WO2022103367A1 - An installment postponement system - Google Patents

An installment postponement system Download PDF

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Publication number
WO2022103367A1
WO2022103367A1 PCT/TR2021/051165 TR2021051165W WO2022103367A1 WO 2022103367 A1 WO2022103367 A1 WO 2022103367A1 TR 2021051165 W TR2021051165 W TR 2021051165W WO 2022103367 A1 WO2022103367 A1 WO 2022103367A1
Authority
WO
WIPO (PCT)
Prior art keywords
customer
installment
postponement
electronic device
server
Prior art date
Application number
PCT/TR2021/051165
Other languages
French (fr)
Inventor
Alara YALCIN
Original Assignee
Turkiye Garanti Bankasi Anonim Sirketi
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Turkiye Garanti Bankasi Anonim Sirketi filed Critical Turkiye Garanti Bankasi Anonim Sirketi
Publication of WO2022103367A1 publication Critical patent/WO2022103367A1/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Definitions

  • the present invention relates to a system for enabling financial companies to postpone installments of their reliable customers to a next payment period by analysing their customers, and for prompting customers who use transactions of installment postponement to use their debit (payment) cards.
  • the Korean patent document no. KR20090000821 discloses a method for operating loaning transactions by online auction.
  • the method in the said invention carries out steps of registering a donor user and a borrower user, a borrower user generating a loaning auction item and including it to the auction, a donor user making an application for a loaning auction item by providing a participation fee to an auction item, and creating a payment plan for a borrower user by determining the optimum loaning for a loaning auction.
  • the borrower user can send a request for postponing installments of a debt payment; can create a request for installment postponement on a redirection screen enabling to input one or more of the information about the additional interest to be paid for the postponed installment and the new installment amount and can send it to an intermediary unit; a request for installment postponement is edited by the donor user and then it is transmitted to the borrower user; and a transaction of installment postponement is put into effect when the borrower user grants approval.
  • An objective of the present invention is to realize an installment postponement system for organizing an installment postponement campaign in order to postpone installment shopping transactions of customers within the first statement period by processing banking data of bank customers with artificial intelligence algorithms, and presenting it to customers.
  • Figure l is a schematic view of the inventive system for enabling parents to create a savings account on behalf of their children.
  • the inventive system (1) installment postponement system for enabling financial companies to postpone installments of their reliable customers (U) to a next payment period by analysing their customers (U), and for prompting customers (U) who use transactions of installment postponement to use their debit cards comprises: at least one electronic device (2) which is configured to enable a customer (U) to do online shopping by at least one debit card and/or credit card of a bank (B); at least one server (3) which gets in contact with the bank (B) and the electronic device (2) and is configured to access shopping transactions carried out by a customer (U) on the electronic device (2), to access historical monetary transaction data about a customer (U) by getting in contact with at least one external server (ES), to detect by means of artificial intelligence algorithms whether a related customer (U) is in a position to be able to pay his/her debts by analysing the customer’s (U) historical monetary transactions, to submit an installment postponement proposal to customers (U) who are in a position to be able to pay their debts.
  • the electronic device (2) included in the inventive system (1) is a smart device such as mobile phone, tablet or computer which is used by the customer (U) and configured to enable the customer (U) to communicate with other persons.
  • the electronic device (2) is configured to enable the customer (U) to enter the credit card information of the bank (B) where s/he has an account during online shopping and/or monetary transactions by means of input units located on thereof and to complete the purchase transaction by splitting the shopping amount into installments.
  • the server (3) included in the inventive system (1) is configured to access the credit card information of the customer (U) by communicating with the electronic device (2) and to detect the identity information of the customer (U) by querying the credit card information of the customer (U) on the bank (B).
  • the server (3) is configured to detect debts, credit score, credit card limit of the said customer (U) by getting in contact with at least one external server (ES), after detecting the identity information of the customer (U).
  • the server (3) is configured to calculate a related customer’s (U) rate of making payments on time and a related customer’s (U) possibility of being able to pay his/her debts on time, by analysing data of the customer (U) in the form of debt, credit score, credit card limit by means of the external server (ES).
  • the server (3) is configured to transmit a suggestion message to the electronic device (2) of the customer (U) about the fact that at least one installment of the related customer’s (U) current spending can be postponed to a next debt payment period, in the event of calculating that the customer (U) is highly liable to pay his/her debt on time.
  • the server (3) is configured to calculate a payment interest specific to the user (U) who is in association with the number of installments postponed, in the event of detecting that the customer (U) granted an approval for postponement and/or deferral of installment over the electronic device (2).
  • a customer (U) does online shopping by using a credit card of his/her bank (B) by means of the electronic device (2).
  • the shopping information included on the electronic device (2) are transmitted to the server (3) in the system (1).
  • the server (3) detects the credit card limit, credit score of the customer (U) by getting in contact with the external server (ES).
  • the server (3) detects whether the customer (U) is suitable for deferral of installment, by analysing the current credit card spending of the customer (U) together with his/her data in the form of credit card limit, credit score by means of artificial intelligence algorithms included on it.
  • the server (3) creates a suggestion enabling to postpone at least one installment of a current spending of the related customer (U) to a next debt payment period and then submits it to the customer (U) upon transmitting it to the electronic device (2).
  • inventive system (1) it is enabled to organize an installment postponement campaign in order to postpone installment shopping transactions of customers (U) within the first statement period by processing banking data of bank customers (U) with artificial intelligence algorithms, and to present it to customers (U). It is possible to develop various embodiments of the inventive installment postponement system (1); the invention cannot be limited to examples disclosed herein and it is essentially according to claims.

Abstract

The present invention relates to a system (1) for enabling financial companies to postpone installments of their reliable customers (U) to a next payment period by analysing their customers (U), and for prompting customers (U) who use transactions of installment postponement to use their debit cards.

Description

AN INSTALLMENT POSTPONEMENT SYSTEM
Technical Field
The present invention relates to a system for enabling financial companies to postpone installments of their reliable customers to a next payment period by analysing their customers, and for prompting customers who use transactions of installment postponement to use their debit (payment) cards.
Background of the Invention
Today, bank customers carry out purchase transaction by their debit cards and/or credit cards. Customers make a payment to their banks within a payment period up to the number of installments upon the total amount of one or more product item/s which they purchase by their credit cards is split into a number of installments determined by their banks. Due to the fact that the salary amount of each customer is different, the related customers may fail to pay their installment amounts due in the event of using their credit cards more than their salary monthly. The related banks take various actions for customers who cannot pay the monthly payment amounts or the installment products. Besides, customers who pay their debts on time and in full and have been using the credit card of the related bank for a long time may have difficulty in paying their installment amounts due to for various personal reasons in the course of time. However, customers who can pay their debts on time may pay their remaining installment debts by improving their financial condition within the next period. In addition to this, customers who pay their installment regularly but have a difficulty in payment transactions with a certain period cannot use their credit cards in case of emergency. In the state of the art, banks implement an installment postponement transaction to users -who are included in each customer profile- in the same number and at interest. No payment postponement solution that can be customized for customers who are highly liable to pay their debts for the bank, is found in the state of the art.
Due to the above-mentioned reasons, there is need for an installment postponement system which calculates the possibility of a related customer to pay his/her debts and provides customers who are highly liable to pay their debts with an opportunity of installment postponement by analysing credit debts, credit scores, credit card limits of customers who are highly liable to pay their debts by means of machine learning.
The Korean patent document no. KR20090000821, an application in the state of the art, discloses a method for operating loaning transactions by online auction. The method in the said invention carries out steps of registering a donor user and a borrower user, a borrower user generating a loaning auction item and including it to the auction, a donor user making an application for a loaning auction item by providing a participation fee to an auction item, and creating a payment plan for a borrower user by determining the optimum loaning for a loaning auction. In the said invention, the borrower user can send a request for postponing installments of a debt payment; can create a request for installment postponement on a redirection screen enabling to input one or more of the information about the additional interest to be paid for the postponed installment and the new installment amount and can send it to an intermediary unit; a request for installment postponement is edited by the donor user and then it is transmitted to the borrower user; and a transaction of installment postponement is put into effect when the borrower user grants approval.
Summary of the Invention
An objective of the present invention is to realize an installment postponement system for organizing an installment postponement campaign in order to postpone installment shopping transactions of customers within the first statement period by processing banking data of bank customers with artificial intelligence algorithms, and presenting it to customers.
Detailed Description of the Invention
“An Installment Postponement System” realized to fulfil the obj ective of the present invention is shown in the figure attached, in which:
Figure l is a schematic view of the inventive system for enabling parents to create a savings account on behalf of their children.
The components illustrated in the figure are individually numbered, where the numbers refer to the following:
1. System
2. Electronic device
3. Server
B. Bank
U. Customer
ES. External server
The inventive system (1) installment postponement system for enabling financial companies to postpone installments of their reliable customers (U) to a next payment period by analysing their customers (U), and for prompting customers (U) who use transactions of installment postponement to use their debit cards comprises: at least one electronic device (2) which is configured to enable a customer (U) to do online shopping by at least one debit card and/or credit card of a bank (B); at least one server (3) which gets in contact with the bank (B) and the electronic device (2) and is configured to access shopping transactions carried out by a customer (U) on the electronic device (2), to access historical monetary transaction data about a customer (U) by getting in contact with at least one external server (ES), to detect by means of artificial intelligence algorithms whether a related customer (U) is in a position to be able to pay his/her debts by analysing the customer’s (U) historical monetary transactions, to submit an installment postponement proposal to customers (U) who are in a position to be able to pay their debts.
The electronic device (2) included in the inventive system (1) is a smart device such as mobile phone, tablet or computer which is used by the customer (U) and configured to enable the customer (U) to communicate with other persons. The electronic device (2) is configured to enable the customer (U) to enter the credit card information of the bank (B) where s/he has an account during online shopping and/or monetary transactions by means of input units located on thereof and to complete the purchase transaction by splitting the shopping amount into installments.
The server (3) included in the inventive system (1) is configured to access the credit card information of the customer (U) by communicating with the electronic device (2) and to detect the identity information of the customer (U) by querying the credit card information of the customer (U) on the bank (B). The server (3) is configured to detect debts, credit score, credit card limit of the said customer (U) by getting in contact with at least one external server (ES), after detecting the identity information of the customer (U). The server (3) is configured to calculate a related customer’s (U) rate of making payments on time and a related customer’s (U) possibility of being able to pay his/her debts on time, by analysing data of the customer (U) in the form of debt, credit score, credit card limit by means of the external server (ES). The server (3) is configured to transmit a suggestion message to the electronic device (2) of the customer (U) about the fact that at least one installment of the related customer’s (U) current spending can be postponed to a next debt payment period, in the event of calculating that the customer (U) is highly liable to pay his/her debt on time. The server (3) is configured to calculate a payment interest specific to the user (U) who is in association with the number of installments postponed, in the event of detecting that the customer (U) granted an approval for postponement and/or deferral of installment over the electronic device (2).
In the inventive system (1), a customer (U) does online shopping by using a credit card of his/her bank (B) by means of the electronic device (2). The shopping information included on the electronic device (2) are transmitted to the server (3) in the system (1). The server (3) detects the credit card limit, credit score of the customer (U) by getting in contact with the external server (ES). The server (3) detects whether the customer (U) is suitable for deferral of installment, by analysing the current credit card spending of the customer (U) together with his/her data in the form of credit card limit, credit score by means of artificial intelligence algorithms included on it. In the event of detecting that the customer (U) is suitable for deferral of installment, the server (3) creates a suggestion enabling to postpone at least one installment of a current spending of the related customer (U) to a next debt payment period and then submits it to the customer (U) upon transmitting it to the electronic device (2).
With the inventive system (1), it is enabled to organize an installment postponement campaign in order to postpone installment shopping transactions of customers (U) within the first statement period by processing banking data of bank customers (U) with artificial intelligence algorithms, and to present it to customers (U). It is possible to develop various embodiments of the inventive installment postponement system (1); the invention cannot be limited to examples disclosed herein and it is essentially according to claims.

Claims

1. An installment postponement system (1) for enabling financial companies to postpone installments of their reliable customers (U) to a next payment period by analysing their customers (U), and for prompting customers (U) who use transactions of installment postponement to use their debit cards; comprising: at least one electronic device (2) which is configured to enable a customer (U) to do online shopping by at least one debit card and/or credit card of a bank (B); and characterized by at least one server (3) which gets in contact with the bank (B) and the electronic device (2) and is configured to access shopping transactions carried out by a customer (U) on the electronic device (2), to access historical monetary transaction data about a customer (U) by getting in contact with at least one external server (ES), to detect by means of artificial intelligence algorithms whether a related customer (U) is in a position to be able to pay his/her debts by analysing the customer’s (U) historical monetary transactions, to submit an installment postponement proposal to customers (U) who are in a position to be able to pay their debts.
2. An installment postponement system (1) according to Claim 1; characterized by the electronic device (2) which is a smart device such as mobile phone, tablet or computer that is used by the customer (U) and configured to enable the customer (U) to communicate with other persons.
3. An installment postponement system (1) according to Claim 1 or 2; characterized by the electronic device (2) which is configured to enable the customer (U) to enter the credit card information of the bank (B) where s/he has an account during online shopping and/or monetary transactions by means of input
7 units located on thereof and to complete the purchase transaction by splitting the shopping amount into installments.
4. An installment postponement system (1) according to any of the preceding claims; characterized by the server (3) which is configured to access the credit card information of the customer (U) by communicating with the electronic device (2) and to detect the identity information of the customer (U) by querying the credit card information of the customer (U) on the bank (B).
5. An installment postponement system (1) according to any of the preceding claims; characterized by the server (3) which is configured to detect debts, credit score, credit card limit of the said customer (U) by getting in contact with at least one external server (ES), after detecting the identity information of the customer (U).
6. An installment postponement system (1) according to any of the preceding claims; characterized by the server (3) which is configured to calculate a related customer’s (U) rate of making payments on time and a related customer’s (U) possibility of being able to pay his/her debts on time, by analysing data of the customer (U) in the form of debt, credit score, credit card limit by means of the external server (ES).
7. An installment postponement system (1) according to any of the preceding claims; characterized by the server (3) which is configured transmit a suggestion message to the electronic device (2) of the customer (U) about the fact that at least one installment of the related customer’s (U) current spending can be postponed to a next debt payment period, in the event of calculating that the customer (U) is highly liable to pay his/her debt on time.
8
8. An installment postponement system (1) according to any of the preceding claims; characterized by the server (3) which is configured to calculate a payment interest specific to the user (U) who is in association with the number of installments postponed, in the event of detecting that the customer (U) granted an approval for postponement and/or deferral of installment over the electronic device (2).
9
PCT/TR2021/051165 2020-11-10 2021-11-09 An installment postponement system WO2022103367A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
TR2020/17919 2020-11-10
TR2020/17919A TR202017919A2 (en) 2020-11-10 2020-11-10 One installment postponement system

Publications (1)

Publication Number Publication Date
WO2022103367A1 true WO2022103367A1 (en) 2022-05-19

Family

ID=75576741

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/TR2021/051165 WO2022103367A1 (en) 2020-11-10 2021-11-09 An installment postponement system

Country Status (2)

Country Link
TR (1) TR202017919A2 (en)
WO (1) WO2022103367A1 (en)

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20120166311A1 (en) * 2010-12-23 2012-06-28 Ebay, Inc. Deferred payment and selective funding and payments
US20200051117A1 (en) * 2013-07-13 2020-02-13 Bruce Mitchell Systems and Methods to Enable Offer and Rewards Marketing, and Customer Relationship Management (CRM) Network Platform

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20120166311A1 (en) * 2010-12-23 2012-06-28 Ebay, Inc. Deferred payment and selective funding and payments
US20200051117A1 (en) * 2013-07-13 2020-02-13 Bruce Mitchell Systems and Methods to Enable Offer and Rewards Marketing, and Customer Relationship Management (CRM) Network Platform

Also Published As

Publication number Publication date
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