WO2020209812A1 - A flexible debt payment system - Google Patents

A flexible debt payment system Download PDF

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Publication number
WO2020209812A1
WO2020209812A1 PCT/TR2019/050618 TR2019050618W WO2020209812A1 WO 2020209812 A1 WO2020209812 A1 WO 2020209812A1 TR 2019050618 W TR2019050618 W TR 2019050618W WO 2020209812 A1 WO2020209812 A1 WO 2020209812A1
Authority
WO
WIPO (PCT)
Prior art keywords
customer
credit card
server
account
payment
Prior art date
Application number
PCT/TR2019/050618
Other languages
French (fr)
Inventor
Bilge Ozlem KOCA
Original Assignee
Turkiye Garanti Bankasi Anonim Sirketi
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Turkiye Garanti Bankasi Anonim Sirketi filed Critical Turkiye Garanti Bankasi Anonim Sirketi
Publication of WO2020209812A1 publication Critical patent/WO2020209812A1/en

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Classifications

    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a system for providing ease of flexible account cutoff period for credit card payments wherein the customer account is determined as available for cash flow by analysing the activities about the account that is used by customers for credit card debt payment.
  • the invention disclosed in the United States patent document no. US8799151 provides payment terms for a bank account; it particularly enables to provide discount for customers with an early payment option and to make payment in deferred or original payment terms set standard.
  • the invention disclosed in the United States patent document no. US8799151 mentions to provide customers with payment term options for the said bank accounts.
  • An objective of the present invention is to realize a system for providing ease of flexible account cutoff period for credit card payments wherein the customer account is determined as available for cash flow by analysing the activities about the account that is used by customers for credit card debt payment.
  • Figure 1 is a schematic block diagram of the inventive system.
  • the inventive system (1) configured for providing ease of flexible account cutoff period for credit card payments wherein the personal account of the customer (M) associated with the credit card debt payment is determined as available for cash flow by analysing the activities about the account that is used by customers (M) for credit card debt payment; comprises:
  • At least one personal account database (2) whereby the credit card payment of the customer (M) can be made;
  • At least one electronic device (3) which is configured to run at least one application on thereof;
  • At least one application (4) which runs over the electronic device (3); at least one server (5) which is configured to determine at least one account cutoff period for the credit card of the customer (M) by analysing the money inflow outflow transactions in the personal account database (2) of the customer (M) within the account cutoff period.
  • the personal account database (2) included in the inventive system (1) provides fund in order to be used for the credit card payment of the customer (M).
  • the personal account database (2) provides liquidity so as to be used for the credit card payment of the customer (M).
  • the personal account database (2) is associated with at least one credit card of the customer (M) by the customer (M) in order to be used for the debt payment about the credit card of the customer (M).
  • the personal account database (2) is at least one deposit account of the customer (M).
  • the personal account database (2) is at least one drawing account of the customer (M).
  • the personal account database (2) is used for payment of the credit card debt of the customer (M).
  • the electronic device (3) included in the inventive system (1) is a device such as mobile phone, tablet computer, desktop computer or portable computer.
  • the electronic device (3) is configured to perform data exchange by using any communication protocol.
  • the electronic device (3) performs data exchange by using a data bus such Internet.
  • the electronic device (3) is configured to run at least one application (4) on thereof.
  • the electronic device (3) is configured to enable users to execute transactions of credit card debt payment through a web portal link provided by using any remote communication protocol.
  • the application (4) included in the inventive system (1) is run over the electronic device (3).
  • the application (4) is carried out by accessing a web portal by means of communication protocol of a device such as desktop computer or portable computer and using the interface that is provided over the web portal.
  • the application (4) is configured to ensure that demands of the customers (M) for their transactions of credit card debt payment are received and managed by means of the interface provided over itself.
  • the application (4) is configured to offer at least one flexible credit card payment period for the credit card debt of the customer (M), who is determined by analysing the account activities about the personal account database (2) via the server (5), to the customer (M) and to carry out payment transactions.
  • the server (5) included in the inventive system (1) is triggered by the customer (M) demands created on the application (4).
  • the server (5) is configured to connect to a payment server (PS) by using the credit card information obtained from the customer (M) by means of the application (4).
  • the server (5) is configured to run a query on the payment server (PS) by using the credit card information of the customer (M) obtained over the application (4) and to access the cash flow data stating the money inflow outflow and date information that are included in the personal account database (2) associated with the credit card of the customer (M).
  • the server (5) is configured to ensure that the cash flow data stating the money inflow outflow and date information that are included in the personal account database (2), are processed.
  • the server (5) is configured to process the account activities of the personal account database (2).
  • the server (5) is configured to determine at least one flexible account cutoff date and/or period to be used for at least one credit card payment that is associated with the said account upon the money inflow outflow transactions in the account activities in the personal account database (2) are processed.
  • the server (5) is configured to determine at least one flexible account cutoff date and/or period to be used for at least one credit card payment that is associated with the said account upon the money inflow outflow transactions in the account activities in the personal account database (2), as the day when maximum cash inflow occurs in the personal account database (2) in the previous month.
  • the server (5) is configured to process the annual average money inflow outflow activities included in the personal account database (2) for determining flexible account cutoff date and/or period.
  • the server (5) is configured to share the determined flexible account cutoff date and/or period with the customer (M) over the application (4).
  • the server (5) is configured to share the determined flexible account cutoff date and/or period with the customer (M) over the electronic device (3).
  • the server (5) is configured to ensure that the customers (M) are informed about the determined flexible account cutoff date and/or period over the electronic device (3) via text message.
  • the server (5) is configured to meet and manage the customer (M) demands occurring on the application (4).
  • the server (5) is configured to connect to the payment server (PS) upon being triggered by the credit card debt payment demand of the customer (M) occurring on the application (4) and to ensure that the payment transaction is carried out.
  • the server (5) is configured to share the account transactions and the cash flow analysis performed about the personal account database (2), with the customers (M) over the electronic device (3).
  • the server (5) is configured to share the account transactions and the cash flow analysis performed about the personal account database (2), with the customers (M) over the interfaces provided over the application (4).

Abstract

The present invention relates to a system (1) for providing ease of flexible account cutoff period for credit card payments wherein the personal account database (2) of the customer (M) is determined as available for cash flow by analysing the activities about the account that is used by customers (M) for credit card debt payment.

Description

A FLEXIBLE DEBT PAYMENT SYSTEM Technical Field
The present invention relates to a system for providing ease of flexible account cutoff period for credit card payments wherein the customer account is determined as available for cash flow by analysing the activities about the account that is used by customers for credit card debt payment.
Background of the Invention
Today banks carry out collection transaction from customers by deducting the amount of the credit card debt from their accounts at certain account cutoff periods which are pre-determined within the scope of a contract, for debt payments of customers’ credit cards. In the event that the customer has no balance enough or shortfall in order to carry out the payment transaction for the due credit card debt, the debt payment transaction cannot be carried out and it leads to problems on both bank side and the customer side who gets service.
By analysing the account activities, in other words the periodic cash flow, of the account which is associated with the credit card payment of the customer and wherefrom the payment will be received; offering a flexible account cutoff period to customers for their credit card payments ensures ease in terms of payment, reduces the interest burden on the customer during the delayed collection period and also shortens the period of collection from the customer for the banks.
Considering the studies and the deficiencies included in the state of the art; it is understood that there is need for a system which is configured for the purpose of providing ease of flexible account cutoff period for credit card payments wherein the customer account is determined as available for cash flow by analysing the activities about the account that is used by customers for credit card debt payment.
The invention disclosed in the United States patent document no. US8799151, an application in the state of the art, provides payment terms for a bank account; it particularly enables to provide discount for customers with an early payment option and to make payment in deferred or original payment terms set standard. The invention disclosed in the United States patent document no. US8799151 mentions to provide customers with payment term options for the said bank accounts.
Summary of the Invention
An objective of the present invention is to realize a system for providing ease of flexible account cutoff period for credit card payments wherein the customer account is determined as available for cash flow by analysing the activities about the account that is used by customers for credit card debt payment.
Detailed Description of the Invention
“A Flexible Debt Payment System” realized to fulfil the objective of the present invention is shown in the figure attached, in which:
Figure 1 is a schematic block diagram of the inventive system.
The components illustrated in the figure are individually numbered, where the numbers refer to the following:
1. System 2. Personal account database
3. Electronic device
4. Application
5. Server
M: Customer
PS: Payment Server
The inventive system (1) configured for providing ease of flexible account cutoff period for credit card payments wherein the personal account of the customer (M) associated with the credit card debt payment is determined as available for cash flow by analysing the activities about the account that is used by customers (M) for credit card debt payment; comprises:
at least one personal account database (2) whereby the credit card payment of the customer (M) can be made;
at least one electronic device (3) which is configured to run at least one application on thereof;
at least one application (4) which runs over the electronic device (3); at least one server (5) which is configured to determine at least one account cutoff period for the credit card of the customer (M) by analysing the money inflow outflow transactions in the personal account database (2) of the customer (M) within the account cutoff period.
The personal account database (2) included in the inventive system (1) provides fund in order to be used for the credit card payment of the customer (M). The personal account database (2) provides liquidity so as to be used for the credit card payment of the customer (M). The personal account database (2) is associated with at least one credit card of the customer (M) by the customer (M) in order to be used for the debt payment about the credit card of the customer (M). In one embodiment of the invention, the personal account database (2) is at least one deposit account of the customer (M). In another embodiment of the invention, the personal account database (2) is at least one drawing account of the customer (M). The personal account database (2) is used for payment of the credit card debt of the customer (M).
The electronic device (3) included in the inventive system (1) is a device such as mobile phone, tablet computer, desktop computer or portable computer. The electronic device (3) is configured to perform data exchange by using any communication protocol. In a preferred embodiment of the invention, the electronic device (3) performs data exchange by using a data bus such Internet. The electronic device (3) is configured to run at least one application (4) on thereof. In one embodiment of the invention, the electronic device (3) is configured to enable users to execute transactions of credit card debt payment through a web portal link provided by using any remote communication protocol.
The application (4) included in the inventive system (1) is run over the electronic device (3). In one embodiment of the invention, the application (4) is carried out by accessing a web portal by means of communication protocol of a device such as desktop computer or portable computer and using the interface that is provided over the web portal. The application (4) is configured to ensure that demands of the customers (M) for their transactions of credit card debt payment are received and managed by means of the interface provided over itself. The application (4) is configured to offer at least one flexible credit card payment period for the credit card debt of the customer (M), who is determined by analysing the account activities about the personal account database (2) via the server (5), to the customer (M) and to carry out payment transactions.
The server (5) included in the inventive system (1) is triggered by the customer (M) demands created on the application (4). The server (5) is configured to connect to a payment server (PS) by using the credit card information obtained from the customer (M) by means of the application (4). The server (5) is configured to run a query on the payment server (PS) by using the credit card information of the customer (M) obtained over the application (4) and to access the cash flow data stating the money inflow outflow and date information that are included in the personal account database (2) associated with the credit card of the customer (M). The server (5) is configured to ensure that the cash flow data stating the money inflow outflow and date information that are included in the personal account database (2), are processed. The server (5) is configured to process the account activities of the personal account database (2). The server (5) is configured to determine at least one flexible account cutoff date and/or period to be used for at least one credit card payment that is associated with the said account upon the money inflow outflow transactions in the account activities in the personal account database (2) are processed. The server (5) is configured to determine at least one flexible account cutoff date and/or period to be used for at least one credit card payment that is associated with the said account upon the money inflow outflow transactions in the account activities in the personal account database (2), as the day when maximum cash inflow occurs in the personal account database (2) in the previous month. In one embodiment of the invention, the server (5) is configured to process the annual average money inflow outflow activities included in the personal account database (2) for determining flexible account cutoff date and/or period. The server (5) is configured to share the determined flexible account cutoff date and/or period with the customer (M) over the application (4). In one embodiment of the invention, the server (5) is configured to share the determined flexible account cutoff date and/or period with the customer (M) over the electronic device (3). In a preferred embodiment of the invention, the server (5) is configured to ensure that the customers (M) are informed about the determined flexible account cutoff date and/or period over the electronic device (3) via text message. The server (5) is configured to meet and manage the customer (M) demands occurring on the application (4). The server (5) is configured to connect to the payment server (PS) upon being triggered by the credit card debt payment demand of the customer (M) occurring on the application (4) and to ensure that the payment transaction is carried out. The server (5) is configured to share the account transactions and the cash flow analysis performed about the personal account database (2), with the customers (M) over the electronic device (3). The server (5) is configured to share the account transactions and the cash flow analysis performed about the personal account database (2), with the customers (M) over the interfaces provided over the application (4).
It is possible to develop various embodiments of the inventive system (1); the invention cannot be limited to examples disclosed herein and it is essentially according to claims.

Claims

1. A system (1) configured for providing ease of flexible account cutoff period for credit card payments wherein the personal account of the customer (M) associated with the credit card debt payment is determined as available for cash flow by analysing the activities about the account that is used by customers (M) for credit card debt payment; comprising:
at least one personal account database (2) whereby the credit card payment of the customer (M) can be made;
at least one electronic device (3) which is configured to run at least one application on thereof;
at least one application (4) which runs over the electronic device (3); and characterized by
at least one server (5) which is configured to determine at least one account cutoff period for the credit card of the customer (M) by analysing the money inflow outflow transactions in the personal account database (2) of the customer (M) within the account cutoff period.
2. A system (1) according to Claim 1; characterized by the personal account database (2) which provides fund in order to be used for the credit card payment of the customer (M).
3. A system (1) according to Claim 1 or Claim 2; characterized by the personal account database (2) which provides liquidity so as to be used for the credit card payment of the customer (M).
4. A system (1) according to any of the preceding claims; characterized by the personal account database (2) which is associated with at least one credit card of the customer (M) by the customer (M) in order to be used for the debt payment about the credit card of the customer (M).
5. A system (1) according to any of the preceding claims; characterized by the personal account database (2) which is at least one deposit account of the customer (M).
6. A system (1) according to any of the preceding claims; characterized by the personal account database (2) which is at least one drawing account of the customer (M).
7. A system (1) according to any of the preceding claims; characterized by the personal account database (2) which is used for payment of the credit card debt of the customer (M).
8. A system (1) according to any of the preceding claims; characterized by the electronic device (3) which is a device such as mobile phone, tablet computer, desktop computer or portable computer.
9. A system (1) according to any of the preceding claims; characterized by the electronic device (3) which is configured to perform data exchange by using any communication protocol.
10. A system (1) according to any of the preceding claims; characterized by the electronic device (3) which performs data exchange by using a data bus such Internet.
11. A system (1) according to any of the preceding claims; characterized by the electronic device (3) which is configured to run at least one application (4) on thereof.
12. A system (1) according to any of the preceding claims; characterized by the electronic device (3) which is configured to enable users to execute transactions of credit card debt payment through a web portal link provided by using any remote communication protocol.
13. A system (1) according to any of the preceding claims; characterized by the application (4) which is run over the electronic device (3).
14. A system (1) according to any of the preceding claims; characterized by the application (4) which is carried out by accessing a web portal by means of communication protocol of a device such as desktop computer or portable computer and using the interface that is provided over the web portal.
15. A system (1) according to any of the preceding claims; characterized by the application (4) which is configured to ensure that demands of the customers (M) for their transactions of credit card debt payment are received and managed by means of the interface provided over itself.
16. A system (1) according to any of the preceding claims; characterized by the application (4) which is configured to offer at least one flexible credit card payment period for the credit card debt of the customer (M), who is determined by analysing the account activities about the personal account database (2) via the server (5), to the customer (M) and to carry out payment transactions.
17. A system (1) according to any of the preceding claims; characterized by the server (5) which is triggered by the customer (M) demands created on the application (4).
18. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to connect to a payment server (PS) by using the credit card information obtained from the customer (M) by means of the application (4).
19. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to run a query on the payment server (PS) by using the credit card information of the customer (M) obtained over the application (4) and to access the cash flow data stating the money inflow outflow and date information that are included in the personal account database (2) associated with the credit card of the customer (M).
20. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to ensure that the cash flow data stating the money inflow outflow and date information that are included in the personal account database (2), are processed.
21. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to process the account activities included in the personal account database (2).
22. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to determine at least one flexible account cutoff date and/or period to be used for at least one credit card payment that is associated with the said account upon the money inflow outflow transactions in the account activities included in the personal account database (2) are processed.
23. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to determine at least one flexible account cutoff date and/or period to be used for at least one credit card payment that is associated with the said account upon the money inflow outflow transactions in the account activities in the personal account database (2), as the day when maximum cash inflow occurs in the personal account database (2) in the previous month.
24. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to process the annual average money inflow outflow activities included in the personal account database (2) for determining flexible account cutoff date and/or period.
25. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to share the determined flexible account cutoff date and/or period with the customer (M) over the application (4).
26. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to share the determined flexible account cutoff date and/or period with the customer (M) over the electronic device (3).
27. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to ensure that the customers (M) are informed about the determined flexible account cutoff date and/or period over the electronic device (3) via text message.
28. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to meet and manage the customer (M) demands occurring on the application (4).
29. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to connect to the payment server (PS) upon being triggered by the credit card debt payment demand of the customer (M) occurring on the application (4) and to ensure that the payment transaction is carried out.
30. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to share the account transactions and the cash flow analysis performed in the personal account database (2), with the customers (M) over the electronic device (3).
31. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to share the account transactions and the cash flow analysis performed in the personal account database (2), with the customers (M) over the interfaces provided over the application (4).
PCT/TR2019/050618 2019-04-12 2019-07-23 A flexible debt payment system WO2020209812A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
TR2019/05491A TR201905491A2 (en) 2019-04-12 2019-04-12 A FLEXIBLE DEBT PAYMENT SYSTEM
TR2019/05491 2019-04-12

Publications (1)

Publication Number Publication Date
WO2020209812A1 true WO2020209812A1 (en) 2020-10-15

Family

ID=67952367

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/TR2019/050618 WO2020209812A1 (en) 2019-04-12 2019-07-23 A flexible debt payment system

Country Status (2)

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TR (1) TR201905491A2 (en)
WO (1) WO2020209812A1 (en)

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110145112A1 (en) * 2006-10-23 2011-06-16 Dynatax Solutions, Ltd. Flexible and adaptive accrual method and apparatus for calculating and facilitating compliance with taxes and other obligations
US20150019416A1 (en) * 2003-06-30 2015-01-15 Checkfree Corporation Systems and methods for generating payment due notifications

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20150019416A1 (en) * 2003-06-30 2015-01-15 Checkfree Corporation Systems and methods for generating payment due notifications
US20110145112A1 (en) * 2006-10-23 2011-06-16 Dynatax Solutions, Ltd. Flexible and adaptive accrual method and apparatus for calculating and facilitating compliance with taxes and other obligations

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