A METHOD AND APPARATUS FOR PROVIDING PERSONAL BUSINESS MANAGEMENT INFORMATION PLATFORM SERVICES USING MERCHANT INFORMATION

摘要

A method of operating a service providing apparatus according to an embodiment of the present invention includes: collecting affiliated store transaction data used for payment approval of an affiliated store terminal device of a private business operator; processing individual business operator evaluation variable information based on the affiliated store transaction data; calculating personal business credit score information by applying the individual business operator evaluation variable information to an individual business operator evaluation model based on merchant transaction data; and providing a management information platform service interface based on the individual business operator credit score information to the user terminal of the individual business operator.