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As the standards organization under ISO responsible for the development of all international financial services standards, ISO/TC 68 plays a key role in the development and adoption of new technologies in the banking, brokerage and insurance industries. In this paper many of its current work projects are introduced for developing ecommerce standards. We need to discuss the recommendations on XML conversion with ISO and other international standard organizations. Each country try to adopt the international standards even though domestic technical standards and barriers. To solve this problem of interworking between these standards, harmonization activities are nedded. For development and distribution of electronic documents to be conformed to international standards, it is enough to have the role of international activities continue to supply part of the domestic industry and the trends in participation and international standard.Our principal focus is on facilitating national and international trade, through the simplification and harmonization of processes, procedures and information flows, and so contributing to the growth of global commerce.

Decision-making is to extract information that can be executed in the future, it refers to the process of discovering a new data model that is induced in the data. In other words, it is to find out the information to peel off to find the vein to catch the relationship between the hidden patterns in data. The information found here, is a process of finding the relationship between the useful patterns by applying modeling techniques and sophisticated statistical analysis of the data. It is called data mining which is a key technology for marketing database. Therefore, research for cluster analysis of the current is performed actively, which is capable of extracting information on the basis of the large data set without a clear criterion. The EM and K-means methods are used a lot in particular, how the result values of evaluating are come out in experiments, which are depending on the size of the data by the type of distance-based and probability-based data analysis. Key words: EM, Decision-making, K-Means, Maximization Step, BI-RADS assessment