KR20170006685A - Server and method for commercial concierge service, system for providing commercial concierge servic and computer program for the same - Google Patents

Server and method for commercial concierge service, system for providing commercial concierge servic and computer program for the same Download PDF

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KR20170006685A
KR20170006685A KR1020150097685A KR20150097685A KR20170006685A KR 20170006685 A KR20170006685 A KR 20170006685A KR 1020150097685 A KR1020150097685 A KR 1020150097685A KR 20150097685 A KR20150097685 A KR 20150097685A KR 20170006685 A KR20170006685 A KR 20170006685A
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contract
document
face
terminal
related document
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KR1020150097685A
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Korean (ko)
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KR101730895B1 (en
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이진욱
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나이스신용정보 주식회사
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Third-party assisted
    • G06Q30/0619—Neutral agent
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/08—Auctions

Abstract

According to one embodiment of the present invention, a document receipt agent method comprises the following steps of: receiving contract data with respect to a non-face-to-face contract made by an applicant of an applicant terminal and a client in a non-facing manner, from the applicant terminal; transmitting at least a part of the received contract data with respect to the non-face-to-face contract to an agent terminal; receiving an image file with respect to a contract-related document corresponding to the contract data from the agent terminal; and when the image file is received, examining the contract-related document based on the contract data and treating the examination result within a predetermined examination processing period. The step of examination processing enables transmission of a re-write request message of the contract-related document to the agent terminal within the examination processing period if it is determined that the contract-related document has error, based on the examination result.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a document receiving agency server and method, a document delivery agency service providing system, and a computer program for the same. BACKGROUND OF THE INVENTION 1. Field of the Invention [

The present invention relates to a document receiving agency server and method, a system for providing document delivery service, and a computer program therefor, and more particularly, to a method and system for receiving a document related to a non-face-to- It is about the technology to perform inspection and acceptance processing.

Recently, with the rapid development of online trading technologies, the number of non-face-to-face agreements, both bilateral and multilateral, is increasing without face to face. Particularly, there are a variety of loan contracts (for example, loans) that are made in a wired or online manner in the recent financial field.

However, even if the contract is concluded in such a non-face-to-face manner, the contractor who has entered into a non-face-to-face contract with the customer must receive and keep the contract signed by the customer himself / herself for the related law or other reasons. As a result, even if the contract is concluded conveniently in a non-face-to-face manner, the customer himself / herself still has the inconvenience of having to sign a contract by filling out a contract with the contractor company's employees will be.

Conventionally, in order to facilitate the convenience of the customer, conventionally, the contracting company visits the visiting employee to the address of the customer, and the customer has himself / herself done so as to receive the handwritten signature. However, in the case of such a receipt of the visit, if the confirmation of the received contract is confirmed by the inspection staff, it is necessary to visit the visiting staff again to have the customer rewrite the contract, I have.

Japanese Patent Application Laid-Open No. 10-2004-0082879

Therefore, this specification allows the applicant to receive the documents related to the non-face-to-face contract conveniently and accurately, and the non-face-to-face contract documents to the non-face-to- A document reception agency server and method, a document reception agency service provision system, and a computer program therefor.

The document delivery server according to an embodiment transmits at least a part of the contract data for the non-face-to-face contract received from the applicant terminal to the agent terminal, and receives an image file of the contract related document corresponding to the contract data from the agency terminal A receiving / transmitting unit; And a certification processing unit for processing the verification result when the contract related document is verified based on the contract data within a preset verification processing period in response to receipt of the image file, And if it is determined that there is an error on the contract related document based on the verification result, the agent terminal can request re-creation of the contract related document within the verification processing period.

In one embodiment, the verification processing period may be the same or a short period of time during which the agent of the agent terminal and the client maintain the face-to-face state after the image file is received.

In one embodiment, the acceptance processing unit may set the acceptance processing period based on status information associated with maintenance of a face-to-face state with a customer received from the agent terminal.

In one embodiment, the verification processing unit may request confirmation of the contract related document by transmitting the image file to the applicant terminal if it is determined that there is no error on the contract related document based on the verification result.

In one embodiment, the transceiving unit receives an image file of a rewritten contract related document from the agency terminal, and the acceptance processing unit, in response to receipt of the image file of the rewritten contract related document, If the rewritten contract document is verified based on the contract data, the verification result can be processed.

In one embodiment, the transceiver receives an original of the contract related document from the agent terminal, and the acceptance processing unit, in response to receipt of the original of the contract related document, If the original documents are verified, the inspection result can be processed.

In one embodiment, the contract data includes customer information for the customer of the non-face-to-face contract and contract content information for the content of the non-face-to-face contract, and the document acceptance server comprises: And a terminal selection unit for selecting the agent terminal according to a preset reference based on the customer information in the contract data.

In an exemplary embodiment, the security processing unit may further include a security processing unit for performing security processing on a part or all of the contract data transmitted to the agent terminal.

In one embodiment, the image forming apparatus may further include a database (DB) storing the contract data received from the applicant terminal and the image file received from the agent terminal.

In one embodiment, the information processing apparatus may further include a progress status confirmation unit for confirming the progress status of the document reception agency based on the status information of each terminal received from the applicant terminal and the agent terminal.

The method includes receiving contract data for a non-face-to-face contract made by the applicant of the applicant terminal and a customer in a non-face-to-face manner from the applicant terminal; Transmitting at least a portion of the contract data for the received non-facing contract to the agent terminal; Receiving an image file of a contract related document corresponding to the contract data from the agent terminal; And a verification processing step of processing the verification result when the contract related document is verified based on the contract data within a predetermined verification processing period when the image file is received, wherein the verification processing step comprises: , It is possible to request the agent terminal to rewrite the contract related document within the verification processing period if it is determined that there is an error on the contract related document based on the contract document.

In one embodiment, the verification processing period may be the same or a short period of time during which the agent of the agent terminal and the client maintain the face-to-face state after the image file is received.

In one embodiment, the acceptance processing step may set the acceptance processing period based on state information associated with the face-to-face maintenance with the customer received from the agent terminal.

In one embodiment, the checking process may request confirmation of the contract related document by transmitting the image file to the applicant terminal if it is determined that there is no error on the contract related document based on the examination result have.

In one embodiment, the acceptance processing step may include receiving, when an image file of the re-created contract related document is received from the agent terminal, processing the acceptance result if the re-created contract related document is authenticated based on the contract data have.

In one embodiment, the acceptance processing step may process the acceptance result when the original of the contract related document is received based on the contract data, when the original of the contract related document is received from the agent terminal.

In one embodiment, the contract data includes contractual content information for the customer of the non-face-to-face contract and the content of the non-face-to-face contract, and upon receipt of the contract data, And selecting the agent terminal according to a preset reference based on the customer information in the contract data received from the applicant terminal before transmission to the agent terminal.

The document delivery service system according to an embodiment includes an applicant terminal configured to transmit contract data for a non-face-to-face contract made in a non-face-to-face manner with a customer; An agent terminal configured to receive at least a portion of the contract data and to transfer an image file of a contract related document corresponding to the contract data; And a transmitting unit that transmits at least a part of the contract data received from the applicant terminal to the agent terminal, and in response to receipt of the image file from the agent terminal, And a document reception agency server for processing a verification result when the contract related document is verified, wherein, if it is determined that there is an error on the contract related document based on the verification result, , And request the agent terminal to rewrite the contract related document.

In one embodiment, the verification processing period may be the same or a short period of time during which the agent of the agent terminal and the client maintain the face-to-face state after the image file is received.

A computer program stored in a medium according to an exemplary embodiment of the present invention includes a step of receiving agreement data on a non-face-to-face contract made by an applicant of the applicant terminal and a customer in a non-face-to-face manner from an applicant terminal, Transmitting at least a portion of the contract data for the received non-facing contract to the agent terminal; Receiving, from the agent terminal, an image file of a contract related document corresponding to the contract data; Executing a verification processing for processing a verification result when the contract related document is verified based on the contract data within a preset verification processing period when the image file is received, the computer program comprising: , If it is determined that there is an error on the contract related document based on the inspection result, the agent terminal can request re-creation of the contract related document within the inspection processing period.

According to the present specification, the image file of the contract related document is received before the original of the contract related document is received, and the acceptance processing of the contract related document is performed using the image file to promptly check the contract related document can do.

Further, according to the present specification, since the inspection of the contract related document corresponding to the image file and the transmission of the inspection result are performed while the document receiving agent and the customer are in a face-to-face state, , The document recipient can have the current facing customer rewrite the contract documents directly without having to visit the customer again.

Also, according to the present specification, for a single contract document, a first inspection is performed through an agent terminal in a face-to-face relationship with a customer, a second inspection is performed through a document receiving agency server based on an image file of a contract- And a third checking process through a document receiving agent server based on the original of the contract related documents while the face to face with the customer is canceled, thereby reducing the errors that may occur on the contract related documents.

Further, according to the present specification, when contract data is transmitted to the document reception agency terminal, only a part of the contract data is transmitted, or a part or all of the contract data is securely transmitted and transmitted, thereby infringing the privacy of the customer .

1 is a block diagram illustrating a schematic configuration of a document delivery service providing system according to an embodiment of the present invention.
FIG. 2 is a flowchart showing a method of receiving a document by a document receiving agency according to an embodiment of the present invention.
FIG. 3 illustrates a method of receiving a document by a document receiving agency server according to another embodiment of the present disclosure.
FIG. 4 illustrates exemplary steps of a verification procedure for a contract related document of FIG. 3 according to an embodiment of the present disclosure.
FIG. 5 illustrates a method of receiving a document by a document receiving agency server according to another embodiment of the present invention.
FIG. 6 illustrates how a document receiving agency server in accordance with another embodiment of the present disclosure performs document receipt.

Hereinafter, embodiments will be described in detail with reference to the accompanying drawings and the accompanying drawings, but the scope of the claims is not limited or limited by the embodiments.

As used herein, terms used in the present specification are selected from the general terms that are currently widely used, while taking into consideration the functions, but these may vary depending on the intention or custom of the artisan or the emergence of new techniques. Also, in certain cases, there may be a term selected by the applicant at will, in which case the meaning will be described in the description part of the corresponding specification. Therefore, it is intended that the terminology used herein should be interpreted based on the meaning of the term rather than on the name of the term, and on the entire contents of the specification.

1 is a block diagram showing a schematic configuration of a system (hereinafter referred to as " system ") for providing a document delivery service according to an embodiment of the present invention.

Referring to Figure 1, a system 100 includes one or more applicant terminals 11,12, ..., 1n, one or more agent terminals 31,32, ..., 3n, and a document receiving agency server 20, Face agreement between the one or more applicants and the customers of each applicant is received through one or more agencies and the acceptance and acceptance processing for the non-face-to-face contracts is received via the document acceptance server 20 .

The document receipt agency server 20 and the system 100 comprising it, according to embodiments, may be entirely hardware, or may be partially hardware, and partially software. For example, the document reception agency server 20 and the system 100 may collectively refer to a device for sending and receiving data of a specific format and contents by an electronic communication method and software related thereto. The terms "unit", "module", "server", "system", "device" or "terminal" in this specification are used to refer to a combination of hardware and software . For example, the hardware may be a data processing device comprising a CPU or other processor. Also, the software driven by the hardware may refer to a running process, an object, an executable, a thread of execution, a program, and the like.

In this specification, a non-face-to-face contract refers to any contract (or contract) that the customer has entered into in a non-facing manner with the applicant, such as, for example, (For example, a lending contract (or a contract) signed on an online basis or a wire / wireless line) in a non-face-to-face relationship with a rental company Rental contract (or parental contract), but is not limited thereto. In addition, documents related to non-face-to-face agreements (hereinafter referred to as "contract-related documents") refer to settlement documents related to non-face-to-face agreements signed by the customer and written by the customer. For example, But may be, but is not limited to, a face-to-face identification and a self-signed signed loan agreement or rental agreement.

In this specification, the applicant may be a financial company or a rental company that has previously filed a document delivery contract with the operating company of the document receiving agency server 20, for example, as an applicant for receiving the contract related documents. In addition, the agent may be a person who acts as an agent for receiving the contract-related documents requested by the applicant facing the customer, for example, a person who has a credentialed and authenticated contract with the operating company of the document receiving agent server 20 It may be the person in charge of receiving the documents. As such, if the agent is a credentialed and personally identifiable staff member, the credibility of the customer can be improved during the paperwork and the advantage of smooth self-study can be achieved. However, this is illustrative, and the kind of the applicant and the agent is not limited to the above.

The applicant terminal 11, 12, ..., 1n is a device of the applicant who submits an application for the receipt of the contract related documents to the document receiving agency server 20, for example, a server computer or any other computing device But is not limited thereto. In one embodiment, the applicant terminal 11, 12, ..., 1n submits contract data for a non-face-to-face contract to the document reception agency server 20 to request a document reception agency, Results and so on. In addition, the applicant terminals 11, 12, ..., 1n may periodically or non-periodically transmit the status information of the terminal (for example, status information associated with the progress of document receipt) to the document reception agency server 20 . At this time, a dedicated application (for example, a web application) provided by the operating company of the document reception agency server 20 can be installed in the applicant terminals 11, 12, ..., 1n, ..., 1n) can perform the above-described functions through the dedicated application.

The agent terminals 31, 32, ..., and 3n are devices of the agency that receive the contract-related documents requested by the applicant facing the customer, such as a smartphone, a personal digital assistant (PDA) But is not limited to, a mobile device such as a tablet. In one embodiment, the agent terminals 31, 32, ..., 3n receive at least a portion of the contract data from the document receiving agency server 20 and receive the documents in face-to-face with the customer based on the received contract data And transmits the image file of the received document and the status information on the progress of receiving the document to the document receiving agency server 20. The agent terminals 31, 32, ..., and 3n may be configured to periodically or non-periodically transmit status information of the terminal (for example, status information associated with the progress of receipt of documents, status information associated with maintaining face- To the document reception agency server 20. At this time, a dedicated application (for example, a mobile application) provided by the operating company of the document reception agency server 20 can be installed in the agency terminals 31, 32, ..., ..., 3n may perform the functions described above through the dedicated application.

The document reception agency server 20 is connected to the applicant terminals 11, 12 ... and 1n and the agency terminals 31, 32, ..., and 3n by a wired or wireless connection, As an apparatus, for example, it may be a server computer, but is not limited thereto. In one embodiment, the document reception agency server 20 includes a transmission / reception unit 21 and a verification processing unit 22.

Further, in one embodiment, the document reception agency server 20 may further include a database 23 (database: DB). The DB 23 may store the contract data received from the applicant terminal and the image file received from the agent terminal, but is not limited thereto. In addition, in one embodiment, the document reception agency server 20 may further include a terminal selection unit 24, a security processing unit 25, and a progress status confirmation unit 26. The terminal selection unit 24 can select an agent terminal according to a preset reference based on the customer information in the contract data received from the applicant terminal. The security processing unit 25 can perform security processing on part or all of the contract data transmitted to the agent terminal. The progress status verifying section 26 judges whether or not the document receiving agency 12 is on the basis of the status information of each terminal received from the applicant terminals 11, 12, ..., 1n and the agent terminals 31, 32, ..., It is possible to confirm the progress status and transmit information on the confirmed progress status to the applicant terminals 11, 12, ..., 1n and the agent terminals 31, 32, ..., 3n. Thus, the applicant terminals 11, 12, ..., 1n and the agent terminals 31, 32, ..., 3n can also confirm the progress of the paper receipt. Here, the progress state may include, but is not limited to, the progress of the document agent application acceptance progress, the agent assignment progress, the agent document receipt progress status, the verification progress status, and the acceptance completion progress status.

Each part constituting the document reception agency server 20 is not necessarily intended to refer to a separate component which is physically separated. 1, the transmission / reception unit 21, the verification processing unit 22, the DB 23, the terminal selection unit 24, the security processing unit 25, and the progress status confirmation unit 26 are separated into separate blocks But this is merely a functional separation of the devices constituting the server by the operations performed by the devices. Depending on the embodiment, some or all of the parts described above may be integrated in one and the same device, or may be implemented as separate devices physically separated from one or more additional other parts. For example, the transmission / reception unit 21, the verification processing unit 22, the DB 23, the terminal selection unit 24, the security processing unit 25, and the progress status confirmation unit 26 are components or components.

The document reception agency server 20 receives the contract data for the non-face contract from each applicant terminal 11, 12, ..., 1n and transmits at least a part of the received contract data to the agent terminals 31, 32, ..., 3n) to request receipt of contract documents. When an image file of the contract related document is received from the agent terminals 31, 32, ..., 3n, the document reception agency server 20 performs a verification processing on the contract related document corresponding to the image file on the basis of the contract data Can be performed within a predetermined time. The above process will be described later in detail with reference to FIG. 2 to FIG.

Hereinafter, the operation of the system 100 according to the embodiments and the document receiving agency method according to the embodiments will be described in more detail with reference to FIGS. 2 to 6. Hereinafter, embodiments will be described with reference to one applicant terminal and one agent terminal, but this description can be applied to the same or similar system including a plurality of applicant terminals and a plurality of agency terminals.

FIG. 2 is a flowchart showing a method of receiving a document by a document receiving agency according to an embodiment of the present invention. More specifically, FIG. 2 shows a step in which the document reception agency server 20, which is requested to act as agent for receiving documents from the applicant terminal 11, requests the agent terminal 31 to receive documents.

Referring to FIG. 2, the customer and the applicant can conclude a non-face-to-face contract using the customer terminal 1 and the applicant terminal 11 (S11). Here, the customer terminal 1 may be, for example, a mobile device such as a smart phone, or a personal computer, but is not limited thereto.

The applicant terminal 11 may transmit the receipt agency application of the contract related document (for example, the contract for the non-face contract) to the document receipt agency server 20 (S12). In one embodiment, the applicant terminal 11 transmits all or a part of the contract data (hereinafter, referred to as " contract data ") for the non-face contract to the document reception agency server 20, . Here, the contract data includes contract information (for example, customer name, customer's date of birth, customer's gender, customer address, and information on the customer's telephone number and the like) of the customer of the non- , Contract name, contract amount, contract term, interest rate, repayment method, and the like), but the present invention is not limited thereto. In one embodiment, the document reception agency server 20 can receive the contract data using the transceiver and store the received contract data in the DB.

In one embodiment, the document receipt agency server 20 can receive all or a part of the contract data from the applicant terminal 11 via a predetermined dedicated line when the contract between the applicant and the client is concluded. As described above, the document delivery proxy server 20 can receive the contract data from the applicant terminal 11 immediately upon contracting using the dedicated line, and therefore can quickly process the application for filing the receipt of the document of the applicant terminal 11 .

Upon receipt of the receipt application for the contract related document, the document receipt agency server 20 can select at least one of the one or more agency terminals (S13). In one embodiment, the document receipt agency server 20 can automatically or manually select one or more of the one or more agent terminals using the terminal selection unit. In this case, the document reception agency server 20 can select one or a plurality of terminals based on the preset reference based on the contract data. For example, the document reception agency server 20 can select one of the agent terminals 31 closest to the customer's address based on information on the customer address. In another example, the document delivery agent server 20 receives the agent address of the agent terminal 31 of the same agent as the sex of the customer (for example, female) among the agency terminals adjacent to the address of the customer based on the information on the customer address and the customer gender, Can be selected.

When the agent terminal 31 is selected, the document reception agency server 20 can request the agent terminal 31 to receive the contract related document (S14). In one embodiment, the document receipt agency server 20 can request receipt of the contract related document by transmitting at least a part of the contract data to the agent terminal 31 using the transceiver. At this time, at least a part of the contract data includes at least a part of the customer information (for example, a customer name, a customer address , Customer telephone number) and a part of the contract content information (e.g., contract name, contract amount, contract period), but is not limited thereto.

In one embodiment, the document reception agency server 20 can securely process all or a part of the contract data transmitted using the security processing unit 25 and transmit it to the agent terminal 31. For example, the document reception agency server 20 may securely process the customer telephone number, for example, convert the customer telephone number into the secure number and transmit the secure telephone number to the agent terminal 31. [ As a result, it is possible to prevent excessive exposure of the customer's personal information to the agent, thereby preventing the privacy invasion of the customer.

When the request for receipt of the contract related document is received, the agent terminal 31 can transmit a message to the document reception agency server 20 to approve the receipt request of the contract related document (S15). For example, the agent terminal 31 may send a message to approve the document receipt request or a message that does not approve the document receipt request to the document receipt agency server 20.

After the transmission of the message for accepting the document receipt request, the agent can request the customer to use the agent terminal 31 (S16). In one embodiment, the agent may request a face-to-face with the customer using the received contract data (e.g., a customer telephone number or a secure number). For example, the agent can request the customer to confront the customer terminal 1 by making a call to the customer terminal 1 using the relief number of the agent terminal 31 or by sending an SMS message to the relief number of the customer terminal 1, But is not limited thereto. When the security number is used in this way, it is possible to prevent the telephone number of the customer and the agent from being leaked, thereby preventing the outflow of personal information of the customer and the agent.

When the face-to-face request is received, the customer can use the customer terminal 1 to send a message to the agent terminal 31 about whether to approve the face-to-face request (S17). For example, the customer terminal 1 may send a message to approve the face-to-face request or a message that does not approve the face-to-face request to the agent terminal 31.

When a message acknowledging the face-to-face request is received, the agent terminal 31 may send information (e.g., visit time, place of visit, etc.) associated with the face-to-face approval to the document reception agency server 20. Thus, the document reception agency server 20 can confirm the progress of the document receipt by the agent terminal 31. [ When a message is received that does not approve the face-to-face request, the agent terminal 31 may send the information associated with the face-to-face unauthorized persons (e.g., no-visit reason, customer telephone number error, etc.) to the document reception agency server 20. In this case, the document reception agency server 20 can perform appropriate processing according to the received information. For example, the document reception agency server 20 can correct the erroneous customer telephone number and transmit the corrected customer telephone number to the agent terminal 31. [

When a message acknowledging the face-to-face request is received, the agent can receive the contract-related documents to face the customer (S18). In this case, the agent can verify the identity of the agent himself or herself and face the customer at the specified visit time and place, and then perform the identity verification process for the customer. At this time, the agent can confirm the identity of the customer based on the received contract data (for example, the customer name and the date of birth of the customer) to perform the identity verification process for the customer. In addition, the agent can make the contracted document (for example, the original contract) and sign it by hand to the confirmed customer. At this time, the agent can determine the format of the contract related document to be created by the customer based on the received contract data (for example, contract name). In one embodiment, the agent can download a form of the contract related document from the document collection agency server 20 via the agent terminal 31. [

Further, the agent performs verification of the identity of the principal and verification of the contract-related documents that have been verified by using the contract data (S19), and generates an image file (hereinafter referred to as " image file " (S20). Here, the image file may be a simple copy of the contract related document, but it is not limited thereto. In some embodiments, the image file may be an electronic document having the same effect as the original of the contract related document. In one embodiment, an agent may generate an image file by photographing or scanning contract documents. For example, the agent can generate the image file by photographing the contract-related document using the camera of the agent terminal 31 or by scanning the contract-related document using a separate portable scanner, but the present invention is not limited thereto. At this time, the generated image file may be an image file of various formats (e.g., JPG, PDF, etc.).

When the image file is generated, the agent terminal 31 can transmit the image file to the document reception agency server 20. [ Thereafter, the document receiving agency server 20 can perform the acceptance processing on the contract related document corresponding to the image file within a predetermined period using the acceptance processing section 22. [ This will be described in detail below with reference to Figs.

FIG. 3 illustrates a method of receiving a document by a document receiving agency server according to another embodiment of the present disclosure. More specifically, FIG. 3 shows a step in which the document receipt proxy server 20 carries out a check process for a contract related document and requests the applicant terminal 11 to confirm the contract related document. 4 also shows an exemplary step of the procedure for the document receiving agency server of FIG. 3 to perform the verification of the contract related documents according to one embodiment of the present disclosure.

Referring to FIG. 3, the agent terminal 31 may request the document reception agency server 20 to inspect the contract related documents (S21). In one embodiment, the agent terminal 31 may send an image file to the document receiving agency server 20, thereby requesting verification of the contract related document corresponding to the image file. In one embodiment, the agent terminal 31 may send a face-to-face maintenance message, which is in face-to-face relationship with the customer, to the document receipt agency server 20 along with the image file. Also, the agent terminal 31 may periodically transmit the face-to-face maintenance message to the document reception agency server 20 while maintaining the face-to-face state.

In response to the receipt of the image file, the document reception agency server 20 can inspect the contract related document within the preset verification processing period using the verification processing unit 25 (S22). Here, inspection is the process of examining the format, sufficiency, accuracy, and whether or not the document is falsified, and checking whether the document is in error.

Referring to FIG. 4, a description will be made of a verification procedure for the contract related document. The document reception proxy server 20 can check the contract related document corresponding to the image file based on the contract data (S22-1 ). In one embodiment, the document receipt agency server 20 can read the contract file by reading the image file and comparing the read information with the contract data. In another embodiment, the document receiving agency server 20 can accept the contract related documents by receiving the confirmation message for the verification performed by the inspector of the inspector terminal (not shown) connected to the document reception agency server 20 have. At this time, the document receipt agency server 20 can receive inspection messages for checks performed by a plurality of checkers (for example, a general employee, a manager) and reduce the inspection errors by processing the contract related documents.

In one embodiment, the document delivery proxy server 20 can check documents related to the contract within a predetermined verification processing period, and transmit the verification result to the agent terminal 31. [ Here, the verification processing period refers to a period during which the document proxy server checks the document and transmits the verification result. In one embodiment, the verification processing period may be the same or a short period of time during which the agent and the customer remain in a face-to-face relationship after the image file is received. Here, the same includes the meaning substantially the same. In this case, the document reception agency server 20 must inspect the document during the verification processing period, and the agent of the agent terminal 31 must maintain the confrontation state with the customer for the same or longer period of time than the verification processing period. In one embodiment, the document receipt agency server 20 can set the acceptance processing period based on the status information associated with the face-to-face maintenance with the customer received from the agent terminal 31. [ For example, the document reception agency server 20 may receive the image file from the agent terminal 31 for a period from the time when the document reception agency server 20 receives the image file from the agent terminal 31 until the first time (for example, 10 minutes) 31) may be set in advance as a verification processing period, but the present invention is not limited thereto.

In one embodiment, the document receiving agency terminal can judge whether there is an error in the contract related document based on the inspection result (S22-2). If there is an error in the contract related document, the document receiving agency server 20 may generate a contract related document rewrite message (or a "rewrite request message") requesting rewriting of the contract related document ( S22-3). In addition, if there is no error on the contract related document, the face-to-face cancellation message can be generated (S22-4). The message thus generated may be transmitted to the agent terminal 31 together with the verification result or as the verification result, as will be described below. However, this is an exemplary one, and steps (S22-3) and (S22-4) may be omitted.

When the contract related documents are verified, the document receiving agency server 20 can transmit the verification result of the contract related document to the agent terminal 31 within the verification processing period (S23).

If there is no error on the contract related document, the document receiving agency server 20 can transmit the acceptance result to the agent terminal 31 that there is no error in the contract related document. In this case, the agent terminal 31 can automatically delete the received contract data. By doing so, the customer's personal information can be protected. In one embodiment, the document receipt agency server 20 can transmit the generated face-to-face release message to the agent terminal 31 together with the check result or in place of the check result. When the face-to-face release message is received, the agent of the agent terminal 31 can release the face-to-face relationship with the customer.

If there is an error in the contract related document, the document receiving agency server 20 can transmit the verification result that the contract related document is in error to the agent terminal 31. In this case, the document reception agency server 20 may transmit the generated contract related document rewrite message to the agent terminal 31 together with or in place of the verification result. As described above, since the inspection and re-creation request is made by the document reception agency server 20 during the inspection processing period in which the agent and the customer are kept in the face-to-face state, if there is an error in the contract related document, The customer has the advantage of being able to re-create the original contract immediately. This will be described in detail below with reference to FIG.

In addition, the document reception agency server 20 may request confirmation of the contract related document (S24). In one embodiment, the document reception agency server 20 can request the confirmation of the contract related document corresponding to the image file by sending the image file to the applicant terminal 11. [ When confirmation of the contract related document is requested, the applicant terminal 11 can confirm the contract related document (S25). At this time, the confirmation of the contract related documents can be performed by the same procedure as the verification of the contract related documents by the document reception agency server 20, but is not limited thereto. When the contract related document is confirmed, the applicant terminal 11 can transmit the confirmation result of the contract related document to the document reception agency server 20 (S26). Further, the document reception agency server 20 can transmit the same confirmation result to the agent terminal 31 (S27).

If there is an error in the contract related document, the applicant terminal 11 can transmit the confirmation result to the document receiving agency 20 that the contract related document is in error. In this case, the document reception proxy server 20 may transmit a message requesting the agent terminal 31 to rewrite the contract related document, together with the confirmation result or in place of the confirmation result.

If there is no error in the contract related document, the applicant terminal 11 can transmit the confirmation result to the document receiving agency server 20 that the contract related document is error free. In this case, the document reception agency server 20 may transmit a message requesting transmission of the original of the contract related document to the agent terminal 31 together with the confirmation result or in place of the confirmation result. This will be described in detail below with reference to Fig. However, each of the above-described steps is exemplary and, depending on the embodiment, steps S24 to S27 may be omitted.

FIG. 5 illustrates a method of receiving a document by a document receiving agency server according to another embodiment of the present invention. More specifically, FIG. 5 shows an example in which, when there is an error in the contract related document, the document receiving agency server 20 requests the agent terminal 31 to re-create the contract related document, ≪ / RTI > In FIG. 5, the detailed description of the overlapping portions with those described in FIGS. 1 to 4 will be omitted.

Referring to FIG. 5, the agent terminal 31 may request the document receiving agency server 20 to inspect the contract related documents (S31). In one embodiment, the agent terminal 31 may send an image file to the document receiving agency server 20, thereby requesting verification of the contract related document corresponding to the image file.

In response to receiving the image file, the document reception agency server 20 can inspect the contract related document (S32). In one embodiment, the document receipt agency server 20 can inspect the contract related document corresponding to the image file within the preset acceptance processing period based on the contract data.

When the contract related document is verified, the document receiving agency server 20 can transmit the verification result of the contract related document to the agent terminal 31 within the verification processing period (S33). As a result of the inspection, if there is an error on the contract related document, the document receiving agency server 20 can transmit the verification result that the contract related document is in error to the agent terminal 31. In this case, the document receipt agency server 20 can transmit the contract related document rewrite message to the agent terminal 31 together with or in place of the above-mentioned check result. As described above with reference to FIG. 4, this inspection (S32) and the rewrite request (S33) can be performed by the document receiving agency server 20 during the inspection processing period in which the agent and the customer maintain face-to-face contact.

When the contract related document rewrite message is received, the agent of the agent terminal 31 can let the customer rewrite the contract related document and receive the rewritten contract related document (S34). As described above, since the inspection procedure of the step S32 and the inspection result transmission procedure of the step S33 are performed while the agent and the customer are confronted with each other, if there is an error in the contract related documents, The advantage is that customers who are in face-to-face contact without having to do so can immediately rewrite the original contract.

If the rewritten contract document is received, the agent can re-review the rewritten contract document using the contract data, and regenerate the image file of the re-reviewed contract document (S35). Thereafter, the agent terminal 31 may request the document reception agency server 20 to re-examine the contract related document (S36). In one embodiment, the agent terminal 31 may request retrial of the contract related document corresponding to the image file by retransmitting the image file to the document reception agency server 20. [

In response to the image file being received, the document receiving agency server 20 can re-examine the contract related document (S37). In one embodiment, the document receipt agency server 20 can re-examine the contract related document corresponding to the image file on the basis of the contract data within a preset confirmation processing period.

When the contract related document is re-examined, the document receiving agency server 20 can transmit the re-examination result of the contract related document to the agent terminal 31 within the verification processing period (S38). As a result of the re-examination, if there is an error in the contract related document, the document receiving agency server 20 can transmit the verification result that the contract related document is in error to the agent terminal 31. In this case, the document receipt agency server 20 can transmit the contract related document rewrite message to the agent terminal 31 together with or in place of the above-mentioned check result. In this case, steps S34 to S37 may be performed again.

If there is no error on the contract related document, the document receiving agency server 20 can transmit the acceptance result to the agent terminal 31 that there is no error in the contract related document. In this case, the document reception agency server 20 may request the applicant terminal 11 to confirm the contract related document (S39). In one embodiment, the document reception agency server 20 can request the confirmation of the contract related document corresponding to the image file by sending the image file to the applicant terminal 11. [

When confirmation of the contract related document is requested, the applicant terminal 11 can confirm the contract related document. At this time, the confirmation of the contract related documents can be performed by the same procedure as the verification of the contract related documents by the document reception agency server 20, but is not limited thereto. When the contract related document is confirmed, the applicant terminal 11 can transmit the confirmation result of the contract related document to the document reception agency server 20. [ Further, the document reception agency server 20 can transmit the same confirmation result to the agent terminal 31. [ At this time, if there is an error in the contract related document, steps S34 to S39 may be performed again. In addition, if there is no mistake in the contract documents, the original document of the contract documents can be transferred and validated. This will be described in detail below with reference to Fig.

FIG. 6 illustrates how a document receiving agency server in accordance with another embodiment of the present disclosure performs document receipt. More specifically, FIG. 6 shows a step in which the document delivery proxy server 20 performs the verification processing of the original of the contract related document and requests the applicant terminal 11 to confirm the original of the contract related document.

Referring to FIG. 6, the agent terminal 31 may request the document reception agency server 20 to inspect the original of the contract related document (S41). In one embodiment, the agent of the agent terminal 31 can request the inspection of the original of the contract related document by transmitting the original of the contract related document to the operating company of the document reception agency server 20 at a predetermined cycle. For example, the agent may send an original of the contract related document received in a one-month cycle to the operating company of the document receiving agency server 20 by mail, or convert the contract related document into an electronic document having the same effect as the original, The electronic document may be transmitted by an electronic transmission method, but is not limited thereto.

In response to receiving the original of the contract related document, the document receipt agency server 20 can inspect the original of the contract related document (S42). At this time, the original inspection may be performed in the same or similar manner as the inspection based on the image file described in Figs. For example, the document receipt agency server 20 can check the original of the contract related document by receiving the confirmation message for the inspection performed by the inspector of the inspector terminal connected to the document reception agency server 20. [ At this time, the document receipt agency server 20 can receive inspection messages for checks performed by a plurality of checkers (for example, a general employee, a manager) and check the contract related documents to prevent inspection errors. As another example, the document delivery proxy server 20 can read the electronic document having the same effect as the original and compare the read information with the contract data, thereby validating the original of the contract related document.

When the original of the contract related document is verified, the document receiving agency server 20 can transmit the verification result of the original of the contract related document to the agent terminal 31 (S43). In one embodiment, the document receiving agency terminal can determine whether there is an error in the original of the contract related document based on the inspection result. If there is an error on the origin of the contract related document, the document receiving agency server 20 may generate a contract related document rewrite message requesting rewriting of the contract related document. The message thus generated may be transmitted to the agent terminal 31 together with the verification result or as the verification result, as will be described below.

If there is no error on the original of the contract related document, the document receiving agency server 20 can transmit the verification result to the agent terminal 31 that there is no error in the original of the contract related document. If there is an error in the original of the contract related document, the document receiving agency server 20 can transmit the verification result that the original of the contract related document is in error to the agent terminal 31. In this case, the document reception agency server 20 may transmit the contract related document rewrite message to the agent terminal 31 together with the verification result or in place of the verification result.

If there is no error on the original of the contract related document, the document reception agency server 20 may request confirmation of the contract related document (S44). In one embodiment, the document receipt agency server 20 can send an original of the contract related document to the applicant terminal 11 to request confirmation of the original of the contract related document. When confirmation of the original of the contract related document is requested, the applicant terminal 11 can confirm the original of the contract related document (S25). At this time, the confirmation of the original of the contract related document may be performed in the same procedure as the verification of the contract related document by the document reception proxy server 20, but is not limited thereto. When the original of the contract related document is confirmed, the applicant terminal 11 can transmit the confirmation result of the original of the contract related document to the document reception agency server 20 (S46). Further, the document reception agency server 20 can transmit the same confirmation result to the agent terminal 31 (S47).

As a result of the confirmation, if there is an error in the original of the contract related document, the applicant terminal 11 can transmit a confirmation result to the document reception proxy server 20 that the original of the contract related document is in error. In this case, the document reception proxy server 20 may transmit a message requesting the agent terminal 31 to rewrite the contract related document, together with the confirmation result or in place of the confirmation result. As a result of the confirmation, if there is no error in the original of the contract related document, the applicant terminal 11 can transmit a confirmation result to the document reception agency server 20 that there is no error in the original of the contract related document. In this case, the applicant of the applicant terminal 11 may keep the original of the contract document in the form of an electronic document or the original document itself.

As described above, the system includes a document acceptance server 20 and an applicant terminal 20, which are based on an image file of a contract related document, a first verification through an agent terminal 31 of an agent in a face- 11), and a third inspection through the document collection server 20 and the applicant based on the original of the contract documents, thereby reducing the errors that may occur on the contract documents .

However, the above-described steps are exemplary and, depending on the embodiment, the processes of steps S44 to S47 may be omitted. That is, the operating company of the document reception agency server 20 can store the original document for the contract related document.

In addition, the method of receiving document receipt using the document receiving agency server according to the above-described embodiments can be at least partially implemented in a computer program and recorded in a computer-readable recording medium. In the recording medium according to the embodiments, a program for implementing the document reception agency method is recorded, and the recording medium includes any kind of recording apparatus in which data that can be read by a computer can be stored. For example, the computer-readable recording medium includes a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like, and also includes a carrier wave (for example, And the like. The computer readable recording medium may also be distributed over a networked computer system so that computer readable code is stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the present embodiment may be easily understood by those skilled in the art to which this embodiment belongs.

While the invention has been shown and described with reference to certain embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. However, it should be understood that such modifications are within the technical scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

Claims (20)

A transceiver for transmitting at least a part of the contract data for the non-face-to-face contract received from the applicant terminal to the agent terminal and receiving an image file of the contract related document corresponding to the contract data from the agent terminal; And
And a verification processing unit for processing the verification result if the contract related document is verified based on the contract data within a preset verification processing period in response to receipt of the image file,
The acceptance processing unit transmits a rewrite request message of the contract related document to the agent terminal within the acceptance processing period if it is determined that there is an error on the contract related document based on the verification result, server. The method according to claim 1,
Wherein the verification processing period is the same or shorter than a period in which the agent of the agent terminal and the client maintain the face-to-face state after the image file is received. The method according to claim 1,
The verification processing unit,
And sets the acceptance processing period on the basis of status information associated with maintenance of a face-to-face state with a customer received from the agent terminal. The method according to claim 1,
The verification processing unit,
And requests the confirmation of the contract related document by transmitting the image file to the applicant terminal if it is determined that there is no error on the contract related document based on the inspection result. The method according to claim 1,
The transmitting /
Receiving an image file of the rewritten contract related document from the agency terminal,
The verification processing unit,
And in response to receipt of an image file of the rewritten contract related document, processing the acceptance result when the rewritten contract related document is verified based on the contract data. The method according to claim 1,
The transmitting /
Receiving an original of the contract related document from the agent terminal,
The verification processing unit,
And in response to receipt of the original of the contract related document, processing the acceptance result when the original of the contract related document is verified based on the contract data. The method according to claim 1,
The contract data includes:
Customer information on the customer of the non-face-to-face contract and contract content information on the content of the non-face-to-face contract,
The document reception agency server,
Further comprising a terminal selection unit that selects the agent terminal according to a preset reference based on the customer information in the contract data received from the applicant terminal. The method according to claim 1,
Further comprising a security processing unit for performing security processing on part or all of the contract data transmitted to the agent terminal. The method according to claim 1,
Further comprising a database (DB) for storing the contract data received from the applicant terminal and the image file received from the agent terminal. The method according to claim 1,
A progress status confirmation unit for confirming the progress status of the document reception agency on the basis of the status information of each terminal received from the applicant terminal and the agent terminal and transmitting the information on the confirmed progress status to the applicant terminal and the agent terminal Includes a document collection server. Receiving contract data for a non-face-to-face contract from an applicant terminal;
Transmitting at least a portion of the contract data for the received non-facing contract to the agent terminal;
Receiving an image file of a contract related document corresponding to the contract data from the agent terminal;
And a verification process of processing the verification result when the contract related document is verified based on the contract data within a preset verification processing period when the image file is received,
Wherein the acceptance processing step comprises:
And a rewrite request message of the contract related document is transmitted to the agent terminal within the verification processing period if it is determined that there is an error on the contract related document based on the verification result. 12. The method of claim 11,
Wherein the acceptance processing period is the same or a short period as a period during which the agent of the agent terminal and the customer are in a face-to-face state after the image file is received. 12. The method of claim 11,
Wherein the acceptance processing step comprises:
And sets the acceptance processing period on the basis of status information associated with maintenance of a face-to-face state with a customer received from the agent terminal. 12. The method of claim 11,
Wherein the acceptance processing step comprises:
And requests the confirmation of the contract related document by transmitting the image file to the applicant terminal if it is determined that there is no error on the contract related document based on the examination result. 12. The method of claim 11,
Wherein the acceptance processing step comprises:
And upon receipt of an image file of the rewritten contract related document from the agency terminal, processing the verification result when the rewritten contract related document is verified based on the contract data. 12. The method of claim 11,
Wherein the acceptance processing step comprises:
And when the original of the contract related document is received from the agent terminal, the verification result is processed if the original of the contract related document is checked based on the contract data. 12. The method of claim 11,
The contract data includes:
Customer information on the customer of the non-face-to-face contract and contract content information on the content of the non-face-to-face contract,
Selecting the agent terminal according to a preset reference based on customer information in the contract data received from the applicant terminal before transmitting at least a part of the contract data to the agent terminal Further comprising the steps of: An applicant terminal configured to transmit contract data for a non-facing contract;
An agent terminal configured to receive at least a portion of the contract data and to transfer an image file of a contract related document corresponding to the contract data; And
Wherein the image data processing apparatus transmits at least a part of the contract data received from the applicant terminal to the agent terminal, and in response to receipt of the image file from the agent terminal, And a document collection server for processing the verification result when the related documents are verified,
And the document delivery proxy server transmits a re-creation request message of the contract related document to the agent terminal within the verification processing period if it is determined that there is an error on the contract related document based on the verification result Receiving agency service system. 19. The method of claim 18,
Wherein the acceptance processing period is the same or a short period as a period during which the agent of the agent terminal and the customer are in a face-to-face state after the image file is received. Combined with hardware,
Receiving contract data for a non-face-to-face contract from an applicant terminal;
Transmitting at least a portion of the contract data for the received non-facing contract to the agent terminal;
Receiving, from the agent terminal, an image file of a contract related document corresponding to the contract data;
And executing acceptance processing for processing the acceptance result when the contract related document is authenticated based on the contract data within a preset acceptance processing period when the image file is received,
Wherein the acceptance processing step comprises:
And transmits a rewrite request message of the contract related document to the agent terminal within the verification processing period if it is determined that there is an error on the contract related document based on the verification result.
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KR20040082879A (en) 2003-03-20 2004-09-30 아프로파이낸셜그룹 주식회사 Online lending service using mobile phone and automatic response system and method for employing thereof

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