Patent ID: 7747517
Filing Date: 2010-06-29
Classification: G06Q

Abstract:
1. A real-time commercial credit scoring method for allowing inter-business commercial transactions for user companies to be performed through an application service provider (ASP) site on a computer network in which a computer system is operated, said computer system including transactor certifying means, rank setting means, transaction-data managing means, transaction limit setting means and transaction restricting means and complaint information mailing means, the method comprising the steps of: certifying in real-time as a transactor, with said transactor certifying means, a person intended to participate as an anonymous seller or purchaser company newly in a commercial inter-business transaction on said site when said person satisfies a given condition, determining a rank of said certificated transactor in real-time, with said rank setting means, based on a given company data including at least one of a capital, sales amount, and transaction history about said transactor, organizing and managing in real-time a given transaction data, with said transaction-data managing means about a previous transaction through said site for said certified transactor, wherein said transaction data includes information about said transactor's mode of payment in said transaction, wherein said transaction-data managing means is configured to check said information of said transactor's mode of payment at given time intervals to reflect said checked information on said company data; and determining in real-time a transaction limit in said transaction, with said transaction limit setting means of said transactor based on said rank determined by said rank setting means, wherein said rank setting means is configured to determine said rank according to a given condition while making reference to said transaction data in said transaction-data managing means; placing a certain restraint on said transaction, with said transaction restricting means, and giving a warning to said seller or purchaser companies or suspending said transaction when the amount of said transaction exceeds said transaction limit of said seller or purchaser companies; wherein said transaction restriction means being operable in real-time on said application service provider site responsive to said excess over said transaction limit to give a warning to said seller or purchaser companies, or to suspend said transaction via said computer network; and recording complaints from the seller and purchaser companies in the complaint data, with said complaint information mailing means, and mailing a notice automatically to the seller and purchaser companies.