternative credit evaluation system

Abstract

Disclosed is an IoT-based alternative credit evaluation method. The IoT-based alternative credit evaluation method comprises the steps of: collecting a plurality of pieces of factory facility data through IoT sensors attached to a plurality of factory facilities provided in a factory; calculating operation rate data on the basis of the plurality of pieces of collected factory facility data; and determining a company credit evaluation grade on the basis of the operation rate data. Accordingly, in addition to financial information regarding a company, physical data related to factory facilities may be used to determine a company credit evaluation grade so as to increase the accuracy of the evaluation grade.

Description

IoT-based alternative credit rating method and IoT-based alternative credit rating system

[0001] The present invention relates to an IoT-based alternative credit rating method and an IoT-based alternative credit rating system, and more particularly, to an IoT-based alternative credit rating method and an IoT-based alternative credit rating system that determine credit ratings based on utilization rate data.

[0002] Credit rating information can refer to information that evaluates the creditworthiness of a counterparty in commercial transactions such as financial transactions. Financial institutions utilize the borrower's credit rating information in the process of providing credit-based credit services (e.g., loans, credit card issuance, etc.) to evaluate the possibility of damage that may occur due to the company's insolvency, and can use this to determine whether to approve a loan, the limit interest rate, etc.

[0003] In the case of existing models that generate credit rating information, credit rating information was generated primarily using financial data. However, in the case of companies where financial data is absent or insignificant, there may be a problem of low reliability of credit rating information.

[0004] Accordingly, the need to improve the reliability of credit rating information by predicting credit risk using data other than corporate financial data has increased.

[0005] The purpose of the present invention is to provide an IoT-based alternative credit rating method and an IoT-based alternative credit rating system that determine credit ratings based on utilization rate data.

[0006] An IoT-based alternative credit rating method according to one embodiment of the present invention for achieving this purpose includes a step of collecting a plurality of factory facility data through IoT sensors attached to a plurality of factory facilities installed in a factory, a step of calculating operation rate data based on the collected plurality of factory facility data, and a step of determining a corporate credit rating based on the operation rate data.

[0007] Here, the step of collecting the plurality of factory equipment data can obtain vibration data of the plurality of factory equipment through the IoT sensor.

[0008] In addition, the step of calculating the above operating rate data can calculate an operating rate data graph by time series analysis of the transmission cycle, measurement cycle, operating rate, and operating rate count included in the vibration data.

[0009] In addition, the above operating rate data graph can continuously display operating rate figures of the multiple factory facilities by hour and date.

[0010] In addition, the step of determining the corporate credit rating may determine the corporate credit rating based on the operating rate data graph for a preset period of time.

[0011] In addition, the step of determining the corporate credit rating may update the corporate credit rating by performing machine learning on the shape of the operating rate data graph and comparing it with a newly calculated operating rate data graph.

[0012] Meanwhile, an IoT-based alternative credit rating system according to one embodiment of the present invention includes an IoT sensor device attached to a plurality of factory facilities installed in a factory and collecting a plurality of factory facility data, and a server that calculates operating rate data based on the collected plurality of factory facility data and determines a corporate credit rating based on the operating rate data.

[0013] In addition, in a computer-readable recording medium storing a program for providing an IoT-based alternative credit rating service according to an embodiment of the present invention, the program includes a step of collecting a plurality of factory facility data through IoT sensors attached to a plurality of factory facilities installed in a factory, a step of calculating operation rate data based on the collected plurality of factory facility data, and a step of determining a corporate credit rating based on the operation rate data.

[0014] According to various embodiments of the present invention as described above, the accuracy of the credit rating can be increased by determining the corporate credit rating by utilizing physical data related to the factory facilities in addition to the financial information of the company.

[0015] FIG. 1 is a flowchart illustrating an IoT-based alternative credit rating method according to one embodiment of the present invention.

[0016] FIG. 2 is a diagram illustrating an operation rate data graph according to one embodiment of the present invention.

[0017] FIG. 3 is a diagram illustrating the configuration of an IoT-based alternative credit rating system according to one embodiment of the present invention.

[0018] Figure 4 is a block diagram showing a specific configuration of a server according to one embodiment of the present invention.

[0019] FIG. 5 is a drawing of a software module stored in a storage unit according to one embodiment of the present invention.

[0020] Hereinafter, the present invention will be described in more detail with reference to the drawings. Furthermore, in describing the present invention, detailed descriptions of related known functions or configurations will be omitted if they are deemed to unnecessarily obscure the gist of the invention. Furthermore, the terms described below are defined based on their functions in the present invention and may vary depending on the intentions or relationships of the user or operator. Therefore, their definitions should be based on the overall content of this specification.

[0021] FIG. 1 is a flowchart illustrating an IoT-based alternative credit rating method according to one embodiment of the present invention.

[0022] Referring to FIG. 1, an IoT-based alternative credit rating method according to an embodiment of the present invention includes a step (S110) of collecting a plurality of factory facility data through IoT sensors attached to a plurality of factory facilities installed in a factory, a step (S120) of calculating operation rate data based on the collected plurality of factory facility data, and a step (S130) of determining a corporate credit rating based on the operation rate data.

[0023] Here, alternative credit rating refers to evaluating credit based on non-financial information such as communication, electricity, and gas bill payment history, and SNS information. Recently, the types of non-financial information have been expanding to include athletic ability information, purchase history information, card usage information, and psychological information.

[0024] An alternative credit rating method according to one embodiment of the present invention performs credit rating based on physical data collected using IoT devices, and IoT sensors may be attached to each of multiple factory facilities installed in a factory.

[0025] And, each IoT sensor collects factory equipment data from each factory equipment. Specifically, the step (S110) of collecting multiple factory equipment data can acquire vibration data of multiple factory equipment through the IoT sensors.

[0026] Specifically, the IoT sensor includes a vibration sensor inside, which can sense the shaking vibration of the factory equipment when the factory equipment is in operation, thereby obtaining data on whether the factory equipment is currently in operation and for how long.

[0027] In addition, the step of producing the operating rate data (S120) can produce an operating rate data graph by time series analysis of the transmission cycle, measurement cycle, operating rate, and operating rate count included in the vibration data.

[0028] Here, the transmission cycle refers to the cycle in which the IoT sensor transmits vibration data, the measurement cycle refers to the vibration sensing cycle of the IoT sensor, the operating rate refers to the numerical increase / decrease rate of the vibration data, and the operating rate count refers to the order information of the operating rate data according to time.

[0029] Accordingly, the step (S120) of calculating the operating rate data can also calculate the operating rate data graph in various forms by changing the transmission cycle, measurement cycle, operating rate, and operating rate count included in the vibration data.

[0030] FIG. 2 is a diagram illustrating an operation rate data graph according to one embodiment of the present invention.

[0031] Referring to Figure 2, a graph of operating rate data for factory equipment is shown, where the horizontal axis represents time and date, and the vertical axis represents the operating rate value.

[0032] That is, the operating rate data graph is a graph that continuously displays the operating rate figures of multiple factory facilities by hour and date, and specifically, includes the Monday operating rate of the factory facilities (210), the Tuesday operating rate of the factory facilities (220), the Wednesday operating rate of the factory facilities (230), the Thursday operating rate of the factory facilities (240), the Friday operating rate of the factory facilities (250), the Saturday operating rate of the factory facilities (260), and the Sunday operating rate of the factory facilities (270).

[0033] Referring to Figure 2, the operating rate figures and the shapes of the operating rate graphs for each day of the week and hour are all different, because the vibration of the actual operating factory equipment differs by hour and date.

[0034] Meanwhile, the step (S130) of determining the corporate credit rating may determine the corporate credit rating based on the operating rate data graph for a preset period of time.

[0035] For example, the step (S130) of determining a corporate credit rating may determine a corporate credit rating based on a graph of operating rate data for 24 hours, which is calculated by analyzing vibration information of the factory equipment for 24 hours through an IoT sensor attached to the factory equipment.

[0036] Specifically, if the operating rate data obtained through IoT sensors attached to factory equipment has a high operating rate, the corporate credit rating will also increase, and if the operating rate data has a low operating rate, the corporate credit rating will also be determined to be low.

[0037] Here, a high corporate credit rating means better credit, and a low corporate credit rating means worse credit.

[0038] In addition, the step (S130) of determining the corporate credit rating can update the corporate credit rating by machine learning the shape of the operating rate data graph and comparing it with the newly generated operating rate data graph.

[0039] Specifically, the step (S130) of determining the corporate credit rating can learn the form of the operating rate data graph, i.e., the image itself, and compare the image with the image of the newly generated operating rate data graph. If the image of the newly generated operating rate data graph is smaller, the corporate credit rating can be lowered, and if the image is larger, the corporate credit rating can be raised.

[0040] In addition, the step (S130) of determining the corporate credit rating can obtain information on whether there is a problem with the operation of the factory equipment or whether performance has deteriorated at a certain time or date based on the size of the image of the operation rate data graph as well as the shape deformation part of the image, and can reflect this in the corporate credit rating.

[0041] Additionally, the step (S130) for determining the corporate credit rating can be adjusted by reflecting credit rating results from other institutions, provided as open source. In this case, the corporate credit rating can be adjusted by calculating different weights for the credit rating results from other institutions provided as open source and the utilization rate data graph.

[0042] FIG. 3 is a diagram illustrating the configuration of an IoT-based alternative credit rating system according to one embodiment of the present invention.

[0043] Referring to FIG. 3, an IoT-based alternative credit rating system (10) according to one embodiment of the present invention includes a server (100) and an IoT sensor device (200), and the IoT sensor device (200) can be attached to a plurality of factory facilities installed in a factory to collect a plurality of factory facility data.

[0044] Here, the IoT sensor device (200) may include a vibration sensor inside, and may include various sensors such as a temperature / humidity detection sensor, a harmful gas detection sensor, etc. in addition to the vibration sensor.

[0045] Additionally, the IoT sensor device (200) includes a communication unit (not shown), through which collected data can be transmitted to the server (100).

[0046] Additionally, the server (100) can calculate operating rate data based on the collected multiple factory facility data and determine a corporate credit rating based on the operating rate data.

[0047] In addition, it is obvious that all processes performed in the IoT-based alternative credit rating method described above can be performed on the server (100).

[0048] Figure 4 is a block diagram showing a specific configuration of a server according to one embodiment of the present invention.

[0049] Referring to FIG. 4, the server (100) includes a processor (110) and a storage unit (120).

[0050] The processor (110) controls the overall operation of the server (100).

[0051] Specifically, the processor (110) includes a RAM (111), a ROM (112), a main CPU (113), a graphics processing unit (114), first to n interfaces (115-1 to 115-n), and a bus (116).

[0052] RAM (111), ROM (112), main CPU (113), graphics processing unit (114), first to nth interfaces (115-1 to 115-n), etc. can be connected to each other through a bus (116).

[0053] The first to nth interfaces (115-1 to 115-n) are connected to the various components described above. One of the interfaces may be a network interface that connects to an external device via a network.

[0054] The main CPU (113) accesses the storage unit (120) and performs booting using the O / S stored in the storage unit (120). Then, it performs various operations using various programs, contents, data, etc. stored in the storage unit (120).

[0055] In particular, the main CPU (113) can collect multiple factory facility data through IoT sensors attached to multiple factory facilities installed in the factory, calculate operating rate data based on the collected multiple factory facility data, and determine a corporate credit rating based on the operating rate data.

[0056] A command set for system booting, etc. is stored in ROM (112). When a turn-on command is input and power is supplied, the main CPU (113) copies the O / S stored in the storage unit (120) to RAM (111) according to the command stored in ROM (112) and executes the O / S to boot the system. When booting is complete, the main CPU (113) copies various application programs stored in the storage unit (120) to RAM (111) and executes the application programs copied to RAM (111) to perform various operations.

[0057] The graphic processing unit (114) generates a screen including various objects such as icons, images, text, etc. using a calculation unit (not shown) and a rendering unit (not shown). The calculation unit (not shown) calculates attribute values ​​such as coordinate values, shape, size, color, etc. to be displayed for each object according to the layout of the screen based on the received control command. The rendering unit (not shown) generates a screen including various layouts of objects based on the attribute values ​​calculated by the calculation unit (not shown).

[0058] In particular, the graphic processing unit (114) can implement objects generated by the main CPU (113) as GUI (Graphic User Interface), icons, user interface screens, etc.

[0059] Meanwhile, the operation of the above-described processor (110) can be performed by a program stored in the storage unit (120).

[0060] The storage unit (120) stores various data such as O / S (Operating System) software modules for operating the server (100) and various multimedia contents.

[0061] In particular, the storage unit (120) may include a software module for collecting multiple factory facility data through IoT sensors attached to multiple factory facilities installed in the factory, calculating operating rate data based on the collected multiple factory facility data, and determining a corporate credit rating based on the operating rate data.

[0062] FIG. 5 is a drawing of a software module stored in a storage unit according to one embodiment of the present invention.

[0063] Referring to FIG. 5, the storage unit (120) may store programs such as a factory equipment data collection module (121), an operating rate data calculation module (122), and a corporate credit rating determination module (123).

[0064] Meanwhile, the operation of the processor (110) described above can be performed by a program stored in the storage unit (120). Below, the detailed operation of the processor (110) using the program stored in the storage unit (120) will be described in detail.

[0065] Specifically, the factory equipment data collection module (121) can collect multiple factory equipment data through IoT sensors attached to multiple factory equipment installed in the factory.

[0066] Additionally, the operation rate data production module (122) can produce operation rate data based on a plurality of collected factory equipment data.

[0067] Additionally, the corporate credit rating determination module (123) can determine the corporate credit rating based on the operating rate data.

[0068] Meanwhile, in a computer-readable recording medium storing a program for providing an IoT-based alternative credit rating service according to an embodiment of the present invention, the program may include a step of collecting a plurality of factory facility data through IoT sensors attached to a plurality of factory facilities installed in a factory, a step of calculating operation rate data based on the collected plurality of factory facility data, and a step of determining a corporate credit rating based on the operation rate data.

[0069] Meanwhile, a non-transitory computer readable medium storing a program for sequentially performing the control method according to the present invention may be provided.

[0070] A non-transitory readable medium refers to a medium that permanently stores data and can be read by a device, rather than a medium that stores data for a short period of time, such as a register, cache, or memory. Specifically, the various applications or programs described above may be stored and provided on non-transitory readable media, such as a CD, DVD, hard disk, Blu-ray disc, USB, memory card, or ROM.

[0071] Additionally, while the above-described block diagram depicting the server does not include a bus, communication between components within the server may be accomplished via a bus. Furthermore, each device may further include a processor, such as a CPU or microprocessor, that performs the various steps described above.

[0072] In addition, although the preferred embodiments of the present invention have been illustrated and described above, the present invention is not limited to the specific embodiments described above, and various modifications can be made by a person having ordinary skill in the art to which the present invention pertains without departing from the gist of the present invention claimed in the claims, and such modifications should not be understood individually from the technical idea or prospect of the present invention.

Claims

1. A step of collecting multiple factory facility data through IoT sensors attached to multiple factory facilities installed in the factory; A step of calculating operating rate data based on the collected multiple factory facility data; and An IoT-based alternative credit rating method, comprising: a step of determining a corporate credit rating based on the above operating rate data.

2. In paragraph 1, The step of collecting the above multiple factory equipment data is: An IoT-based alternative credit rating method for obtaining vibration data of multiple factory facilities through the IoT sensors.

3. In paragraph 2, The steps for calculating the above operating rate data are: An IoT-based alternative credit rating method that produces an operating rate data graph by time-series analysis of the transmission cycle, measurement cycle, operating rate, and operating rate count included in the above vibration data.

4. In paragraph 3, The above operating rate data graph is, An IoT-based alternative credit rating method in which the operating rate figures of multiple factory facilities are continuously displayed by hour and date.

5. In paragraph 4, The steps for determining the above corporate credit rating are: An IoT-based alternative credit rating method that determines the corporate credit rating based on the operating rate data graph for a preset period of time.

6. In paragraph 5, The steps for determining the above corporate credit rating are: An IoT-based alternative credit rating method that updates the corporate credit rating by machine learning the shape of the above-mentioned operating rate data graph and comparing it with a newly calculated operating rate data graph.

7. In the IoT-based alternative credit rating system, IoT sensor devices attached to multiple factory facilities in a factory and collecting multiple factory facility data; and An IoT-based alternative credit rating system, comprising a server for calculating operating rate data based on the collected plurality of factory facility data and determining a corporate credit rating based on the operating rate data.

8. In a computer-readable recording medium storing a program for providing an IoT-based alternative credit rating service, The above program is, A step of collecting multiple factory facility data through IoT sensors attached to multiple factory facilities installed in the factory; A step of calculating operating rate data based on the collected multiple factory facility data; and A computer-readable recording medium comprising a step of determining a corporate credit rating based on the above operating rate data.

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