TR2022016787A2

TR2022016787A2 - AN INFORMATION SYSTEM

Info

Publication number: TR2022016787A2
Application number: TR2022/016787
Authority: TR
Inventors: Ceti̇nkaya Cukur Eyda
Original assignee: Türki̇ye Garanti̇ Bankasi Anoni̇m Şi̇rketi̇
Filing date: 2022-11-07
Publication date: 2023-09-21

Abstract

Bu buluş, düzenli ödeme yapan veya alan banka müşterilerinin belirli bir tarihte istediği bir iletişim kanalı üzerinden bilgilendirilmelerini sağlayan bir sistem (1) ile ilgilidir.This invention relates to a system (1) that enables bank customers who make or receive regular payments to be informed on a certain date through a communication channel of their choice.

Description

TARIFNAME BIR BILGILENDIRME SISTEMI Teknik Alan Bu bulus, düzenli ödeme yapan veya alan banka müsterilerinin belirli bir tarihte istedigi bir iletisim kanali üzerinden bilgilendirilmelerini saglayan bir sistem ile Önceki Teknik Günümüzde bankalar tarafindan müsterilere otomatik ödeme talimati veya düzenli para transferi seklinde imkanlar sunulmaktadir. Düzenli ödeme talimati veya otomatik ödeme talimati veren banka müsterileri ödemelerin hatirlatilmasi için belirli tarihlerde banka tarafindan bilgilendirme alabilmektedirler. Teknigin bilinen durumunda söz konusu bilgilendirme hizmeti ödeme yapan tarafa verilebiliyorken ödeme alan tarafin böyle bir hizmetten yararlanmasi saglanmamaktadir. Bu durum belirli periyotlarla banka hesabina para girisi olan müsterilerin memnuniyetsizligine neden olmaktadir. Bu sebeple mevcut teknikte bulunan çalismalar ve eksiklikler göz önünde bulunduruldugunda düzenli ödeme yapan veya alan banka müsterilerinin belirli bir tarihte istedigi bir iletisim kanali üzerinden bilgilendirilmelerini saglayan bir sisteme ihtiyaç duyuldugu anlasilmaktadir. Teknigin bilinen durumunda yer alan USll321726Bl sayili Birlesik Devletler patent dokümaninda, kullanicinin fatura ödemesi için tesvik edilmesini saglayan bir yöntemden bahsedilmektedir. Söz konusu bulustaki yöntemde islem verileri, bir servis saglayici ile baglantili bir satici tarafindan çalistirilabilen bir cihazdan ve cihaz ile servis saglayici ile baglantili sunucu bilgi islem cihazlari arasindaki bir ag iletimi yoluyla alinmaktadir. Islem verileri, alici ve satici arasindaki bir islemle ilgilidir. Servis saglayici, ticari bankacilik hizmetleri, finansman hizmetleri ve fatura hizmetleri vb. olmaktadir. Servis saglayicilar, saticilar adina faturalari izleyebilir ve/veya saticilarin bir fatura merkezi araciligiyla faturalari izlemesini saglayabilmektedir. Servis saglayici bir satici için fatura gönderebilmekte ve faturanin ödenip ödenmedigini/ne zaman ödendigini izleyebilmektedir. Servis saglayici, saticinin fatura merkezi araciligiyla fatura ödemelerini izlemesini saglamaktadir. Bir alici, faturanin vadesi geldiginde bir fatura için ödeme teklif edemez. Servis saglayici aliciya bir veya daha fazla hatirlatici göndermektedir. Bulusun Kisa Açiklamasi Bu bulusun amaci, belirli periyotlarla banka hesaplari üzerinden ödeme yapan veya alan banka müsterilerinin istedikleri tarihlerde, istedikleri iletisim kanali üzerinden otomatik olarak bilgilendirilmelerini saglayan bir sistem gerçeklestirmektir. Bulusun Ayrintili Açiklamasi Bu bulusun amacina ulasmak için gerçeklestirilen "Bir Bilgilendirme Sistemi" ekli sekilde gösterilmis olup, bu sekil; Sekil 1; Bulus konusu sistemin sematik görünüsüdür. Sekilde yer alan parçalar tek tek numaralandirilmis olup, bu numaralarin karsiliklari asagida verilmistir: 1 . Sistem 2. Elektronik cihaz 3 . Uygulama 4. Veri tabani . Sunucu Belirli periyotlarla banka hesaplari üzerinden ödeme yapan veya alan banka müsterilerinin istedikleri tarihlerde, istedikleri iletisim kanali üzerinden otomatik olarak bilgilendirilmelerini saglayan bulus konusu sistem (1); -herhangi bir uzak iletisim protokolünü kullanarak veri alisverisi gerçeklestirmek ve üzerinde en azindan bir uygulama yürütmek üzere yapilandirilan en az bir elektronik cihaz (2), -elektronik cihaz (2) üzerinde yürütülen, en azindan banka müsterisi kullanicilarin bankacilik islemlerini yürütebilmelerini, bilgilendirme talebi olusturabilmelerini ve bilgilendirme kosullarini girebilmelerini saglamak üzere yapilandirilan en az bir uygulama (3), -içerisinde banka müsterisi tarafindan girilen bilgilendirme kosullarini ve müsteri bilgilerini kayit altinda tutmak üzere yapilandirilan en az bir veri tabani (4) ve -herhangi bir uzak iletisim protokolünü kullanarak elektronik cihaz (2) ile iletisim kurmak ve kurulan bu iletisim üzerinden elektronik cihaz (2) üzerinde yürütülen uygulama (3) ile veri alisverisi gerçeklestirmek, veri tabanini (4) yönetmek, uygulama (3) üzerinden bir bilgilendirme talebi olusturuldugunda tetiklenerek ilgili müsterinin hesap bilgilerine ulasmak ve müsterinin hesabina gelen ve/Veya hesabindan çikan ödemeleri inceleyerek müsterinin hesabindan düzenli bir ödeme yapilip yapilmadigini ve/Veya müsterinin hesabina düzenli bir ödeme gelip gelmedigini tespit etmek, müsterinin düzenli ödeme yaptigi ve/Veya düzenli ödeme aldigini tespit ederse müsterinin uygulama (3) üzerinden aldigi bilgilendirme kosullari dogrultusunda ilgili iletisim kanali üzerinden bilgilendirme mesajinin iletilmesini saglamak üzere yapilandirilan en az bir sunucu (5) içermektedir. Bulus konusu sistemde (1) yer alan elektronik cihaz (2), üzerinde en az bir uygulama (3) yürütmek üzere yapilandirilan akilli telefon, tablet bilgisayar, masa üstü bilgisayar veya tasinabilir bilgisayar seklinde bir cihazdir. Söz konusu elektronik cihaz (2) ses çikisini saglayan hoparlörlere, görüntü alma yetenegine sahip en az bir kameraya ve tus veya dokunmatik ekran seklindeki bir girdi birimine sahiptir. Elektronik cihaz (2), teknigin bilinen durumunda yer alan herhangi bir iletisim protokolünü kullanarak sunucu (5) ile baglanti kurmak ve kurulan bu baglanti üzerinden uygulama (3) ve sunucu (5) arasinda veri alisverisi gerçeklesmesini saglamak üzere yapilandirilmaktadir. Bulusun tercih edilen uygulamasinda elektronik cihaz (2), sunucu (5) ile Internet seklinde bir veri yolunu kullanarak veri alisverisi gerçeklestirmek üzere yapilandirilmaktadir. Bulus konusu sistemde (1) yer alan uygulama (3), elektronik cihaz (2) üzerinde yürütülmekte olup en azindan banka müsterisi kullanicilarin bankacilik islemlerini yürütebilmelerini saglamak üzere yapilandirilmaktadir. Söz konusu uygulama (3) kullanicilarin düzenli para transferi veya alimi için bilgilendirme yapilmasi talebini olusturabilmelerini saglamak üzere yapilandirilmaktadir. Bulusun tercih edilen düzenlemesinde uygulama (3) hesabina düzenli para gelen banka müsterilerinin bilgilendirme talebini olustururken gönderici adi, soyadi, kimlik numarasi, gönderim miktari, gönderim periyodu ve elektronik posta, kisa mesaj veya bildirim seklindeki gönderim kanali bilgilerini girebilmelerine imkân saglayacak sekilde uyarlanan en az bir arayüz sunmak üzere yapilandirilmaktadir. Söz konusu uygulama (3) banka müsterisi kullanicilarin bilgilendirme gönderim periyodunu seçerken haftalik veya aylik seçenegini seçmeleri durumunda müsterilerin haftanin ve/veya ayin hangi günü gönderim yapilmasini istediklerini seçebilmelerine imkân saglayacak sekilde uyarlanan en az bir arayüz sunmak üzere yapilandirilmaktadir. Uygulama (3) kullanicinin bilgilendirme kanali olarak bildirim seçenegini seçmesi durumunda kullaniciya bir bilgilendire sunmak üzere yapilandirilmaktadir. Uygulama (3) kullanicilar tarafindan olusturulan bilgilendirme talep ve kosul bilgilerini sunucuya (5) iletmek üzere yapilandirilmaktadir. Bulus konusu sistemde (1) yer alan veri tabani (4) sunucu (5) ile iletisim halinde olup sunucu (5) tarafindan yönetilmek üzere yapilandirilmaktadir. Söz konusu veri tabani (4) içerisinde banka müsterisi tarafindan girilen bilgilendirme kosullarini ve müsteri bilgilerini kayit altinda tutmak üzere yapilandirilmaktadir. Söz konusu veri tabani (4) içerisinde müsterilerin banka hesaplarinda gelen ve/veya giden ödeme verilerini kayit altinda tutmak üzere yapilandirilmaktadir. Bulus konusu sistemde (1) yer alan sunucu (5), teknigin bilinen durumunda yer alan herhangi bir iletisim protokolünü kullanarak elektronik cihaz (2) ile iletisim kurmak ve kurulan bu iletisim üzerinden elektronik cihaz (2) üzerinde yürütülen uygulama (3) ile veri alisverisi gerçeklestirmek üzere yapilandirilmaktadir. Bulusun tercih edilen düzenlemesinde sunucu (5), elektronik cihaz (2) ile Internet seklindeki bir veri sebekesi üzerinden iletisim kurmak üzere yapilandirilmaktadir. Sunucu (5), veri tabani (4) içerisindeki verilere erismek ve veri tabani (4) içerisindeki verileri yönetmek üzere yapilandirilmaktadir. Bulusun tercih edilen düzenlemesinde sunucu (5), üzerinde verileri otomatik olarak isleyen, analiz eden ve ögrenerek kendini gelistiren en az bir yapay zeka çalistirmak üzere yapilandirilmaktadir. Sunucu (5) elektronik cihaz (2) ile kurulan iletisim vasitasiyla, uygulama (3) üzerinde kullanicilar tarafindan olusturulan bilgilendirme talebi ile tetiklenerek ilgili banka müsterisinin hesap verilerine veri tabani (4) üzerinden erismek ve söz konusu verileri yapay zeka ile analiz ederek kullanicinin düzenli aldigi ödeme olup olmadigini tespit etmek üzere yapilandirilmaktadir. Söz konusu sunucu (5) kullanicinin aldigi ödemelerin belirli bir esik degerin üzerinde olugunu tespit ederse kullanicinin iletmis oldugu bilgilendirme talebini onaylamak ve gerekli bilgilendirmeyi yapmak üzere yapilandirilmaktadir. Bulusun tercih edilen düzenlemesinde sunucu (5) kullanicinin aldigi düzenli ödemelerin sayisinin 2 ve/veya fazla sayida oldugunu tespit ederse kullanicinin iletmis oldugu bilgilendirme talebini onaylamak ve gerekli bilgilendirmeyi yapmak üzere yapilandirilmaktadir. Sunucu (5) bilgilendirme talebi onaylanan müsterinin düzenli ödeme aldigi müsteriyi tespit ederek söz konusu gönderici müsteriden bilgilendirme islemi için onay alinmasini saglamak üzere yapilandirilmaktadir. Sunucu (5) düzenli ödemeyi yapan müsterinin bilgilendirme islemi için onay vermesi durumunda bilgilendirme talebini olusturan müsterinin uygulama (3) üzerinden girdigi bilgilendirme kosullarini almak ve kullanicinin girdigi gönderici adi, soyadi, kimlik numarasi, gönderim miktari bilgilerini içeren bir bilgilendirme mesaji olusturarak kullanicinin belirledigi periyotta belirledigi iletisim kanali üzerinden iletmek üzere yapilandirilmaktadir. Bulusun sanayiye uygulanmasi Bulus konusu sistemde (1) her ay düzenli ödeme alan bir banka müsterisinin sahip oldugu elektronik cihazi (2) vasitasiyla uygulama (3) üzerinden ödemeyi alacagi gönderici kisisel bilgileri, gönderici hesap bilgileri ve ödeme tarihini girmesi ve gönderen kisiden onay alinmasi ile ödeme tarihi ve sonrasinda kullanicinin uygulama (3) üzerinde belirledigi periyotta ve iletisim kanali araciligi ile alici ve göndericiye bilgilendirme yapilmasi saglanmaktadir. Bu temel kavramlar etrafinda, bulus konusu "Bir Bilgilendirme Sistemi (1)" ile ilgili çok çesitli uygulamalarin gelistirilmesi mümkün olup, bulus burada açiklanan örneklerle sinirlandirilamaz, esas olarak istemlerde belirtildigi gibidir. TR TR DESCRIPTION AN INFORMATION SYSTEM Technical Field This invention is based on a system that allows bank customers who make or receive regular payments to be informed on a certain date through a communication channel of their choice. Prior Art Today, banks offer opportunities to customers in the form of automatic payment orders or regular money transfers. Bank customers who give regular payment orders or automatic payment orders can be informed by the bank on certain dates to remind them of their payments. In the known state of the art, while the information service in question can be provided to the paying party, the payment recipient is not allowed to benefit from such a service. This situation causes dissatisfaction of customers who periodically receive money into their bank accounts. For this reason, considering the studies and deficiencies in the current technique, it is understood that there is a need for a system that allows bank customers who make or receive regular payments to be informed on a certain date through a communication channel of their choice. In the United States patent document numbered USll321726Bl, which is in the state of the art, a method to encourage the user to pay the bill is mentioned. In the method of the invention in question, transaction data is received from a device that can be operated by a vendor associated with a service provider and through a network transmission between the device and the server computing devices associated with the service provider. Transaction data relates to a transaction between a buyer and seller. The service provider includes commercial banking services, financing services and billing services, etc. is happening. Service providers can track invoices on behalf of vendors and/or enable vendors to track invoices through an invoice center. The service provider can send an invoice to a vendor and track whether/when the invoice is paid. The service provider allows the merchant to track invoice payments through the billing center. A buyer cannot offer payment for an invoice when the invoice is due. The service provider sends one or more reminders to the recipient. Brief Description of the Invention The purpose of this invention is to realize a system that allows bank customers who make or receive payments through their bank accounts at certain periods to be automatically informed on the dates they want, through the communication channel they want. Detailed Description of the Invention "An Information System" realized to achieve the purpose of this invention is shown in the figure below; Figure 1; The subject of the invention is the schematic view of the system. The parts in the figure are numbered one by one, and the equivalents of these numbers are given below: 1. System 2. Electronic device 3. Application 4. Database . Server The system of the invention (1), which allows bank customers who make or receive payments through their bank accounts at certain periods to be automatically informed on the dates they want, through the communication channel they want; -at least one electronic device (2) configured to exchange data using any remote communication protocol and to run at least one application on it, -executed on the electronic device (2) to enable users who are at least bank customers to carry out banking transactions, create information requests, and At least one application (3) configured to enable users to enter the information conditions, -at least one database (4) configured to record the information conditions and customer information entered by the bank customer, and -an electronic device (2) using any remote communication protocol. ) and to exchange data with the application (3) running on the electronic device (2) through this communication, to manage the database (4), to access the account information of the relevant customer by being triggered when an information request is created through the application (3) and to access the customer's account. To determine whether a regular payment is made from the customer's account and/or whether a regular payment is received from the customer's account by examining the incoming and/or outgoing payments from the customer's account, and if it detects that the customer is making regular payments and/or receiving regular payments, in accordance with the information conditions the customer receives through the application (3). It includes at least one server (5) configured to ensure the transmission of the information message over the relevant communication channel. The electronic device (2) included in the system (1) subject to the invention is a device in the form of a smartphone, tablet computer, desktop computer or portable computer configured to run at least one application (3) on it. The electronic device (2) in question has speakers that provide sound output, at least one camera capable of taking images, and an input unit in the form of a button or touch screen. The electronic device (2) is configured to establish a connection with the server (5) using any communication protocol in the state of the art and to enable data exchange between the application (3) and the server (5) through this connection. In the preferred embodiment of the invention, the electronic device (2) is configured to exchange data with the server (5) using a data path in the form of the Internet. The application (3) in the system (1) subject to the invention is carried out on the electronic device (2) and is configured to enable at least bank customer users to carry out their banking transactions. The application in question (3) is configured to enable users to request notification for regular money transfers or receipts. In the preferred embodiment of the invention, the application (3) includes at least one device adapted to enable bank customers who receive regular money into their accounts to enter the sender's name, surname, identification number, sending amount, sending period and sending channel information in the form of e-mail, text message or notification when creating an information request. It is configured to provide an interface. The application in question (3) is configured to provide at least one interface adapted to allow bank customers to choose which day of the week and/or month they want to be sent, if they choose the weekly or monthly option when choosing the information sending period. The application (3) is configured to provide an information to the user if the user selects the notification option as the information channel. The application (3) is configured to transmit the information request and condition information created by the users to the server (5). The database (4) in the system (1) subject to the invention is in communication with the server (5) and is configured to be managed by the server (5). The database in question (4) is configured to record the information conditions and customer information entered by the bank customer. The database in question (4) is configured to record incoming and/or outgoing payment data in customers' bank accounts. The server (5) located in the system (1) subject to the invention communicates with the electronic device (2) using any communication protocol in the known state of the art and exchanges data with the application (3) carried out on the electronic device (2) through this communication. is structured to achieve this. In the preferred embodiment of the invention, the server (5) is configured to communicate with the electronic device (2) over a data network in the form of the Internet. The server (5) is configured to access the data in the database (4) and manage the data in the database (4). In the preferred embodiment of the invention, the server (5) is configured to run at least one artificial intelligence on it that automatically processes data, analyzes it and improves itself by learning. The server (5), through the communication established with the electronic device (2), is triggered by the information request created by the users on the application (3), to access the account data of the relevant bank customer through the database (4) and to analyze the data in question with artificial intelligence and to access the information that the user receives regularly. It is configured to detect whether there is a payment or not. If the server (5) in question detects that the payments received by the user are above a certain threshold value, it is configured to approve the information request submitted by the user and provide the necessary information. In the preferred embodiment of the invention, if the server (5) detects that the number of regular payments received by the user is 2 and/or more, it is configured to approve the information request submitted by the user and provide the necessary information. The server (5) is configured to identify the customer from whom the customer whose notification request has been approved receives regular payment and to obtain approval for the notification process from the sending customer in question. If the customer who makes the regular payment approves the notification process, the server (5) receives the information conditions entered by the customer who created the information request via the application (3) and creates an information message containing the sender name, surname, ID number and sending amount information entered by the user, in the period determined by the user. It is configured to transmit over the communication channel. Application of the invention to industry In the system subject to the invention (1), a bank customer who receives regular payments every month enters the personal information of the sender, the sender account information and the payment date to receive the payment through the application (3) via his electronic device (2) and the payment is made by receiving approval from the sender. The receiver and the sender are informed on the date and thereafter, within the period specified by the user on the application (3) and through the communication channel. Around these basic concepts, it is possible to develop a wide variety of applications related to the subject of the invention, "An Information System (1)", and the invention cannot be limited to the examples explained here, it is essentially as stated in the claims. TR TR

Claims

1.CLAIMS. Ensuring that bank customers who make or receive payments through their bank accounts at certain periods are automatically informed on the dates they want, through the communication channel they want; -at least one electronic device (2) configured to exchange data using any remote communication protocol and to run at least one application on it, -executed on the electronic device (2) to enable users who are at least bank customers to carry out banking transactions, create information requests, and At least one application (3) configured to enable users to enter the information conditions, -containing at least one database (4) configured to record the information conditions and customer information entered by the bank customer, and -electronic device (using any remote communication protocol) 2) and to exchange data with the application (3) running on the electronic device (2) through this communication, to manage the database (4), to access the account information of the relevant customer by being triggered when an information request is created through the application (3) and to access the customer's account information. To determine whether a regular payment is made from the customer's account and/or whether a regular payment is received from the customer's account by examining the payments coming into and/or leaving the account, and if it detects that the customer is making regular payments and/or receiving regular payments, the information conditions the customer receives through the application (3). A system (1) characterized by at least one server (5) configured to ensure the transmission of the informational message over the relevant communication channel. . A system (1) as in Claim 1, characterized by an electronic device (2) that is a device in the form of a smartphone, tablet computer, desktop computer or portable computer configured to run at least one application (3) on it. An electronic device (2) as in Claim 1 or 2, characterized by an electronic device (2) having speakers that provide sound output, at least one camera capable of taking images, and an input unit in the form of a button or a touch screen. A Server (5) as in any of the above claims, characterized by an electronic device (2) configured to establish a connection with the server (5) using any communication protocol and to enable data exchange between the application (3) and the server (5) through this connection. A system (1) as in Request 4, characterized by an electronic device (2) configured to exchange data using a data bus in the form of the Internet. . A system (1) as in any of the above claims, characterized by the application (3) carried out on the electronic device (2) and configured to enable at least bank customer users to carry out banking transactions. . A system as in any of the above claims, characterized by the application (3) configured to enable users to request notification for regular money transfer or receipt. Application configured to provide at least one interface adapted to enable bank customers who receive regular money into their accounts to enter the sender's name, surname, ID number, sending amount, sending period and sending channel information in the form of e-mail, text message or notification when creating an information request (3) A system as in any of the above claims, characterized by: Application configured to provide at least one interface adapted to enable bank customer users to choose which day of the week and/or month they want to be sent, in case they choose weekly or monthly when choosing the information sending period (3) A system as in any of the above claims, characterized by (1). In any of the above claims, characterized by the application (3) configured to provide an informer to the user if the user chooses the notification option as the information channel. A system like (1). A system (1) as in any of the above claims, characterized by a database (4) that is in communication with the server (5) and configured to be managed by the server (5). A database (4) configured to record incoming and/or outgoing payment data in customers' bank accounts, as in any of the above claims, characterized by a database (4) configured to record the information conditions and customer information entered by the bank customer. A system as in any of the above claims, characterized by a server (5) configured to communicate with the electronic device (2) using any communication protocol and to exchange data with the application (3) running on the electronic device (2) through this communication. A system characterized in any of the above claims (1). A system (1) as in Claim 15, characterized by a server (5) configured to communicate with the electronic device (2) over a data network in the form of the Internet. A system (1) as in any of the above claims, characterized by a server (5) configured to access the data in the database (4) and manage the data in the database (4). Users on the application (3) through communication established with an electronic device (2) as in any of the above claims, characterized by a server (5) configured to run at least one artificial intelligence on which it automatically processes data, analyzes it and improves itself by learning. A system as in any of the above claims, characterized by a server (5) configured to access the account data of the relevant bank customer through the database (4) by being triggered by the information request created and to analyze the data in question with artificial intelligence to determine whether the user receives regular payments or not. A system as in any of the above claims, characterized by the server (5) configured to approve the information request submitted by the user and provide the necessary information if it detects that the payments received by the user are above a certain threshold value. It detects that the number of regular payments received by the user is 2 and/or more. A system (1) as in Claim 20, characterized by a server (5) configured to approve the information request submitted by the user and provide the necessary information. A system (1) as in any of the above claims, characterized by a server (5) configured to identify the customer from whom the customer whose information request is approved receives regular payment and to obtain approval for the information process from the sending customer in question. If the customer who makes regular payments approves the notification process, to receive the information conditions entered by the customer who created the information request through the application (3) and to create an information message containing the sender name, surname, ID number, and shipping amount information entered by the user and to transmit it through the communication channel determined by the user in the period determined by the user. A system (1) as in any of the above claims, characterized by the server (5) configured as follows: TR TR