TR202017884A2 - A SYSTEM THAT ALLOWS PARENTS TO CREATE A SAVING ACCOUNT ON BEHALF OF THEIR CHILDREN - Google Patents

Abstract

This invention relates to a system (1) that enables children to make savings by transferring a certain part of the amount in the savings accounts of the customer in the financial institution to the account of their own child, after determining whether the person who is the customer of financial institutions is a parent or not.

Description

DESCRIPTION SAVEMENT ACCOUNT ON BEHALF OF PARENTS' CHILDREN A SYSTEM THAT MAKES IT Technical Area This invention is based on whether a person who is a customer of financial institutions is a parent. after it is determined that the customer in question is not a certain part of the amount in the savings account is transferred to the own child's account. with a system that enables children to save Prior Art Today, bank customers can open more than one account with banks.

The customer is in the form of a salary account, deposit account, foreign currency account at the same bank. can open different accounts. Customers have savings account with a certain interest income. by opening it, it ensures that the principal in the account generates a certain interest every month, in the following month, the total amount in the customer's account increases. So the customer Instead of keeping his physical money in a safe, he is safe by giving his money to the bank. keeps it in the environment. Accumulation with certain interest income in the current technique Accounts can also be opened by customers on behalf of the customers' children.

The customer can transfer a certain part of the money in his account, in the form of eft. You can transfer it to your child's savings account using various methods. in the current art With the automatic instruction of the parent customer, the child customer from the parent customer's account if there is not enough balance in their account. automatically debiting a predetermined amount to the child customer's account. No solution has been found to enable it to be transferred.

For the above-mentioned reason, the parent customer's child customer's savings By enabling the child customer to set a target amount in their account, the savings children of parents who keep a certain amount fixed in their account There is a need for a system that enables them to create a savings account on behalf of them. specialized finance management teaching for children in the patent document from a system that enables it and a method that makes that system work is mentioned. The system in this invention is specialized financing for children. child management products in conjunction with a parent account. use by users and payment of pocket money, deposits and withdrawals, It enables the creation and management of savings account.

In the mentioned invention, the virtual platform opened by the parent in the financial institution for the child user. using the account with an interface viewed by a child user is provided. Virtual current account or virtual savings opened for a child user the account holder is the financial institution, the rule-setting parent and the financial institution, and The user is defined as a child user.

Brief Description of the Invention The purpose of this invention is to target the parent customer's child customer's savings account. by ensuring that the child in question determines the amount in the customer's savings account. certain amount to remain fixed, parents to save on behalf of their children is to implement a system that allows them to create the account.

Detailed Description of the Invention In order to achieve the purpose of this invention, the “Parents on Behalf of their Children” A System That Enables Creation of Savings Account” is shown in the figure and this Figure-1 Invention subject parents to create savings account on behalf of their children. It is the schematic view of a system that provides

The parts in the figure are numbered one by one and the corresponding numbers are given below. 2. Electronic device 3. Server U. User SPOUSE. Dis server A.ApplicationMama Whether the person who is a customer of financial institutions is a parent the savings in the financial institution of the said customer after the determination of transfer a certain part of the amount in their account to their child's account. the subject of the invention, parents who enable children to save a system that allows them to create savings accounts on behalf of their children (1); - the user (U) is a customer through at least one communication network at least one electronic device configured to enable it to communicate with the bank (B) - communicating with bank (B), electronic device (2), application (A) and external server (ES) to determine whether the customer of the bank (B) is a (U) child, Savings account related to his/her child via electronic device (2) to the user (U) who has Suggesting the opening of the savings account, giving the consent of the child to open the savings account by adding the user's (U) account of more than one person, at certain time intervals in order to ensure that money is transferred to the savings account of the child in question. contains at least one server (3) configured.

The electronic device (2) in the system (1), which is the subject of the invention, is created by the user (U). used to enable the user (U) to communicate with other people. It is a smart device configured as a mobile phone, tablet or computer.

The input units on the Electronic Device (2) and the user's (Ul bank's (B) By enabling the call center to initiate a call, the user (U) is on the bank (B). It is structured to enable the opening of a time and/or demand personal account.

In one embodiment of the invention, the bank (B) on the electronic device (2) By running the application (A) of the user (U) mobile term and / or demand opening a personal account, arranging information about his personal account, from the bank (B) to enable him to approve or reject the submitted proposals. is being configured.

By connecting with the server (3) bank (B) in the system (1), which is the subject of the invention, To determine whether the user (U) has a personal account on the bank, by accessing the account information of the user (U) who has a personal account. to determine whether the user (U) owes the bank (B). is being configured. The server (3) confirms that the user (U) does not owe the bank (B). After detecting it, it establishes a connection with external servers (ES) and (U) is configured to check parent status. Server (3) savings account in their child's name when they determine that the user (U) is a parent by having the user (U) set a specific date. money from his own personal account to his child's savings account on a regular basis throughout history It is configured to provide automatic transmission. Server (3) each He opened a savings account on behalf of his child by contacting the bank (B) during the statement period. checking the amount in the user's (U) personal account, when he/she detects that there is insufficient balance in his/her account, It is configured to prevent money transfer. Server (3) In cases where the user (U) does not have enough balance in his personal account, in the bank (B) electronic device (2) the user's (U) child by letting him/her choose it via the application (A) on it. The amount determined for the savings account created on behalf of the persons who are authorized It is configured to allow transfers from your accounts.

In the inventive system (l) with the electronic device (2], the user (U) with the bank (B) by communicating, he opens a personal account at the bank (B). Server (3) bank (B) It can be determined whether the user (U) has opened an account on the bank (B) by communicating with is doing. The server (3) connects with external servers (ES) and accesses the user's (U) He questions whether he has a child. Server (3) user's (U) electronic device (2) to the user (U) when he detects that he has a child He asks if he will create a savings account on behalf of his child.

While creating a savings account on behalf of the user (U) child, at certain time intervals from the account during the transfer of money from his own account to his child's account. determines the amount to be withdrawn. The server (3) is in the user's (U) personal account automatically at the bank in question (B } when it detects that there is sufficient balance remaining. transfers money to his child's savings account. Thus, both children savings are encouraged and the bank (B) earns.

With the Invention System (1 ], the parent customer's child customer's savings account by ensuring that the target amount is determined, the child in question is added to the customer's savings account. a fixed amount of a certain amount of savings account on behalf of parents' children Their creation is provided.

The subject of the invention allows parents to create savings account on behalf of their children. It is possible to develop a wide variety of applications of a system (1), and the invention not limited to the examples described herein, essentially as claimed in the claims.

Claims (9)

REQUESTS 1. After determining whether the person in the position of customer of financial institutions is a parent or not, it ensures that a certain part of the amount in the savings account of the said customer in the financial institution is transferred to his/her child's account and enables children to save; - containing at least one electronic Device (2) configured to enable the user (U) to communicate with his customer bank (B) over at least one communication network, and - bank (B), electronic device (2), application (A) and To determine whether the customer of the bank (B) who communicates with the external server (ES) has a child (U), to suggest to the user (U) with a child to open a savings account related to his child via the electronic device (2), (U) A system (1) that allows parents to create a savings account on behalf of their child, characterized by at least one server (3) that is configured to add funds to the savings account of that child at specified time intervals by adding more than one person's account. 2. It is characterized by an electronic device (2), which is an intelligent device in the form of a mobile phone, tablet or computer, used by the user (U) and configured to enable the user (U) to communicate with other persons, allowing parents to create a savings account on behalf of their children, as desired. a system (1). 3. Request 1, characterized by an electronic device (2) that is configured to enable the user (U) to open a time and/or demand deposit account with the bank (B) by enabling the user (U) to initiate a call to the call center of the bank (B) with the input units on it. A system that allows parents to create savings accounts on behalf of their children, like Zideki (1). 4. An electronic device ((A) configured to enable the user (U) to open a time and/or demand personal account, edit the information about his personal account, approve or reject the suggestions sent from the bank (B) by running the application (A) of the bank (B) on it. A system (1) that allows parents to create savings account on behalf of their Children as in claim 1, characterized by 2). 5. The server configured to determine whether the user (U) has a personal account on the bank by contacting the bank (B), and to determine whether the user (U) owes the bank (B) by accessing the account information of the user (U) who has a personal account. A system that allows parents to create a savings account on behalf of their children, as in any of the above requests characterized by (3) (1). 6. After determining that the user (U) does not owe the bank (B) to the bank (B), it is characterized by the server (3) configured to control the parental status of the said user (U) by connecting with external servers (ES) as in any of the above claims, on behalf of the children of the parents. a system that allows them to create savings account (1). 7. When it detects that the user (U) is a parent, it creates a savings account in the name of his child, allows the user (U) to set a specific date, and to automatically transfer money from his/her personal account to his/her child's savings account on a regular basis on that date. A system that allows parents to create savings accounts on behalf of their children, as in any of the claims ( l). 8. The server (U) is configured to check the amount in the personal account of the user (U) who has opened a savings account on behalf of his child by contacting the bank (B) in each statement period, and to prevent the transfer of money to the child's savings account when it detects that there is insufficient balance in the user's (U) personal account. 3), as in any of the above claims, characterized by a system (1) that enables parents to create savings account on behalf of their children. 9. In cases where the user (U) does not have enough balance in his personal account, it allows the people who have an account in the bank (B) and who have obtained prior permission to choose their accounts through the application (A) on the electronic device (2), and the permission is obtained for the amount determined by the user (U) for the savings account he has created on behalf of his child. A system (1) that allows parents to create savings account on behalf of their children, as in any of the above claims, characterized by a server (3) configured to transfer individuals from their accounts.