KR102575209B1 - System and method for service for facilitating agreement, and user device and computer program for the same - Google Patents

Abstract

The simple consent service system includes: a user database storing user information of users including a consent requester and a guardian of the consent requester and relation information between users; a transmitting/receiving unit configured to receive a request for business processing related to a first user, who is a consent requester, from a user institution; and in response to the task processing request, requesting approval of the requested task processing from the second user, and based on the second user's response and the relationship information between the first user and the second user, the task An authentication unit is included to determine whether to approve the processing request. The transmission/reception unit is configured to transmit approval information to the user organization when the business processing request is approved by the authentication unit. According to the simple consent service system, a guardian can easily express an intention to consent through the system in a situation where consent by a guardian is required, such as a minor's financial affairs. Therefore, there is an advantage in that it is possible to easily enjoy new services such as simple payment electronic commerce while providing safety devices for work activities of minors.

Description

Simple operation service system and method, and user device and computer program therefor

Embodiments relate to a simple consent service system, a simple consent service method using the same, and a computer program therefor, and more specifically, minors in tasks requiring the consent of guardians, such as financial affairs of minors. It relates to a technology that enables the process of consent of a guardian for an action of a user to be easily performed through a user device and a server.

Recently, in the era of fintech, a technical and social foundation has been established for businesses other than financial institutions such as banks to provide users with services that combine finance and information and communication technologies, such as simple payment services. As an example of prior art related to this, Patent Registration No. 10-1693421 discloses a financial open platform (open API) that allows fintech companies to create simple payment service contents using an open API (Application Programming Interface) provided by financial institutions. platform)-based financial service provision device.

In order to use this simple payment service, users must perform personal authentication linked to their financial information to fintech operators. However, since there is no non-face-to-face identity authentication service for minors, it is impossible for minors to perform identity authentication when signing up for a service of a fintech operator. Therefore, until now, it has been impossible for minors to use various online services that require personal authentication, such as easy payment, through non-face-to-face authentication.

Registered Patent Publication No. 10-1693421

According to one aspect of the present invention for solving the above-mentioned problems of the prior art, for example, when a minor wants to use a simple payment service provided by a fintech operator, an actor's action requires the consent of a guardian. In the work to be done, it is possible to provide a simple consent service system and method, and a user device and computer program for this, which allow the consent process of the guardian for the minor's behavior to be easily performed through the user device and the server.

A simple consent service system according to an aspect of the present invention includes a user database storing user information of users including a consent requester and a guardian of the consent requestor and relation information between users; a transmitting/receiving unit configured to receive a request for business processing related to a first user, who is a consent requester, from a user organization; and in response to the task processing request, requesting approval of the requested task processing from the second user, and based on the second user's response and the relationship information between the first user and the second user, the task An authentication unit is included to determine whether to approve the processing request. The transmission/reception unit is further configured to transmit approval information to the user organization when the business processing request is approved by the authentication unit.

In one embodiment, the work process request includes identification information of the second user. At this time, the authentication unit is further configured to request approval of the business process from the user device of the second user by using the identification information of the second user.

In one embodiment, the authentication unit generates the approval information when it is confirmed from the relationship information that the second user is a guardian of the first user and the second user approves the first user's request for business processing. It is further configured to

The simple consent service system according to an embodiment receives identification information of the third user and identification information of a fourth user who is a consent requester for whom registration is requested by the third user from a third user, and receives the received identification information. and a relationship registration unit configured to generate and store the relationship information between the third user and the fourth user in the user database based on the above.

In one embodiment, the relationship registration unit determines whether the third user is a guardian of the fourth user based on family relationship registration information of the third user inquired from a public institution server, and determines whether the third user is a guardian of the fourth user. and generate the relationship information between the third user and the fourth user when the fourth user is a guardian.

In one embodiment, the relationship registration unit is further configured to compare the name of the fourth user received from the third user with the family relationship registration information to determine whether the third user is a guardian of the fourth user. do.

In one embodiment, the relationship registration unit includes a scraping engine for collecting the family relationship registration information from the public institution server using identification information of the third user.

A user device according to an embodiment includes a communication unit configured to communicate with and operate a simple consent service system in which relation information between users is stored, and to receive a request for processing a task related to a consent requester from the simple consent service system; an input unit configured to receive an approval input by a guardian of the consent requester in relation to the business processing request; and an authentication unit configured to, when the approval input is input by the guardian, verify whether the relationship between the consent requester and the guardian is authenticated by the relationship information by communicating with the simple consent service system. At this time, the communication unit is further configured to transmit approval information corresponding to the task processing request to the simple consent service system when the approval input is input and the relationship between the consent requester and the guardian is authenticated by the relationship information. .

In one embodiment, the user device further includes a scraping unit configured to scrape family relation registration information of the guardian from a public institution server when registration of a new consent requester for the guardian is requested. At this time, the authentication unit is further configured to determine whether to generate the relationship information between the new consent requester and the guardian, based on the family relationship registration information.

A simple consent service method according to an embodiment includes storing user information of users including a consent requester and a guardian of the consent requester and relationship information between users in a simple consent service system; receiving, by the simple consent service system, a request for processing a business related to a first user who is a consent requester from a user institution; requesting, by the simple consent service system, approval of the requested business process from a second user in response to the business process request; determining, by the simple consent service system, whether to approve the business process request based on the second user's response and the relationship information between the first user and the second user; and transmitting, by the simple consent service system, approval information to the user institution when the business processing request is approved.

In one embodiment, the business process request includes identification information of the second user, and the requesting of the second user includes the simple consent service system using the identification information of the second user. 2 requesting approval of the business process to the user device of the user.

In one embodiment, the step of determining whether to approve the business process request, it is confirmed from the relationship information that the second user is the guardian of the first user, and the second user requests business process of the first user. When approving, generating the approval information.

In the simple consent service method according to an embodiment, the simple consent service system receives identification information of the third user from a third user and identification information of a fourth user who is a consent requestor whose registration is requested by the third user. receiving; and generating and storing, by the simple consent service system, the relationship information between the third user and the fourth user based on the received identification information.

In one embodiment, the step of generating and storing the relationship information may include the simple consent service system, based on the third user's family relationship registration information inquired from a public institution server, the third user to the fourth user. Determining whether you are the guardian of; and generating, by the simple consent service system, the relationship information between the third user and the fourth user when the third user is a guardian of the fourth user.

In one embodiment, the step of determining whether the third user is the guardian of the fourth user may include, in the simple consent service system, the name of the fourth user received from the third user as a guardian of the third user. and determining whether the third user is the guardian of the fourth user by comparing the family relationship registration information.

In one embodiment, the step of generating and storing the relationship information includes collecting, by the simple consent service system, the family relationship registration information from the public institution server by scraping using the identification information of the third user. contains more

A simple consent service method according to another embodiment is performed by a user device that communicates with and operates a simple consent service system in which relation information between users is stored, and the user device, from the simple consent service system, agrees Receiving a business processing request related to a requestor; receiving, by the user device, an approval input from a guardian of the consent requester in relation to the task processing request; checking, by the user device, whether the relationship between the consent requester and the guardian is authenticated by the relationship information by communicating with the simple consent service system when the approval input is input by the guardian; and transmitting, by the user device, approval information corresponding to the task processing request to the simple consent service system when the approval input is input and the relationship between the consent requester and the guardian is authenticated by the relationship information. include

In one embodiment, the simple consent service method may include scraping, by the user device, family relation registration information of the guardian from a public institution server when registration of a new consent requester for the guardian is requested; and determining, by the user device, whether to generate the relationship information between the new consent requester and the guardian, based on the family relationship registration information.

A computer program according to an aspect of the present invention is combined with hardware to execute the simple consent service method according to embodiments, and may be stored in a computer-readable recording medium.

According to the simple consent service system and method according to an aspect of the present invention, electronic communication through communication between a user organization, a user device, and a simple consent service system for an action requiring consent by a guardian for an action of a consent requester. In this way, there is an advantage in that the guardian can easily check the request details of the consent requester and express their intention to consent.

The feature of the simple consent service system and method according to one aspect of the present invention as described above is that the action of the actor requires the consent of the guardian, such as when a minor wants to use the simple payment service provided by a fintech operator. It can be usefully used for various tasks that require it. For example, when a minor requests parental consent for the use of various online services such as simple payment through a simple consent service system, the parent conveniently checks and approves the request using a user device such as a smartphone, so that the minor You may agree to use the service.

Therefore, according to the simple consent service system and method according to one aspect of the present invention, while providing a safety device for business activities of persons requiring the consent of a guardian, such as minors, users requiring the consent of a guardian can also make a simple payment. There is an advantage in that it is possible to easily enjoy new services tailored to the changing transaction conditions, such as e-commerce.

1 is a configuration diagram of a simple consent service system according to an embodiment.
2 is a block diagram of a user device for a simple consent service according to an embodiment.
3 is a flow chart of a minor child registration process through a simple consent service system according to an embodiment.
4A to 4D are images showing a registration screen of a minor child on a user device for a simple consent service according to an embodiment.
5 is a flowchart of a process in which a guardian approves a consent requester's request through a simple consent service system according to an embodiment.

Hereinafter, with reference to the drawings, look at the embodiments of the present invention in detail.

1 is a configuration diagram of a simple consent service system using a simple consent service system according to an embodiment.

Referring to FIG. 1, the simple consent service system 3 according to this embodiment receives a request for processing a task related to the task of the consent requester from the user organization server 4, and the user device of the guardian corresponding to the consent requestor ( Through communication with 2), the guardian can confirm and approve the work request of the consent requester. Also, in one embodiment, the simple consent service system 3 may receive family relation registration information from the public institution server 5 to register the relationship between the consent requester and the guardian.

For the above operation, the simple consent service system 3 communicates with the using institution server 4, the public institution server 5, the user device 1 and/or the user device 2 through wired and/or wireless networks. can possibly be connected. In the present specification, a communication method through a wired and/or wireless network may be implemented using any communication method capable of networking objects and objects, and wired communication, wireless communication, 3G, 4G, or other methods not limited to by

The devices described herein may be entirely hardware, or may have aspects that are part hardware and part software. For example, the simple consent service system 3 and each system, device, server and unit included in the system communicating therewith are devices for exchanging and receiving data in a specific form and content in an electronic communication method and software related thereto. can be referred to as In this specification, terms such as "unit", "module", "server", "system", "platform", "device" or "terminal" refer to a combination of hardware and software driven by the hardware. it is intended to For example, the hardware herein may be a data processing device including a CPU or other processor. Also, software driven by hardware may refer to a running process, an object, an executable file, a thread of execution, a program, and the like.

The user institution server 4 is not a financial institution, but is a device of an operator that provides a service involving financial business processing, and may refer to a server of a fintech operator that provides a simple payment service, for example. Alternatively, the user institution server 4 may be a shopping mall server such as an open market linked with the simple payment service. However, the type of user organization is not limited to fintech business operators, and the user organization may be an organization related to any kind of work or service in which work involving the consent of a guardian needs to be processed.

The consent requester may use the service provided by the user organization server 4 using the user device 1 . For example, the consent requester may use the service of the user organization server 4 by executing an application (or app) for the fintech service provided by the user organization on a terminal such as a smartphone. At this time, according to a request from the user device 1 related to a specific task required during service subscription or service use of the consent requester, the server 4 of the user organization requests the consent of the guardian through the simple consent service system 3, thereby simplifying the process. An operation by the consent service system 3 is initiated.

In this specification, the consent requester refers to any user who requires the consent of a guardian for all or some specific actions of the user according to the law or agreements such as service terms and conditions used by the consent requester. In the following specification, it is assumed that the consent requester is a minor and the guardian is a parent who is the legal representative of the minor, and a simple consent service system and method according to embodiments will be described. In addition, the service of the user organization used by minors will be described assuming that it is a simple payment service based on fintech.

However, consent requesters and guardians who can use the simple consent service system and method according to the embodiments are not limited to minors and their parents, and are not limited to minors or incompetents and their legal representatives. Any user or users who require the consent of another user (guardian) to be accompanied can use the simple consent service system and method according to the embodiments.

In addition, the work process in which the consent of the guardian is obtained by the simple consent service system and method according to the embodiments includes membership registration for use of the simple payment service, account registration in the simple payment service, payment through the simple payment service, etc. Examples include, but are not limited to, a simple consent service system and method according to embodiments for any type of work in which other users (guardians) can consent to actions of a specific user (consent requester) can be utilized

In one embodiment, the simple consent service system 3 includes a transceiver 31, a user database 30 and an authentication unit 32. Also, in one embodiment, the simple consent service system 3 further includes a relationship registration unit 33 .

In this specification, each unit constituting the simple consent service system 3 is not necessarily intended to refer to a separate physically separated component. That is, in FIG. 1, each unit 30 to 33 constituting the simple consent service system 3 is shown as a separate block that is distinguished from each other, but it is functional by the operation executed by the simple consent service system 3. is separated by Depending on embodiments, some or all of the aforementioned units may be integrated into the same device, or one or more units may be implemented as separate devices physically separated from other units. For example, each unit of the simple consent service system 3 may be components communicatively connected to each other under a distributed computing environment.

The user database 30 is configured to store user information of users including a consent requester and a guardian of the consent requestor and relationship information between users. Relationship information between users refers to the person who requires the consent of the guardian for the action of a specific user, that is, whether the user is the consent requester, and if the user is the consent requester, who is the guardian who can consent to the user Indicates information that can be identified.

The transmitting/receiving unit 31 is configured to receive a request for processing a business related to a first user, who is a consent requester, from a user organization. For example, the business process request may refer to a request for approval when a minor first user intends to sign up for a simple payment service, register an account on the simple payment service, or transfer money for payment.

In the embodiment shown in FIG. 1, the simple consent service system 3 is shown to communicate with the user organization server 4 such as a fintech operator. In this case, the transceiver 31 transmits the A business processing request can be received. However, this is just an example, and in another embodiment, the transceiver 31 may receive a business processing request from the user device 1 of the minor using the easy payment service provided by the fintech business operator.

In the present specification below, a user organization that exchanges information with the simple agreement service system 3 refers to a server 4 operated by the user organization in order to realize the service of the user organization or a user organization through the server 4. It is intended to refer to any one or both of them without distinguishing the user device 1 of a minor using the service.

The authentication unit 32, when there is a request for business processing from the user organization, communicates with the second user's user device 2, which is expected to determine whether or not to agree to the business process request from the second user. receive the response For example, minors may enter identification information (eg, user ID, name, and/or mobile phone number) of a guardian to agree to their request when requesting a simple payment service, and the authentication unit 32 may enter such identification information. It is possible to request a response by sending a business process request to the user device 2 of the second user designated by .

In addition, the authentication unit 32 may refer to relation information between users stored in the user database 30 to verify whether the second user responding to the minor's request is the guardian of the minor. The above verification process may be performed before transmitting the business process request to the user device 2 of the second user, or may be performed after the business process request is transmitted and a response is received from the second user.

When it is confirmed by the authentication unit 32 that the corresponding guardian has approved the minor's request, the transmitting/receiving unit 31 transmits the approval information to the using institution (ie, the using institution server 4 and/or the service of the using institution). By transmitting it to the user device 1 of the minor in use, it is possible for the server 4 of the using institution to process tasks according to the minor's request, such as signing up for a simple payment service, registering an account, and remitting money.

In one embodiment, the relationship registration unit 33 collects the second user's family relationship registration information from the public institution server 5 to determine whether the second user is a true guardian for a specific minor (in other words, the minor is the first user). 2 user's child) can be verified. For example, the relationship registration unit 33 collects family relationship registration information by scraping information from the public institution server 5 using identification information and authentication information of the second user received from the user device 2. can do.

At this time, scraping means a technique of automatically logging in to the public institution server 5 using the authentication information of the second user in the relation registration unit 33 to display necessary information, and then downloading only the necessary information among them. For example, known or future developed screen scraping techniques may be used by the relationship register 33 .

In addition, the public institution server 5, which is the target of scraping, is operated by the state or local government or public institution, and manages basic information about members of a predetermined country or administrative region and information about their family composition. Means an institutional device. For example, the public institution server 5 is a Supreme Court electronic family relationship registration system server, and family relationship registration information scraped therefrom may refer to a family relationship certificate, but is not limited thereto.

Meanwhile, in another embodiment, the simple consent service system 3 does not directly scrape information from the public institution server 5, and the user device 2 scrapes data from the public institution server 5 from the user device 2. may receive. In this case, the relationship registration unit 33 may only perform an operation of generating relationship information between a minor and a guardian based on the family relationship registration information received from the user device 2 and storing it in the user database 30 .

FIG. 2 is a block diagram of a user device for a simple consent service according to an embodiment, and shows a device corresponding to the user device 2 shown in FIG. 1 .

Referring to FIGS. 1 and 2 , the user device 2 according to the present embodiment includes a communication unit 21 , an input unit 22 and an authentication unit 24 . Like each unit of the simple consent service system 3 described above with reference to FIG. 1, each unit 21 to 24 constituting the user device 2 functionally performs functions performed by the user device 2. , and may not necessarily refer to components integrated in one physical device.

The communication unit 21 serves to receive a business process request related to the consent requester from the simple consent service system 3 and transmits approval information to the simple consent service system 3 when the business process request is approved.

When a task processing request is received by the communication unit 21, the input unit 22 is configured to receive an input on whether or not to approve the consent requester's guardian in relation to the corresponding task processing request. For example, the input unit 22 may include an input means such as a touch screen provided in the user device 2 .

The authentication unit 24 verifies whether the minor requesting the business process is the child of the guardian who is the user of the user device 2, when there is a guardian's approval input in the input unit 22 for the minor's business process request. play a role In addition, the above confirmation process by the authentication unit 24 may be performed before the guardian inputs into the input unit 22 whether or not to approve the minor's request.

In one embodiment, since relationship information between users is stored in the simple consent service system 3, the authentication unit 24 may communicate with the simple consent service system 3 to confirm the relationship between a guardian and a minor. . The above communication process may be performed via the communication unit 21 . That is, in this embodiment, the user device 2 does not store relationship information between users.

However, in another embodiment, the relationship information between users may be stored only in the user device 2 , or may be stored in both the simple consent service system 3 and the user device 2 .

In the above, each part for the guardian to authenticate the minor's request through the user device 2 has been described. On the other hand, the scraping unit 23 provides a function that allows the guardian to register a new consent requester (ie, a child) who is the subject of his or her consent. The registration process of the child may be performed at the time when the guardian signs up for the simple consent service, or at an arbitrary time selected by the guardian after signing up. When registering a child, the guardian must enter his or her authentication information (eg, public certificate and password, family relation registration system ID and password, etc.), and the scraping unit 23 uses this to obtain information from the public institution server 5 to the guardian's family. You can scrape relationship properties.

Next, the authentication unit 24 checks whether the consent requester to be registered by the guardian is the true child of the guardian from the scrapped family relation registration information, and if the child is correct, the relationship information between the guardian and the child is generated. can be made The process of generating the relationship information may be performed in a manner in which the relationship information generated by the authentication unit 24 is transmitted to the simple consent service system 3, or the authentication unit 24 scrapes the child's identification information and When the family relation registration information is transmitted to the simple consent service system 3, the simple consent service system 3 compares it, checks whether or not there is a child, and generates relationship information.

3 is a flow chart of a minor child registration process through a simple consent service system according to an embodiment. The series of processes shown in FIG. 3 may be performed using an application (or app) that is executed on the guardian's user device and communicates with and operates the simple consent service system.

First, a guardian who wants to use the simple consent service may perform identity authentication on the user device 2 in order to subscribe to the simple consent service system 3 (S11). The authentication process may be performed using a known technology, and the guardian's own identification information (eg, name, resident registration number, mobile phone number and information of the telecommunication company used, public certificate, etc.) It may include a verification process. In addition, the user device 2 may communicate with the simple consent service system 3 to perform a user authentication process or to transmit an authentication result.

Next, the guardian may input the name of the child to be registered on the user device 2 in order to register the consent requester who is the subject of the guardian's consent (S12). 4A to 4D are images showing registration screens of minor children on a user device for a simple consent service according to an embodiment. Referring to FIG. 4A, a user who has completed authentication is provided with a list of children registered to him/herself. At the same time as being displayed, a user interface element for registering a new child (eg, a [Register a child] button) may be displayed. When the user selects the corresponding interface element, as shown in FIG. 4B , an input screen for the child's name is displayed on the user device 2 and the child's name can be received from the user.

In one embodiment, the child's name input in step S12 may be the name of some or any one of several children whom the guardian wishes to register, or may not be the name of the child to be registered by the guardian. If it is confirmed that the name of one of the guardian's children matches the family relationship registration information described later, regardless of the name entered in step (S12), one or more children registered in the guardian's family relationship registration information It can be registered with the consent of the corresponding guardian.

Referring to FIG. 3 again, the user device 2 uses the guardian's authentication information (eg, public certificate and password) to check whether the child input by the guardian is the actual child of the guardian, and uses the public institution server. In the family relationship registration information of the guardian can be scraped (S13). If the guardian does not input authentication information, a user interface for inputting or transmitting authentication information may be displayed on the user device 2 after selecting an interface element for child registration. If necessary authentication information is input, the user device 2 scrapes family relation registration information from the public institution server using the corresponding authentication information.

Next, the user device 2 compares the child's name input by the guardian with the information on the family relation registration information to determine whether the name input by the guardian matches the actual guardian's child's name (S14). After the guardian's child or children's names are confirmed by the above process, the guardian's choice for the child to be registered as a consent requester is input to the user device (2), and the child's identification information to be registered is entered into the simple consent service system (3). ) can be transmitted (S15).

Referring to the registration screen of minor children on the user device of FIG. 4c, after scraping the family relation registration information, if it is confirmed that the name entered by the guardian matches the name of any one of the children, the registered family relation registration information Information on all of the guardian's children may be displayed on the user device 2 . The guardian may select a child to be registered as a subject of consent among children displayed on the user device 2 of the user. In the embodiment of the drawing, it is assumed that a guardian named "Hong Gil-dong" has three children, "Hong Gil-nyeo", "Hong Gil-mi", and "Hong Gil-soon", and among them, "Hong Gil-nyeo" is registered as a subject of consent.

Referring back to FIG. 3 , in the simple consent service system 3 receiving the identification information of the child to be registered from the guardian's user device 2, the guardian and the child, that is, a user named "Hong Gil-dong" and "Hong Gil-nyeo" Information that the user named is a family member may be stored as relationship information in the user database of the simple consent service system 3 (S16).

Then, when the child "Gilnyeo Hong" requests parental consent from the user organization for financial affairs, etc., the simple consent service system (3) displays the tasks requested by "Gilnyeo Hong" on the user device (2) so that the parent The user "Hong Gil-dong" can decide whether to approve the request of "Hong Gil-nyeo". To this end, the child "Hong Gil-nyeo" can transmit the identification information of "Hong Gil-dong", the parent, to the simple consent service system (3) when requesting approval, or the simple consent service system (3) can be used by the user even if there is no parental designation by the child. Parents to request approval may be determined by searching for relationships between parents.

Figure 4d shows the screen on the guardian's user device 2 capable of processing the approval of the requested task. As shown, the child's account registration request is displayed on the guardian's user device 2, and the guardian may approve the request through a user interface element (eg, [agree] button, etc.).

5 is a flowchart of a process in which a guardian approves a consent requester's request through a simple consent service system according to an embodiment.

Referring to FIG. 5, a minor child uses a user device 1 to use services of a user organization such as a simple payment service, and then performs a specific task requiring parental consent (e.g., membership registration for a simple payment service, account registration). , remittance for payment, etc.) may be requested to the server 4 of the using institution (S21). At this time, the child may also input identification information (eg, member ID, name, mobile phone number, etc.) of the parent who will agree to his or her request.

The user institution server 4 may confirm that the child requesting the task is a minor and request the simple consent service system 3 to process the task in order to confirm whether the parent consents to the request (S22).

In one embodiment, the simple consent service system 3 may transmit notification information about the request to the user device 2 of the user corresponding to the parent in response to the request for processing the business (S23). In addition, the notification information transmitted to the parents may be displayed together with the content that the child has requested for consent through the user organization. The notification information may be transmitted to the user device 2 in the form of an e-mail, a text message such as a Short Message Service (SMS) message or a Multimedia Message Service (MMS) message, or a push notification through an application.

In one embodiment, when a child requests a task, the child enters information about the parent who will agree to the request together, and the simple consent service system 3 uses the information entered by the child to use the user device (2) corresponding to the information. ) can transmit notification information. At this time, if the user with the information entered by the child (name, mobile phone number, etc.) exists in the user database of the simple consent service system (3), the simple consent service system (3) provides the user with a push notification through the application. Notification information is transmitted in the form of a text message including a URL (Uniform Resource Locator) that induces application installation if the user having the information entered by the child does not exist in the user database of the simple consent service system (3). Notification information can be transmitted in the form of

On the other hand, in another embodiment, if the child transmits only the request without specifying the parent to agree to the request, the simple consent service system 3 identifies the guardian corresponding to the child who sent the request based on the relationship information of the user database. And, notification information about the child's request may be transmitted to the user devices 2 of one or more identified guardians.

Parents who have received notification information or are aware of their child's request in other ways can access the simple consent service system 3 on their user device 2 to indicate whether they agree to the request. This may include a parental authentication process through communication between the simple consent service system 3 and the user device 2 (S24). The parent's identity authentication process may be the same as the identity authentication process (S11) described above with reference to FIG. 3, and detailed descriptions are omitted to avoid duplication of description.

Next, the guardian whose identity has been authenticated may determine whether to approve the child's job processing request through communication between the simple consent service system 3 and the user device 2 (S25).

For example, referring back to FIG. 4D, when the parent "Gil-dong Hong" logs into the simple service system 3, a list of children registered for "Gil-dong Hong" (ie, "Gil-nyeo Hong" in the example of the drawing) and each child Request history of can be displayed on the user device (2). The list of children may include basic information such as each child's name, date of birth and/or age. In one embodiment, the list of children subject to parental consent may be displayed in order of age or in reverse order of age. In addition, in the case of a child who was subject to consent in the past but is no longer a minor, parents may be able to recognize that they are not subject to consent by indicating "adult" instead of age.

Each child's work request details may include the organization the child used and the contents of the requested work. The work request details may be provided by sorting a certain number of cases (eg, 5 cases) in the latest order. In addition, the parent selects a specific interface element on the screen displaying the work request details of each child or moves the entire screen, so that the past work request history that is not currently displayed on the screen or the currently displayed work request You can also read more details about it.

In one embodiment, the simple consent service system 3 may allow parents to temporarily approve a child's business processing request, that is, with a time limit. If this time limit is defined as an authentication deadline, as shown in FIG. 4D , in the case of a business process request for which an authentication deadline still remains, a user interface element for approval (e.g., [approve] on the parent's user device 4). ] button) and the time until expiration (eg, 3 hours remaining) may be displayed. Parents can approve their child's request only within the certification period, and if the certification period elapses without approval, the request is treated as rejected.

On the other hand, with respect to the work process request for which the authentication deadline has passed, the approval result (eg, deadline expiration, approval completion, etc.) may be displayed. In one embodiment, a request for which an authentication deadline still remains and a request for which the authentication period is not may be separately displayed by shading and/or color.

If the parent approves the child's request, the simple consent service system (3) determines whether the parent who approved the request is the guardian of the child based on the relationship information stored in the user database of the simple consent service system (3) , If the guardian is correct, approval information can be generated as authentication for the child's work request (S26). Of course, if the parent does not agree to the child's request, the above step S26 and subsequent steps are not performed.

On the other hand, when it is already confirmed that the parent is the guardian of the child before requesting approval to the parent's user device (2), such as when the simple consent service system (3) confirms the child's guardian and transmits the notification information , step S26 may simply refer to a process in which the simple consent service system 3 generates approval information according to a parent's approval response.

Alternatively, in one embodiment, the simple consent service system 3 once again sends the parent's family relation registration information in response to the parent's approval of the child's request even in the case of a child and parents whose family relationship has been previously registered. By scraping, it is also possible to check whether there is no change in the family relationship at the time of approval by comparing it with the past. Scraping of the family relation registration information for such additional verification may be performed by the parent's user device 2 and then only the result may be transmitted to the simple consent service system 3, or the user corresponding to the parent Authentication information may be stored in the simple consent service system 3, and family relation registration information may be automatically re-scraped in the simple consent service system 3.

In one embodiment, as a result of checking the family relationship registration information for the above-mentioned additional verification, if the relationship between the user who was previously registered as a parent and a child is no longer confirmed in the parent's family relationship registration information, the simple consent service The system 3 updates the user database of the simple consent service system 3 to delete relationship information defining the child and the parent, thereby preventing an unauthorized user from approving the action of the consent requester.

In one embodiment, the simple consent service system 3 may manage the child's financial business request transmitted to the parents based on the total transaction amount and/or the total number of transactions for a certain period of time (eg, one month). In addition, the total transaction amount and/or the total number of transactions for managing the above may be set in advance by the parents.

For example, parents can set the simple payment transaction amount or the number of simple payments that can be used during a unit period for each child who is the subject of their consent. At this time, when the simple consent service system (3) receives the child's financial business request, the simple consent service system (3) displays the cumulative transaction amount or accumulated number of payments for the unit period on the screen for viewing the child's business request details. By indicating whether the transaction amount or the number of payments exceeds a limit set in advance by the parent, the parent may not approve the request if the set transaction amount or number of payments is exceeded.

Alternatively, in another embodiment, the simple consent service system 3 may automatically generate a response to the child's request based on the transaction amount or the number of transactions during the unit period set by the parent. For example, the simple consent service system 3 calculates the accumulated transaction amount or accumulated number of payments for each user's financial business during a unit period, and the accumulated transaction amount or accumulated number of payments of the child exceeds the limit set by the parent of the child. If the limit is exceeded, the simple consent service system 3 may automatically reject the request even if there is a child's request for financial business without requesting approval from the parent. In this case, the simple consent service system 3 notifies the parent of the child who sent the request of the rejection of the request due to exceeding the limit, so that the parent can manage the financial affairs of the child.

Next, the simple consent service system 3 transmits the approval information to the server 4 of the user organization (S27) so that the user agency can process the tasks requested by the child. For example, the user organization may process financial tasks such as membership registration, account registration, and remittance for payment according to the child's simple payment request, and transmit the results to the child's user device 1 (S28). The processing of the above financial business may be further accompanied by a communication process between the user institution server 4 and a financial institution server (not shown) such as a bank or a credit card company.

The operation by the simple consent service method according to the embodiments described above may be at least partially implemented as a computer program and recorded on a computer-readable recording medium. Computer-readable recording media on which programs for implementing operations by methods according to embodiments are recorded include all types of recording devices in which computer-readable data is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, and optical data storage devices. In addition, computer-readable recording media may be distributed in computer systems connected through a network, and computer-readable codes may be stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing this embodiment can be easily understood by those skilled in the art to which this embodiment belongs.

Further, each block or each step shown in the flowcharts herein may represent a module, segment or portion of code that includes one or more executable instructions for executing specified logical function(s). Also, in some alternative embodiments, it is possible for the functions mentioned in blocks or steps to occur out of order. For example, two blocks or steps shown in succession may in fact be performed substantially concurrently, or the blocks or steps may sometimes be performed in reverse order depending on their function.

The present invention reviewed above has been described with reference to the embodiments shown in the drawings, but this is only exemplary, and those skilled in the art will understand that various modifications and variations of the embodiments are possible therefrom. However, such modifications should be considered within the technical protection scope of the present invention. Therefore, the true technical protection scope of the present invention should be determined by the technical spirit of the appended claims.

Claims (7)

a user database storing user information of users including a consent requester and a guardian of the consent requestor and relation information between users;
a transmitting/receiving unit configured to receive a request for business processing related to a first user, who is a consent requester, from a user organization;
In response to the task processing request, the second user is requested to approve the requested task processing, and the task is processed based on the second user's response and the relationship information between the first user and the second user. an authentication unit to decide whether to approve the request; and
Receiving identification information and authentication information of the second user from a user device, scraping family relationship registration information from a public institution server using the identification information and authentication information of the second user, and based on the family relationship registration information A relationship register configured to generate and store the relationship information between the consent requester and the guardian in the user database,
The authentication unit determines whether the second user is a guardian of the first user, based on the relationship information, before requesting approval for the business process from the second user or after receiving a response from the second user. further configured to verify whether or not, and to approve the business process request when the second user, who is the guardian of the first user, approves the business process request of the first user;
The simple consent service system, wherein the transmitting and receiving unit is further configured to transmit approval information to the user institution when the request for business processing is approved by the authentication unit.
According to claim 1,
The business process request includes identification information of the second user,
The simple consent service system is further configured to request approval of business processing from the user device of the second user by using the identification information of the second user.
storing user information of users including a consent requester and a guardian of the consent requestor and relationship information between users in a simple consent service system;
receiving, by the simple consent service system, a request for processing a business related to a first user who is a consent requester from a user institution;
requesting, by the simple consent service system, approval of the requested business process from a second user in response to the business process request;
determining, by the simple consent service system, whether to approve the business process request based on the second user's response and the relationship information between the first user and the second user; and
Transmitting, by the simple consent service system, approval information to the user organization when the request for business processing is approved;
The step of storing the relationship information in the simple consent service system,
receiving, by the simple consent service system, identification information and authentication information of the guardian from a user device;
Scraping, by the simple consent service system, family relation registration information from a public institution server using identification information and authentication information of the guardian; and
Generating, by the simple consent service system, the relationship information between the consent requester and the guardian based on the family relationship registration information;
The step of determining the approval is,
Before the simple consent service system requests approval of the business process from the second user or after the second user's response is received, based on the relationship information, the second user determines that the first user verifying whether or not the guardian of; and
and approving, by the simple consent service system, the business process request when the second user, who is a guardian of the first user, approves the business process request of the first user.
According to claim 3,
The business process request includes identification information of the second user,
The requesting of the second user may include requesting, by the simple consent service system, approval of a business process from a user device of the second user by using identification information of the second user. method.
A computer program stored in a computer-readable recording medium combined with hardware to perform the simple consent service method according to claim 3 or 4. delete delete