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1. WO2022004955 - ELECTRIC ENERGY CONSUMPTION-BASED CREDIT ASSESSMENT SYSTEM AND METHOD

Publication Number WO/2022/004955
Publication Date 06.01.2022
International Application No. PCT/KR2020/014910
International Filing Date 29.10.2020
IPC
G06Q 40/02 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
G06N 3/08 2006.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
NCOMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS
3Computer systems based on biological models
02using neural network models
08Learning methods
G01R 22/10 2006.1
GPHYSICS
01MEASURING; TESTING
RMEASURING ELECTRIC VARIABLES; MEASURING MAGNETIC VARIABLES
22Arrangements for measuring time integral of electric power or current, e.g. electricity meters
06by electronic methods
10using digital techniques
G06Q 50/06 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
50Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
06Electricity, gas or water supply
Applicants
  • (주)띵스파이어 THINGSPIRE INC. [KR]/[KR]
Inventors
  • 조광재 CHO, Kwang Jae
  • 신봉조 SHIN, Bong Jo
  • 김영상 KIM, Young Sang
  • 홍기훈 HONG, Ki Hoon
Agents
  • 피앤피 특허법인 PNPPATENT LAW
Priority Data
10-2020-008160702.07.2020KR
Publication Language Korean (ko)
Filing Language Korean (KO)
Designated States
Title
(EN) ELECTRIC ENERGY CONSUMPTION-BASED CREDIT ASSESSMENT SYSTEM AND METHOD
(FR) SYSTÈME ET PROCÉDÉ D'ÉVALUATION DE CRÉDIT BASÉS SUR LA CONSOMMATION D'ÉNERGIE ÉLECTRIQUE
(KO) 전력사용량 기반 신용평가 시스템 및 방법
Abstract
(EN) The present invention relates to electric energy consumption-based credit assessment system and method which enable a real-time credit assessment and can reduce collateral managing cost, the system comprising: a measurement unit for obtaining first electric energy consumption information comprising the amount of electric energy used by a consumer and second electric energy consumption information comprising the amount of electric energy used by asset collateral of the consumer; a storage unit for storing the first electric energy consumption information and second electric energy consumption information and storing a set value input from the outside; and a rule-based credit assessment unit for generating first credit assessment information by assessing the credit of the consumer by means of a rule-based method on the basis of the set value, first electric energy consumption information and second electric energy consumption information.
(FR) La présente invention concerne un système et un procédé d'évaluation de crédit basés sur la consommation d'énergie électrique qui permettent une évaluation de crédit en temps réel et peuvent réduire le coût de gestion de collatéraux, le système comprenant: une unité de mesure pour obtenir des premières informations de consommation d'énergie électrique comprenant la quantité d'énergie électrique utilisée par un consommateur et des secondes informations de consommation d'énergie électrique comprenant la quantité d'énergie électrique utilisée par des collatéraux d'actifs du consommateur; une unité de stockage pour stocker les premières informations de consommation d'énergie électrique et les secondes informations de consommation d'énergie électrique et stocker une valeur d'ensemble entrée à partir de l'extérieur; et une unité d'évaluation de crédit basée sur des règles pour générer des premières informations d'évaluation de crédit en évaluant le crédit du consommateur au moyen d'un procédé basé sur des règles sur la base de la valeur définie, des premières informations de consommation d'énergie électrique et des secondes informations de consommation d'énergie électrique.
(KO) 본 발명은 실시간 신용평가 가능하고 담보 관리비용을 절감할 수 있는 전력사용량 기반 신용평가 시스템 및 방법에 관한 것으로서, 수용가의 전력사용량을 포함하는 제1 전력사용정보 및 상기 수용가 내 동산담보의 전력사용량을 포함하는 제2 전력사용정보를 획득하기 위한 계측부; 상기 제1 전력사용정보 및 상기 제2 전력사용정보를 저장하고, 외부로부터 입력받은 설정값을 저장하는 저장부; 및 상기 설정값, 상기 제1 전력사용정보 및 상기 제2 전력사용정보를 기반으로 상기 수용가에 대해 규칙기반방식으로 신용을 평가하여 제1 신용평가정보를 생성하는 규칙기반 신용평가부를 포함한다.
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