WO2023282866A3 - A system for bill payment - Google Patents

A system for bill payment Download PDF

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Publication number
WO2023282866A3
WO2023282866A3 PCT/TR2022/050152 TR2022050152W WO2023282866A3 WO 2023282866 A3 WO2023282866 A3 WO 2023282866A3 TR 2022050152 W TR2022050152 W TR 2022050152W WO 2023282866 A3 WO2023282866 A3 WO 2023282866A3
Authority
WO
WIPO (PCT)
Prior art keywords
customers
time deposit
deposit account
bill payment
automatically
Prior art date
Application number
PCT/TR2022/050152
Other languages
French (fr)
Other versions
WO2023282866A2 (en
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 WO2023282866A2 publication Critical patent/WO2023282866A2/en
Publication of WO2023282866A3 publication Critical patent/WO2023282866A3/en

Links

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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Economics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a system (1) which enables to detect amounts of next bill payment by means of artificial intelligence algorithms by analysing the previous payments or expenditures of bank customers on their bank accounts and in the event that the total amount detected is not available in the customers' bank accounts; to transfer the said amount automatically from the customers' account to the time deposit account opened, by opening a new daily time deposit account; and to collect the said amount from the time deposit account automatically when a bill falls due.
PCT/TR2022/050152 2021-02-26 2022-02-21 A system for bill payment WO2023282866A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
TR2021/003266 2021-02-26
TR2021003266 2021-02-26

Publications (2)

Publication Number Publication Date
WO2023282866A2 WO2023282866A2 (en) 2023-01-12
WO2023282866A3 true WO2023282866A3 (en) 2023-02-23

Family

ID=84802146

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/TR2022/050152 WO2023282866A2 (en) 2021-02-26 2022-02-21 A system for bill payment

Country Status (1)

Country Link
WO (1) WO2023282866A2 (en)

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7899750B1 (en) * 2006-10-31 2011-03-01 Intuit Inc. Goal orientated computing system implemented financial management using projected balances
US20140180962A1 (en) * 2012-12-21 2014-06-26 Edward Jones & Co. System and method for income managed account
US20150206252A1 (en) * 2014-01-21 2015-07-23 Capital One Financial Corporation System and method for account transaction and balance prediction
US20170076379A1 (en) * 2015-09-11 2017-03-16 Bank Of America Corporation System for analyzing pre-event and post-event individual accounts and transforming the accounts
CN110858355A (en) * 2018-08-22 2020-03-03 北京国双科技有限公司 Project budget balance prediction method and device
US10636087B1 (en) * 2017-03-07 2020-04-28 Wells Fargo Bank, N.A. Customized graphical user interface for managing multiple user accounts

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7899750B1 (en) * 2006-10-31 2011-03-01 Intuit Inc. Goal orientated computing system implemented financial management using projected balances
US20140180962A1 (en) * 2012-12-21 2014-06-26 Edward Jones & Co. System and method for income managed account
US20150206252A1 (en) * 2014-01-21 2015-07-23 Capital One Financial Corporation System and method for account transaction and balance prediction
US20170076379A1 (en) * 2015-09-11 2017-03-16 Bank Of America Corporation System for analyzing pre-event and post-event individual accounts and transforming the accounts
US10636087B1 (en) * 2017-03-07 2020-04-28 Wells Fargo Bank, N.A. Customized graphical user interface for managing multiple user accounts
CN110858355A (en) * 2018-08-22 2020-03-03 北京国双科技有限公司 Project budget balance prediction method and device

Also Published As

Publication number Publication date
WO2023282866A2 (en) 2023-01-12

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