WO2010021605A1

WO2010021605A1 - Method for check-bond status inquery

Info

Publication number: WO2010021605A1
Application number: PCT/TR2009/000104
Authority: WO
Inventors: Erkan Golgeli; Murat Deniz
Original assignee: Erkan Golgeli; Murat Deniz
Priority date: 2008-08-20
Filing date: 2009-08-20
Publication date: 2010-02-25
Also published as: TR200806237A2

Abstract

The invention particularly relates to a method for inquiry capable to eliminate the unnecessary work force loss/time loss in inquiry of negotiable papers such as checks, bonds etc., and providing receipt of more accurate and clear information in a shorter time period by means of providing inquiry through SMS/MMS and/or internet (3) without need to go to banks.

Description

METHOD FOR CHECK-BOND STATUS INQUERY

The Related Art

The invention relates to a method for receiving information about status of negotiable papers such as checks, bonds etc. used in trading.

The invention particularly relates to a method for inquiry capable to eliminate the unnecessary work force loss in inquiry of negotiable papers such as checks, bonds etc., and to enable the persons to inquire the said documents through SMS/MMS and/or internet.

Background of the Related Art

Today it is clear that the society has become a society not using cash anymore. People use instruments such as credit cards, money cards and checks/bonds etc. instead of cash in any trading activities. The desire of not carrying cash for several reasons during last 20 years has made the society a "cashless society. Use of check-bonds which is one of the above mentioned payment instruments other than cash have been increasingly continuing because of its advantages despite non-trusting caused as a result of negative events. The most important difficulty for the user in respect, to use of checks-bonds in trading is the fact that the necessity of inquiry of the status of the said check-bond causes time loss. for the person and that the person is not able to access the inquiry at all times. Enquiry of negotiable papers such as checks-bonds is conducted by means of visiting bank during working times. Going to bank after stopping works, time loss wasted in banks due to busy traffic and failure to receive the needed information due to problems encountered in the system are all the reasons which have led the companies engaged in trade, activities to apply different payment means. The said enquiry causes unnecessary workforce/time loss while high telephone costs are encountered by those wishing to receive information on phone or the personnel in the banks. When a person goes to a bank for check-bond inquiry, one bank personnel specifically does his/her work and bank personnel also suffers from time loss due to long time taking process of information receiving. The banking personnel calls personnel of another bank to get information about the status of the check and thus two bank employees have to spare time for one enquiry at the same time and to spend their working time for this operation. When it is considered that several people go to bank for inquiry operation, the huge amount of the time required to be spent for this operation by bank employees can be understood.

Problems are experienced in check-bond inquiry due to lack of information by and between organizations in existing embodiments and as a direct result thereof, people are to fight against problems such as dishonoured check. The fact that big amount of working times are spent because of dealing with such problems by people engaged in trade activities must be considered. In existing embodiments, in case of dishonoured checks, the concerned bank reports the dishonoured check and information about the account holder to Turkish Central Bank . The people exercising their rights to recover or those registered in check black list are notified to the banks by Turkish Central Bank. The people (account holders)in the status of banned from issuing checks or their attorneys and representatives are not issued check book by the banks for one year starting from 15th day following notice of Turkish Central Bank, and accounts operating on checks are not established in their names. It is clear that an inquiry method which records the said processes and the latest status information in a database and provides performance of inquiry by different communication means, preferably SMS and/or internet is needed.

When all the related art documents and existing embodiments are examined, no patent application relating to a method for inquiry of check-bond status information wherein people can perform the inquiry operation by SMS or internet without need to go to bank for negotiable papers such as check-bond inquiry has been seen.

As a result, the need for a method for check-bond inquiry eliminating unnecessary workforce and time loss and inadequacy of existing solutions in the related art have necessitated development in the related art.

Brief Description of the Invention

The present invention relates to a method for check-bond status information inquiry meeting the needs mentioned above, eliminating all disadvantages and providing some additional advantages.

The purpose of the invention is to capable people to inquire directly through internet and/or SMS. More clearly, when examined, the purpose of the invention is to disclose a method for inquiry of check-bond status information wherein people can perform the inquiry operation by SMS or internet without need to go to bank for negotiable papers such as check-bond inquiry.

The purpose of the invention is to provide completion of inquiry in a much shorter time by entering the predefined information (identity no, bank check no... etc.) into the system by the user.

The purpose of the invention is to eliminate unnecessary workforce and time loss and thus prevent keeping both check holder and bank personnel.

The purpose of the invention is to provide eliminate the crowding in bank caused by people going to bank for inquiry of check-bond and similar negotiable papers.

The purpose of the invention is to eliminate the time restrictions occurring during working times as the inquiry can also be made out of working times.

The purpose of the invention is to provide extra income source for banks.

The purpose of the invention is to provide performance of inquiry where the bank does not have branch.

The purpose of the invention is to prevent time loss of bank personnel as well as provide reduction in costs for telephone calls between the branches of the bank in connection with the operation, and not causing any extra cost to the bank.

The purpose of the invention is to provide prevention of operation of false information transmission in regard to status of checks.

In order to achieve the above mentioned purposes, the invention is a method for inquiry of check-bond status providing inquiry of negotiable papers such as checks, bonds etc by short messaging through contracted GSM operator and/or telecommunication companies offering short messaging service through fixed telephone lines without need for going to bank and it consists of process steps of transmission of a message prepared through at least one mobile telephone and containing inquiry details to central bank's database and/or BDDK database wherein the check-bond status information are stored, and/or a special inquiry database where the current details are stored simultaneously, determination of the status information of the check-bond requested to be inquired by examining the said databases and transmission of the status information to the inquiring person through messaging services of the contracted GSM operators.

In order to achieve the above mentioned purposes, as a different embodiment, the invention is a method for inquiry of check-bond status providing inquiry of negotiable papers such as checks, bonds etc through internet by means of an inquiry interface located on a communication device connected to internet without need for going to bank and it consists of process steps of transmission of the inquired details to central bank database and/or BDDK database wherein the check-bond status information are stored, and/or a special inquiry database where the current details are stored simultaneously through at least one inquiry interface located on the communication device connected to internet, determination of the status information of the check-bond requested to be inquired by examining the said databases and transmission of the status information to the inquiring person through internet.

In order to achieve all advantages mentioned above and to be understood better with the detailed description given below, the present invention provides several advantages together with the said characteristics.

The structural and characteristics features of the invention and all advantages will be understood better in detailed descriptions with the figures given below and with reference to the figures, and therefore, the assessment should be made taking into account the said figures and detailed explanations.

Brief Description of Figures

For better understanding of the embodiment and additional components together with its advantages, it should be considered together with the figures described below.

Figure 1 is a schematic view of the status information inquiry through SMS in. a preferred embodiment of the method being subject of the invention.

Figure 2 is a schematic view of the status information inquiry through internet in a preferred embodiment of the method being subject of the invention. Reference Numbers and Abbreviations

1. Mobile telephone

2. communication device

3. internet protocol 4. GSM operator

5. Central bank database

6. BDDK database

7. Inquiry database

8. Bank database 9. Fixed telephone

BDDK (Banking Regulation and Supervision Agency) SMS (Short Message Service) MMS (Multi-media Message Service) GSM (Global system for Mobile Communication) IP (Internet Protocol)

PDA (Personal Digital Assistance) CLIP (Calling Line Identity Presentation) Detailed Description of the Invention

In this detailed description, the preferred embodiments of the method for check-bond status inquiry eliminating all disadvantages and providing some additional advantages have been disclosed only as example for the purpose of better understanding of the subject and described in a manner not causing any restrictive effect. The term check has been used in a general meaning in reference to check, bond and instrument of trade value under the description below.

Figure 1 is a schematic view of the status information inquiry through SMS/MMS in a preferred embodiment of the method being subject of the invention. Today all banks engaged in activities have their databases containing any and al trade value information. The banks update their existing databases (8) at certain time periods. The details about the said instruments of trade value of their clients of the related banks such as checks-bonds are also stored in the said bank databases (8). The banks send the details stored in their databases (8) to database (5) of central bank at certain time intervals and having the same details in both databases (5, 6) is ensured by the simultaneous inquiries made between the said database (5) of central bank and BDDK database (6). When the inquiry of a check owned by any person and/or company or delivered to any other person or company representative for any trade relation or any other reason is made by means of sending preferably the check serial number and/or bank number and/or identity number of the check issuer and/or first name/surname of the check issuer and/or the company title by SMS/MMS method through any one or more than one GSM operator (4) engaged in activities in Turkey and/or any part of the world and/or by short messaging services of telecommunication companies offering short messaging services to their subscribers over fixed telephone lines (9) and information about the check issuer and/or information about the check status is inquired, the current details of the check and check issuer are provided to the inquiring^, person. For the inquiry to be made by SMS method, the details (inquiry criteria) required for conduct of the inquiry can be determined in different ways. For instance, the details such as serial number of the check and/or bank number and/or branch number and/or account number and/or identity number of the check issuer and/or first name/surname of the check issuer and/or company title are sent by SMS/MMS and the inquiry can be conducted. At the end of the inquiry the information if the check is lost, if the notice of lost is issued, if the check is fake, if the check issuer has the record of dishonoured checks and/or other information such as problem individual credits in name of the check issuer, legal or administrative proceedings, problem borrowing are sent to the inquiring person. The operation of inquiry can be made directly from the central bank and/or BDDK database (5, 6) as well as a special inquiry database (7) where current information stored in the said both databases (5,6) are stored simultaneously.

In order to be able to send short message from a fixed telephone line (9), the line should be connected to a digital operator with feature of calling line identity presentation and the CLIP feature of the line should be activated.

Figure 2 is a schematic view of the status information inquiry through internet protocol (3) in a preferred embodiment of the method being subject of the invention. The user should enter the specified inquiry criteria by an inquiry , interface located on a communication device (2) connected to internet (3) to make the inquiry. For inquiry over internet (3) an inquiry page to be provided on web pages of the banks and/or a different interface uniquely designed for inquiry operation can be used. When performing inquiry on internet (3), the information if the check is lost, if the notice of lost is issued, if the check is fake, if the check issuer has the record of dishonoured checks and/or other information such as problem individual credits in name of the check issuer, legal or administrative proceedings, problem borrowing are sent to the inquiring person through internet (3) from the central bank and/or BDDK database (5, 6) or special inquiry database (7) containing current data. By using both methods, the necessity to spare time for inquiry operation by the bank employees is eliminated and costs for telephone calls between the branches are reduced. The said methods also prevent faulty data transmission operations.

Alternatively different inquiry criteria can be used in the inquiry method of the invention and Telecom infrastructure can be used for inquiry operations.

In a different alternative, the a computer, PDA which can be connected to internet, mobile telephone with internet access feature and similar devices can also be used as communication device (2) for performance of inquiry through internet protocol.

The scope of protection of this application has been specified under claims and cannot be limited to the descriptions only given as sampling above. It is clear that any innovation can be provided by a person skilled in the related art by use of the similar embodiments and/or can also apply this embodiment in other areas for similar purposes used in the related art. Therefore, such embodiments will be lack of innovation criteria and particularly exceeding the related art.

Claims

1. The invention is a method for inquiry of check-bond status providing inquiry of negotiable papers such as checks, bonds etc by short messaging through contracted GSM operator (4) and/or telecommunication companies offering short messaging service through fixed telephone lines (9) without need for going to the related bank branch and it consists of process steps of

transmission of a prepared message containing inquiry details to central bank database (5) and/or BDDK database (6) wherein the check-bond status information are stored, and/or a special inquiry database _. (7) where the current details are stored simultaneously through at least one mobile telephone (1) and/or fixed telephone line (9) by means of contracted GSM operators (4) and/or messaging services of telecommunication companies offering short messaging through fixed telephone lines (9), - determination of the status information of the check-bond requested to be inquired by examining the said databases (5, 6, 7), transmission of the status information to the inquiring person through messaging services of the contracted GSM operators (4) and/or messaging services of telecommunication companies offering short messaging via fixed telephone lines (9)

2. An inquiry method according to claim 1 and it is characterized in that the said contracted GSM operators (4) and/or telecommunication companies offering short messaging via fixed telephone lines (9) use SMS (short Message Service)as messaging service.

3. An inquiry method according to claim 1 and it is characterized in that the said GSM operators (4) use MMS (multi-media message service) as messaging service.

4. The invention is a method for inquiry of check-bond status providing inquiry of negotiable papers such as checks, bonds etc. by short messaging through an inquiry interface located on a communication device (2) connected to the internet (3) without need for going to the related bank branch and it consists of process steps of transmission of the inquired details to central bank database (5) and/or BDDK database (6) wherein the check-bond status information are stored, and/or a special inquiry database (7) where the current details are stored simultaneously, through at least one inquiry interface located on the communication device (2) connected to internet (3), determination of the status information of the check-bond requested to be inquired by examining the said databases (5, 6, 7), transmission of the status information to the inquiring person through internet.

5. An inquiry method according to claim 4 and it is characterized in that for inquiry over internet (2) an inquiry page to be provided on web pages of the banks and/or a different interface uniquely designed for inquiry operation is used.

6. An inquiry method according to claim 4 and it is characterized in that the a computer, PDA which can be connected to internet and/or mobile telephone with internet access feature is used as communication device (2).