WO2022103368A2 - A system for splitting an expenditure amount into extra installments - Google Patents

A system for splitting an expenditure amount into extra installments Download PDF

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Publication number
WO2022103368A2
WO2022103368A2 PCT/TR2021/051166 TR2021051166W WO2022103368A2 WO 2022103368 A2 WO2022103368 A2 WO 2022103368A2 TR 2021051166 W TR2021051166 W TR 2021051166W WO 2022103368 A2 WO2022103368 A2 WO 2022103368A2
Authority
WO
WIPO (PCT)
Prior art keywords
customer
installments
extra
splitting
server
Prior art date
Application number
PCT/TR2021/051166
Other languages
French (fr)
Other versions
WO2022103368A3 (en
Inventor
Alara YALCIN
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 WO2022103368A2 publication Critical patent/WO2022103368A2/en
Publication of WO2022103368A3 publication Critical patent/WO2022103368A3/en

Links

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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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 extra installments for invoices of customers who are suitable at the end of shopping upon financial data of these customers doing the shopping are analysed, and for enabling banks to earn more income from invoices with extra installment.
  • the United States patent document no. US20190340595 discloses a method for providing a customer with an opportunity of optimum installment shopping transaction.
  • the method in the said invention conducts steps of a customer transmitting information about product to be purchased by establishing a voice or written communication with a communication representative during a purchase, a communication representative determining the price of a product to be purchased, determining installment options suitable for the customer by analysing the product price and other information, and the customer completing the payment transaction by choosing one of the installment options.
  • An objective of the present invention is to realize a system for offering a special additional installment option to a customer at the end of shopping by analysing customers’ credit ratings, credit debts, credit card limits, differences between income-expense by means of artificial intelligence algorithms; enabling a bank to make more profit by demanding payment interest from the customer who approves the additional installment option; splitting the expenditure amount into extra installments.
  • Figure 1 is a schematic view of the inventive system for splitting an expenditure amount into extra installments.
  • the electronic device (2) included in the inventive system (1) a smart device in the form of mobile phone, tablet or computer that is used by the customer (U) and configured to enable the customer (U) to communicate with other persons.
  • the electronic device (2) is configured to enable the customer (U) to enter the credit card information of the bank (B) where s/he has an account and to split the shopping amount into installments during online shopping and/or monetary transactions, by means of input units located on it.
  • the server (3) included in the inventive system (1) is configured to access the credit card information of the customer (U) by communicating with the electronic device (2), to detect identity information of the customer (U) by querying the credit card information of the customer (U) on the bank (B).
  • the server (3) is configured to detect debts, credit rating, credit card limits, difference of income and expense of the said customer (U) by getting in contact with at least one external server (ES), upon detecting the identity information of the customer (U).
  • the server (3) is configured to detect whether the related customer (U) is suitable for using the opportunity of additional installment or not by analysing the criteria such as debt, credit rating, credit card limit, difference of income and expense of the customer (U) via artificial intelligence algorithms, by means of the external server (ES).
  • the server (3) is configured to enable the related customer (U) to increase the number of installments in his/her current payment by transmitting the additional installment option to the electronic device (2) of the customer (U), when it allows the customer (U) to use the opportunity of additional installment.
  • the server (3) is configured to query whether the customer (U) is within a billing period or not by getting in contact with the bank (B) when it does not allow the customer (U) to use the opportunity of additional installment, to create an opportunity of additional installment according to the balance of income and expense information of the customer (U) upon detecting that the customer (U) is a billing period and to transmit an additional installment option to the electronic device (2).
  • the server (3) which is configured to enable the bank (B) to earn interest income by means of customers (U) who use additional installment by determining the payment interest of the related customer (U), upon controlling the bank (B) account of the user (U) who checked the additional installment option.
  • the customer (U) does online shopping by using the credit card of the bank (B) by means of the electronic device (2).
  • Shopping information included on the electronic device (2) are transmitted to the server (3) in the system (1).
  • the server (3) detects the credit card limit, credit rating of the customer (U) by getting in contact with the external servers (ES).
  • the server (3) checks whether the customer (U) can make use of additional installment opportunity or not by analysing the current credit card spending of the customer (U) together with his/her data such as credit card limit, credit rating by means of artificial intelligence algorithms.
  • the server (3) Upon detecting that the customer (U) can make use of additional installment opportunity, the server (3) enables the related customer (U) to take the advantage of additional installment by ensuring that the customer (U) can increase the number of installments s/he chooses in shopping. Besides, the server (3) determines the payment interest by checking the account of the customer (U) -who uses the option of additional installment- in the bank (B). With the inventive system (1), banks (B) are enabled to make more profit by offering a special additional installment option to a customer (U) at the end of shopping upon analysing customers’ (U) credit ratings, credit debts, credit card limits, differences between income-expense by means of artificial intelligence algorithms; by demanding payment interest from the customer (U) who approves the additional installment option.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Computer Security & Cryptography (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a system (1) for providing extra installments for invoices of customers (U) who are suitable at the end of shopping upon financial data of these customers (U) doing the shopping are analysed, and for enabling banks (B) to earn more income from invoices with extra installment.

Description

A SYSTEM FOR SPLITTING AN EXPENDITURE AMOUNT INTO EXTRA INSTALLMENTS
Technical Field
The present invention relates to a system for providing extra installments for invoices of customers who are suitable at the end of shopping upon financial data of these customers doing the shopping are analysed, and for enabling banks to earn more income from invoices with extra installment.
Background of the Invention
Today, credit cards are effective in shopping preferences of customers. Customers search with which banks the related store made an installment agreement when they enter a store, a shop by their credit cards. Stores which offer more installment options ensure that more customers visit the said store physically and/or online. As a result of number of installments which are predetermined by banks, the related bank demands interest from the related customer according to each installment options. Besides, interest-free installment options are also offered for customers. Shopping by installments is more advantageous in terms of customers in comparison to shopping by cash. In addition, even if customers demand more installment payments from stores, banks (contracted banks) with which the related store has an agreement assign a limit for a certain number of installments for the said store. In the state of the art, by making a deal with companies, banks can provide additional installment for expenditures made by customers. Also, in the state of the art, it is detected whether a related bank has an agreement with the company or not upon customers enter their card information while they are doing online shopping and when it is detected that the bank has an agreement with the related company, option for a certain number of installments is offered for the customer and then the customer is enabled to choose the number of installments at the end of the purchase. In the state of the art, there is no solution available for analysing various financial data of customers and then enabling to offer an additional installment option specific to the related customer.
Due to the above-mentioned reasons, there is need for a system for offering a special additional installment option to a customer at the end of shopping by analysing customers’ credit ratings, credit debts, credit card limits, differences between income-expense; enabling a bank to make more profit by demanding payment interest from the customer who approves the additional installment option; splitting the expenditure amount into extra installments.
The United States patent document no. US20190340595, an application in the state of the art, discloses a method for providing a customer with an opportunity of optimum installment shopping transaction. The method in the said invention conducts steps of a customer transmitting information about product to be purchased by establishing a voice or written communication with a communication representative during a purchase, a communication representative determining the price of a product to be purchased, determining installment options suitable for the customer by analysing the product price and other information, and the customer completing the payment transaction by choosing one of the installment options.
Summary of the Invention
An objective of the present invention is to realize a system for offering a special additional installment option to a customer at the end of shopping by analysing customers’ credit ratings, credit debts, credit card limits, differences between income-expense by means of artificial intelligence algorithms; enabling a bank to make more profit by demanding payment interest from the customer who approves the additional installment option; splitting the expenditure amount into extra installments.
Detailed Description of the Invention
“A System for Splitting an Expenditure Amount into Extra Installments” realized to fulfil the objectives of the present invention is shown in the figure attached, in which:
Figure 1 is a schematic view of the inventive system for splitting an expenditure amount into extra installments.
The components illustrated in the figure are individually numbered, where the numbers refer to the following:
1. System
2. Electronic device
3. Server
B. Bank
U. Customer
ES. External server
The inventive system (1) for splitting an expenditure amount into extra installments which enables to provide extra installments for invoices of customers (U) who are suitable at the end of shopping upon financial data of these customers (U) doing the shopping are analysed, and the banks (B) to earn more income from invoices with extra installment comprises: at least one electronic device (2) which is configured to enable a customer (U) to do online shopping by at least one debit card and/or credit card of a bank (B) and to split the shopping amount into installments; at least one server (3) which gets in contact with the bank (B), the electronic device (2) and the external server (ES); accesses shopping transactions carried out by a customer (U) on the electronic device (2), accesses monetary transaction criteria about the customer (U) by getting in contact with the external server (ES); enables to detect whether to provide an option of additional installment for the related customer (U) or not by analysing the monetary transaction criteria of the customer (U); and is configured to provide an additional installment option to the customer (U) who is found suitable for additional installment.
The electronic device (2) included in the inventive system (1) a smart device in the form of mobile phone, tablet or computer that is used by the customer (U) and configured to enable the customer (U) to communicate with other persons. The electronic device (2) is configured to enable the customer (U) to enter the credit card information of the bank (B) where s/he has an account and to split the shopping amount into installments during online shopping and/or monetary transactions, by means of input units located on it.
The server (3) included in the inventive system (1) is configured to access the credit card information of the customer (U) by communicating with the electronic device (2), to detect identity information of the customer (U) by querying the credit card information of the customer (U) on the bank (B). The server (3) is configured to detect debts, credit rating, credit card limits, difference of income and expense of the said customer (U) by getting in contact with at least one external server (ES), upon detecting the identity information of the customer (U). The server (3) is configured to detect whether the related customer (U) is suitable for using the opportunity of additional installment or not by analysing the criteria such as debt, credit rating, credit card limit, difference of income and expense of the customer (U) via artificial intelligence algorithms, by means of the external server (ES). The server (3) is configured to enable the related customer (U) to increase the number of installments in his/her current payment by transmitting the additional installment option to the electronic device (2) of the customer (U), when it allows the customer (U) to use the opportunity of additional installment. The server (3) is configured to query whether the customer (U) is within a billing period or not by getting in contact with the bank (B) when it does not allow the customer (U) to use the opportunity of additional installment, to create an opportunity of additional installment according to the balance of income and expense information of the customer (U) upon detecting that the customer (U) is a billing period and to transmit an additional installment option to the electronic device (2). The server (3) which is configured to enable the bank (B) to earn interest income by means of customers (U) who use additional installment by determining the payment interest of the related customer (U), upon controlling the bank (B) account of the user (U) who checked the additional installment option.
In the inventive system (1), the customer (U) does online shopping by using the credit card of the bank (B) by means of the electronic device (2). Shopping information included on the electronic device (2) are transmitted to the server (3) in the system (1). The server (3) detects the credit card limit, credit rating of the customer (U) by getting in contact with the external servers (ES). The server (3) checks whether the customer (U) can make use of additional installment opportunity or not by analysing the current credit card spending of the customer (U) together with his/her data such as credit card limit, credit rating by means of artificial intelligence algorithms. Upon detecting that the customer (U) can make use of additional installment opportunity, the server (3) enables the related customer (U) to take the advantage of additional installment by ensuring that the customer (U) can increase the number of installments s/he chooses in shopping. Besides, the server (3) determines the payment interest by checking the account of the customer (U) -who uses the option of additional installment- in the bank (B). With the inventive system (1), banks (B) are enabled to make more profit by offering a special additional installment option to a customer (U) at the end of shopping upon analysing customers’ (U) credit ratings, credit debts, credit card limits, differences between income-expense by means of artificial intelligence algorithms; by demanding payment interest from the customer (U) who approves the additional installment option.
It is possible to develop various embodiments of the inventive system (1) for splitting an expenditure amount into extra installments; the invention cannot be limited to examples disclosed herein and it is essentially according to claims.

Claims

1. A system (1) for splitting an expenditure amount into extra installments which enables to provide extra installments for invoices of customers (U) who are suitable at the end of shopping upon financial data of these customers (U) doing the shopping are analysed, and the banks (B) to earn more income from invoices with extra installment; comprising: at least one electronic device (2) which is configured to enable a customer (U) to do online shopping by at least one debit card and/or credit card of a bank (B) and to split the shopping amount into installments; and characterized by at least one server (3) which gets in contact with the bank (B), the electronic device (2) and the external server (ES); accesses shopping transactions carried out by a customer (U) on the electronic device (2), accesses monetary transaction criteria about the customer (U) by getting in contact with the external server (ES); enables to detect whether to provide an option of additional installment for the related customer (U) or not by analysing the monetary transaction criteria of the customer (U); and is configured to provide an additional installment option to the customer (U) who is found suitable for additional installment.
2. A system (1) for splitting an expenditure amount into extra installments according to Claim 1; characterized by the electronic device (2) which is a smart device in the form of mobile phone, tablet or computer that is used by the customer (U) and configured to enable the customer (U) to communicate with other persons.
3. A system (1) for splitting an expenditure amount into extra installments according to Claim 1 or 2; characterized by the electronic device (2) which is configured to enable the customer (U) to enter the credit card information of the bank (B) where s/he has an account and to split the shopping amount into installments during online shopping and/or monetary transactions, by means of input units located on it.
4. A system (1) for splitting an expenditure amount into extra installments according to any of the preceding claims; characterized by the server (3) which is configured to access the credit card information of the customer (U) by communicating with the electronic device (2), to detect identity information of the customer (U) by querying the credit card information of the customer (U) on the bank (B).
5. A system (1) for splitting an expenditure amount into extra installments according to any of the preceding claims; characterized by the server (3) which is configured to detect debts, credit rating, credit card limits, difference of income and expense of the said customer (U) by getting in contact with at least one external server (ES), upon detecting the identity information of the customer (U).
6. A system (1) for splitting an expenditure amount into extra installments according to any of the preceding claims; characterized by the server (3) which is configured to detect whether the related customer (U) is suitable for using the opportunity of additional installment or not by analysing the criteria such as debt, credit rating, credit card limit, difference of income and expense of the customer (U) via artificial intelligence algorithms, by means of the external server (ES).
7. A system (1) for splitting an expenditure amount into extra installments according to any of the preceding claims; characterized by the server (3) which is configured to enable the related customer (U) to increase the number of installments in his/her current payment by transmitting the additional installment option to the electronic device (2) of the customer (U), when it allows the customer (U) to use the opportunity of additional installment.
8. A system (1) for splitting an expenditure amount into extra installments according to any of the preceding claims; characterized by the server (3) which is configured to query whether the customer (U) is within a billing period or not by getting in contact with the bank (B) when it does not allow the customer (U) to use the opportunity of additional installment, to create an opportunity of additional installment according to the balance of income and expense information of the customer (U) upon detecting that the customer (U) is a billing period and to transmit an additional installment option to the electronic device (2).
9. A system (1) for splitting an expenditure amount into extra installments according to any of the preceding claims; characterized by the server (3) which is configured to enable the bank (B) to earn interest income by means of customers (U) who use additional installment by determining the payment interest of the related customer (U), upon controlling the bank (B) account of the user (U) who checked the additional installment option.
9
PCT/TR2021/051166 2020-11-10 2021-11-09 A system for splitting an expenditure amount into extra installments WO2022103368A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
TR2020/17920A TR202017920A2 (en) 2020-11-10 2020-11-10 A SYSTEM THAT ALLOWS EXPENSE INSTALLMENTS
TR2020/17920 2020-11-10

Publications (2)

Publication Number Publication Date
WO2022103368A2 true WO2022103368A2 (en) 2022-05-19
WO2022103368A3 WO2022103368A3 (en) 2022-06-23

Family

ID=75577006

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/TR2021/051166 WO2022103368A2 (en) 2020-11-10 2021-11-09 A system for splitting an expenditure amount into extra installments

Country Status (2)

Country Link
TR (1) TR202017920A2 (en)
WO (1) WO2022103368A2 (en)

Family Cites Families (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6064987A (en) * 1997-03-21 2000-05-16 Walker Digital, Llc Method and apparatus for providing and processing installment plans at a terminal
US10540645B2 (en) * 2016-05-05 2020-01-21 Mastercard International Incorporated Method and system for facilitating installments in an electronic transaction

Also Published As

Publication number Publication date
WO2022103368A3 (en) 2022-06-23
TR202017920A2 (en) 2021-02-22

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