TR2023005286A2

TR2023005286A2 - A SYSTEM THAT ENABLES WITHDRAWAL OF HIGH AMOUNT OF MONEY FROM A BANK BRANCH

Info

Publication number: TR2023005286A2
Application number: TR2023/005286
Authority: TR
Inventors: Ceti̇nkaya Cukur Eyda
Original assignee: Türki̇ye Garanti̇ Bankasi Anoni̇m Şi̇rketi̇
Filing date: 2023-05-11
Publication date: 2023-09-21

Abstract

Bu buluş, kullanıcıların yüksek tutarlı para çekme işlemi için bir bankacılık uygulaması (3) üzerinden talep iletebilmesini, girilmiş miktarın hangi şubede olduğunun listelenmesini ve süre beklemeden işlemin tamamlamasını sağlayan bir sistem (1) ile ilgilidir.This invention relates to a system (1) that enables users to submit a request for a high amount of money withdrawal via a banking application (3), to list which branch the entered amount is in, and to complete the transaction without waiting for a period of time.

Description

TARIFNAME BIR BANKA SUBESINDEN YÜKSEK TUTARLI PARA ÇEKILMESINI SAGLAYAN BIR SISTEM Teknik Alan Bu bulus, kullanicilarin yüksek tutarli para çekme islemi için bir bankacilik uygulamasi üzerinden talep iletebilmesini, girilmis miktarin hangi subede oldugunun listelenmesini ve süre beklemeden islemin tamamlamasini saglayan bir sistem ile ilgilidir. Önceki Teknik Günümüzde, ATM,den para çekme limitleri yaklasik olarak 5000 TL ile sinirlandirilmistir. Yüksek oranda para çekmek için subeye basvurulmasi gerekmektedir. Bunun için subeye çekilecek tutar için önceden bilgi vermek ve subenin belirtilen miktari hazirlamasi gerekmektedir. Bu durum birkaç günlük süre gerektirebilmektedir. Bu sebeple mevcut teknikte bulunan çalismalar ve eksiklikler göz önünde bulunduruldugunda, kullanicilarin yüksek tutarli para çekme islemi için bir bankacilik uygulamasi üzerinden talep iletebilmesini, girilmis miktarin hangi subede oldugunun listelenmesini ve süre beklemeden islemin tamamlamasini saglayan bir sisteme ihtiyaç duyuldugu anlasilmaktadir. Teknigin bilinen durumunda yer alan CN109816894B sayili Çin patent dokümaninda, mobil bankacilik uygulamasi kullanilarak para çekilmesini saglayan bir yöntemden bahsedilmektedir. Söz konusu bulustaki yöntemde bir müsteriden para çekme talebi alinmakta, para çekme talebine yanit olarak, müsterinin para çekme tutari dogrulanmakta ve para çekme tutari onaylandiktan sonra müsteri tarafindan gönderilen konum bilgisi alinmaktadir. Parayi tasiyan ekipmanin, konum bilgisi ile belirtilen konuma ulasmasi kontrol edilmektedir. Kapidan kapiya para çekme islemi, banka çekme isi üzerindeki yüksek baski, düsük para çekme verimliligi ve kapidan kapiya verilememekten kaynaklanan kötü müsteri çekme deneyimi gibi teknik sorunlari çözebilmektedir. sayili Birlesik Devletler patent dokümaninda, finansal hizmetler dalinda kaynaklarin verimli bir sekilde tahsis edilmesini saglayan bir sistemden ve yöntemden bahsedilmektedir. Söz konusu bulusta finansal hizmetler kaynagi, bir sube içi bankacilik uygulamasi islemine bir vezne uygulamasi kullanilarak) veya bir uzak bankacilik uygulamasi islemine yanit olarak talep edilebilmektedir. Islemi baslatmak için bir uzak bankacilik üzerinden basvuru yapan müsteriyi, en azindan kismen talep edilen finansal hizmetler kaynagini kullanarak subede tamamlanacak islemi içermektedir. Uzak bankacilik uygulamasi, akilli telefon, tablet bilgisayar, dizüstü bilgisayar veya masaüstü bilgisayar gibi bir kullanici cihazinda bankacilik uygulamasi yürütülerek gerçeklestirilmektedir. Uzak bankacilik uygulamasi üzerinden bir talep iletilmekte ve uzak bankacilik uygulamasi bir uzak çözüm sunucusuyla etkilesime girmektedir. Buna karsilik, uzak çözüm sunucusunda yürütülen uygulama, bir müsteri hesabina fiilen erisen, gerekli islemleri gerçeklestiren ve islemleri kaydeden bir çekirdek finansal platformla etkilesime girmektedir. Temel finansal platforma, finansal hizmet islemlerini gerçeklestirmek için vezne is istasyonlari tarafindan da erisilebilmektedir. sayili Birlesik Devletler patent dokümaninda, ön ödemeli banka kartinin kullanicilara kurye vasitasiyla sevk edilmesini saglayan bir sistemden ve yöntemden bahsedilmektedir. Söz konusu bulusta bir tüccar tarafindan satilan veya yeniden yüklenen tüm kartlarin ön ödemeli degerine fiziksel olarak sahip olmak için tüccara periyodik olarak bir kurye (örnegin zirhli kamyon servisi) gönderilmektedir. Kurye daha sonra parayi kartla iliskili finansal kurumlar tarafindan saglanan güvenli bir yere tasimaktadir. Nakit miktarlari önemli olabileceginden, bunun tipik olarak günlük veya haftalik olarak yapilmasi gerekir. Açiklanan sistemde ve yöntemde, her üye isyerine belirli bir kredi limiti ile kredi verebilmektedir. Üye isyeri tarafindan toplanan ve sistem tarafindan takip edilen nakit, üye isyeri kredi limitinden sayilmaktadir. Tüccar ilgili kredi limitine yaklastiginda veya astiginda, parayi toplamak ve sistemin operatörü tarafindan kullanilan veya bakimi yapilan veya operatörle baska bir sekilde iliskili veya sözlesmeli olan güvenli bir yere nakletmek için bir kurye gönderilmektedir. Bulusun Kisa Açiklamasi Bu bulusun amaci, kullanicilarin yüksek tutarli para çekme islemi için bir bankacilik uygulamasi üzerinden talep iletebilmesini, girilmis miktarin hangi subede oldugunun listelenmesini ve süre beklemeden islemin tamamlamasini saglamak amaciyla gelistirilen bir sistem gerçeklestirmektir. Bulusun Ayrintili Açiklamasi Bu bulusun amacina ulasmak için gerçeklestirilen "Bir Banka Subesinden Yüksek Tutarli Para Çekilmesini Saglayan Bir Sistem" ekli sekilde gösterilmis olup, bu Sekil-l; Bulus konusu sistemin sematik görünüsüdür. Sekilde yer alan parçalar tek tek numaralandirilmis olup, bu numaralarin karsiliklari asagida verilmistir. 1. Sistem 2. Mobil Cihaz 3. Bankacilik Uygulamasi 4. Sunucu Kullanicilarin yüksek tutarli para çekme islemi için bir bankacilik uygulamasi üzerinden talep iletebilmesini, girilmis miktarin hangi subede oldugunun listelenmesini ve süre beklemeden islemin tamamlamasini saglamak amaciyla gelistirilen 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 mobil cihaz (2), - mobil cihaz (2) üzerinde yürütülen, en azindan bir ara yüz üzerinde banka islemlerinin gerçeklestirilmesini saglamak üzere yapilandirilan en az bir bankacilik uygulamasi (3), - herhangi bir uzak iletisim protokolünü kullanarak mobil cihaz (2) ile iletisim kurmak, bankacilik uygulamasi (3) ile veri alisverisi gerçeklestirmek, kullanicinin bankacilik uygulamasi (3) araciligiyla talep ettigi para miktarini kullanicinin konumu içerisindeki subelerde sorgulamak, yapay zekâ algoritmalari araciligiyla optimum süre zarfinda hangi konumlardan kurye ve subeden para çekme talepleri geldigini analiz etmek, yapilan analizler sonucunda en çok islem gerçeklestiren konumlari ve subeye uzakliklarini tespit etmek, tespit edilen sonuçlara göre ilgili konumlar için ATM ve sube açma önerisinde bulunmak ve bu önerileri sube müdürlüklerine iletmek, bankacilik uygulamasi (3) üzerinden çekilmek istenen para miktarina göre yapay zekâ algoritmalari araciligiyla ATM,den para çekme limitlerinin 5000 TL üzerine çikarilip çikarilmamasini analiz etmek ve bu analize göre subelere aktarilan para miktarinin güncellenmesini saglamak üzere yapilandirilan en az bir sunucu (4) içermektedir. Bulus konusu sistemde (1) yer alan mobil cihaz (2), herhangi bir uzak iletisim protokolünü kullanarak veri alisverisi gerçeklestirmek ve üzerinde en azindan bir uygulama yürütmek üzere yapilandirilmaktadir. Mobil cihaz (2), cep telefonu seklinde bir cihazdir. Mobil cihaz (2), teknigin bilinen durumunda yer alan herhangi bir uzak iletisim protokolünü kullanarak sunucu (4) ile baglanti kurmak ve kurulan bu baglanti üzerinden bankacilik uygulamasi (3) ile veri alisverisi gerçeklesmesini saglamak üzere yapilandirilmaktadir. Bulusun tercih edilen uygulamasinda mobil cihaz (2), sunucu (4) ile Internet seklinde bir veri yolu kullanarak veri alisverisi gerçeklestirmek üzere yapilandirilmaktadir. Bulus konusu sistemde (1) yer alan bankacilik uygulamasi (3), mobil cihaz (2) üzerinde yürütülmekte olup, en azindan bir ara yüz üzerinde kullanicilarin bankacilik islemlerini gerçeklestirmelerini saglamak üzere yapilandirilmaktadir. Bankacilik uygulamasi (3), en azindan bir ara yüz üzerinde kullanicilarin konum izni vermelerini saglamak üzere yapilandirilmaktadir. Söz konusu bulusta bankacilik uygulamasi (3), en azindan bir ara yüz üzerinde kullanicilarin para çekimi yapmak istenilen hesabi seçmelerini saglamak üzere yapilandirilmaktadir. Bankacilik uygulamasi (3), en azindan bir ara yüz üzerinde para çekimi yapilmak istenen hesap limiti "0, ise sunucu (4) araciligiyla iletilen islemin gerçeklestirilemeyecegine dair bir bildirim görüntülemek üzere yapilandirilmaktadir. Bankacilik uygulamasi (3), en azindan bir ara yüz üzerinde kullanicilarin çekmek istenilen para miktarini girmelerini saglamak üzere yapilandirilmaktadir. Bankacilik uygulamasi (3), en azindan bir ara yüz üzerinde kullanicilarin çekmek istedikleri para miktari hesap bakiyesinden fazla ise sunucu (4) araciligiyla iletilen islemin gerçeklestirilemeyecegine dair bir bildirim görüntülemek üzere yapilandirilmaktadir. Bankacilik uygulamasi (3), en azindan bir ara yüz üzerinde kullanicilarin çekmek istedikleri para miktari 5000 TL,nin altinda ise sunucu (4) araciligiyla iletilen ATM,den islem gerçeklestirmesi hakkinda bir bildirim görüntülemek üzere yapilandirilmaktadir. Bankacilik uygulamasi (3), en azindan bir ara yüz üzerinde kullanicilarin çekmek istedikleri para miktari araciligiyla iletilen kullanicinin bulundugu konum içerisindeki para çekimi yapabilecegi banka subeleri listesini görüntülemek üzere yapilandirilmaktadir. Bankacilik uygulamasi (3), en azindan bir ara yüz üzerinde kullanicilarin sunucu (4) araciligiyla iletilen bulunulan konum içerisinde para çekimi yapilabilecek banka subeleri listesi içerisinden bir subenin seçilmesini saglamak üzere yapilandirilmaktadir. Bankacilik uygulamasi (3), en azindan bir ara yüz üzerinde kullanicilarin sunucu (4) araciligiyla sunulan banka subelerinden birini seçmelerini saglamak üzere yapilandirilmaktadir. Bankacilik uygulamasi (3), en azindan bir ara yüz üzerinde sunucu (4) araciligiyla iletilen eger kullanicinin mevcut konumu banka, ATM veya subeye belli bir uzaklikta ise, belli bir ücret ile kullaniciya giris yaptigi tutari ulastirmak için kurye hizmeti verildigi bildirimini görüntülemek üzere yapilandirilmaktadir. Bankacilik uygulamasi (3), en azindan bir ara yüz üzerinde sunucu (4) araciligiyla iletilen çekilmek istenen paranin seçilen subeden kullaniciya ne zaman iletilecegi bildirimini görüntülemek üzere yapilandirilmaktadir. Bulus konusu sistemde (1) yer alan sunucu (4), teknigin bilinen durumunda yer alan herhangi bir iletisim protokolünü kullanarak mobil cihaz (2) ile iletisim kurmak ve kurulan bu iletisim üzerinden bankacilik uygulamasi (3) ile veri alisverisi gerçeklestirmek üzere yapilandirilmaktadir. Sunucu (4), mobil cihaz (2) ile Internet seklindeki bir veri sebekesi üzerinden iletisim kurmak üzere yapilandirilmaktadir. Sunucu (4), bankacilik uygulamasindaki (3) para çekimi yapilmak istenen hesap limitini kontrol etmek üzere yapilandirilmaktadir. Sunucu (4), bankacilik uygulamasindaki (3) para çekimi yapilmak istenen hesap limiti "0, ise isleme devam etmemek ve bankacilik uygulamasina (3) bildirim göndermek üzere yapilandirilmaktadir. Sunucu (4), bankacilik uygulamasi (3) üzerindeki ara yüz üzerine girilen kullanicilarin çekmek istedikleri para miktarini kontrol etmek üzere yapilandirilmaktadir. Sunucu (4), bankacilik uygulamasi (3) üzerindeki ara yüz üzerine girilen kullanicilarin çekmek istedikleri para miktari hesap bakiyesinden fazla ise isleme devam etmemek ve bankacilik uygulamasina (3) bildirim göndermek üzere yapilandirilmaktadir. Sunucu (4), bankacilik uygulamasi (3) üzerindeki ara yüz üzerine girilen kullanicilarin çekmek istedikleri para miktari 5000 TL,nin altinda ise kullaniciya ATM,den islem gerçeklestirmesi hakkinda bildirim göndermek üzere yapilandirilmaktadir. Sunucu (4), bankacilik uygulamasi (3) üzerindeki ara yüz üzerine girilen kullanicilarin çekmek istedikleri para miktari üzerine kullanicinin bulundugu konum içerisindeki para çekimi yapabilecegi banka subelerini listelemek üzere yapilandirilmaktadir. Sunucu (4), bankacilik uygulamasi (3) üzerinde para çekimi yapmak istenilen sube seçimini tespit etmek ve bankacilik uygulamasi (3) üzerine girilen miktari kullanici için belli bir süre ayirmak üzere yapilandirilmaktadir. Sunucu (4), bankacilik uygulamasi (3) üzerindeki ara yüz üzerine girilen kullanicilarin çekmek istedikleri para miktari 5000 TL,nin üzerinde ise ve kullanicinin bulundugu konum içerisinde belirtilen tutar yok ise bankacilik uygulamasi (3) üzerinde tüm subeleri listelemek üzere yapilandirilmaktadir. Sunucu (4), bankacilik uygulamasi (3) üzerindeki ara yüz üzerine girilen kullanicilarin çekmek istedikleri para miktarini bankacilik uygulamasi (3) üzerinde seçilen subeye iletmek üzere yapilandirilmaktadir. Sunucu (4), çekilmek istenen paranin bankacilik uygulamasi (3) üzerinde seçilen subeden kullaniciya ne zaman iletilecegi bildirimini göndermek üzere yapilandirilmaktadir. Sunucu (4), eger kullanicinin mevcut konumu banka, ATM veya subeye belli bir uzaklikta ise, belli bir ücret ile kullaniciya bankacilik uygulamasi (3) üzerine giris yaptigi tutari ulastirmak için güvenlik kontrolünden geçen ve kimlik kontrolü yapilan bir banka çalisani araciligiyla kurye hizmeti verildigini bildirmek üzere yapilandirilmaktadir. Sunucu (4), yapay zekâ algoritmalari araciligiyla optimum süre zarfinda hangi konumlardan kurye ve subeden para çekme talepleri geldigini analiz etmek, yapilan analizler sonucunda en çok islem gerçeklestiren konumlari ve subeye uzakliklarini tespit etmek, tespit edilen sonuçlara göre ilgili konumlar için ATM ve sube açma önerisinde bulunmak ve bu önerileri sube müdürlüklerine iletmek üzere yapilandirilmaktadir. Sunucu (4), bankacilik uygulamasi (3) üzerinden çekilmek istenen para miktarina göre yapay zekâ algoritmalari araciligiyla ATM,den para çekme limitlerinin 5000 TL üzerine çikarilip çikarilmamasini analiz etmek ve bu analize göre subelere aktarilan para miktarinin güncellenmesini saglamak üzere yapilandirilmaktadir. Bulusun sanayiye uygulanmasi Bulus konusu sistemde sunucu (4), bankacilik uygulamasi (3) üzerindeki ara yüz üzerine girilen kullanicilarin çekmek istedikleri para miktari 5000 TL,nin altinda ise kullaniciya ATM,den islem gerçeklestirmesi hakkinda bildirim göndermekte, bankacilik uygulamasi (3) üzerindeki ara yüz üzerine girilen kullanicilarin çekmek istedikleri para miktari üzerine kullanicinin bulundugu konum içerisindeki para çekimi yapabilecegi banka subelerini listelemektedir. Sunucu (4), bankacilik uygulamasi (3) üzerinde para çekimi yapmak istenilen sube seçimini tespit etmek ve bankacilik uygulamasi (3) üzerine girilen miktari kullanici için belli bir süre ayirmaktadir. Sunucu (4), bankacilik uygulamasi (3) üzerindeki ara yüz üzerine girilen kullanicilarin çekmek istedikleri para miktari 5000 TL,nin üzerinde ise ve kullanicinin bulundugu konum içerisinde belirtilen tutar yok ise bankacilik uygulamasi (3) üzerinde tüm subeleri listelemekte ve bankacilik uygulamasi (3) üzerindeki ara yüz üzerine girilen kullanicilarin çekmek istedikleri para miktarini bankacilik uygulamasi (3) üzerinde seçilen subeye iletmektedir. Sunucu (4), çekilmek istenen paranin bankacilik uygulamasi (3) üzerinde seçilen subeden kullaniciya ne zaman iletilecegi bildirimini iletmektedir. Sunucu (4), eger kullanicinin mevcut konumu banka, ATM veya subeye belli bir uzaklikta ise, belli bir ücret ile kullaniciya bankacilik uygulamasi (3) üzerine giris yaptigi tutari ulastirmak için güvenlik kontrolünden geçen ve kimlik kontrolü yapilan bir banka çalisani araciligiyla kurye hizmeti verildigini bildirmektedir. Sunucu (4), yapay zekâ algoritmalari araciligiyla optimum süre zarfinda hangi konumlardan kurye ve subeden para çekme talepleri geldigini analiz etmek, yapilan analizler sonucunda en çok islem gerçeklestiren konumlari ve subeye uzakliklarini tespit etmek, tespit edilen sonuçlara göre ilgili konumlar için ATM ve sube açma önerisinde bulunmak ve bu önerileri sube müdürlüklerine iletmekte ve bankacilik uygulamasi (3) üzerinden çekilmek istenen para miktarina göre yapay zekâ algoritmalari araciligiyla ATM,den para çekme limitlerinin 5000 TL üzerine çikarilip çikarilmamasini analiz etmek ve bu analize göre subelere aktarilan para miktarinin güncellenmesini saglamaktadir. Böylece kullanicilarin çekmek istedikleri yüksek tutarli para miktarlarinin süre beklemeden kullaniciya iletilmesi saglanmaktadir. Bu temel kavramlar etrafinda, bulus konusu "Bir Banka Subesinden Yüksek Tutarli Para Çekilmesini Saglayan Bir Sistem (1)" ile ilgili çok çesitli uygulamalarin gelistirilmesi mümkün olup, bulus burada açiklanan örneklerle sinirlandirilamaz, esas olarak istemlerde belirtildigi gibidir. TR TR TR DESCRIPTION A SYSTEM THAT ENABLES WITHDRAWAL OF HIGH AMOUNT OF MONEY FROM A BANK BRANCH Technical Field This invention is related to a system that allows users to submit a request through a banking application for a high amount of money withdrawal, list the branch in which the entered amount is, and complete the transaction without waiting for a period of time. Prior Art Today, ATM withdrawal limits are limited to approximately 5000 TL. To withdraw a large amount of money, you must apply to the branch. To do this, you must inform the branch in advance about the amount to be withdrawn and the branch must prepare the specified amount. This may require a few days. 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 users to submit a request through a banking application for a high amount of money withdrawal, list the branch in which the entered amount is, and complete the transaction without waiting for a period of time. In the Chinese patent document numbered CN109816894B, which is in the state of the art, a method that allows money to be withdrawn using a mobile banking application is mentioned. In the method of the invention in question, a withdrawal request is received from a customer, in response to the withdrawal request, the customer's withdrawal amount is verified and after the withdrawal amount is confirmed, the location information sent by the customer is received. The equipment carrying the money is checked to reach the specified location with location information. Door-to-door withdrawal process can solve technical problems such as high pressure on bank withdrawal business, low withdrawal efficiency and poor customer withdrawal experience due to lack of door-to-door delivery. In the United States patent document no., a system and method that enables the efficient allocation of resources in the field of financial services is mentioned. In the invention in question, the financial services resource can be requested in response to an in-branch banking application transaction (using a teller application) or in response to a remote banking application transaction. It involves the customer applying through a remote banking facility to initiate the transaction, and the transaction to be completed at the branch, at least partially, using the requested financial services resource. Remote banking application is carried out by executing the banking application on a user device such as a smartphone, tablet computer, laptop or desktop computer. A request is transmitted through the remote banking application and the remote banking application interacts with a remote solution server. In turn, the application running on the remote solution server interacts with a core financial platform that actually accesses a customer account, performs the necessary transactions, and records the transactions. The core financial platform can also be accessed by teller workstations to process financial services transactions. In the United States patent document No. 1, a system and method that enables prepaid debit cards to be shipped to users via courier is mentioned. In the invention in question, a courier (e.g., armored truck service) is periodically sent to a merchant to physically possess the prepaid value of all cards sold or reloaded by a merchant. The courier then transports the money to a secure location provided by the financial institutions associated with the card. This typically needs to be done on a daily or weekly basis, as cash amounts can be significant. In the explained system and method, each member can provide loans to the workplace with a certain credit limit. Cash collected by the member merchant and tracked by the system is counted in the member merchant's credit limit. When the trader approaches or exceeds the relevant credit limit, a courier is dispatched to collect the funds and transport them to a secure location used or maintained by the operator of the system, or otherwise associated or contracted with the operator. Brief Description of the Invention The purpose of this invention is to realize a system developed to enable users to submit a request via a banking application for a high amount of money withdrawal, to list the branch in which the entered amount is, and to complete the transaction without waiting for a period of time. Detailed Description of the Invention "A System that Enables the Withdrawal of High Amounts of Money from a Bank Branch", which was realized to achieve the purpose of this invention, is shown in the figure, and this Figure-l; 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. Mobile Device 3. Banking Application 4. Server The system (1) that is the subject of the invention was developed to enable users to submit a request via a banking application for a high amount of money withdrawal, to list the branch in which the entered amount is, and to complete the transaction without waiting for a period of time; - at least one mobile device (2) configured to exchange data using any remote communication protocol and to run at least one application on it, - at least one mobile device (2) configured to enable bank transactions to be carried out on at least one interface, carried out on the mobile device (2). at least one banking application (3), - to communicate with the mobile device (2) using any remote communication protocol, to exchange data with the banking application (3), to inquire the amount of money requested by the user through the banking application (3) at the branches within the user's location To analyze which locations receive courier and branch withdrawal requests within the optimum period of time through artificial intelligence algorithms, to determine the locations that carry out the most transactions and their distance to the branch as a result of the analysis, to recommend opening ATMs and branches for the relevant locations according to the determined results and to make these recommendations. At least one server (4) configured to transmit the information to the branch offices, to analyze whether the ATM withdrawal limits should be increased above 5000 TL through artificial intelligence algorithms according to the amount of money desired to be withdrawn through the banking application (3), and to update the amount of money transferred to the branches according to this analysis. ) contains. The mobile device (2) included in the system (1) subject to the invention is configured to exchange data using any remote communication protocol and to run at least one application on it. Mobile device (2) is a device shaped like a mobile phone. The mobile device (2) is configured to establish a connection with the server (4) using any remote communication protocol available in the state of the art and to enable data exchange with the banking application (3) through this connection. In the preferred embodiment of the invention, the mobile device (2) is configured to exchange data with the server (4) using a data path in the form of the Internet. The banking application (3) included in the system (1) subject to the invention is carried out on the mobile device (2) and is configured to enable users to perform banking transactions on at least one interface. The banking application (3) is configured to enable users to provide location permission on at least one interface. In the invention in question, the banking application (3) is configured to enable users to select the account from which they want to withdraw money, on at least one interface. The banking application (3) is configured to display a notification on at least one interface that the transaction transmitted through the server (4) cannot be performed if the account limit to be withdrawn is 0. The banking application (3) is configured to display a notification on at least one interface to the users. The banking application (3) is configured to enable users to enter the amount of money they want to withdraw, at least on one interface, to display a notification that the transaction transmitted through the server (4) cannot be performed. The banking application (3) is configured to display, on at least one interface, a notification about the users performing transactions from the ATM, which is transmitted through the server (4) if the amount of money they want to withdraw is below 5000 TL. It is configured to display the list of bank branches from which the user can withdraw money in their location, provided with the amount of money they want. The banking application (3) is configured on at least one interface to enable users to select a branch from the list of bank branches from which money can be withdrawn in the current location, transmitted through the server (4). The banking application (3) is configured to enable users to choose one of the bank branches offered through the server (4) on at least one interface. The banking application (3) is configured to display the notification, transmitted through the server (4) on at least one interface, that if the user's current location is at a certain distance from the bank, ATM or branch, a courier service is provided to deliver the amount entered to the user for a certain fee. The banking application (3) is configured to display the notification of when the money to be withdrawn will be transmitted to the user from the selected branch, transmitted via the server (4) on at least one interface. The server (4) in the system (1) subject to the invention is configured to communicate with the mobile device (2) using any communication protocol available in the state of the art and to exchange data with the banking application (3) through this communication. The server (4) is configured to communicate with the mobile device (2) over a data network in the form of the Internet. The server (4) is configured to check the account limit from which money withdrawal is requested in the banking application (3). The server (4) is configured to discontinue the transaction and send a notification to the banking application (3) if the account limit in the banking application (3) from which the money withdrawal is requested is 0. It is configured to control the amount of money they want to withdraw. The server (4) is configured to not continue the transaction and send a notification to the banking application (3) if the amount of money that the users want to withdraw on the interface on the banking application (3) is more than the account balance. ), the server (4) is configured to send a notification to the user about making a transaction from the ATM if the amount of money that the users want to withdraw is below 5000 TL, which is entered on the interface on the banking application (3). It is configured to list the bank branches where the user can withdraw money based on the amount of money they want to withdraw. The server (4) is configured to determine the branch selection from which the money withdrawal is desired on the banking application (3) and to allocate a certain period of time for the user to receive the amount entered on the banking application (3). The server (4) is configured to list all branches on the banking application (3) if the amount of money that the users want to withdraw is over 5000 TL when entered on the interface on the banking application (3) and the specified amount is not available in the user's location. The server (4) is configured to transmit the amount of money that users want to withdraw, entered on the interface on the banking application (3), to the branch selected on the banking application (3). The server (4) is configured to send notification to the user when the money requested to be withdrawn will be transmitted to the user from the branch selected on the banking application (3). The server (4) informs the user that if the user's current location is at a certain distance from the bank, ATM or branch, a courier service is provided to the user for a certain fee, through a bank employee who has passed security checks and whose identity has been checked, to deliver the amount entered on the banking application (3). It is structured as follows. The server (4) analyzes which locations receive courier and branch withdrawal requests within the optimum period of time through artificial intelligence algorithms, determines the locations with the most transactions and their distance to the branch as a result of the analysis, and recommends opening ATMs and branches for the relevant locations according to the detected results. It is structured to make recommendations and forward these suggestions to branch offices. The server (4) is configured to analyze, through artificial intelligence algorithms, whether the ATM withdrawal limits should be increased above 5000 TL, according to the amount of money desired to be withdrawn through the banking application (3), and to update the amount of money transferred to the branches according to this analysis. Application of the invention to industry In the system subject to the invention, the server (4) sends a notification to the user about making a transaction from the ATM if the amount of money that the users want to withdraw is below 5000 TL, which is entered on the interface on the banking application (3). It lists the bank branches where the user can withdraw money based on the amount of money entered by the user. The server (4) allocates a certain amount of time for the user to determine the branch selection from which the money withdrawal is desired on the banking application (3) and the amount entered on the banking application (3). If the amount of money that the users want to withdraw is over 5000 TL when entered on the interface on the banking application (3) and the specified amount is not available in the user's location, the server (4) lists all branches on the banking application (3) and the banking application (3) It transmits the amount of money that users want to withdraw, entered on the interface, to the branch selected on the banking application (3). The server (4) notifies the user when the money to be withdrawn will be delivered to the user from the branch selected on the banking application (3). The server (4) notifies that if the user's current location is at a certain distance from the bank, ATM or branch, a courier service is provided to the user for a certain fee, through a bank employee who has passed security checks and whose identity has been checked, to deliver the amount entered on the banking application (3). . The server (4) analyzes which locations receive courier and branch withdrawal requests within the optimum period of time through artificial intelligence algorithms, determines the locations with the most transactions and their distance to the branch as a result of the analysis, and recommends opening ATMs and branches for the relevant locations according to the detected results. It submits these suggestions to the branch offices and analyzes whether the ATM withdrawal limits should be increased above 5000 TL through artificial intelligence algorithms, according to the amount of money desired to be withdrawn through the banking application (3), and updates the amount of money transferred to the branches according to this analysis. In this way, the large amounts of money that users want to withdraw are delivered to the user without waiting. Around these basic concepts, it is possible to develop a wide variety of applications related to the subject of the invention, "A System that Enables the Withdrawal of High Amounts of Money from a Bank Branch (1)", and the invention cannot be limited to the examples explained here, it is essentially as stated in the claims.TR TR TR

Claims

1.SYSTEMS Developed to enable users to submit a request via a banking application for a high amount of money withdrawal, to list the branch in which the entered amount is, and to complete the transaction without waiting for a period of time; - at least one mobile device (2) configured to exchange data using any remote communication protocol and to run at least one application on it, - at least one mobile device (2) configured to enable bank transactions to be carried out on at least one interface, carried out on the mobile device (2). containing at least one banking application (3) - communicating with the mobile device (2) using any remote communication protocol, exchanging data with the banking application (3), querying the amount of money requested by the user through the banking application (3) at the branches within the user's location. To analyze which locations receive courier and branch withdrawal requests within the optimum period of time through artificial intelligence algorithms, to determine the locations that carry out the most transactions and their distance to the branch as a result of the analysis, to recommend opening ATMs and branches for the relevant locations according to the determined results and to make these recommendations. At least one server (4) configured to transmit the information to the branch offices, to analyze whether the ATM withdrawal limits should be increased above 5000 TL through artificial intelligence algorithms according to the amount of money desired to be withdrawn through the banking application (3), and to update the amount of money transferred to the branches according to this analysis. ) a system characterized by (1). A device as in claim 1, characterized by a mobile device (2) configured to exchange data using any remote communication protocol and to run at least one application on it. Request 1 or 2, characterized by a mobile device (2), which is a device in the form of a mobile phone, configured to establish a connection with the server (4) using any remote communication protocol and to enable data exchange with the banking application (3) through this connection, A system as in (1). . A system (1) as in Request 3, characterized by a mobile device (2) configured to exchange data with the server (4) using a data bus in the form of the Internet. . A system (1) as in any of the above claims, which is carried out on the mobile device (2) and is characterized by the banking application (3) configured to enable users to perform banking transactions on at least one interface. . A system (1) as in any of the above claims, characterized by a banking application (3) configured to enable users to give location permission on at least one interface. . Any of the above claims, characterized by a banking application (3) configured to enable users to select the account from which they want to withdraw money, on at least one interface. A banking application as in any of the above claims, characterized by (3) which is configured to display a notification on at least one interface regarding the account limit from which money is to be withdrawn. A banking application which is configured to enable users to enter the amount of money they wish to withdraw on at least one interface ( 10, as in any of the above claims, characterized by 3). A banking application (3) configured to display, on at least one interface, a notification that the transaction transmitted through the server (4) cannot be carried out if the amount of money that the users want to withdraw is more than the account balance. a system (1) as in any of the above claims. 11. A system (1) as in any of the above claims, characterized by a banking application (3) configured to display, on at least one interface, a notification about users performing transactions from the ATM, transmitted through the amount of money they want to withdraw. 12. Any of the above claims, characterized by the banking application (3) configured to display the list of bank branches from which the user can withdraw the money they want to withdraw, on at least one interface. 13. A system (1) as in any of the above claims, characterized by a banking application (3) configured to enable the selection of a branch from among the list of bank branches from which money can be withdrawn in the current location. 14. A system (1) as in any of the above claims, characterized by a banking application (3) configured to enable users to choose one of the bank branches offered through the server (4) on at least one interface. 15. Banking application configured to display the notification that a courier service is provided to deliver the amount entered to the user for a certain fee, if the user's current location is at a certain distance from the bank, ATM or branch, transmitted through the server (4) on at least one interface (3) 16. Any of the above claims, characterized by 16. Any one of the above claims, characterized by the banking application (3) configured to display the notification of when the money to be withdrawn will be transmitted to the user from the selected branch, transmitted through the server (4) on at least one interface. 17. Any A system (1) as in any of the above claims, characterized by a server (4) configured to communicate with the mobile device (2) using a communication protocol and to exchange data with the banking application (3) through this communication. 18. Claim characterized by the server (4) configured to communicate with the mobile device (2) over a data network in the form of the Internet. The above mentioned application, characterized by the server (4) configured to control the account limit from which the money withdrawal is to be made in the banking application (3). A system as in any of the claims (1). A system (1) as in any of the above claims, characterized by the server (4) configured to send the account limit from which the money withdrawal is desired in the banking application (3). A system (1) as in any of the above claims, characterized by a server (4) configured to control the amount of money that users want to withdraw when entered on the interface on the banking application (3). A system (1) as in any of the above claims, characterized by the server (4) configured to not continue the transaction and send a notification to the banking application (3) if the amount of money that the users want to withdraw entered on the interface on the banking application (3) is more than the account balance. A system (1) as in any of the above claims, characterized by the server (4) configured to send notifications to the user about performing a transaction from the ATM if the amount of money that the users want to withdraw is below 5000 TL entered on the interface on the banking application (3). If the amount of money that users want to withdraw on the interface on the banking application (3) is over 5000 TL, then the amount of money that the users want to withdraw is over 5000 TL, as in any of the above claims, characterized by the server (4) configured to list the bank branches from which the user can withdraw money in his/her location on the banking application (3). A system like (1). On a banking application (3) as in any of the above claims, characterized by the server (4) configured to determine the branch selection from which the money withdrawal is desired and to allocate the amount entered on the banking application (3) for a certain period of time for the user. If the amount of money entered on the interface that the users want to withdraw is over 5000 TL and the specified amount is not available in the user's location, a banking application as in any of the above claims, characterized by the server (4) configured to list all branches on the banking application (3) A system (1) as in any of the above claims, characterized by a server (4) configured to transmit the amount of money that users want to withdraw, entered on the interface on (3), to the branch selected on the banking application (3). A system (1) as in any of the above claims, characterized by a server (4) configured to send notification to the user when the money requested to be withdrawn will be transmitted to the user from the branch selected on the banking application (3). If the user's current location is at a certain distance from the bank, ATM or branch, the server (4) configured to notify the user that a courier service10 is provided through a bank employee who has passed security checks and whose identity has been checked, to deliver the amount entered into the banking application (3) for a certain fee. A system (1) as in any of the above claims, characterized by ). 30. To analyze which locations receive courier and branch withdrawal requests within the optimum period of time through artificial intelligence algorithms, to determine the locations that carry out the most transactions and their distance to the branch as a result of the analysis, to recommend opening ATMs and branches for the relevant locations according to the determined results, and to do this 31. A system as in any of the above claims, characterized by a server (4) configured to transmit the suggestions to the branch offices. 31. To analyze whether the ATM withdrawal limits should be increased above 5000 TL, through artificial intelligence algorithms, according to the amount of money desired to be withdrawn through the banking application (3), and A system (1) as in any of the above claims, characterized by the server (4) configured to update the amount of money transferred to the branches according to this analysis. TR TR TR