WO2024102096A1 - Message d'information - Google Patents

Message d'information Download PDF

Info

Publication number
WO2024102096A1
WO2024102096A1 PCT/TR2023/050364 TR2023050364W WO2024102096A1 WO 2024102096 A1 WO2024102096 A1 WO 2024102096A1 TR 2023050364 W TR2023050364 W TR 2023050364W WO 2024102096 A1 WO2024102096 A1 WO 2024102096A1
Authority
WO
WIPO (PCT)
Prior art keywords
information
server
customer
application
electronic device
Prior art date
Application number
PCT/TR2023/050364
Other languages
English (en)
Inventor
Seyda CETINKAYA CUKUR
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
Priority claimed from TR2022/016787 external-priority patent/TR2022016787A2/tr
Application filed by Turkiye Garanti Bankasi Anonim Sirketi filed Critical Turkiye Garanti Bankasi Anonim Sirketi
Publication of WO2024102096A1 publication Critical patent/WO2024102096A1/fr

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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • 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

Definitions

  • the present invention relates to a system for informing bank customers who make or receive payment regularly, on a specific date over a communication channel they want.
  • transaction data are received from a device operable by a seller associated with a service provider and via a network transmission between the device and server computing devices associated with the service provider.
  • the transaction data are associated with a transaction between a buyer and the seller.
  • the service provider can be commercial banking services, financing services and invoice services.
  • the service provider can track invoices on behalf of sellers and/or enable sellers to track invoices via an invoice hub.
  • the service provider can send an invoice for a seller and monitor if/when the invoice is paid.
  • the service provider enable the seller to monitor payment of invoices via the invoice hub.
  • a buyer may not tender payment for an invoice when the invoice is due.
  • the service provider can send one or more reminders to the buyer.
  • An objective of the present invention is to realize a system for informing bank customers who make or receive payment over their bank accounts periodically, on the dates they want and over a communication channel they want automatically.
  • Figure l is a schematic view of the inventive system.
  • Server The inventive system (1) for informing bank customers who make or receive payment over their bank accounts periodically, on the dates they want and over a communication channel they want automatically; comprises at least one electronic device (2) which is configured to realize data exchange by using any remote communication protocol and to run at least one application thereon; at least one application (3) which is run on the electronic device (2) and configured to enable at least users -who are bank customers- to carry out banking transactions, create an information request and enter conditions of information; at least one database (4) which is configured to keep record of the conditions of information and the customer information entered by the bank customer, therein; and at least one server (5) which is configured to establish communication with the electronic device (2) by using any remote communication protocol and to realize data exchange with the application (3) that is run on the electronic device (2), over this communication established; to manage the database (4); to access the account information of the related customer upon being triggered when an information request is created over the application (3) and to detect whether a regular request is made from the customer’s account and/or a regular payment is received by the customer’s account, by examining the incoming
  • the electronic device (2) included in the inventive system (1) is a device such as smartphone, tablet computer, desktop computer or portable computer configured to run at least one application (3) thereon.
  • the said electronic device (2) has speakers for providing audio output, at least one camera capable of taking picture and an input unit in the form of key or touchscreen.
  • the electronic device (2) is configured to establish connection with the server (5) by using any remote communication protocol included in the state of art and to ensure that data exchange is realized between the application (3) and the server (5) over this connection established.
  • the electronic device (2) is configured to realize data exchange with the server (5) by using a data bus such as Internet.
  • the application (3) included in the inventive system (1) is run on the electronic device (2) and configured to enable at least users -who are bank customers- to carry out banking transactions.
  • the said application (3) is configured to enable users to create a request for performing an information intended for regular money transfer or reception.
  • the application (3) is configured to provide at least one interface adapted such that it will enable bank customers -who regularly receive money in their account- to enter information of transfer channel such as sender’s name, surname, ID number, amount of transfer, period of transfer and e-mail, text message or information while it creates the information request of bank customers with accounts receiving money regularly.
  • the said application (3) is configured to provide at least one interface adapted such that it will enable customers to choose on which day of the week and/or month they want a transfer to be made, in the event that the users -who are bank customers- choose the weekly or monthly option while they choose the transfer period of information.
  • the application (3) is configured to provide an information to the user in the event that the user chooses the information option as an information channel.
  • the application (3) is configured to transmit the information of request and condition created by the users to the server (5).
  • the database (4) included in the inventive system (1) is in communication with the server (5) and configured to be managed by the server (5).
  • the said database (4) is configured to keep record of the conditions of information and the customer information entered by the bank customer, therein.
  • the said database (4) is configured to keep record of the data of incoming and/or outgoing payments in the customers’ bank accounts.
  • the server (5) included in the inventive system (1) is configured to establish communication with the electronic device (2) by using any remote communication protocol included in the state of the art and to realize data exchange with the application (3) that is run on the electronic device (2), over this communication established.
  • the server (5) is configured to realize establish communication with the electronic device (2) over a data network such as Internet.
  • the server (5) is configured to access the data inside the database (4) and to manage the data inside the database (4).
  • the server (5) is configured to run an artificial intelligence that processes, analyses data automatically and improves itself by learning, thereon.
  • the server (5) is configured to access the account information of the related bank customer over the database (4) upon being triggered by the information request created by the users on the application (3), by means of the communication established with the electronic device (2) and to detect whether there is any payment received by the user regularly, by analysing the said data by means of artificial intelligence.
  • the said server (5) is configured to approve the information request transmitted by the user and to perform the necessary information, if it detects that the payments received by the user are over a certain threshold.
  • the server (5) is configured to approve the information request transmitted by the user and to perform the necessary information, if it detects that the number of payments received by the user regularly is 2 and/or more.
  • the server (5) is configured to ensure that approval is obtained from the said sender customer for the information transaction, by detecting the customer from whom the customer -whose information request is approved- receives payment regularly.
  • the server (5) is configured to receive the conditions of information entered by the customer -who created the information request- over the application (3) in the event that the customer, who makes payment regularly, gives approval for the information transaction and to create an information message comprising the sender’s name, surname, ID number, amount of transfer information entered by the user and then to transmit it over an information channel in a period determined by the user.
  • the inventive system (1) it is possible to inform a receiver and sender in a period and by means of a communication channel determined by the user over the application (3) on the payment date and thereafter, upon a bank customer who receives payment regularly every month enters the personal information, sender account information of the sender from whom s/he will receive payment and the date of payment and receives approval from the sending person over the application (3).

Landscapes

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

Abstract

La présente invention concerne un système (1) pour informer des clients bancaires qui effectuent ou reçoivent régulièrement un paiement, à une date spécifique sur un canal de communication qu'ils souhaitent.
PCT/TR2023/050364 2022-11-07 2023-04-17 Message d'information WO2024102096A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
TR2022016787 2022-11-07
TR2022/016787 TR2022016787A2 (tr) 2022-11-07 Bi̇r bi̇lgi̇lendi̇rme si̇stemi̇

Publications (1)

Publication Number Publication Date
WO2024102096A1 true WO2024102096A1 (fr) 2024-05-16

Family

ID=91033013

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/TR2023/050364 WO2024102096A1 (fr) 2022-11-07 2023-04-17 Message d'information

Country Status (1)

Country Link
WO (1) WO2024102096A1 (fr)

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2012137949A (ru) * 2010-02-12 2014-03-20 Мастеркард Интернейшнл Инкорпорейтед Устройство и способ представления счета и его оплаты
US20150379499A1 (en) * 2012-06-29 2015-12-31 Dongyan Wang Mobile payment method and system for scheduled payments

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2012137949A (ru) * 2010-02-12 2014-03-20 Мастеркард Интернейшнл Инкорпорейтед Устройство и способ представления счета и его оплаты
US20150379499A1 (en) * 2012-06-29 2015-12-31 Dongyan Wang Mobile payment method and system for scheduled payments

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