KR102351150B1 - Reward base test bed system and processing method using the same - Google Patents

Abstract

The present invention comprises the steps of: (a) receiving the technology development project contents including the development technology summary, necessary information details and compensation details from an information user system or an information providing organization system and registering in a technology development project database; (b) receiving the information provision consent processing result for the technology development project from the information providing institution system; (c) receiving a deferred approval processing result capable of resolving legal restrictions on the technology development project from the supervisory authority system; (d) receiving a request for participation, refusal and inquiry of information provision from an information provider system and transmitting the details to the information provider system; (e) supporting information use and technology test progress between the information provider system and the information user system and storing the results in the technology development project database; and (f) supporting the compensation processing for the information provider and storing the paid compensation details in the technology development project database; discloses a processing method of a reward-type test bed system comprising a.

Description

Reward base test bed system and processing method using the same}

The present invention relates to a reward-type test bed system and its processing method, and more particularly, to the revitalization of the 4th industry, such as the Fin-Tech industry, which creates innovative financial services through the convergence of finance and IT technology. It relates to a reward-type test bed system that provides a reward-type system capable of managing and verifying personal information in building a test bed for a test bed, and a method for processing the same.

In general, taking the existing fintech industry as an example, the test bed is not known to individuals who are the actual source information providers, and personal information (residential number, phone number, etc.) that can be identified by financial institutions that handle personal information After blind processing, these transaction data were provided arbitrarily to the necessary places.

In this type of test bed, individuals who are the actual owners of information could not know at all whether their personal information was passed on, only blind processing, or from which financial institution the information was transferred, and there was no charge for providing the information. They were being used regardless of their will.

In addition, from the point of view of fintech venture companies (information users) that require such transaction data, only blind-processed information is sometimes required, and in some cases even personal information is required. In some cases, personal information is also required, but it cannot be provided in detail. In addition, in order to receive such transaction data, it is necessary to form a dependent relationship with a financial institution that has transaction data, so that there are restrictions on future service development.

Lastly, from the point of view of the supervisory authority, it is impossible to know what kind of financial information is being provided to whom, which financial institution, etc., whether there is any problem with this data, or when it is provided. There is no proper management method.

Patent Document 1: Korean Patent Registration No. 10-1179999 (Notice on Sept. 5, 2012) Patent Document 2: Korean Patent Publication No. 10-2004-0035572 (published on April 29, 2004)

The present invention was created in consideration of the above problems, and the information provider agrees to or The purpose of this is to provide a reward-type test bed system that can perform rejection and information usage history inquiry and its processing method.

Another object of the present invention is as a sandbox tool for fostering the 4th industry such as the fintech industry by managing the process of registration, provision, and confirmation of transaction information in one system from the point of view of the supervisory authority. It is to provide a reward-type test bed system and its processing method that can be utilized.

In order to achieve the above object, the present invention, (a) receives the technology development project contents including the development technology overview, necessary information details and compensation details from the information user system or information providing organization system and registers it in the technology development project database to do; (b) receiving the information provision consent processing result for the technology development project from the information providing institution system; (c) receiving a deferred approval processing result capable of resolving legal restrictions on the technology development project from the supervisory authority system; (d) receiving a request for participation, refusal and inquiry of information provision from an information provider system and transmitting the details to the information provider system; (e) supporting information use and technology test progress between the information provider system and the information user system and storing the results in the technology development project database; and (f) supporting the compensation processing for the information provider and storing the paid compensation details in the technology development project database; provides a processing method of the compensation test bed system comprising.

In the step (e), the information uploaded from the information provider system to the test bed system may be downloaded from the information user system to support the use of the information and the progress of the technology test.

According to another aspect of the present invention, the technology development project registration unit for receiving the technology development project contents including the development technology summary, necessary information details and compensation details from an information user system or an information providing organization system to register in a technology development project database; an information provision consent processing unit for receiving information provision consent processing results for the technology development project from the information provision institution system; a deferred approval processing unit for receiving a deferred approval processing result capable of resolving legal restrictions on the technology development project from the supervisory authority system; an information provider consent processing unit that receives a request for participation, refusal, and inquiry of information provision from an information provider system and delivers the details to the information provider system; a test progress support unit that supports information use and technology test progress between the information provider system and the information user system and stores the results in the technology development project database; and a reward processing unit supporting compensation processing for information providers and storing paid compensation details in the technology development project database; is provided.

According to the present invention, the business registration process in which information users openly register request data for various R&D and information providers selectively opt-out (express refusal of objects that do not require consent) or opt-in (required prior consent) ), and at this time, rewards (rewards) are provided to induce active provision to information providers, and through the provision of these rewards, they can be made to function as early beta users and sponsors.

In addition, with respect to the selection of information providers, information providers can clarify the limits of their legal responsibility by providing only information based on this. You can make a leading company. By creating a marketplace where these legally exceptional experiments are possible, supervisory agencies will be able to manage information and convergence technologies used in the policy, and participate as a policy and legal sector.

That is, according to the present invention, (a) registering the information content requested by the information user, the technology content to be developed, the period of use of the information, legal restrictions, the reward content provided to the information provider, etc. in the system; (b) Convergence services (such as fintech) in which the supervisory authority approves the development technology project for which information users are registered, so that the service or information handling that is not possible within the scope of the law is conducted in a limited environment and for limited (consent) users (such as fintech) In order to enable active research, the management of the business registered in the test bed system, which is a legal exception zone, analysis of problems, and the addition or relaxation of regulations through application of industrial policies, etc. management stage that can be recognized as a copyright; (c) Information provider inquiring the details of his/her information being provided in the system and expressing his/her intention (opt-out) by signing the electronic signature for the details that he/she wants to refuse to provide (opt-out) and information request business in which rewards are provided confirming that one's own information is the subject of the project and signing the electronic signature for self-certification to participate (opt-in) for the purpose of sponsoring the development project; (d) providing information to information users by adding/deleting the information providers if they exist among the information they provide with respect to the details expressed by the information providers at the information provider; (e) The information user receives the information of the information providers who have expressed their opinions from the information provider and analyzes/processes it for technology development or for a limited time and limited (agreed) information according to the pilot project schedule disclosed at the time of registration in the system A method of processing a reward-type test bed system, including the steps of providing (sandboxing) the actual service to the providers, registering the results in the system, and also providing the promised reward at the time of business registration to the information provider; provided

The compensation type test bed system and its processing method according to the present invention have the following effects.

First, in establishing a test bed for the revitalization of the 4th industry such as the fintech industry, it allows information providers to visually show that they are systematically well managed without leaking unauthorized personal information, and where their information is located. You can check how it is used, and you can promote active participation and diffusion through the reward system so that you can actively provide your own financial transaction information.

Second, it can function as a test bed by providing a clear boundary point for the provision of a legal sandbox to the supervisory authority.

Third, information providers can obtain tangible benefits such as intangible contributions for technological development and rewards provided by information users by participating in the development technology they want, and this process is managed transparently.

Fourth, information users can realize in the reality of a limited environment (sandbox) that the data acquisition procedure is complicated and simulation is impossible in reality.

Fifth, the supervisory authority can lead the policy role that drives the development of the convergence industry by managing the limited environment, so that all market participants can obtain tangible and intangible benefits.

The following drawings attached to this specification illustrate preferred embodiments of the present invention, and serve to further understand the technical spirit of the present invention together with the detailed description of the present invention to be described later, so that the present invention is described in such drawings should not be construed as being limited only to
1 is a conceptual diagram illustrating participants and a service method performed by a rewarded test bed system according to a preferred embodiment of the present invention.
2 is a flowchart illustrating a processing process of components interworking with a rewarded test bed system according to a preferred embodiment of the present invention.
3 is a block diagram illustrating a functional configuration of a compensation type test bed system according to a preferred embodiment of the present invention.
4 is a table showing an example of data processing by the compensation type test bed system according to the preferred embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. Prior to this, the terms or words used in the present specification and claims should not be construed as being limited to conventional or dictionary meanings, and the inventor should properly understand the concept of the term in order to best describe his invention. Based on the principle that it can be defined, it should be interpreted as meaning and concept consistent with the technical idea of the present invention. Accordingly, the embodiments described in this specification and the configurations shown in the drawings are only the most preferred embodiment of the present invention and do not represent all of the technical spirit of the present invention, so at the time of the present application, various It should be understood that there may be equivalents and variations.

1 is a conceptual diagram illustrating a data processing process between the rewarded test bed system 100 and participants (organizations) according to a preferred embodiment of the present invention, and FIG. 2 is a flowchart thereof.

1 and 2, the reward test bed system according to a preferred embodiment of the present invention is an information provider 101, an information user 102, a supervisory authority (or supervisory agency) 103, and an information provider organization A reward-type test bed service is provided by organically interworking with each computer system provided in 104 .

The information provider 101 is an individual who uses a financial institution, a public institution, or the like. The information user 102 is a developer, such as a startup or venture company, that uses personal information (information including at least one selected from resident number and phone number) necessary for a technology development project. As a related government agency, the supervisory authority 103 plays a role of supporting the testing of the developed technology by deferring legal restrictions for a set period when information provision conflicts with related laws. The supervisory authority 103 may also function as a policy and legal participant. As the information provider 104 , a financial institution such as a bank or various public institutions used by the information provider 101 corresponds to the information provider 101 . In the information providing institution 104 , big data information such as account usage details according to the use of the information provider 101 is accumulated. The information providing organization 104 may function as the information user 102 .

As shown in FIG. 2 , the information provider 104 or the information user 102 registers the technology development project to be carried out in the reward-type test bed system 100 (step S111). Alternatively, it is also possible for all market participants associated with the rewarded test bed system 100 to register the technology development project. If necessary, if a policy (legal) experiment is necessary, the supervisory authority 103 may register the project.

The information providing institution 104 confirms the content of information for the registered technology development project and performs a process of agreeing to or rejecting the information provision (step S113). When the information providing institution 104 agrees to the provision of information, since both the information user 102 and the information providing institution 104 agree, the supervisory authority 103, which determines the final legal deferral, decides which laws to suspend. After reviewing whether it is applicable, it is circulated to all relevant organizations to receive approval one by one or to receive delegation and to approve the deferral in batches (step S114). In the case where the supervisory authority 103 legally performs the deferred processing, the contents are disclosed to the information providers 101, and the consent processing for the information provision (step S115) proceeds. Thereafter, the supervisory authority 103 notifies the relevant authorities of the details of the case for which the postponement of the law has been decided (step S116) to prevent confusion of regulations.

The information provider 101 inquires about the technology development project registered in the test bed system and confirms whether or not the person's information corresponds to the information that does not require consent being provided, and then either rejects it or opt-in. Agree to actively provide information to businesses that require information (step S115), and authenticate yourself in the sense of consent. The expression of expression displayed in this way is provided to the information provider 104 through the test bed system, and the information provider 104 filters the information provided with the result of the expression as required by the information user 102. provides information to

The information user 102 implements (118) targeted technology development based on the information provided by the information provider 104 or uses the developed technology and the information provider 115 who has expressed their intention to participate in the real environment. A transaction test is performed (step S118). The transaction test beyond these legal regulations should be performed within the scope of the registered technology development project 112 because the supervisory authority 103 provides a minimum regulatory sandbox 114 that can test the technology. If the technology has been developed, the service has been implemented (step S118), or the promised goal has been achieved, the promised reward is paid to the information provider 101 who provided the information (step S119). In this case, the compensation may be a point that can be refunded in money, or the like, or a benefit provided by the information user 102 when the planned service is released. If the compensation predicted at the time of registration of the first technology development project is completed, the technology will end (graduate) in the test bed because the life-cycle of technology development in the test bed system is completed (step S120) .

3 is a block diagram illustrating a functional configuration of a compensation type test bed system according to a preferred embodiment of the present invention.

Referring to FIG. 3 , the reward-type test bed system 100 according to a preferred embodiment of the present invention includes a technology development project registration unit 100a, an information provider consent processing unit 100b, a deferred approval processing unit 100c, and information provider consent. It includes a processing unit 100d, a test progress support unit 100e, and a reward processing unit 100f.

The technology development project registration unit 100a records the technology development project contents including the necessary information including at least one selected from the development technology overview, the resident number and the phone number and the compensation details to the information user 102's system or information providing organization. It is received from the system of (104) and registered in the technology development project database.

The information providing institution consent processing unit 100b receives the information provision consent processing result for the technology development project from the system of the information providing institution 104 .

The deferred approval processing unit 100c receives a deferred approval processing result capable of resolving legal restrictions on the technology development project from the system of the supervisory authority 103 . That is, the deferred approval processing unit 100c supports to apply the information to technology development by temporarily suspending the regulation (eg, for 6 months) when there are restrictions on the provision of information such as the use of personal information. In addition, the supervisory authority 103 may recognize published copyrights or play a role as a policy (legal) participant.

The information provider consent processing unit 100d receives requests for participation, refusal, and inquiry for information provision from the system of the information provider 101 , and transmits the details to the system of the information provider 101 .

The test progress support unit 100e supports the information use and technology test performed between the system of the information provider 101 and the system of the information user 102, and stores the result in the technology development project database. To this end, the test progress support unit 100e provides an interface for uploading an information file required for the test bed system 100 from the system of the information provider 101, and transfers the uploaded information to the information user 102 system. Support to download from

The reward processing unit 100f supports information provision compensation processing for the information provider 101 and stores the paid compensation details in the technology development project database. Compensation processing for the information provider 101 may be performed by payment of cash, payment of points, provision of a service use right, and the like.

4 illustrates an example processed by the rewarded testbed system. As shown in FIG. 4, the contents to be developed, restrictions such as the scope and period of the corresponding technology, and the details of the compensation that can be received when participating in the corresponding project are included.

According to the present invention, by creating a system for a test bed, the transaction information desired by the information user (company) and the period (provided date, use start/end date, etc.) compensation), etc., the supervisory authority grants approval for the handling and use of such information, allowing the suspension of the existing legal application to be applied. If the information provider (individual) sees the technology development project registered in the system and needs his/her information, he or she proceeds with the consent or rejection procedure, and the details of such consent are delivered to the information user and information provider. After that, the information provider collects them and delivers them to information users. After the service is provided until the valid period, the information user rewards the information provider with initial incentives or points that can be used immediately after the launch of the service. It can also be done voluntarily.

In addition, from the perspective of the supervisory authority, all of this is managed in one system, so it can be used as a sandbox tool for fostering the 4th industry such as the fintech industry.

In the above, although the present invention has been described with reference to limited embodiments and drawings, the present invention is not limited thereto. Of course, various modifications and variations are possible.

100: rewarded test bed system 101: information provider
102: information user 103: supervisory authority
104: information provider

Claims (3)

(a) When the technology development project register receives from the information user system or information provider system the details of the technology development project including the details of personal information including at least one selected from the outline of the development technology, the resident number and the phone number, and the details of the compensation registering in the technology development project database;
(b) receiving, by the information providing institution consent processing unit, the processing result of consent to provide the personal information for the technology development project in question from the information providing institution system;
(c) receiving, by the deferred approval processing unit, a deferred approval processing result capable of resolving legal restrictions on the technology development project from the supervisory authority system;
(d) the information provider consent processing unit collects the personal information from the information provider system; receiving a request for participation, refusal, and inquiry for provision and transmitting the details to the information providing institution system;
(e) a test progress support unit supporting the use of the personal information and the technology test progress between the information provider system and the information user system, and storing the result in the technology development project database; and
(f) the reward processing unit supporting the compensation processing for the information provider and storing the paid compensation details in the technology development project database; including;
In step (d),
The information provider consent processing unit rejects the information provider system after confirming whether the person's personal information corresponds to the provision of personal information that does not require consent by inquiring the technology development project registered in the test bed system by the information provider or to provide an interface for consenting to actively provide personal information to businesses that require personal information by opt-in;
In step (e),
The test progress support unit provides an interface for uploading personal information files necessary for the test bed system from the information provider system, and transfers the personal information uploaded from the information provider system to the test bed system in the information user system. A method of processing a reward-type test bed system, characterized in that it supports the use of the personal information and the progress of the technology test by downloading it. delete Technology for receiving technology development project details including personal information details and compensation details including at least one selected from the outline of development technology, resident number and phone number from the information user system or information provider system and registering it in the technology development project database development project register;
an information providing institution consent processing unit that receives a processing result of consent for the provision of personal information for the technology development project from the information providing institution system;
a deferred approval processing unit for receiving a deferred approval processing result capable of resolving legal restrictions on the technology development project from the supervisory authority system;
an information provider consent processing unit that receives a request for participation, refusal, and inquiry of the provision of personal information from the information provider system and transmits the details to the information provider system;
a test progress support unit supporting the use of the personal information and the technical test progress between the information providing institution system and the information user system and storing the result in the technology development project database; and
A reward processing unit for supporting compensation processing for information providers and storing paid compensation details in the technology development project database; includes;
The information provider consent processing unit,
Regarding the information provider system, the information provider inquires about the technology development project registered in the test bed system and confirms that his or her personal information corresponds to the provision of personal information that does not require consent, then rejects or opt-in (opt-in) in) to provide an interface where you can agree to actively provide your personal information to businesses that require it,
The test progress support unit,
providing an interface for uploading personal information files required for the test bed system from the information providing institution system;
Compensation-type test bed system, characterized in that the personal information uploaded from the information provider system to the test bed system is downloaded from the information user system to support the use of the personal information and the technical test progress.

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