System and method for processing indemnification agreement, and computer program therefor

Abstract

A system for processing an indemnification agreement comprises: a setting module configured to receive, from a supplier, an indemnification agreement form information defining the range of liability corresponding to benefits provided by the supplier and provide notification information corresponding to the indemnification agreement form information to a consumer; an authentication module configured to receive authentication information corresponding to the consumer by communicating with a user device of the consumer; a contract module configured to, after the notification information is provided to the consumer and the authentication information is received from the consumer, receive agreement information corresponding to the indemnification agreement from information from the user device and store the indemnification agreement form information and the agreement information in association with each other; and a database configured to store the indemnification agreement form information and the agreement information that are interrelated. At this time, the notification information includes one or more of text data, image data, and sound data indicating a potential risk corresponding to benefits provided by the supplier.

Description

System and method for processing waiver consent and computer program therefor

[0001] The embodiments relate to a system and method for processing waiver consent, and a computer program therefor. More specifically, the embodiments relate to a technology that provides consumers using a provider's services with information about potential risks through various methods, such as text messages, link transmissions, QR codes, web pages, and kiosks, and enables consumers to electronically sign waiver consent forms by recognizing the potential risks and acknowledging their voluntary participation.

[0002] Safety issues are becoming increasingly important in leisure activities involving physical activity. Recently, corporate, government, and local government events are often held at leisure facilities such as water parks and ski resorts. However, it's impossible for service providers to assume responsibility for all consumer discretionary activities in various leisure activities. Therefore, the use of disclaimers, which explicitly state in advance that the provider is not responsible for a certain range of activities and obtain consumer consent, is increasing.

[0003] The traditional method of using a waiver is for the consumer to sign a written waiver prepared by the supplier with a pen and then keep it. However, this method presents the inconvenience of requiring the supplier to keep a paper waiver. Furthermore, even after obtaining a signed waiver, it's often difficult to verify the contents of the agreement later due to smudges from the pen or the consumer's handwriting.

[0004] Recently, thanks to advancements in information and communication technology, contracts are sometimes concluded via ICT devices. For example, Korean Patent No. 10-2028810 discloses technology that enables insurance product design and subscription using an online messenger chatbot. However, in prior technologies, including those disclosed in Korean Patent No. 10-2028810, procedures performed via ICT devices are primarily limited to specific areas, such as telecommunications services or the subscription or cancellation of insurance products.

[0005] In other words, even when contracts between suppliers and consumers are concluded electronically, if the supplier's services involve potential risks and require consumer consent, the process of consenting to the supplier's liability waiver is typically accomplished by the consumer signing a written waiver form. Even if an image identical to the written waiver form is displayed on the screen and the consumer signs via touch input, this merely replicates the existing written consent process on the screen. Therefore, it has limitations in that processes such as notifying the consumer of potential risks or verifying their identity cannot be performed remotely.

[0006] According to one aspect of the present invention, a system and method for processing a waiver agreement, which can provide notification information on potential risks to consumers using a provider's service through various methods such as text messages, link transmissions, QR codes, web pages, and kiosks, and enable consumers to electronically process information by recognizing potential risks and acknowledging voluntary participation and signing a waiver agreement, can be provided, as well as a computer program therefor.

[0007] A waiver consent processing system according to one aspect of the present invention includes: a setting module configured to receive waiver consent information defining a scope of responsibility corresponding to a benefit provided by the provider from a supplier, and to provide notification information corresponding to the waiver consent information to a consumer; an authentication module configured to receive authentication information corresponding to the consumer by communicating with a user device of the consumer; a contract module configured to receive consent information corresponding to the waiver consent information from the user device after the notification information is provided to the consumer and the authentication information is received from the consumer, and to store the waiver consent information and the consent information in a manner of interrelating them; and a database configured to store the waiver consent information and the consent information in interrelation.

[0008] At this time, the notification information includes at least one of text data, image data, and sound data indicating a potential risk corresponding to the benefit provided by the supplier.

[0009] In one embodiment, the configuration module includes a receiving unit configured to receive the waiver information including text data from the supplier; a natural language analysis unit configured to determine one or more risk factors corresponding to the scope of responsibility of the waiver information through analysis of the text data of the waiver information; a notification information generation unit configured to store one or more preset unit notification data and generate the notification information by combining the unit notification data corresponding to the one or more risk factors; and a transmitting unit configured to provide the notification information to the user device.

[0010] In another embodiment, the setting module includes a receiving unit configured to receive service information including text data from the provider; a natural language analysis unit configured to determine one or more liability factors corresponding to the service provided by the provider through analysis of the text data of the service information; and a disclaimer generation unit configured to store one or more preset disclaimer data and generate the disclaimer information by combining the disclaimer data corresponding to the one or more liability factors.

[0011] In one embodiment, the contract module is further configured to, in response to receiving the consent information, record a transaction including first wallet address data corresponding to the supplier, second wallet address data corresponding to the consumer, and hash data corresponding to the disclaimer information in a data block on the blockchain network. The database is further configured to store the disclaimer information and a transaction identifier of the transaction.

[0012] In one embodiment, the contract module includes a receiving unit configured to receive a confirmation request for at least one of the exemption consent information and the consent information from an external server; an authentication unit configured to request consent to provide exemption information to at least one of the supplier and the consumer in response to receiving the confirmation request; and a transmitting unit configured to provide the exemption consent information stored in the database and the consent information corresponding to the exemption consent information to the external server in response to receiving the consent to provide the exemption information to the authentication unit.

[0013] A method for processing a waiver of liability according to one aspect of the present invention comprises: a step in which a waiver of liability processing system receives waiver of liability information defining a scope of liability corresponding to a benefit provided by the provider from a supplier; a step in which the waiver of liability processing system provides notice information corresponding to the waiver of liability information to a consumer; a step in which the waiver of liability processing system receives authentication information corresponding to the consumer by communicating with a user device of the consumer; a step in which the waiver of liability processing system receives consent information corresponding to the waiver of liability information from a user device after the notice information is provided to the consumer and the authentication information is received from the user device; and a step in which the waiver of liability processing system correlates the waiver of liability information and the consent information and stores them in the waiver of liability processing system.

[0014] A computer program according to one aspect of the present invention may be stored in a computer-readable recording medium for executing the exemption consent processing method according to the above-described embodiments in combination with hardware.

[0015] According to a system and method for processing waiver consent according to one aspect of the present invention, a consumer can confirm a waiver consent form related to a supplier's service without face-to-face contact through personal information authentication and express his or her intention to consent to the waiver consent form through an electronic signature or the like, and since the waiver consent form and the consumer's consent information thereto are stored in the form of electronic data, there is an advantage in that storage and confirmation are easy.

[0016] The system and method for processing waiver consent according to one aspect of the present invention can be particularly useful for leisure activities such as diving, water parks, and ski resorts, which involve potential risks due to physical activity in the service of the supplier, but are not limited thereto, and the system and method for processing waiver consent according to one aspect of the present invention can be applied to any industry group in which a contract is made between a supplier and a consumer in addition to leisure activities.

[0017] FIG. 1 is a schematic block diagram showing the configuration of a waiver consent processing system according to one embodiment.

[0018] FIG. 2 is a schematic block diagram showing the hardware configuration of a waiver consent processing system according to one embodiment.

[0019] FIG. 3 is a flowchart showing each step of the process of storing a consent form and consent information in a consent processing method according to one embodiment.

[0020] FIG. 4 is a conceptual diagram illustrating an exemplary information configuration of a waiver consent form processed by a waiver consent processing method according to one embodiment.

[0021] FIG. 5 is a flowchart showing each step of the process of confirming a waiver consent form and consent information in a waiver consent processing method according to one embodiment.

[0022] FIG. 6 is a conceptual diagram illustrating an exemplary form of a transaction for recording consent information for a waiver agreement on a blockchain network according to a method for processing waiver agreement according to one embodiment.

[0023] Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

[0024] Figure 1 is a schematic block diagram of a waiver consent processing system (2) according to one embodiment.

[0025] Referring to FIG. 1, the waiver consent processing system (2) according to the present embodiment communicates and operates with the user device (1) of the provider and the user device (3) of the consumer using the service provided by the provider, thereby providing the consumer with waiver consent information defining the scope of responsibility corresponding to the benefit provided by the provider, and receiving and storing consent information thereto from the consumer. For example, in the embodiments, the service provided by the provider may be, but is not limited to, the use of facilities related to leisure activities such as diving, water parks, and ski resorts, lessons, and tours.

[0026] In one embodiment, the waiver agreement processing system (2) may further communicate with an external server (5) corresponding to any company, institution, or individual that wishes to confirm the content of a pre-existing waiver agreement between a supplier and a consumer, thereby providing the information stored in the waiver agreement processing system (2) to the external server (5). For example, the external server (5) may be, but is not limited to, a server of an insurance company that wishes to determine the scope of liability of a supplier and a consumer through the content of a waiver agreement in relation to disputes or compensation between a supplier and a user.

[0027] In addition, in one embodiment, the waiver consent processing system (2) is configured to communicate with a blockchain network (4) including one or more nodes (40) configured to create and manage a distributed ledger by mutually broadcasting data blocks to be recorded on the blockchain, so that the consumer's consent information for the waiver consent form can be recorded in the form of a transaction in a data block on the blockchain network (4).

[0028] For the above operation, the exemption consent processing system (2) is configured to be able to communicate with a user device (1, 3), a blockchain network (4), and an external server (5) via a wired and / or wireless network. At this time, the wired and / or wireless networks include LAN (Local Area Network), MAN (Metropolitan Area Network), GSM (Global System for Mobile Network), EDGE (Enhanced Data GSM Environment), HSDPA (High Speed ​​Downlink Packet Access), W-CDMA (Wideband Code Division Multiple Access), CDMA (Code Division Multiple Access), TDMA (Time Division Multiple Access), Bluetooth, Zigbee, Wi-Fi, VoIP (Voice over Internet Protocol), LTE Advanced, IEEE802.16m, WirelessMAN-Advanced, HSPA+, 3GPP Long Term Evolution (LTE), Mobile WiMAX (IEEE 802.16e), UMB (formerly EV-DO Rev. C), Flash-OFDM, iBurst and MBWA (IEEE 802.20) systems, HIPERMAN, Beam-Division Multiple Access (BDMA), Wi-MAX (World Interoperability for Microwave Access) and may refer to a communication network using one or more communication methods selected from the group consisting of ultrasonic communication, but is not limited thereto.

[0029] The number and form of the user devices (1, 3) illustrated in FIG. 1 are merely exemplary. For example, in FIG. 1, the supplier's user device (1) is illustrated in the form of a notebook computer and the consumer's user device (3) is illustrated in the form of a smartphone; however, in other embodiments, the user devices (1, 3) may be implemented in the form of any computing device, such as a mobile communication terminal of another form, a personal computer, a personal digital assistant (PDA), a tablet computer, a set-top box for IPTV (Internet Protocol Television), etc. In addition, the waiver consent processing system (2) according to the embodiments may operate for one or more suppliers and one or more consumers.

[0030] In one embodiment, the exemption consent processing system (2) includes a configuration module (21), an authentication module (22), a database (DB) (23), and a contract module (24). In one embodiment, the configuration module (21) includes a receiving unit (211), a transmitting unit (212), a natural language analysis unit (213), an exemption consent generation unit (214), and / or a notice information generation unit (215). In addition, in one embodiment, the contract module (24) includes a receiving unit (241), an authentication unit (242), a storage unit (243), and / or a transmitting unit (244). Meanwhile, each of these units (211-215, 241-244), the DB (23), or the modules (21-24) may be realized at least partially using the hardware (200) of the exemption consent processing system (2).

[0031] That is, the exemption consent processing system (2) according to the embodiments and each part (211-215, 241-244), DB (23) or module (21-24) included therein may have aspects that are entirely hardware, or partially hardware and partially software. For example, each part (211-215, 241-244), DB (23) or module (21-24) of the exemption consent processing system (2) may collectively refer to hardware and software related thereto for processing data of a specific format and content or / and exchanging data via electronic communication. In this specification, terms such as "part", "module", "device", "terminal", "server" or "system" are intended to refer to a combination of hardware and software driven by the hardware. For example, the hardware may be a data processing device including a CPU or other processor. Additionally, software driven by hardware may refer to a running process, object, executable, thread of execution, program, etc.

[0032] In addition, each element constituting the exemption consent processing system (2) is not necessarily intended to refer to a separate device that is physically distinct from one another. That is, each part (211-215, 241-244), DB (23), or module (21-24) of the exemption consent processing system (2) illustrated in Fig. 1 is merely a functional division of the hardware constituting the exemption consent processing system (2) according to the operations performed by the hardware, and each part does not necessarily have to be provided independently from one another. Of course, depending on the embodiment, it is also possible for one or more of the above-described parts (211-215, 241-244), DB (23), or module (21-24) to be implemented as a separate device that is physically distinct from one another.

[0033] The receiving unit (211) of the configuration module (21) may receive, from the user device (1) of the provider, information on a disclaimer that defines the scope of the provider's responsibility in relation to the benefits (e.g., services) provided by the provider. For example, the information on the disclaimer may be text data created by the provider to clarify the scope of its responsibility in providing services and to clarify that the provider is not responsible for any consequences resulting from the consumer's arbitrary actions.

[0034] The transmitter (212) of the configuration module (21) can provide the supplier's disclaimer information to the consumer's user device (3). In addition, the transmitter (212) can provide the consumer's user device (3) with notification information regarding potential risks of services provided by the supplier. For example, the notification information can be provided to the consumer in the form of data (e.g., video) including text, images, and / or sounds. The notification information can be uploaded to the receiver (211) of the disclaimer processing system (2) by the supplier, or can be received and stored in the disclaimer processing system (2) from another information source.

[0035] In one embodiment, the configuration module (21) may automatically generate notification information to be provided to consumers based on an analysis of the supplier's disclaimer. For example, the analysis of the disclaimer may be performed using any known or future-developed natural language processing (NLP) algorithm, and is not limited to a specific method.

[0036] In this embodiment, the natural language analysis unit (213) of the configuration module (21) can determine one or more risk factors corresponding to the scope of responsibility defined in the disclaimer agreement by analyzing the text data of the disclaimer agreement information uploaded by the supplier. The risk factors correspond to potential risks that may be notified to consumers in relation to the supplier's services, and may correspond to, for example, accidents, equipment damage, or equipment loss.

[0037] At this time, the notification information generation unit (215) of the setting module (21) can generate notification information by combining unit notification data (e.g., text, image, and / or sound, etc.) corresponding to each risk factor in response to one or more risk factors extracted through natural language analysis of the waiver agreement form. For this purpose, unit notification data for notifying consumers of each potential risk such as accidents, injuries, and property damage can be stored in the DB (23) of the waiver agreement processing system (2). The automatically generated notification information can be provided to consumers through the transmission unit (212).

[0038] Using this embodiment, even if the supplier cannot directly produce a notification video or the like to inform the consumer of the potential risks of its own service, the exemption consent processing system (2) can automatically generate notification information for the consumer by analyzing the risk factors according to the scope of responsibility defined by the supplier.

[0039] In another embodiment, the waiver consent processing system (2) may receive service information defining the benefits provided by the provider from the provider, and automatically generate waiver consent information for obtaining consent from the consumer through analysis of the provider's service information.

[0040] In this embodiment, the natural language analysis unit (213) of the configuration module (21) can determine one or more liability factors corresponding to the provider's service by analyzing text data of service information provided by the provider. The process of determining liability factors from service information, similar to the analysis process for the aforementioned disclaimer agreement, can be performed using any known or future-developed natural language processing algorithm.

[0041] At this time, the waiver generation unit (214) of the setting module (21) can generate waiver information by combining waiver clause data (e.g., text data) corresponding to each responsibility element in response to one or more responsibility elements extracted through natural language analysis of service information. For the above operation, waiver clause data for waiving the supplier's responsibility for each responsibility element such as minors, possibility of accident, equipment use, and education can be stored in the DB (23) of the waiver consent processing system (2). The waiver information automatically generated by the above process can be provided to the supplier and consumer through the transmission unit (212).

[0042] Using this embodiment, even if a supplier fails to prepare a disclaimer to clearly define responsibility for its services, the disclaimer processing system (2) can automatically generate disclaimer information on behalf of the supplier by analyzing the responsibility factors based on the content of the supplier's services. For example, the disclaimer processing system (2) can provide the supplier with an automatically generated disclaimer as a template, allowing the supplier to determine the disclaimer by modifying it, etc.

[0043] The consumer can check the information on the disclaimer and the risk notification information through the user device (3), perform identity verification on the disclaimer processing system (2), and then input consent information for the disclaimer using an electronic signature, etc. To this end, the authentication module (22) of the disclaimer processing system (2) can receive authentication information corresponding to the consumer (e.g., ID and password, certificate hash value, etc.) by communicating with the consumer's user device (3).

[0044] In addition, the contract module (24) of the exemption consent processing system (2) can receive consent information for the exemption consent form from the consumer after the consumer has authenticated himself / herself by the authentication module (22), and can store the information on the supplier's exemption consent form and the consumer's consent information in a database (23) by interrelating them. In this specification, the exemption consent form information and consent information that are interrelated in this way are also referred to as contract information. In one embodiment, the contract module (24) includes a storage unit (243) for storing the contract information in the database (23) of the exemption consent processing system (2) or in a blockchain network (4).

[0045] In one embodiment, the storage unit (243) may record the waiver agreement and consent information thereto in the form of a transaction for a virtual asset whose transaction history is managed via a distributed ledger on the blockchain, on the blockchain network (4). In this case, the DB (23) of the waiver agreement processing system (2) stores the waiver agreement information along with a transaction identifier (e.g., TXID) of the transaction indicating the consumer's consent thereto, thereby enabling the content of the waiver agreement and whether the consumer consents thereto to be verified in the future.

[0046] For example, consent information for a disclaimer may be recorded in the form of a transaction that includes a wallet address corresponding to the supplier (also referred to as first wallet address data), a wallet address corresponding to the consumer (also referred to as second wallet address data), and hash data corresponding to the disclaimer, which will be described in detail later with reference to FIG. 6.

[0047] In one embodiment, the waiver consent processing system (2) may receive a request for confirmation of a waiver consent form and the consumer's consent information therefor from an external server (5) corresponding to an insurance company or the like that wishes to confirm the location of responsibility between the supplier and the consumer, and in response, may provide the waiver consent form information and consent information to the external server (5).

[0048] In this embodiment, the receiving unit (241) of the contract module (24) may receive a confirmation request from an external server (5). In one embodiment, when the confirmation request is received, the authentication unit (242) of the contract module (24) may request consent to provide information to the supplier and / or consumer who are parties to the contract. When consent to provide exemption information from the supplier and / or consumer is received by the authentication unit (242), the transmitting unit (244) may provide the exemption consent form and consent information thereto stored in the database (23) to the external server (5) for viewing.

[0049] In one embodiment, if consent information for a waiver agreement is recorded in a data block on a blockchain network (4), the receiving unit (241) of the contract module (24) can obtain consent information from the blockchain network (4) based on the transaction identifier stored in the DB (23) of the waiver agreement processing system (2). In addition, the transmitting unit (241) can provide the obtained consent information together with the waiver agreement information stored in the DB (23) to an external server (5).

[0050] In addition, in one embodiment, the waiver consent processing system (2) may, in addition to allowing the external server (5) to view the waiver consent form and the consent information therefor, provide only confirmation information indicating that the user has agreed to the waiver consent form in relation to a specific provider's service to the external server (5). This confirmation information may be utilized as information indicating the service usage status or reliability of the user by forming part of the user information of the user in the service provided by the external server (5). For example, when providing a platform used by providers and consumers, if the waiver consent of the consumer is confirmed by the waiver consent processing system (2), this may be displayed to other users in the form of a verification badge or the like within the consumer's profile.

[0051] FIG. 2 is a schematic block diagram showing the hardware configuration of a waiver consent processing system according to one embodiment.

[0052] Referring to FIG. 2, the exemption consent processing system according to the embodiments is implemented in the form of a computing device including hardware (200), and may include a memory (210), a processor (220), a communication module (230), and an input / output unit (240).

[0053] The memory (210) is a non-transitory computer-readable recording medium and may include a permanent mass storage device such as a random access memory (RAM), a read only memory (ROM), a disk drive, a solid state drive (SSD), a flash memory, etc. Here, the non-permanent mass storage device such as a ROM, an SSD, a flash memory, a disk drive, etc. may be included in the above-described device or server as a separate permanent storage device distinct from the memory (210).

[0054] Additionally, the memory (210) may store an operating system and at least one program code (e.g., code for a security module or an application installed to provide a specific service). These software components may be loaded from a computer-readable recording medium separate from the memory (210). This separate computer-readable recording medium may include a computer-readable recording medium such as a floppy drive, a disk, a tape, a DVD / CD-ROM drive, or a memory card.

[0055] In another embodiment, the software components may be loaded into the memory (210) via a communication module (230) rather than a computer-readable recording medium. For example, at least one program may be loaded into the memory (210) based on a computer program that is installed by files provided over a network by developers or a file distribution system (e.g., an application store service server) that distributes installation files for applications.

[0056] The processor (220) may be configured to process instructions of a computer program by performing basic arithmetic, logic, and input / output operations. Instructions may be provided to the processor (220) by the memory (210) or the communication module (230). For example, the processor (220) may be configured to execute instructions received according to program code stored in a storage device such as the memory (210).

[0057] The communication module (230) may provide a function for the exemption consent processing system (2) to communicate with the user devices (1, 3) of the supplier and consumer, the blockchain network (4), and the external server (5) via a network. In addition, the communication module (230) may provide a function for the exemption consent processing system to communicate with one or more other devices via a wired and / or wireless network. That is, the communication module (230) is a part that realizes each functional module described above with reference to FIG. 1 by having its function controlled by the processor (220) referencing the memory (210).

[0058] The input / output unit (240) may be a means for interfacing with an external input / output device (not shown). For example, external input devices may include devices such as a keyboard, mouse, microphone, camera, etc., and external output devices may include devices such as a display, speaker, haptic feedback device, etc. As another example, the input / output unit (240) may be a means for interfacing with a device that integrates input and output functions, such as a touchscreen.

[0059] In addition, in other embodiments, the exemption consent processing system (2) may include more hardware components than those illustrated in FIG. 2, depending on the nature of the device to which it is applied. For example, when the exemption consent processing system (2) is applied to a user device used by a user, it may be implemented to include at least some of the above-described input / output devices, or may further include other components such as a transceiver, a GPS (Global Positioning System) module, a camera, various sensors, a DB, etc. As a more specific example, when the user device is a smartphone, it may be implemented to further include various components that are generally included in a smartphone, such as an acceleration sensor or a gyro sensor, a camera module, various physical buttons, buttons using a touch panel, input / output ports, and a vibrator for vibration.

[0060] The exemption consent processing method described below may be performed by a exemption consent processing system implemented in the form of a computing device including the hardware (200) configuration described above with reference to FIG. 2. For example, the exemption consent processing method may be provided to a consumer in the form of a service based on at least one of an application, software, or other program operating on a user device and / or a server.

[0061] FIG. 3 is a flowchart showing each step of the process of storing a consent form and consent information in a consent processing method according to one embodiment.

[0062] Referring to FIG. 3, the waiver consent processing system (2) can receive service information defining the benefits provided by the provider from the provider's user device (1) (S11). For example, the services provided by the provider in this specification involve physical activities of the consumer, etc., and thus require a clear scope of responsibility of the provider. Examples include, but are not limited to, courses, tours, and packages related to leisure facilities or activities such as diving, water parks, and ski resorts.

[0063] In addition, the waiver consent processing system (2) can receive waiver consent information from the provider's user device (1) to clarify the scope of the provider's responsibility for the service (or to define the scope of the provider's non-responsibility). In one embodiment, the waiver consent processing system (2) provides the provider's user device (1) with one or more waiver consent templates that are preset and stored in the waiver consent processing system (2) so that the provider can input waiver consent information (S12), and the provider can receive waiver consent information from the provider in such a way that the provider selects one of the templates or / and modifies the template as needed (S13).

[0064] In one embodiment, the waiver agreement processing system (2) stores one or more waiver clause data mainly used in the waiver agreement, and can automatically generate waiver agreement information by combining waiver clause data corresponding to the responsibility elements included in the provider's service information.

[0065] FIG. 4 is a conceptual diagram showing an exemplary information configuration of a waiver consent form (100) processed by a waiver consent processing method according to one embodiment.

[0066] Referring to Figure 4, the disclaimer (100) may consist of one or more disclaimer clauses (101 to 106). Some of the disclaimer clauses (101, 106) may be general clauses unrelated to the specific scope of the supplier's liability, such as clauses defining the purpose or effect of the disclaimer. Meanwhile, other disclaimer clauses (102-105) may correspond to specific liability elements.

[0067] For example, the disclaimer (102) is intended to exempt the supplier from liability for accident risks such as injury, property damage, and medical accidents caused by the consumer's negligence. In addition, the disclaimer (103) is intended to obtain consent for exemption from liability from the legal representative in cases where the consumer is a minor or the like and the legal representative's consent is required for the consumer's actions. In addition, the disclaimer (104) is intended to stipulate that the consumer, not the supplier, is responsible for damage or loss of equipment used in the supplier's service. Furthermore, the disclaimer (105) is intended to stipulate the consumer's obligations and the supplier's scope of responsibility for education provided by the supplier.

[0068] When the waiver consent processing system automatically generates a waiver consent form, the waiver consent processing system can automatically generate a waiver consent form (100) as shown in FIG. 4 by analyzing service content text data uploaded by the provider, extracting specific liability elements such as injury / damage / accident (120), legal representative (130), equipment (140), and education (150), and combining waiver clauses (102 to 105) corresponding to each extracted liability element.

[0069] The supplier may use the waiver agreement (100) generated by the waiver agreement processing system as is or may modify the waiver agreement (100) as needed and then use it as a waiver agreement for the service it provides.

[0070] Referring back to FIG. 3, the waiver consent processing system (2) may store waiver consent information received from the provider's user device (1) in the waiver consent processing system (2) (S14). Furthermore, in one embodiment, the waiver consent processing system (2) may further receive notification information from the provider's user device (1) to inform the consumer of potential risks associated with the provider's services, corresponding to the waiver consent information, and may provide the received notification information to the consumer's user device (3) (S16).

[0071] In one embodiment, the disclaimer consent processing system (2) may automatically generate notification information to be provided to a consumer based on the supplier's disclaimer consent form (S15). More specifically, the disclaimer consent processing system (2) may determine risk factors indicating potential risks that may arise from the service provided by the supplier from the supplier's disclaimer consent text data, and generate notification information to be provided to the consumer by combining unit notification data (e.g., text, images, and / or sounds) previously stored in the disclaimer consent processing system (2) corresponding to each risk factor.

[0072] Taking the aforementioned waiver consent form (100) with reference to FIG. 4 as an example, the waiver consent processing system extracts texts corresponding to risk factors such as injury / damage / accident (120), equipment damage (141), and equipment loss (142) from the waiver consent form, and combines unit notification data stored in advance corresponding to each risk factor to generate notification information in the form of text, images, videos, etc. The responsibility factors for automatically generating the waiver consent form and the risk factors for generating notification information by the waiver consent processing system according to the embodiments may be the same or different from each other.

[0073] Consumers can input their consent into the exemption consent processing system (2) by checking the exemption consent form information and notification information through the exemption consent processing system (2) and electronically signing the exemption consent form (S18). To this end, the consumer may first perform identity verification on the exemption consent processing system (2) (S17). The consumer identity verification process can be performed through a known method in which the consumer authenticates personal information by entering his or her name, date of birth, resident registration number, certificate information, etc. Therefore, a detailed description thereof is omitted to clarify the gist of the invention.

[0074] The waiver consent processing system (2) can store consent information received from the consumer in the waiver consent processing system (2) (S19). In one embodiment, the waiver consent processing system (2) can store consent information regarding the waiver consent form in the form of a transaction recorded in a data block on a blockchain (S20). To this end, when the waiver consent information is received, the waiver consent processing system (2) can generate a virtual asset transaction with the supplier as the sender and the consumer as the recipient and transmit it to the blockchain network (4). At this time, the transaction may further include hash data for identifying the waiver consent form, which is the subject of the consent, in addition to the electronic wallet addresses of the supplier and the consumer.

[0075] FIG. 5 is a flowchart showing each step of the process of confirming a waiver consent form and consent information in a waiver consent processing method according to one embodiment.

[0076] Referring to FIG. 5, the exemption consent processing system (2) receives a exemption consent form and a confirmation request to confirm whether the consumer agrees to the same from an external server (5) (S21), and in response, the exemption consent form and consent information stored in the exemption consent processing system (2) can be provided to the external server (5) (S26).

[0077] In one embodiment, the waiver consent processing system (2) stores consent information for the waiver consent form on the blockchain network (4), and when a request for confirmation of the waiver consent is received from an external server (5), the consent information for the waiver consent form can be confirmed from the blockchain network (4) (S24). For example, the consent information for the waiver consent form can be stored on the blockchain network (4) in the form of a transaction related to a virtual asset, and the waiver consent processing system (2) stores a transaction identifier, such as a TXID, associated with a specific waiver consent form, and when confirmation of the consent information for the waiver consent form is required, the details of the transaction can be confirmed from the blockchain network (4) through the corresponding transaction identifier.

[0078] In one embodiment, the waiver consent processing system (2) may request consent to the provision of waiver information from the supplier and / or demander who are parties to the waiver consent prior to providing the waiver consent form and consent information (S22, S23).

[0079] Additionally, in one embodiment, the exemption consent processing system (2) may verify the consent information confirmed from the blockchain network (4) before providing it to an external server (5) (S25). This may include a process of verifying whether the consent information received from the blockchain network (4) corresponds to the subject exemption consent form being inquired by verifying the hash data of the subject exemption consent form for which consent information is to be verified with the information within the transaction.

[0080] FIG. 6 is a conceptual diagram illustrating an exemplary form of a transaction for recording consent information for a waiver agreement on a blockchain network according to a method for processing waiver agreement according to one embodiment.

[0081] Referring to FIG. 6, a blockchain (400) is configured by chaining one or more data blocks (401, 402) together, each including a hash value of data up to the previous block. That is, a subsequent data block (402) includes, in its header portion, a hash value of all data within the blockchain (400), including up to the preceding data block (401).

[0082] Meanwhile, in the embodiments, each data block (401, 402) may include a transaction (410, 420) corresponding to consent information for the waiver. The transaction (410, 420) may include an identifier such as TXID for identification thereof, first wallet address data corresponding to the supplier, second wallet address data corresponding to the consumer, and hash data generated by converting the contents of the waiver into a hash value. When verification of the waiver is required, the waiver processing system may identify a transaction indicating consent information for the waiver through a transaction identifier such as TXID, and may verify consent information for the waiver by checking whether the first wallet address data included in the identified transaction matches the supplier, whether the second wallet address data matches the consumer, and whether the hash value of the target waiver matches the hash data within the transaction.

[0083] The operations according to the exemption consent processing method according to the embodiments described above can be implemented at least partially as a computer program and recorded on a computer-readable recording medium. The computer-readable recording medium on which the program for implementing the operations according to the exemption consent processing method according to the embodiments is recorded includes all types of recording devices that store data that can be read by a computer. Examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, etc. In addition, the computer-readable recording medium can be distributed across network-connected computer systems, so that the computer-readable code can be stored and executed in a distributed manner. In addition, the functional programs, codes, and code segments for implementing the present embodiment can be easily understood by those skilled in the art to which the present embodiment belongs.

[0084] While the present invention has been described above with reference to the embodiments illustrated in the drawings, these are merely exemplary, and those skilled in the art will appreciate that various modifications and variations of the embodiments are possible. However, such modifications should be considered within the technical protection scope of the present invention. Therefore, the true technical protection scope of the present invention should be determined by the technical spirit of the appended claims.

[0085] The embodiments relate to a system and method for processing waiver consent, and a computer program therefor. More specifically, the embodiments relate to a technology that provides consumers using a provider's services with information about potential risks through various methods, such as text messages, link transmissions, QR codes, web pages, and kiosks, and enables consumers to electronically sign waiver consent forms by recognizing the potential risks and acknowledging their voluntary participation.

Claims

1. A configuration module configured to receive from a supplier information on a disclaimer that defines the scope of liability corresponding to the benefits provided by the supplier, and to provide the consumer with notification information corresponding to the information on the disclaimer; An authentication module configured to receive authentication information corresponding to the consumer by communicating with the user device of the consumer; and A contract module configured to receive consent information corresponding to the disclaimer information from the user device after the notification information is provided to the consumer and the authentication information is received from the consumer, and to store the disclaimer information and the consent information in a manner that they are interrelated; and Including a database configured to store the above-mentioned interrelated waiver consent information and the above-mentioned consent information, The above notification information is a waiver consent processing system including one or more of text data, image data, and sound data indicating potential risks corresponding to the benefits provided by the supplier.

2. In paragraph 1, The above settings module, A receiving unit configured to receive the waiver information including text data from the supplier; A natural language analysis unit configured to determine one or more risk factors corresponding to the scope of responsibility of the above disclaimer information through analysis of the above text data of the above disclaimer information; A notification information generation unit configured to store one or more preset unit notification data and generate the notification information by combining the unit notification data corresponding to the one or more risk factors; and A waiver consent processing system including a transmitter configured to provide the above-mentioned notification information to the user device.

3. In paragraph 1, The above settings module, A receiving unit configured to receive service information including text data from the above provider; A natural language analysis unit configured to determine one or more responsibility factors corresponding to the benefits provided by the supplier through analysis of text data of the above service information; and A waiver consent processing system including a waiver consent generation unit configured to store one or more preset waiver clause data and generate the waiver consent information by combining the waiver clause data corresponding to the one or more responsibility elements.

4. In paragraph 1, The contract module is further configured to record a transaction including first wallet address data corresponding to the supplier, second wallet address data corresponding to the consumer, and hash data corresponding to the waiver agreement information in a data block on a blockchain network in response to receiving the consent information. A waiver consent processing system wherein the database is further configured to store the waiver consent information and the transaction identifier of the transaction.

5. In paragraph 1, The above contract module, A receiving unit configured to receive a confirmation request for one or more of the above-mentioned waiver information and the above-mentioned consent information from an external server; In response to receiving the above verification request, an authentication unit configured to request consent to provide waiver information to at least one of the supplier and the consumer; and A waiver consent processing system including a transmitting unit configured to provide the waiver consent information stored in the database and the consent information corresponding to the waiver consent information to the external server in response to receiving the consent to provide the waiver information to the authentication unit.

6. A step in which the waiver agreement processing system receives waiver agreement information from the supplier defining the scope of liability corresponding to the benefits provided by the supplier; A step in which the above-mentioned exemption consent processing system provides the consumer with notification information corresponding to the above-mentioned exemption consent information; A step in which the above exemption consent processing system receives authentication information corresponding to the consumer by communicating with the consumer's user device; The above-mentioned exemption consent processing system receives consent information corresponding to the exemption consent form information from the user device after the notification information is provided to the consumer and the authentication information is received from the user device; and The above-mentioned exemption consent processing system includes a step of interrelating the exemption consent form information and the consent information and storing them in the above-mentioned exemption consent processing system, A method for processing consent to waiver, wherein the above notification information includes at least one of text data, image data, and sound data indicating potential risks corresponding to the benefits provided by the supplier.

7. A computer program stored on a computer-readable recording medium that is combined with hardware to execute the method for processing consent for exemption of liability pursuant to Article 6.

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