KR101753455B1 - Method and server for providing smart consent form - Google Patents

Abstract

According to an embodiment of the present invention, there is provided a method of providing a smart consent form for issuing a card by a card issuer server, comprising the steps of: receiving a card issuance request from a user on the telephone or the Internet; Transmitting a URL address associated with a smart agreement creation web page to a user terminal; Receiving a smart agreement including check and individual signatures from the user terminal and a user signature; Transmitting the smart agreement to the authorized storage server and receiving a smart agreement with a time stamp stamped; And transmitting the smart agreement with the time stamp stamped to the user terminal.

Description

METHOD AND SERVER FOR PROVIDING SMART CONSENT FORM

The present invention relates to a method and server for providing a smart agreement, and more particularly, to a method and a server for receiving a preliminary agreement on card issuance from a user through online and allowing a user to confirm a written agreement written at any time .

When a card company or a card issuing company advertises a new card using telemarketing (TM), the user records the content of the card and issues a card based on the content. Further, even when the user makes an application for issuing a card through the Internet, the card issuer or the bank confirms the identity of the user, and the process of issuing the card is performed based on the user's input.

In order for a user to issue a card and use it, a consent form must be prepared to collect, use, and provide information. Until now, the customer must collect the consent form by hand, and the consent form must be filled out by the employee To the card company or the bank, the card issuance process is carried out in such a manner that the card company or the bank performs the classification operation, the data conversion through the scan job, and the storage of the agreement to be stored.

As described above, in the process of issuing the card, after the real consent was collected from the card user, the consent was matched with the card, and the consignee was received from the customer.

In order to solve such a cost problem, a method of receiving a consent form through an electronic device such as a PDA carried by a delivery company employee or receiving a consent form through a dedicated terminal provided by a credit card company has been developed. However, this method has a problem that it increases the burden of the shipping company employees and there is a problem that the user who creates the consent form through the terminal of the other person becomes uneasy.

Therefore, a need has arisen for a method of conveniently writing a consent form using the user's own terminal to which a card is to be issued.

Korean Patent Publication No. 10-2007-0012914

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems of the prior art.

An object of the present invention is to provide a smart consent form to a user and reduce manpower, cost, and the like required for the management of a posthumous consent agreement according to a smart card server stored in a smart consent form created through a user terminal.

Another object of the present invention is to allow a user to receive an image of a smart agreement created by a user at a desired time from a card company server, thereby eliminating user complaints related to a consent form required for card issuance.

According to another aspect of the present invention, there is provided a method for providing a smart consent form for issuing a card by a card issuer server, comprising the steps of: receiving a card issuance request from a user on the telephone or the Internet; Transmitting a URL address associated with a smart agreement creation web page to a user terminal; Receiving a smart agreement including check and individual signatures from the user terminal and a user signature; Transmitting the smart agreement to the authorized storage server and receiving a smart agreement with a time stamp stamped; And transmitting the smart agreement with the time stamp stamped to the user terminal.

The URL address may be a unique URL address generated for each user terminal, and the smart agreement writing web page may provide a consensus matching the card type requested for issuance.

The step of receiving a smart agreement from the user terminal may be performed within a predetermined time from receiving the issuing application or transmitting the URL address.

The method of providing a smart agreement of the card company server may further include providing an additional benefit to a card to be issued when the smart agreement is received within a predetermined time from receiving the issuance application or transmitting the URL address.

The step of receiving a smart agreement from the user terminal comprises: transmitting an authentication number for user confirmation to the user terminal; And receiving the authentication number together with the smart agreement.

The step of receiving a smart agreement from the user terminal may further include receiving user information (CI) from the user terminal.

The method of providing a smart agreement of the credit card company server may further include transmitting information to the shipment company server that it is not necessary to collect a consent form after the card is delivered.

According to another aspect of the present invention, there is provided a card issuer server for providing a smart agreement for issuing a card, comprising: an issuance application management unit for receiving a card issuance request from a user terminal on the telephone or the Internet; A URL address management unit for transmitting a URL address associated with a smart agreement creation web page to the user terminal; A smart consent collector for receiving a smart consent form including a check for individual items and a user signature from the user terminal; A timestamp seal management unit for transmitting the smart consent form to a public repository server and receiving a smart consent form in which a time stamp is stamped; And a smart agreement transferring unit for transferring an image of the smart agreement signed with the time stamp to the user terminal.

The URL address management unit may generate and transmit a unique URL address that is distinguished for each user terminal and may transmit a URL address associated with the smart consent form creation web page providing a consensus matched with the card type requested for issuance.

The card company server may further include a submission time checking unit for determining whether the smart agreement is received from the user terminal within a predetermined period of time after receiving the issuing application or transmitting the URL address and determining a smart agreement issuing process.

The submission time confirmation unit may further include an additional benefit providing unit for providing an additional benefit to the issued card when the smart agreement is received within a predetermined time after receiving the issuance application or transmitting the URL address.

The card company server may further include a user authentication unit for transmitting an authentication number for user authentication to the user terminal and receiving the authentication number together with the smart agreement.

The user authentication unit may receive user-specific information (CI) from a user terminal for identity verification.

The card company server may further include a delivery management unit for transmitting to the delivery company server information indicating that a post-agreement agreement is not required at the time of delivering the card.

According to the embodiment of the present invention, since the process of issuing a smart card through the creation of a smart agreement through the user terminal is simplified, it is possible to reduce manpower, cost, and the like required for the management of the existing real agreement.

According to an embodiment of the present invention, it is possible to confirm the date on which the consent form was created through the time stamp seal and to prove that the consent form was not forged or altered after the created date, and the user can confirm the created smart consent form at any time .

It should be understood that the effects of the present invention are not limited to the above effects and include all effects that can be deduced from the detailed description of the present invention or the configuration of the invention described in the claims.

1 is a schematic view of a system for providing a smart agreement according to an embodiment of the present invention.
2 is a block diagram illustrating an internal configuration of a card issuer server according to an embodiment of the present invention.
FIG. 3 is a diagram briefly showing a step in which a smart agreement according to an embodiment of the present invention is created on a user terminal, a step in which a card issuer server implements a smart agreement, a step in which the authorized storage server stamps a time stamp on a smart agreement to be.
4 is a flowchart illustrating a method of providing a smart agreement according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" . Also, when an element is referred to as "comprising ", it means that it can include other elements, not excluding other elements unless specifically stated otherwise.

In the present specification, the term " card " means all the cards for which the consent of the card user is indispensably required in the course of issuing a corresponding card such as a credit card, a check card, a debit card or a membership card.

In the present specification, the term " smart agreement " means a consent form of an electronic document format that a user who wishes to issue a card can create on his / her terminal.

In this specification, the card issuer server 200 performs the entire function of providing the smart agreement on the user terminal 100, but the respective functions performed by the card issuer server 200 may be dispersed by a plurality of subjects. For example, when a bank server (not shown) exists separately, a bank server stores the card issuance application recording information of the customer, and transmits the above information to the card company server 200 in real time, Lt; / RTI >

1 is a schematic view of a system for providing a smart agreement according to an embodiment of the present invention.

The system for providing a smart agreement according to an embodiment of the present invention may include a user terminal 100, a card issuer server 200, an authorized storage server 300, and a delivery company server 400.

The user terminal 100 to be used by a user who wishes to receive a card issuance request may be a card issuer server through a network such as a mobile phone, a smart phone, a PDA (personal digital assistant), a portable multimedia player (PMP) Based wireless communication device that can be connected to the mobile terminal 200. In addition to the above, it is also possible to use a wireless communication device such as a desktop PC, a tablet PC, a laptop PC, an IPTV including a set- And a communication device that can be connected to the server 200.

Communication between the user terminal 100, the card issuer server 200, the authorized storage server 300, and the delivery company server 400 according to an embodiment of the present invention can be performed through a communication network (not shown).

According to one embodiment, the communication network may be configured without regard to its communication mode, such as wired and wireless, and may be, for example, a local area network (LAN), a metropolitan area network (MAN) And a wide area network (WAN). Preferably, the communication network according to an embodiment of the present invention may be a known World Wide Web (WWW) or the like.

The card issuer server 200 according to an embodiment of the present invention may be a server managed by a card issuer that issues a card and manages a credit limit, customer information, and payment information provided to the card.

The card issuer server 200 transmits a URL address for creating a smart agreement to a terminal of a user who wants to receive a card, and when a user accesses a web page for creating a smart agreement through the URL address and creates a smart agreement, The card issuing process can be performed.

The authorized storage server 300 according to an embodiment of the present invention can receive the smart agreement created by the card user from the card issuer server 200 and stamp the time stamp.

Time Stamp is an international standard technology based on a public key for checking the generation time of an electronic document and forgery verification. It prove that an electronic document existed at a specific time, and at the same time, And it is a technology for proving that it has not been changed, and only the authorized certification authority such as the authorized repository in the present invention can provide the corresponding service.

The authorized storage server 300 can stamp a time stamp on the smart agreement received from the card issuer server 200, store the sealed smart agreement, and transmit the signed smart agreement to the card company server 200. [

The authorized storage server 300 may later receive a request from the user of the card or the card company and provide the stored smart agreement to the user or the card company.

The shipping company server 400 according to the embodiment of the present invention contracts with the credit card company, receives a certain amount of money per card delivery amount, delivers the card, and the enclosed agreement is written by the user who issued the card. And may be a server managed by a shipping company that performs a role of delivering to a card company.

In the conventional card issuing process, when a card requiring an agreement is issued via the telephone or the Internet, the issuance of the card has been proceeded as described above. However, in the present invention, the card company accepts the smart agreement from the user, so that for the user who has created the smart agreement, the shipping company delivers the agreement when the card is dispatched and the agreement written from the user who has issued the card is returned to the card company Can be omitted.

The shipment company server 400 may receive information on whether the card to be shipped from the card issuer server 200 includes an agreement. The shipment company can determine whether or not the consent form is necessary by checking whether the consent form is attached to the envelope containing the card to be shipped. However, when the shipment company server 400 receives the information from the card issuer server 200 as described above , And more efficient delivery management can be performed.

Hereinafter, a method of issuing a card issuance procedure through a smart consent form according to the present invention will be described.

According to one embodiment, a user who wishes to receive a new card can receive a telemarketing call from a credit card company, listen to a description of the card product, and become a card issuer, thereby performing a card issuance application over the telephone. In this case, the user can record the call related to the card issuance application and start the card issuance process based on the recorded call.

According to another embodiment, a user who wishes to receive a card can request a card issuance through a card issuance application page on the Internet, receive a confirmation call for issuing a card, and receive card application information transmitted via the Internet and a recorded confirmation call You can receive cards issued on a basis.

According to an embodiment of the present invention, when the user completes the application for issuing the card, the card company server 200 notifies the user terminal 100 of the smart agreement and a smart agreement A confirmation message indicating whether or not to write the data can be transmitted. The card issuer server 200 can transmit the above message through a card issuance related application installed on the user terminal 100 or through a general SMS function.

The card issuer server 200 receives the information including the information from the user terminal 100 and generates a unique URL address and an authentication number corresponding to the user terminal 100 information have.

Then, the card issuer server 200 can transmit the generated unique URL address to the user terminal 100, and the user can access the web page for creating the smart agreement through the received unique URL address.

According to the embodiment, the items to be checked in the agreement may differ according to the type of the card to which the user has applied for the issuance. Accordingly, the card company server 200 acquires a smart agreement And generates a URL address associated with a web page that can be created.

A user who accesses the smart consent form creation web page through the URL address transmitted to the user terminal 100 can check each item of the smart consent form and fill the check box for each item or leave it empty. The user may also record his or her signature in the signature field using the touch function on the user terminal 100. [

There may be more than one mandatory check item in the smart consent, and there may be optional check items that are not mandatory. Each check item may display only a part of contents on the initial screen of the web site, and the user can check the entire contents of each check item by selecting a button or the like which can view the detailed contents.

In addition, the user can examine the entire content of each check item in the smart consent form through the screen enlargement function of the user terminal 100 in the process of creating the smart consent, Signature recording can be performed on a screen enlarged more conveniently.

The user who accesses the smart consent form creation web site through the user terminal 100 fills in check boxes for respective check items, inputs his signature, selects a button such as smart consent submission, And may be stored in the server 200. In this process, the smart consent writing website can prevent the smart consent submission from being made if the user does not check the necessary check items.

When the user performs the smart agreement submission, the card issuer server 200 may transmit the authentication number generated to correspond to the user terminal 100 information to the user terminal 100. The user can confirm the transmitted authentication number and submit the created smart consent by inputting it.

The reason for confirming the user terminal 100 through the authentication number is that a user who has not applied for card issuance through the hacking of the unique URL sent to the user who has applied for the card issuance, To avoid the problem.

The card issuer server 200 can confirm whether the authentication number transmitted to the user terminal 100 is correctly inputted and store the created smart agreement if the inputted authentication number matches the transmitted authentication number. According to one embodiment, the card issuer server 200 can store the created smart agreement in image form.

The card issuer server 200 may perform user authentication by receiving user-specific information (CI: Connection Information) from the user terminal 100 instead of the authentication number. The CI can be information that enables the same user to be distinguished from each other on different websites.

The card issuer server 200 can receive the time stamp stamp by transmitting the stored smart agreement to the public storage server 300. A timestamp is an electronic technique that proves that an electronic document was present at a specific time with an electronic stamp of a public key infrastructure (PKI), and that the data has not changed since that time.

According to one embodiment, the card issuer server 200 can transmit a smart agreement, which is stored in an image form, to the authorized storage server 300 and apply for the time stamp seal. Accordingly, the transmitted smart agreement is stamped with a time stamp From the authorized storage server (300).

The card issuer server 200 may store an image of a smart agreement signed with a time stamp and transmit the image to the user terminal 100. [ In addition, the card issuer server 200 can retransmit the image of the smart agreement signed with the time stamp, which is stored based on the user information and the user terminal information, when a request for viewing the smart agreement made by the user is received from the user in the future.

The card issuer server 200 transmits an image of the smart agreement signed with the time stamp to the user terminal 100 while transmitting additional information such as the product introduction information to be promoted by the card company, Channel and so on.

If the smart consent form is not created within the predetermined time from the time when the card issuance application is received from the user or the URL address for connection to the smart consent form creation web page is transmitted within a predetermined time, It is possible to transmit information on the user terminal 100 that the card should be created upon receipt of the card. In addition, the card issuer server 200 can manage the web site so that the user can access the web site through the URL address received by the user when the predetermined time has passed.

The card issuer server 200 can transmit to the user terminal 100 information on benefits that the user can receive when creating the smart agreement within a predetermined period of time. According to one embodiment, the benefit may be a discount on the first month of the issued card, an increase in discounts of various discounts included in the card, a certain amount of cash back, an annual fee discount, and the like.

When the user creates a smart agreement within a predetermined period of time, the card company server 200 may apply some or all of the above benefits to the card issued by the user through the smart agreement.

The reason for providing the above benefits to the users who write the smart consent form is that if the smart consent form is not written, the consent form is sent together with the consent form at the time of card dispatch, and then collected and classified again by the card company, After that, it takes a lot of money to keep the consent form.

Hereinafter, a configuration of a card issuer server 200 according to an embodiment of the present invention will be described with reference to FIG. 2 is a block diagram illustrating an internal configuration of a card issuer server 200 according to an embodiment of the present invention.

The card issuer server 200 according to an embodiment of the present invention includes an issuance application management unit 210, a URL address management unit 220, a smart agreement collection unit 230, a time stamp seal management unit 240, a smart agreement transmission unit 250 A submission time confirmation unit 260, an additional benefit provisioning unit 261, a user authentication unit 270, a delivery management unit 280, a control unit 290, and a communication unit 292.

According to an embodiment of the present invention, the issuance application management unit 210, the URL address management unit 220, the smart agreement collection unit 230, the time stamp seal management unit 240, the smart agreement transfer unit 250, The user authentication unit 270, the delivery management unit 280, the control unit 290 and the communication unit 292 may be program modules or hardware capable of communicating with an external device . Such a program module or hardware may be included in the card issuer server 200 or other apparatus communicable therewith in the form of an operating system, an application program module and other program modules, and may be physically stored on various known memory devices . Such program modules or hardware, on the other hand, encompass but are not limited to routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types in accordance with the invention.

The issuance application management unit 210 according to one embodiment can receive the issuance application from the user, start the card issuance process, and determine whether to provide the smart agreement.

The issuance application management unit 210 can collect a recorded copy of the call content when the user indicates the card issuance intention through telemarketing, and can receive the customer information inputted by the telemarketer, the type information of the card to be issued, and the like.

When the issuance application management unit 210 receives the card issuance request, the issuance application management unit 210 may transmit a message to the user terminal 100 asking whether to create a smart agreement.

The URL address management unit 220 according to the embodiment may transmit a URL address associated with the smart consent creation web page to the user terminal 100 of the customer who requests the card issuance. The URL address management unit 220 can acquire the telephone number of the user terminal 100 from the information previously stored in the card issuer server 200. When the user provides his / her telephone number on the telephone or on the Internet You can also use this.

The URL address management unit 220 receives information on the type of card to be issued by the user from the issuance application management unit 210 and transmits the URL address of the web page linked to the consent form corresponding to the card to the user terminal 100).

The URL address management unit 220 can generate and send a unique URL address corresponding to each user terminal 100. [ The card issuer server 200 reduces the user's anxiety about the forgery of the agreement and the information leakage by using the unique URL address corresponding to each user terminal and the authentication number to be generated by the user authentication unit 270 to be described later .

The smart agreement collection unit 230 according to an exemplary embodiment may receive items input by a user who accesses a web page for creating a smart agreement through a URL address transmitted to the user terminal 100. [

Items entered by the user may be a mandatory check item in a consent form for issuing the card, a selection check item in which the consent is given to the user, a signature of the user, and the like.

The smart consensus collecting unit 230 may store the smart consent in the form of an image by combining the data of the check items selected by the user and the signature image of the user.

If the user does not select some of the required check items, the smart consensus collection unit 230 prevents the submission from being performed even if the button for submitting the smart consent form created by the user is pressed and notifies the user of the missing essential check item The message can be transmitted through the corresponding web page.

The time stamp seal management unit 240 according to an embodiment may request the time stamp seal by transmitting the smart agreement stored in the form of image to the public storage server 300.

The timestamp seal management unit 240 may store the smart consent form added with the time stamp seal sent by the authorized storage server 300 and may provide the smart consent form stored at the request of the user who created the smart consent form .

The smart agreement sender 250 according to an embodiment receives the smart agreement image stamped with the time stamp from the time stamp seal management unit 240 and transmits the smart agreement image to the user terminal 100.

The smart agreement transmission unit 250 transmits the smart agreement image stored in the time stamp seal management unit 240 to the user terminal 100 not only when the smart agreement is issued for the first time, , It is possible to perform a function of proving that the corresponding smart agreement is created by the user and that there are no changed parts after the specific time.

The smart agreement transferring unit 250 may transmit the smart agreement image stamped with the time stamp to the user terminal 100, together with the information that the card company wants to further inform the user.

For example, the information transmitted by the smart agreement transfer unit 250 together with the smart agreement image may include a message containing a thank-you note for writing a smart agreement, introduction information about other recommended products of the card company, and the like.

The submission time confirmation unit 260 according to the embodiment determines whether the smart agreement has been completed within a predetermined time from the time when the application for issuing the card is received from the user or the URL address for connection to the web page for making a smart agreement is transmitted can do.

For example, if a card company receives a smart agreement within 24 hours from the application time of the card issuance, the card issuance process is performed through the smart agreement, and if the smart agreement is not received within 24 hours, You can have your physical consent be shipped together with your card delivery. In this case, the submission time confirmation unit 260 compares the application time of the card issuance and the smart agreement receipt time, and if the 24 hours have elapsed, the time stamp seal management unit 240 and the smart agreement transfer unit 250 described above And the card issuing step may proceed to the step of delivering the physical consent form together with the card to the user as in the conventional case.

According to one embodiment, the submission time confirmation unit 260 may further include an additional benefit provision unit 261. [ When the smart grant form is received within the predetermined time from the time when the application for card issuance is received from the user or the URL address for connection to the smart agreement form creation web page is transmitted as described above, Benefits may be provided by written consent.

Benefits provided by the Benefit Offering 261 may include a discount on the first month of the issued card, an increase in discounts on the card, a cash back, an annual fee discount, and the like.

According to one embodiment, even when the smart agreement is available, the benefits provided by the user can be even greater if the user writes the smart agreement more quickly. For example, a smart consent form can be made within 24 hours from when the card issuance application is made so that the user can receive some of the above benefits at the time of writing a smart consent form, If you make a smart consent form quickly, you may be able to benefit from the time it takes to create a smart consent form by adding additional benefits.

By providing such a benefit, the card company can increase the utilization rate of the smart consent, thereby reducing the cost of the card issuance process which has been performed through the existing consent form.

The user authentication unit 270 according to the embodiment of the present invention generates an authentication number corresponding to the user terminal 100 and performs user authentication through the authentication number, thereby allowing a person other than the user who has applied for card issuance to perform smart authentication Can be prevented from being created.

The user authentication unit 270 accesses the smart consent form creation web page through the URL address transmitted from the user terminal 100 via the user terminal 100, checks the necessary check items, attaches his signature, When an attempt is made to submit through a consent button submission button or the like, the authentication number generated so as to correspond to the user terminal 100 is transmitted to the user terminal 100, and the smart consent submission can be made only when the user terminal 100 inputs the authentication number.

The reason why the customer confirmation can be performed through the authentication number by the user authentication unit 270 is that the user does not need the additional authentication device such as the official certificate due to the absence of the personal information of the customer .

The user authentication unit 270 may receive the user-specific information (CI: Connection Information) from the user terminal 100 instead of performing the user authentication using the authentication number, .

In the present invention, the URL address management unit 220 generates and transmits a unique URL address corresponding to each user terminal 100, and a configuration in which the user authentication unit 270 transmits an authentication The user who has applied for the card issuance can confirm whether or not the smart consent form has been created through the double confirmation of the configuration for receiving the number or the user specific information (CI: Connection Information).

The delivery management unit 280 according to an embodiment of the present invention can transmit the information of the card to be delivered to the delivery company server 400 and receive the delivery status and delivery completion information from the delivery company server 400. [

When the user who has applied for the card issuance has created the smart consent form, the delivery management unit 280 can transmit to the delivering company server 400 the information indicating that the card does not require the consent formation afterwards, If you do not write a smart consent form, you can send information that a post-mortem agreement must be delivered as in the previous method.

The control unit 290 according to an exemplary embodiment of the present invention includes an issuance application management unit 210, a URL address management unit 220, a smart agreement collection unit 230, a timestamp seal management unit 240, a smart agreement transmission unit 250, And may control the data flow between the confirmation unit 260, the additional benefit providing unit 261, the user authentication unit 270, the delivery control unit 280, and the communication unit 292. The control unit 290 includes an issuance application management unit 210, a URL address management unit 220, a smart agreement collection unit 230, a time stamp seal management unit 240, a smart agreement transmission unit 250, The time verification unit 260, the additional benefit provision unit 261, the user authentication unit 270, the delivery management unit 280, and the communication unit 292, respectively.

The communication unit 292 according to one embodiment enables communication between the card issuer server 200 and an external device. Specifically, communication between the card issuer server 200 and the user terminal 100, the authorized storage server 300, or the delivery company server 400 is enabled.

3 is a flowchart illustrating the steps of a smart agreement according to an exemplary embodiment of the present invention is created on a user terminal 100 and a step in which a card issuer server 200 implements a smart agreement, And schematically showing a step of stamping a stamp.

Referring to FIG. 3, a user who creates a smart agreement on the user terminal 100 can select a required check item on a web page for writing a smart agreement, submit his / her own signature, and then submit a smart agreement have. In this process, the user can confirm various kinds of information with a desired size through the enlargement function on the user terminal 100. Through the detailed view button as shown by the arrow displayed on the right side of the display unit of the user terminal 100, You can also check out the full description for.

When the user creates and submits a smart agreement, the card issuer server 200 can generate a smart agreement image through the information of the check items selected by the user and the user signature image. The smart agreement image generated by the card issuer server 200 may include the entire text of each selection item, and the terms of the card company may be included together.

The card issuer server 200 can receive the timestamp seal by transmitting the generated image of the smart consent to the authorized storage server 300. [ The authorized storage server 300 stamps the smart agreement received from the card issuer server with a time stamp. As shown in FIG. 3, the authorized storage server 300 stores an image stamped with a time stamp on the received smart agreement image and transmits it to the card issuing server 200 do.

4 is a flowchart illustrating a method of providing a smart agreement according to an embodiment of the present invention.

Referring to FIG. 4, the card issuer server 200 can receive a card issuance request from a user via a telephone or the Internet (S401). More specifically, the user information inputted by the telemarker who received the card application from the user on the telephone card server 200 and the card information to be issued or the information inputted by the user on the Internet is collected by the card company server 200 .

Thereafter, the card issuer server 200 may transmit the URL address of the web site for creating the smart agreement to the user terminal 100 (S402). The card issuer server 200 can generate and transmit a unique URL address corresponding to the user terminal 100 and connect the smart consent creation web site suitable for the type of card to which the user wants to be issued to the corresponding URL address.

The user who accesses the URL address received through the user terminal 100 checks the essential check items on the smart consent form, checks the desired check item, enters his signature and sends a smart consent form to the card issuer server 200 ).

The card issuer server 200 can determine whether or not the user creates and submits a smart agreement within a certain period of time from when the card issuance application is received from the user or when the URL address is transmitted to the user terminal 100 S403).

If the user does not write a smart agreement within a predetermined time, the card issuer server 200 may proceed with the card issuing process in a conventional manner in which a post-mortem agreement is attached when the card is sent to the user (S404).

Alternatively, if the user creates a smart agreement in a predetermined time and submits it to the card company server 200, the card company server 200 may generate an image of the smart agreement based on the smart agreement items created by the user (S405) .

The card issuer server 200 that has generated the smart agreement image can transmit the image to the public storage server 300 and receive the time stamp seal on the smart agreement image (S406).

The card company server 200 receiving the time stamp stamped smart agreement image can transmit the time stamped smart agreement image to the user terminal 100 (S407).

According to an exemplary embodiment, a user authentication step using an authentication number or user-specific information (CI) in the process of providing a smart agreement, and an additional benefit providing step according to the time the user has submitted a smart agreement can be added.

As described above, according to the embodiment of the present invention, the user can conveniently write a consent form for issuing the card through the smart consent form, and can save the cost required for dispatching and managing the consent form, . In addition, the timestamp can safely keep a consent form created by the user, and the user may have the advantage of always being able to confirm his / her written consent.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included within the scope of the present invention.

100: User terminal
200: card company server
300: Authorized Archive Server
400: Shippers server

Claims (16)

A method in which a card issuer server provides a smart agreement for issuing a card,
Receiving an application for issuing a card from a user over the telephone or the Internet;
Transmitting a URL address associated with a smart agreement creation web page to a user terminal;
If the smart agreement is not started within the predetermined time after the time of receiving the card issuance request or the time of transmitting the URL address to the user terminal, it is prohibited to create a smart agreement, and if the smart agreement is started within the predetermined time Confirming whether or not the essential items of the smart agreement are checked;
A smart consent form including a user signature is provided from the user terminal when the check of the required items is confirmed, ;
Transmitting the smart agreement to the authorized storage server and receiving a smart agreement with a time stamp stamped; And
And transmitting the smart agreement with the time stamp stamped to the user terminal. The method according to claim 1,
Wherein the URL address is a unique URL address generated for each user terminal. The method according to claim 1,
Wherein the smart consent form creation web page provides a consent form matching the type of card for which issuance is requested. delete The method according to claim 1,
Further comprising the step of providing an additional benefit for a card to be issued if the smart agreement is received within a predetermined period of time after receiving the issuance application or transmitting the URL address. The method according to claim 1,
Wherein the receiving the smart agreement from the user terminal comprises:
Transmitting an authentication number for user confirmation to the user terminal; And
Further comprising the step of receiving the authentication number together with the smart agreement. The method according to claim 1,
Wherein the receiving the smart agreement from the user terminal comprises:
Further comprising receiving user-specific information (CI) from the user terminal. The method according to claim 1,
Further comprising the step of transmitting information to the shippers' server that the recall of a post-consent form is not necessary at the time of dispatch of the card, to the card issuer server. A card company server for providing a smart agreement for issuing a card,
An issuance application management unit for receiving a card issuance request from a user terminal on the telephone or on the Internet;
A URL address management unit for transmitting a URL address associated with a smart agreement creation web page to the user terminal;
A submission time confirmation unit for blocking the creation of a smart agreement if the smart agreement is not started within a predetermined time after receiving the card issuance request or the time when the URL address is transmitted to the user terminal;
If it is determined that the required items are not checked after the smart agreement is started within the predetermined period of time, the subscriber rejects the smart consent and supports the delivery of the after-sales consent, and if the check of the essential items is confirmed, A smart consent collector for receiving a smart consent containing a user signature;
A timestamp seal management unit for transmitting the smart consent form to a public repository server and receiving a smart consent form in which a time stamp is stamped; And
And a smart agreement transferring unit for transferring the image of the smart agreement signed with the time stamp to the user terminal. 10. The method of claim 9,
Wherein the URL address management unit generates and transmits a unique URL address that is distinguished for each user terminal. 10. The method of claim 9,
Wherein the URL address management unit transmits a URL address associated with the smart consent form creation web page providing a consensus matching with the card type requested to be issued. delete 10. The method of claim 9,
Wherein the submission time confirming unit further includes an additional benefit providing unit for providing an additional benefit to the issued card when the smart agreement is received within a predetermined time from receiving the issuance application or transmitting the URL address. 10. The method of claim 9,
Further comprising a user authentication unit for transmitting an authentication number for user authentication to the user terminal and receiving the authentication number together with the smart agreement. 10. The method of claim 9,
Further comprising a user authentication unit for receiving user-specific information (CI) from the user terminal. 10. The method of claim 9,
Further comprising a delivery management unit for transmitting to the delivery company server information indicating that a follow-up agreement is not required at the time of delivering the card.

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