TR2021017963A2

TR2021017963A2 - A CREDIT REFUND SYSTEM

Info

Publication number: TR2021017963A2
Application number: TR2021/017963A
Authority: TR
Inventors: Kaya Yalçin; Özgül Burcu
Original assignee: Turkcell Technology Research And Development Co; Turkcell Teknoloji̇ Araştirma Ve Geli̇şti̇rme Anoni̇m Şi̇rketi̇
Priority date: 2021-11-18
Filing date: 2021-11-18
Publication date: 2021-12-21

Abstract

Buluş, hem kredi başvuru döneminde hem de kredi geri ödeme planı döneminde periyodik olarak kullanıcının risk notunun hesaplanmasını, kullanıcının risk trendi değiştikçe dinamik olarak alternatif geri ödeme planlarının kullanıcıya sunulmasını ve kullanıcının onayı ile mevcut ödeme planının güncellenmesini sağlayan esnek ve dinamik bir kredi geri ödeme sistem (1) ile ilgilidir.The invention is a flexible and dynamic loan repayment system that enables the calculation of the user's risk rating periodically both during the loan application period and during the loan repayment plan period, dynamically presenting alternative repayment plans as the risk trend of the user changes, and updating the current payment plan with the approval of the user. It relates to 1).

Description

TARIFNAME BIR KREDI GERI ÖDEME SISTEMI Teknik Alan Bulus, hem kredi basvuru döneminde hem de kredi geri Ödeme plani döneminde periyodik olarak kullanicinin risk notunun hesaplanmasini, kullanicinin risk trendi degistikce dinamik olarak alternatif geri ödeme planlarinin kullaniciya sunulmasini ve kullanicinin onayi ile mevcut ödeme planinin güncellenmesini saglayan esnek ve dinamik bir kredi geri ödeme sistem ile ilgilidir. Önceki Teknik Günümüzde bir kullanici finansal kuruluslardan konut veya tarim kredisi aldiginda, tüm kredi tutarini tek seferde alip, esnek ödeme plani ile, kredisini geri ödeyebilmektedir. Örnegin konut kredilerinde birçok finansal kurulus kullanicilarina, esit taksitli, artan taksitli, azalan taksitli, sabit taksit ve ara ödemeli, esnek ödeme plani sunmaktadir. Ayni sekilde tarim kredilerinde de çiftçinin hasadina uygun vade ile tek veya taksitli (3 ayda veya 6 ayda bir esit taksitli) ödeme plani sunmaktadir. Esnek ödeme plani sunulmasi, finansal kuruluslar açisindan risklidir. Kullaniciya verilen kredinin taksitlerinin her ay sabit bir taksit tutari ile geri alinamamasi özellikle ekonomik göstergeleri sürekli degisen ülkelerde risk teskil etmektedir. Bu sebeple, diger kredi ürünlerinde (ihtiyaç kredileri, tasit kredileri, vb.) önceden belirlenen taksit adet araligina göre esit tutarli ödeme planlari kullanicilara sunulmaktadir. Ek olarak krediler dogasi geregi orta veya uzun dönemlidir ve kullanicilarin riski kredi dönemi boyunca Olumlu veya olumsuz yönde degisebilmektedir. Ancak günümüzde sadece belirli kredi ürünlerinde uygulanan esnek geri ödeme planlarinda dahi, kullanicinin anlik riskine göre ödeme plani revizyon planlari sistemsel olarak modellenmemektedir. Kullanicini talebi dogrultusunda, uzun ve detayli incelemeler sonrasinda nadir olarak yeniden yapilandirmaya gidilmektedir. DESCRIPTION A CREDIT REFUND SYSTEM Technical Area The invention is available both in the loan application period and in the loan repayment plan period. periodically calculate the user's risk rating, the user's risk trend dynamically offering alternative repayment plans to the user as they change. and flexible, which allows the current payment plan to be updated with the consent of the user. and relates to a dynamic loan repayment system. Prior Art Today, when a user gets a housing or agricultural loan from financial institutions, You can get the entire loan amount at once and repay your loan with a flexible payment plan. can pay. For example, many financial institutions in housing loans to its users, with equal installments, increasing installments, decreasing installments, fixed installments and interim payments, It offers flexible payment plan. Likewise, in agricultural loans, the farmer's Single or in installments (equal installments every 3 months or 6 months) with a maturity suitable for the harvest offers the plan. Offering a flexible payment plan is beneficial for financial institutions. it is risky. The installments of the loan given to the user are paid with a fixed installment amount every month. risk, especially in countries whose economic indicators are constantly changing. constitutes. For this reason, in other loan products (e.g. consumer loans, vehicle loans, etc.) equal amount of payment according to the predetermined number of installments plans are available to users. In addition, loans are medium or high in nature. It is long-term and users' risk is positive or negative throughout the loan period. can change direction. However, today only certain loan products Even in flexible repayment plans applied, payment according to the user's instant risk plan revision plans are not modeled systematically. User request In line with this, it is rarely reconstructed after long and detailed investigations. configuration is in progress.

Bu sebeple hem kredi basvuru döneminde hem de kredi geri ödeme plani döneminde periyodik olarak kullanicinin riskinin hesaplanmasini ve kullanicinin risk trendine göre kullaniciya alternatif esnek geri ödeme plani sunulmasini saglayan bir sisteine ihtiyaç duyulmaktadir. dokümaninda bir kredi verme optimizasyon sistemi ve yönteminden bahsedilmektedir. Sistemde; kredi veren finansal bir kurum tarafindan kredi verilecek kisiye ait gelir durumu, kisisel bilgiler, kredi yeterlilik puani gibi kredi almaya uygunluk durumlari incelenmektedir. Ardindan kredi verilmesi uygun bulunan kisiler için yapilan kredi basvurusuna ait faiz orani, kredi süresi, kredi tutari ve aylik ödeme gibi bilgiler bir kullanici profili halinde veri tabaninda saklanmak üzere kayit altina alinmaktadir. Kullanici profilinde ayrica kullaniciya iliskin gelir durumu ve kisisel bilgilerde saklanmaktadir. Veri tabanindaki bu bilgilerden gelir durumu otomatik olarak kontrol edilmekte ve güncellenebilmektedir. Yapilan güncellemeler dogrultusunda kullanicinin gelir düzeyinde herhangi bir degisiklik tespit edilmesi halinde kredi ödemelerini iliskin dinamik olarak yeniden bir ödeme plani modeli olusturulabilmekte ve kullanici onayi dogrultusunda ödeme sekilleri/tutarlari güncellenebilmektedir. For this reason, both the loan application period and the loan repayment plan Periodically, the user's risk is calculated and the user's Providing the user with an alternative flexible repayment plan according to the risk trend A system that provides from a lending optimization system and method in is mentioned. In the system; loan by a lending financial institution credit such as income status, personal information, credit adequacy score of the person to be given eligibility status is examined. It is appropriate to give credit afterwards interest rate, loan period, loan application information such as the amount and monthly payment in the database as a user profile. is recorded for safekeeping. In the user profile, also Income status and personal information regarding the in this database income status is automatically checked from the information and can be updated. In line with the updates made, the user's income If any change is detected in the level of a payment plan model can be created dynamically again and the user Payment methods/amounts can be updated upon approval.

Bulusun Kisa Açiklamasi Bu bulusun amaci, hem kredi basvuru döneminde hem de kredi geri ödeme plani döneminde periyodik olarak kullanicinin risk notunun hesaplanmasini, kullanicinin risk trendi degistikçe dinamik olarak alternatif geri ödeme planlarinin kullaniciya sunulmasini ve kullanicinin onayi ile mevcut ödeme planinin güncellenmesini saglayan esnek ve dinamik bir kredi geri ödeme sistemi gerçeklestirmektir. Brief Description of the Invention The aim of this invention is to analyze both the loan application period and the loan repayment plan. Calculation of the user's risk rating periodically during the period, As the risk trend changes, alternative repayment plans are dynamically made available to the user. and updating the current payment plan with the user's approval. to realize a flexible and dynamic loan repayment system that provides

Bulusun Ayrintili Açiklamasi Bu bulusun amacina ulasmak için gerçeklestirilen “Bir Kredi Geri Ödeme Sistemi” ekli sekilde gösterilmis olup, bu sekil; Sekil 1. Bulus konusu sistemin sematik görünüsüdür. Detailed Description of the Invention “A Loan Repayment System” implemented to achieve the purpose of this invention shown in the attached figure, this figure; Figure 1. The subject of the invention is the schematic view of the system.

Sekilde yer alan parçalar tek tek numaralandirilmis olup, bu numaralarin karsiliklari asagida verilmistir: 1. Sistem 2. Elektronik cihaz 3. Uygulama 4. Veri tabani . Sunucu Esnek ve dinamik bir kredi geri ödemesi saglayan bulus konusu sistem (1); -üzerinde en azindan bir uygulama yürütebilen ve herhangi bir uzak iletisim protokolünü kullanarak uzak sunucular ile iletisim kurabilen en az bir elektronik -elektronik Cihaz (2] üzerinde yürütülen, kredi basvurusu ve geri ödeme sürecine iliskin islemler gerçeklestirilmesini saglamak üzere yapilandirilan en az bir uygMama(3L -kullanicilarin kredi basvurularina ve demografik özelliklerine iliskin bilgilerin kayit altinda tutulmasini saglamak üzere yapilandirilan en az bir veri tabani (4) ve -hem kredi basvuru döneminde hem de kredi geri ödeme plani döneminde periyodik olarak kullanicinin risk notunun hesaplanmasini, kullanicinin risk trendi degistikçe dinamik olarak alternatif geri ödeme planlarinin kullaniciya sunulmasini ve kullanicinin onayi ile mevcut ödeme planinin güncellenmesini saglamak üzere yapilandirilan en az bir sunucu (5) içermektedir. The parts in the figure are numbered one by one and the corresponding numbers are given below: 1. System 2. Electronic device 3. Application 4. Database . Presenter The system according to the invention providing a flexible and dynamic loan repayment (1); - any remote communication capable of running at least one application on it At least one electronic device that can communicate with remote servers using the protocol -The credit application and repayment process carried out on the electronic Device (2) at least one that is configured to enable App Food(3L - information on users' credit applications and demographic characteristics at least one database (4) configured to ensure that it is kept on record; and Periodically, both during the loan application period and during the loan repayment plan period. Calculate the user's risk rating as the user's risk trend changes. dynamically offering alternative repayment plans to the user, and to update the current payment plan with the user's approval. contains at least one server (5) configured.

Bulus konusu sistemde (1) yer alan elektronik cihaz (2), akilli telefon, tablet bilgisayar, masa üstü bilgisayar veya tasinabilir bilgisayar olan bir cihazdir. Electronic device (2), smart phone, tablet in the system (1) which is the subject of the invention A computer is a device that is a desktop computer or a portable computer.

Bulusun tercih edilen düzenlemesinde elektronik cihaz (2), üzerinde kredi basvurusu gerçeklestirilmesini ve geri ödeme süresine iliskin esnek ödeme sürecinin yürütülebilmesini saglayan en az bir uygulama (3] yürütmek üzere yapilandirilmaktadir. Söz konusu elektronik cihaz (2), teknigin bilinen durumunda yer alan herhangi bir uzak iletisim protokolünü kullanarak sunucu (5) ile baglanti kurmak ve kurulan bu baglanti üzerinden uygulama (3) ve sunucu (5) arasinda veri alisverisi gerçeklesmesini saglamak üzere yapilandirilmaktadir. Bulusun tercih edilen uygulamasinda elektronik cihaz (2) sunucu (5) ile veri yolu olarak Internet kullanarak veri alisverisi gerçeklestirmek üzere yapilandirilmaktadir. In the preferred embodiment of the invention, the electronic device (2) flexible payment for filing the application and payback period to execute at least one application (3) that enables the execution of the is being configured. Said electronic device (2) is in the state of the art. connection with the server (5) using any remote communication protocol to establish and transfer data between the application (3) and the server (5) over this established connection. It is configured to enable the exchange to take place. Find your choice In its application, the electronic device (2) is connected to the server (5) and the Internet as a data bus. It is configured to perform data exchange using

Bulus konusu sistemde (1) yer alan uygulama (3), elektronik cihaz (2) üzerinde yürütülmekte olup, elektronik cihaz (2) ile sunucu (5) arasinda kurulan iletisim üzerinden sunucu (5) ile veri alisverisi gerçeklestirmek üzere yapilandirilmaktadir. The application (3) in the system (1), which is the subject of the invention, is on the electronic device (2). communication between the electronic device (2) and the server (5). It is configured to perform data exchange with the server (5) via the server.

Söz konusu uygulaina (3), kullanicinin onayi dogrultusunda kullanicidan alinan kisisel bilgiler ile giris yapilmasi için bir ara yüz sunmak üzere yapilandirilmaktadir. Uygulama (3), kullanicilarin kredi basvurusu gerçeklestirmesini ve basvuru için gerekli evraklarin dijital olarak sunulmasini saglamak üzere yapilandirilmaktadir. Uygulama (3), kullanicinin demografik bilgilerini ve kredi geri ödemesi için kendisine uygun esnek vade, taksit tutari seklindeki tercihlerini girebilmesine imkan sunan bir ara yüz sunmak üzere yapilandirilmaktadir. Uygulama (3), kullanicinin kredi basvurusuna iliskin vade ve taksit tutari seklindeki bilgilere uygun sekilde belirlenen mevcut ve alternatif geri ödeme planlarinin görüntülenmesini saglamak üzere yapilandirilmaktadir. The application in question (3), received from the user in accordance with the user's consent. To provide an interface for logging in with personal information is being configured. Application (3), users' credit application and digitally submitting the documents required for the application. It is configured to provide. The application (3) is based on the demographics of the user. flexible maturity, installment amount suitable for loan repayment to provide an interface that allows them to enter their preferences in the form of is being configured. Application (3), the maturity and maturity of the loan application of the user. Current and alternative refunds determined in accordance with the information in the form of installment amount It is configured to display payment plans.

Uygulama (3), kullanicilara teklif edilen kredi geri ödeme planina iliskin tekliIlerden uygun olanin seçilmesini saglayan bir ara yüz sunmak üzere yapilandirilmaktadir. Uygulama (3), geri ödeme risk notundaki degisikliklere göre güncellenen yeni geri ödeme planlarinin sunulmasini saglayan bir ara yüz sunmak üzere yapilandirilmaktadir. Uygulama (3), kullanicinin güncel geri ödeme planlarindan kendisine uygun olan bir plani seçmesi veya reddetmesi ile ödeme planini revize etmesini saglayan bir ara yüz sunmak üzere yapilandirilmaktadir. The application (3) is related to the loan repayment plan offered to the users. In order to provide an interface that enables the selection of the appropriate one from the offers. is being configured. Application (3), according to changes in the repayment risk rating provide an interface that allows the submission of updated new reimbursement plans is configured to. Application (3), user's current refund payment by choosing or rejecting a suitable plan from among the plans It is configured to provide an interface that allows it to revise its plan.

Bulus konusu sistemde (1) yer alan veri tabani (4), sunucu (5) ile iletisim halinde olup sunucu (5) tarafindan yönetilmek üzere yapilandirilmaktadir. Bulusun tercih edilen düzenlemesinde veri tabani (4), içerisinde uygulama (3) üzerinden kredi basvurusu gerçeklestiren kullanicilarin ülkedeki merkezi kredi bürosundan alinan risk notunu, kredi almak istenen finansal kurulustan daha önce alinmis hizmetlere yönelik ödeme performans bilgilerini, demografik bilgilerinii kredi geri ödemesi için vade, taksit tutari seklindeki bilgileri, seçilen kredi geri ödeme plani bilgilerini kayit altinda tutmak üzere yapilandirilmaktadir. The database (4) in the inventive system (1) is in communication with the server (5). and is configured to be managed by the server (5). Find your choice In its regulation, the database (4), within the application (3), the loan obtained from the central credit bureau in the country of the users who made the application. change the risk rating to the services previously received from the financial institution from which the loan is requested. payment performance information, demographic information, loan repayment information in the form of maturity, installment amount, selected loan repayment plan information for It is configured to keep record.

Bulus konusu sistemde (1) yer alan sunucu (5), herhangi bir uzaktan iletisim protokolünü kullanarak elektronik cihaz (2) ile iletisim kurmak ve kurulan bu iletisim üzerinden elektronik cihaz (2) üzerinde yürütülen uygulama (3) ile veri alisverisi gerçeklestirmek üzere yapilandirilmaktadir. Sunucu (5), veri tabani (4) içerisine yeni veri kaydi yapilmasi, veri tabani (4) içerisindeki kayitli verilerin silinmesi ya da veri tabani (4) içerisindeki kayitli verilerin degistirilmesi ve veri tabani (4) içerisindeki kayitli verilerin güncellenmesi seklindeki islemlerle veri tabanini (4) yönetmek üzere yapilandirilmaktadir. Söz konusu sunucu (5), tercihen ülkedeki merkezi kredi bürosundan kredi basvurusu gerçeklestirmis kullaniciya ait risk notunun ögrenilmesi için dis sunucular ile iletisim kurmak üzere yapilandirilmaktadir. Sunucu (5), kredi basvurusu yapan kullaniciya basvuruda bulundugu finansal kurulustan daha önce alinmis hizmetlerdeki ödeme performansina ait verilerin toplanmasini saglamak üzere yapilandirilmaktadir. The server (5) in the system (1), which is the subject of the invention, cannot be used for any remote communication. To communicate with the electronic device (2) using the protocol and data with the application (3) executed on the electronic device (2) over the communication is configured to perform the exchange. Server (5), database (4) recording new data in the database (4) deletion or modification of the recorded data in the database (4) and data data with operations such as updating the recorded data in the base (4). It is configured to manage its base (4). Said server (5) preferably belonging to the user who has applied for a loan from the central credit bureau in the country to communicate with external servers to learn the risk note is being configured. The server (5) makes an application to the user applying for a loan. payment for services previously received from the financial institution in which it is located It is configured to collect data on performance.

Sunucu (5), kredi basvurusunda bulunan kullaniciya iliskin uygulama (3) üzerinden girilen demografik özellikler, risk notu ve ödeme performansi verilerine dayanarak kullanicinin anlik riskinin hesaplanmasini saglamak üzere yapilandirilmaktadir. The server (5), through the application (3) of the user applying for a loan. based on demographics, risk rating and payment performance data entered It is configured to calculate the instant risk of the user.

Sunucu (5 ), kredi basvurusunda bulunan kullaniciya ait hesaplanan anlik risk verisi dogrultusunda kullaniciya verilebilecek kredi limitinin hesaplanmasini saglamak üzere yapilandirilmaktadir. Sunucu (5), kredi limiti, kullanicinin anlik risk verisi ve kullanicinin uygulama (3) üzerinden girdigi geri ödeme tercihlerine göre alternatif esnek geri ödeme planlari hesaplanmasini saglamak üzere yapilandirilmaktadir. Server (5), the calculated instantaneous risk data of the user applying for a loan To ensure the calculation of the credit limit that can be given to the user in line with is configured to. Server (5), credit limit, user's instant risk data and alternatives according to the reimbursement preferences entered by the user through the application (3). It is structured to enable the calculation of flexible repayment plans.

Sunucu (5 ), kredi limiti ve buna uygun alternatif` esnek geri ödeme planlarina iliskin tekliflerin uygulama (3) üzerinden kullanicilara sunulmasini saglamak üzere yapilandirilmaktadir. Sunucu (5), kullanicilarin uygulama (3) üzerinden kendileri ne sunulan geri ödeme teklifleri arasindan seçtikleri geri ödeme plani ile kredi basvuru isleminin tamamlanmasini ve kredinin olusturulmasini saglamak üzere yapilandirilmaktadir. Bulusun bir uygulamasinda sunucu (5), kredi geri ödeme dönemi içindeyken kullanicilarin uygulama (3) üzerinden kendilerine sunulan alternatif ödeme plan tekliflerinin yeniden sorgulanmasini saglamak üzere yapilandirilmaktadir. Sunucu (5), ödeme plan tekliflerinin yeniden sorgulanmasi durumunda sorgulama tarihinde kullanicinin anlik risk degerinin hesaplanmasini ve risk degeri ile kullanici ödeme tercihleri dogrultusunda yeni ödeme plani teklifleri olusturulmasini saglamak üzere yapilandirilmaktadir. Sunucu (5), kredi geri ödeme dönemi içerisinde kullanici tarafindan yapilan sorguya yanit olarak yeni ödeme tekliflerinin iletilmesi ve uygulama (3) üzerinden kullanicinin yaptigi seçim dogrultusunda geri ödeme planinin degisen risk degerine uygun sekilde revize edilmesini saglamak üzere yapilandirilmaktadir. Bulusun bir uygulamasinda sunucu (5), kredi geri ödeme dönemi içerisinde kullanicinin anlik risk degerinin periyodik araliklarla hesaplanmasini ve risk trendi nde degisiklik olmasi durumunda kullanicinin ödeme tercihlerine uygun yeni geri ödeme teklifleri olusturulmasini saglamak üzere yapilandirilmaktadir. Sunucu (5), kullaniciya ait degisen anlik risk trendine göre dinamik olarak hesaplanan yeni geri ödeme tekliflerinin uygulama (3) üzerinden kullaniciya sunulmasini ve kullanicinin yaptigi seçim dogrultusunda geri ödeme planinin degisen risk degerine uygun sekilde revize edilmesini saglamak üzere yapilandirilmaktadir. Server (5), credit limit and corresponding alternative flexible repayment plans in order to ensure that the offers are presented to the users through the application (3). is being configured. The server (5) tells what the users themselves can do through the application (3). Loan application with the repayment plan they choose among the repayment offers offered to ensure the completion of the transaction and the creation of the loan. is being configured. In one embodiment of the invention, the server (5), loan repayment During the period, the users offered to them via the application (3) to ensure that alternative payment plan offers are re-questioned. is being configured. Server (5), requery payment plan offers Calculation of the instant risk value of the user on the query date, and New payment plan offers in line with risk value and user payment preferences is configured to enable it to be created. Server (5), loan repayment new payment in response to the query made by the user during the period submission of offers and the choice made by the user through the application (3) revising the repayment plan in line with the changing risk value is structured to ensure In an application of the invention The server (5) calculates the instantaneous risk value of the user within the loan repayment period. It should be calculated at periodic intervals and in case of a change in the risk trend. the creation of new refund offers in accordance with the payment preferences of the user. It is configured to provide. Server (5), changing instantaneous risk belonging to the user implementation of new cashback offers calculated dynamically according to the trend (3) be presented to the user via the ensuring that the payment plan is revised in accordance with the changing risk value is configured to.

Bulusun Sanayiye Uygulanmasi Bulus konusu sistem (1), sayesinde uygulama (3) üzerinden kredi basvurusunda bulunan kullanicilarin mevcut riskine göre önerilen kredi limiti için kullanicinin tercih ettigi geri ödeme seçenekleri dogrultusunda kullaniciya alternatif esnek geri ödeme planlari sunulmaktadir. Kullanicinin seçecegi plan dogrultusunda kredi basvurusu tamamlanmaktadir. Kredi yasam döngüsünde hem sistemsel olarak hem de kullanici istegi dogrultusunda kullanicilarin mevcut risk trendindeki degisiklikler dinamik olarak hesaplanmakta ve kullanici ödeme plan alternatifleri kullanicilara uygulama (3) üzerinden sunulmaktadir. Bu alternatif plan önerileri ile hem kullanicilarin hem de kredi veren finansal kuruluslarin riskinin minimize edilmesi saglanmaktadir. Söz konusu sistem (1), kullanicilarin de ödeme tercihlerini dikkate aldigi ve kullanicilarin da yaninda oldugu için, kredi basvurularinda firmanin tercih edilmesini ve dolayisiyla aktif kullanici ve gelirinin de artmasini saglamaktadir. Application of the Invention to Industry Thanks to the system (1), which is the subject of the invention, you can apply for a loan through the application (3). for the proposed credit limit according to the current risk of the users with alternative flexible refund options to the user in line with the preferred repayment options. Payment plans are offered. Loan in line with the plan chosen by the user The application is being completed. In the credit life cycle, both systematically and In line with user request, users' current risk trend changes are calculated dynamically and user payment plan alternatives It is offered to users via the application (3). With these alternative plans Minimizing the risk of both users and lending financial institutions is provided. The system in question (1) allows users to pay as well. Since it takes into account the preferences of the users and stands by the users, the credit the preference of the company in their applications and therefore the active user and income. also increases.

Bulus konusu sistemde (1) yer alan elektronik cihaz (2), uygulama (3), veri tabani (4) ve sunucu (5) kullaniciya veri gizliligi ilkeleri dogrultusunda bilgilendirme ve onay sunmakta olup, Kisisel Verilerin Korunmasi Kanunu (KVKK) dahilinde faaliyet göstermektedir. Electronic device (2), application (3), database in the inventive system (1) (4) and server (5) inform the user in accordance with data privacy principles and provides approval, within the scope of the Personal Data Protection Law (KVKK) Operates.

Bu temel kavramlar etrafinda, bulus konusu “Bir Kredi Geri Ödeme Sistemi” ile ilgili çok çesitli uygulamalarin gelistirilmesi mümkün olup, bulus burada açiklanan örneklerle sinirlandirilamaz, esas olarak istemlerde belirtildigi gibidir. Around these basic concepts, the subject of the invention is “A Loan Repayment System”. It is possible to develop a wide variety of related applications, the invention being described herein. not limited to examples, essentially as specified in the claims.

Claims

REQUESTS

1. Providing a flexible and dynamic loan repayment; - at least one electronic device (2) that can run at least one application on it and communicate with remote servers using any remote communication protocol, one application (3) and at least one database (4), which is structured to ensure that information about the credit applications and demographic characteristics of the users is kept, -the calculation of the user's risk rating periodically both during the loan application period and during the loan repayment plan period. A system (1) characterized by at least one server (5) configured to dynamically provide alternative reimbursement plans to the user as the user's risk trend changes, and update the current payment plan with the user's approval. . A system (1) as in Claim 1, characterized by an electronic device (2), which is a smart phone, tablet computer, desktop computer or portable computer. . A system (1) as in Claim 1 or 2, characterized by an electronic device (2) configured to execute at least one application (3) on which a loan application can be made and a flexible payment process regarding the repayment period can be carried out. Any of the above claims, characterized by an electronic device (2) configured to establish a connection with the server (5) using any remote communication protocol and to enable data exchange between the application (3) and the server (5) over this established connection, A system (1) as in Claim 4, characterized by an electronic device (2) configured to exchange data using the Internet as a bus. A system (1) as in any of the above claims, which is executed on the electronic device (2) and is characterized by the application (3) configured to exchange data with the server (5) over the communication established between the electronic device (2) and the server (5). . A system as in any of the above prompts, characterized by the application (3), which is configured to provide an interface for logging in with the personal information received from the user, upon the user's approval. A system (1) as in any of the above claims, characterized by an application (3) configured to provide an interface that allows the User to enter his demographic information and preferences in the form of flexible maturity and installment amount suitable for loan repayment. As in any of the above prompts, characterized by the application (3), which is configured to display the current and alternative repayment plans determined in accordance with the information in the form of maturity and installment amount of the user's loan application. Any of the above prompts, characterized by the application (3), which is configured to provide an interface A system (1) as in any of the above claims, characterized by the application (3) configured to provide an interface allowing it to select or reject a suitable plan and revise the payment plan. A system (1) as in any of the above claims, characterized by the database (4) that is in communication with the server (5) and is configured to be managed by the server (5). In it, the users who apply for a loan through the application (3) have risk rating obtained from the central credit bureau in the country, payment performance information about the services previously received from the financial institution from which the loan is requested, demographic information, information in the form of maturity for loan repayment, installment amount, selected loan repayment A system as in any of the above claims, characterized by the database (4) configured to record the plan information. To communicate with the electronic device (2) using any remote communication protocol, and the application executed on the electronic device (2) over this communication ( A system (1) as in any one of the above claims, characterized by the server (5) configured to exchange data with 3). To manage the database (4) with operations such as recording new data in the database (4), deleting the recorded data in the database (4) or changing the recorded data in the database (4) and updating the recorded data in the database (4). A system (1) as in any one of the above claims, characterized by the configured server (5). A system (1) as in any of the above claims, characterized by a server (5) configured to communicate with external servers in order to learn the risk rating of the user who has applied for credit from the central credit bureau in the country. A system as in any of the above prompts, characterized by a server (5) that is configured to collect data on the payment performance of the previously purchased services from the financial institution to which the user applying for a loan is applying. and a system (1) as in any of the above claims, characterized by the server (5) configured to calculate the instant risk of the user based on payment performance data. A system (1) as in any of the above claims, characterized by the server (5) configured to calculate the credit limit that can be given to the user in accordance with the calculated instantaneous risk data of the user applying for a loan. A system as in any of the above prompts, characterized by the server (5) configured to provide the calculation of alternative flexible repayment plans according to the credit limit, instant risk data of the user and the repayment preferences entered by the user through the application (3). A system (1) as in any of the above claims, characterized by a server (5) configured to ensure that offers regarding payment plans are presented to users via the application (3). A system (1) as in any of the above prompts, characterized by the server (5), which is configured to ensure the completion of the loan application process and the creation of the loan, with the repayment plan chosen by the users among the repayment offers offered to them through the application (3). A system (1) as in any of the above prompts, characterized by a server (5) that is configured to enable users to re-query alternative payment plan offers offered to them through the application (3). A system (1) as in any of the above prompts characterized by the server (5) configured to create new payment plan offers in line with the user's payment preferences with its value. A system (1) as in any of the above prompts, characterized by a server (5) configured to ensure that the repayment plan is revised in accordance with the changing risk value, in line with the choice made by the user over 3). A system (1) as in any of the above prompts, characterized by a server (5) that is configured to ensure that the instant risk value of the user is calculated at periodic intervals during the loan repayment period and that in case of a change in the risk trend, new repayment offers are created in accordance with the payment terms of the user. In any of the above prompts characterized by the server (5), which is configured to ensure that new reimbursement offers, which are dynamically calculated according to the changing instantaneous risk trend of the user, are presented to the user through the application (3) and that the repayment plan is revised in accordance with the changing risk value in line with the user's choice. a system like (1).