TR201905680A2 - ONE INSTANT FUND TRANSFER METHOD - Google Patents

Abstract

The present invention relates to a method for a user to make a 24/7 instant fund transfer (instant payment) to another real or legal user, 365 days a year. This method allows the Sender to transmit the information of the Receiver through the channels of the Sender Participant, if the available balance of the Sender Participant is appropriate, the transaction is forwarded to the Buyer through the Receiver Participant, and if the transaction is positive, the account balances of the Sender and the Receiver are updated, as well as the available balances of the Sender Participant and the Receiver Participant. In the system which is the subject of the invention, the transactions are concluded in less than 1 minute, are completed in a definite and irreversible manner, the receiver and the sender are instantly informed at the end of the transaction and the transactions can be carried out 24/7.

Description

DESCRIPTION Technical Field of the Invention The present invention allows a user to have an account with a financial institution other than his or her own. provides money transfer and/or payment to any legal or natural person in relates to a method.

The method in question 0 365 days and 24/7 instant fund transfer - end-to-end and any type of application such as mobile, ATM, web, internet banking, QR sent from the channel, o Verification of the Buyer by the financial institution against the Buyer, that money is transferred to the recipient's account definitively and irrevocably at the time the fund is sent. to pass and - Afterwards, both the Recipient and the Sender are instantly informed about the transaction result. to be informed it provides.

Buyer customer; mobile phone number, identity card by the bank or financial institution number, digital ID, card number, passport number, e-mail address and tax It can be recognized by individual information such as the number. Thus, the person sending money Even if he does not know the account number, the customer information is counted and similar, and the customer of the Recipient bank can access his account information and transfer the money to the Receiver's account.

In addition, these transactions are within the limits (collateral) that banks want to define to this system. is completed, and as a result of successfully completed transactions for each institution, Clarification is being made and every day, the participant in the system regarding the successfully completed transactions. Reconciliation is made between the institutions and their settlement is ensured.

State of the Art Instant payment or instant money transfer method is currently available in the UK, Singapore, It is done in countries such as Denmark and European Union member states. In these methods It necessitates the transportation of data in a much larger size than is heard.

Money transfer systems made in the state of the art are owned by the Central Bank of the Republic of Turkey. It is done through EFT/PÖS systems and only banks that have an account at the CBRT. takes place between customers. Also, the system is only available when the CBRT is open. After 17:00, on weekends or public holidays Interbank money transfer is not possible. In this system, transactions between the sender and the receiver There is no notification about the result and there is no limit for the completion time of the transaction. does not exist.

Additionally, there are no checks to prevent it from being sent to an incorrect account.

Therefore, reversing an incorrect transaction is a risk for users and a risk for banks. As another method, global card schemes (Visa, MasterCard, Amex etc.) In the form of money transfer from card to card, sender customer's credit or bank transfer is used. The amount can be transferred from the card to another customer's bank or credit card. This International schema and domestic forwarding and clearing services can be used in transactions. Transactions cannot be made using only the account number.

Therefore, in the state of the art, financial institutions in Turkey can be a party, where fields can be defined in accordance with local needs, users can instantly access from account to account. There is a need for a payment method through which money transfer (payment) can be made.

In addition to these, the data size carried in the message format used in foreign examples A new message format has been developed because it is not suitable for

Accordingly, the method subject to the invention is the Sender, the Sender's financial institution, the Recipient, It describes a payment method between the buyer's financial institution.

Person to person, person to person, such as rent, salary, credit card payment, pocket money, bill payment In transactions that can be carried out from institution to institution, from institution to person, the bank and accounts initiated from different banks (and/or authorized to send money) In the case of financial institutions), the EFT/PÖS of the Central Bank of the Republic of Turkey Money transfer transactions made over the systems are 24/7 and instantaneous (for example, 30 The instant fund transfer process is being developed for sending

With the solution to be developed, it works end-to-end and in a definitive and irrevocable manner the moment it is sent. which allows the money to be transferred to the Buyer's account, and then both the Buyer and the Buyer regarding the transaction result. and the Sender customer will be informed immediately.

With the query services to be developed, it will be possible to control the account in the opposite bank, counter account Owner information will be shown to the Shipper in a masked format and the Shipper will be sent to the correct Receiver. will be able to see that you have made the transfer.

Brief Description of Figures Figure 1: Communication between units in an instant fund transfer method in accordance with the present invention. shows the sematic view.

Figure 2: Shows the schematic view of the payment system of the present invention.

Figure 3: The flow diagram of an application of the instant fund transfer method, which is the subject of the invention. shows.

References R1: Sender R2: Sender Participant R3: Recipient Participant R4: Receiver R5: Instant Funds Transfer System R51: Fund Transfer Module RSZ: Liquidity Management Module R53: System Management Module R54: API Gateways Module RSS: Reporting Module R6: Consensus Body R61: Borrower Participant Account R63: System Manager Instant Funds Transfer Account R7: Security and Support Module R8: DataMatrix and Token Module R9: Customer Information Module Description of the Invention Existing invention is a user (R1) own Financial institution Shipper From the Participant (R2) to another financial instrument via the Instant Funds Transfer (AFT) system (R5). Fund transfer to another user (R4) who has an account in the Recipient Participant (R3), which is an institution pertaining to the method.

On the other hand, existing invention sender (R1), Sender Participant (R2), AFT system (R5), A fund containing Recipient Participant (R3), Recipient (R4), Settlement Board (R6) units pertaining to the transfer system. It contains according to an embodiment of the fund transfer system of the invention. A flowchart showing the query and financial flow between the units it serves is shown in Figure 1. is shown.

Here, the Sender (R1) has an account with the Sender Participant (R2), the financial institution they work with and a customer who wishes to transfer funds in accordance with the invention. Sender Participant (R2) may be a financial institution with which customers have accounts.

The Buyer (R4) has an account with the Recipient Participant (R3), the financial institution he/she works with and is in compliance with the invention. There may be a customer who will accept the transfer of funds as Recipient Participant (R3) to existing invention A financial institution that the Recipient has an (R4) account that will accept the transfer of funds according to it could be.

In terms of the present invention Sender (R1) Sender Participant and Recipient (R4) Recipient To the participant (R3) via interfaces such as mobile, ATM, web, internet banking, QR can introduce himself and enter the necessary information for the transfer of funds.

Invention Instant Funds Transfer (AFT) system (R5) is an AFT Funds Transfer Module (R51) and an AFT Liquidity Management Module (R52).

The AFT system (R5), the subject of the invention, AFT Fund Transfer Module (R51) and an AFT Liquidity It preferably includes a System Management Module (R53) in addition to the Management Module (R52). is doing. The System Management Module in question is necessary for the AFT System (R5) to work. configuration and parameter definitions, backup, cleaning, monitoring, etc. It is a module where operations are made and not accessible to the Participants.

In addition to these modules, the instant fund transfer system (R5) of the invention is an API Gateway. Module (R54) and a Reporting Module (RSS).

API Gateways Module (R54) for executing transaction flows through the system Access of the services provided to the participants from a single point to the stakeholders of the AFT System (R5) It is the module where it is opened, authorized and managed.

Reporting Module (R55) provides instant, daily, detailed or monthly summaries of transactions. It is an archive and reporting module that enables reporting and querying of transaction details.

In different embodiments of the invention, the subject of the invention AFT system (R5) is mentioned above. In addition to modules, optional Security Support Module (R7), DataMatrix and Token Module (R8), Customer Information Module (R9) one, several or can contain them all. The instantaneous transfer system of the invention covers all of the said inodules. The units of the system are shown in Figure 2 according to a configuration that includes

A preferred embodiment of the invention is Security Support, which may be optionally available. Module (R7) for online or fraudulent fraud detection and anti-money It is a decision support module where rules that work close to online7 are operated.

QR Code and Token module, which can be optionally available in another embodiment of the invention (R8) Sender (R1) and Receiver (R4) face to face and payment is initiated with QR in cases where it is not face-to-face and the payment is initiated with a link Support for dynamically generating and verifying the QR and link to be used. is the module, Customer Information that may be optionally available in another embodiment of the invention Module (R9) Sender (R1) and Receiver (R4) transaction result of participant, organization or customer Support that provides information about the subject via SMS, push notification or e-mail module.

Fund Transfer Module (R51) in the AFT System (R5), the main module of the AFT System, which is the subject of the invention and manages the end-to-end transaction flow. Fund Transfer Module (R51) Sender and Receiver working in sync with AFT Liquidity Management Module (R52) It manages the limits of the participants (R2, R3) instantly.

Provided via API Gateways Module (R54) in the AFT System (R5). With the help of web services, different formats and workflows can be supported.

Security Support, which can be optionally included in the AFT System (R5), which is the subject of the invention Approving the transactions according to the rules governed here in the "Module (R7), if needed, can be rejected, directed or warned of the participants.

The Customer, who can optionally be included in the AFT System (R5), which is the subject of the invention The Information Module (R9) can provide instant notifications to the participant or customer, if needed. may trigger notification.

The Settlement Body (R6) in the fund transfer system, which is the subject of the invention, is a System Operator. AFT account (R63), one debtor participant account (R61), and one creditor participant account (R62) contains.

The subject of the invention is a fund transfer method and the said fund transfer method is as follows: It contains the steps: a. Sender (R1) forwards fund transfer request to Sender Participant (R2) (F1), b. My Sending Participant (R2) sends the transaction to the AFT system (R5) (F2), C. Incoming Funds Transfer Module (R51) in AFT System (R5) the form of the request is checked and the request is submitted by the Sending Participant (R2). It is forwarded to the Liquidity Management Module (R52) for checking the available balance. if the balance is sufficient, blocking the amount of funds subject to the transfer (L1), D. AFT Fund Transfer Module (R51) transmitting the transaction to the Recipient Participant (R3) (F3), to. The transaction that passed the security checks of the Recipient Participant (R3) transmitting positive/negative results to the AFT System (R5) (F4), f. With the positive result of the transfer, in the Liquidity Management Module (R52) Available balances of Sender and Recipient Participants (R2 and R3) update (L2), g. The result of the transaction is sent to both the Sending Participant (R2) and the Receiving Participant (R3). and the amount of funds associated with a successful transaction is debited from the Sender's (R1) account. Transactions of the Sender (R1) and the Receiver (R4) are reflected in the Receiver (R4) account. Immediate notification of the result (FS-F6) Accordingly, in an inventive fund transfer method, the Sender (R1) is the first step to transfer funds. sends its request to the Sender Participant (R2) (F1).

Sender (R1) in step (F1) of the present invention fund transfer method It transmits the user information of the person to whom it wants to send money to the Participant (R2). Aforementioned user information, mobile phone number, TR ID number, digital 1D, card number, It may contain information such as passport number, tax number, e-mail address.

In a preferred embodiment of the fund transfer method which is the subject of the invention, it is a financial transaction. Prior to the transfer of funds (Fl), the Sender via AFT (R5), using the "Recipient inquiry service" The Buyer can inquire about the Customer (R4) from the Participant (R3) (S1-S3). Such a With the realization of this step, an additional security step has been added and faulty transfers have been detected in the system. will be avoided. In such a questioning step (S1-SS) Alicil's (R4) name-surname masked will be shown to the Sender in some way.

In the same preferred structuring of the fund transfer method subject to the invention, in the next step Recipient Participant (R3) sends information about his customer (Recipient) (R4) via AFT (R5) It can transmit (84-86) to the participant (R2).

Sending Participant (R2) in step (F2) of the present invention subject fund transfer method sends the transaction information regarding the fund transfer request to the AFT system (R5). This message is AFT Fund It is covered by the Transfer Module (R51).

In the fund transfer method, which is the subject of the invention, in the AFT System (R5) in step (L1) AFT Fund Transfer Module (R51) format etc. Make the necessary checks and sender For the control of the available balance of the participant (R2), the AFT System (R5) It sends it to the Liquidity Management Module (R52) in it. In this step, AFT Fund Transfer The format of the fields in the transmitted message in the control performed by the module (R51) aspects such as controls are considered.

AFT Fund Transfer Module (R51) is an online instant connection between the Sender and the Receiver Participant. It is the main module that provides the transmission of fund transfer messages. Sender Participant Coordination with other modules, where the Usable Limit is checked instantly It is the main module of the system.

In line with the guarantee of the Sender Participant in the AFT Liquidity Management Module (R52) The available limit is checked and the Sender will continue until the Receiver Participant approves the transaction. If the participant's (R2) usable balance is sufficient, the limit is blocked up to the relevant fund amount.

In step (F3) of the fund transfer method, which is the subject of the present invention, in the AFT system (R5) Transaction information is transmitted to Recipient Participant1 (R3) via AFT Fund Transfer Module (R51).

In the step numbered (F4) of the fund transfer method, which is the subject of the present invention, the necessary information about the customer The Recipient Participant (R3), who controls the transaction, receives the approval or rejection response of the transaction in the AFT System. (R5) AF T transmits to Fund Transfer Module (R51). Promise in a fund transfer method in accordance with the invention The subject transaction and security controls are the recipient's (R4) mobile phone number, TR identity number, It can contain digital ID, card number, passport number, tax number information.

In the step (L2) of the fund transfer method, which is the subject of the invention, according to the result of the transaction, APT Participant available balances are updated in the Liquidity Management Module (R52). Transfer Sender and Receiver in Liquidity Management Module (R52) The available balances of the participants (R2 and R3) are updated. In other words, the Sender The usable limit of the “Participant” (R2) decreases by the amount of the transaction, while that of the “Recipient Participant” (R3) increases by the amount of the transaction.

In the step numbered (F5) of the fund transfer method, which is the subject of the present invention, in the AFT System (R5) Returns to AFT Fund Transfer Module (R51) Sending Participant (R2) that the transaction has been concluded and transmits it to the Receiver Participant (R3). With this message, if the transaction is successful, the Sender The Participant (R2) is the Sender's (R1) and the Receiver is the Participant (R3) is the Receiver's (R3) Updates their balances in their systems. In other words, the result of the operation in step F5 If it is positive, the amount of funds will be deducted from the Sender (R1) account and the Receiver (R4) account will be deducted. Sender (R1) and Receiver (R4) are informed by reflecting on their account.

In the fund transfer method, which is the subject of the invention, in the steps (F6), the Sender (R1), the Sender From the Participant (R2) and the Recipient (R4) of the money transfer transaction from the Recipient Participant (R3) receives an instant notification message that it is complete.

Calculation related to AFT System (R5), Settlement Body (R6) after the end of day process performed via. System Operator Instant Fund in Consensus Body (R6) Transfer Account (R63), Debtor Participant account (R61) and Payee Participant account (R62) Sender and Receiver during the day in AFT System (R5) fund transfer system, which is the subject of the invention It instantly clarifies all the transfers made between the participants (R2, R3).

At the end of the day, net debits and credits on a participant basis as of that moment Calculation with the transfer transactions made in the accounts in the Settlement Board is completed.

Accordingly, in addition to the steps F1-F6 explained above in the fund transfer method of the invention, As a result, the AFT System (R5) in step Gl will be performed at a specified time on the day. At the end of the Liquidity Management Module (R52), Sender and Receiver Participants (R2 and R3) Netted debt/credit taking into account all fund transfer transactions made until 0 calculates the amounts and notifies the Sender and Recipient Participants (R2 and R3).

In the fund transfer method, which is the subject of the invention, after the step numbered G1, in the step numbered G2, the system Debtor Participant account (Role) net debt amount until the time determined by the System. The business deposits the business in the AFT Account (R63).

In the fund transfer method of the invention, in addition to the steps G1 and G2, G3 In the next step, after collection of debts, the net receivables of the Creditor Participants (R3) It is credited to participant accounts (R62). ((33) The flow diagram of an application of the instant fund transfer method, which is the subject of the invention, is shown in Figure 3. is shown.

Fund transfer realized in the fund transfer system and method, which is the subject of the invention, is a product. It may relate to purchase or payment of a bill or any money transfer transaction.

To be used in all F and S flows of the fund transfer method, which is the subject of the invention, Json A new message standard specific to Turkey has been created over the format.

Invented fund transfer system microservices, virtualization systems, open source text search engine and data analysis tools, log collectors and indexing them. systems, data visualization platforms, software development platforms, router services, servers, databases.

Thanks to the fund transfer system, which is the subject of the invention, a national message structure is developed. In the use of the inventive system, there is also a national A QR standard is also being created. In this way, an instant fund transfer transaction can be made by scanning the QR code. can be launched. In this context, the required data to be able to start the process is in the relevant QR. QR standard will be developed so that it can be found. The fund transfer system in question is both 24/7. It enables fund transfer as well as the possibility of transfer with methods other than IBAN. it provides. In addition, thanks to the fund transfer system, which is the subject of the invention, invoice, tax shopping Instant fund transfer can be made in new transaction types and areas such as Invention fund transfer system can realize instant fund refund and other payment or money transfer by offering more advanced credit, pre-funding and collateral methods than simplifies its management.

Claims (14)

REQUESTS 1. It is a fund transfer system and its feature is that it contains sender (R1), Sender Participant (R2), AFT system (R5), Recipient Participant (R3), Receiver (R4), Settlement Board (R6) units. 2. A fund transfer system according to claim 1, characterized in that the AFT system (R5) includes an AFT Fund Transfer Module (R51) and an AFT Liquidity Management Module (R52). 3. A fund transfer system according to claim 1, characterized in that a Settlement Board (R6) contains a Debtor Participant account (R61), a Payee Participant account (R62) and a System Operator AFT Account (R63). 4. It is a fund transfer method and it contains the following steps: Sender (R1) forwards fund transfer request to Sender Participant (R2) (F1), Sender Participant (R2) sends transaction information to AFT system (R5) (F2) , Fund Transfer Module (R51) in the AFT System (R5) checks the form of the incoming request and forwards the request to the Liquidity Management Module (R52) for the control of the available balance of the Sender Participation (R2), if the balance is sufficient, the fund amount subject to the transfer is blocked (LI ), AFT Fund Transfer Module (R51) transmits the transaction information to the Recipient Participant (R3) (F3), Recipient Participant (R3) transmits the positive/negative result of the transaction passing the security checks to the AFT System (R5) (F4), With the positive conclusion of the transfer, the available balances of the Sender and Recipient Participant0171 (R2 and R3) are updated (L2) in the Liquidity Management Module (R52), and the result of the transaction is both Sender Participant (R2) and Recipient Floor. limc1 (R3) and if it is a successful transaction, the relevant fund amount is deducted from the Sender (R1) account and reflected on the Receiver (R4) account, and the Sender (R1) and the Receiver (R4) are immediately informed about the transaction result (FS-F6). It is a fund transfer method according to claim 4, the feature of which is to forward the fund transfer request to the Recipient Participant (R3) in step (F1) of the method in question, where the Sender (R1), the Recipient (R2) wants to send money to the Sender Participant (R2). R4) includes the step of entering user information. It is a fund transfer method according to Claim 5, and its feature is the mobile phone number, TR ID number, digital ID, card number, of the user information of the Receiver (R4) to whom the Sender (R1) wants to send money to the Sender Participant (R2) in step (F1). It contains one or more of the individual information such as passport number, e-mail address and tax number. It is a fund transfer method according to any of the claims 5-67nm, and its feature belongs to the Recipient Participant (R3) from the Recipient Participant (R3) via the AFT system (R5), preferably after the Sender (1) transmits the transfer request to the Sending Participant (R2) after step (F1). (R4) is the security information query. It is a fund transfer method according to any of the claims 5-7, the feature of which is the inquiry message (Sl-86) of the Sending Participant before the step (F1) and preferably the information about the Recipient Participant1's (R3), customer (Recipient) (R4). It is a masked transmission to Sender Participant017 (R2) over AFT (R5). It is a fund transfer method according to Claim 5-8, and its feature is that, in addition to the steps numbered F 1-F6, the AFT System (R5) in the step numbered Gl, the Sender and Recipient Participants (R2 and R3) on the Liquidity Management Module (R52) at the end of the day. It includes calculating the netted debit/credit amounts and notifying the Sender and Recipient Participants (R2 and R3). It is a fund transfer method according to Claim 9, and its feature is that it includes the step of depositing the net debt amount of the Debtor Participant account (R6l) to the System Operator AF T Account (R63) at the end of the day in the step numbered G2 in addition to the step no Gl. It is a fund transfer method according to any of the claims 9-10, and its feature is to deposit the net receivables of the Creditor Participants in the Creditor Participant accounts (R62) after the collection of the debts in the step numbered G3 in addition to the step numbered G] and G2. 12. It is an instant fund transfer (APT) system (R5), characterized in that it contains an AFT fund transfer module (R51), an AFT liquidity module (R52). It is the 13th claim and its feature is that the said system preferably includes a System Management Module (R53) in addition to the AFT Fund Transfer Module (R51) and an AFT Liquidity Management Module (R52). 14. It is an AFT system (R5) according to claim 13, the feature of which is one, more or all of the modules selected from Security Support Module (R7), DataMatrix and Token module (R8), Customer Information Module (R9) optionally in addition to the mentioned modules. it can contain.