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WO2021194452A1 - A system for porting automatic payment orders - Google Patents

A system for porting automatic payment orders Download PDF

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Publication number
WO2021194452A1
WO2021194452A1 PCT/TR2021/050232 TR2021050232W WO2021194452A1 WO 2021194452 A1 WO2021194452 A1 WO 2021194452A1 TR 2021050232 W TR2021050232 W TR 2021050232W WO 2021194452 A1 WO2021194452 A1 WO 2021194452A1
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WO
WIPO (PCT)
Prior art keywords
server
bank
electronic device
application
automatic payment
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
PCT/TR2021/050232
Other languages
French (fr)
Inventor
Irem YILMAZ
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Turkiye Garanti Bankasi AS
Original Assignee
Turkiye Garanti Bankasi AS
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 AS filed Critical Turkiye Garanti Bankasi AS
Publication of WO2021194452A1 publication Critical patent/WO2021194452A1/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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

Definitions

  • the present invention relates to a system for transmitting automatic payment orders of customers who change their bank, to the transferred bank automatically and processing these.
  • Automatic payment order is a service whereby a bank customer places order to the bank for transactions such as bill payment, credit card payment and thus ensures that the said payments are made at certain times.
  • Steps of receiving the telephone number of the bank customer and recording it as customer number, confirming that the telephone number belongs to the bank customer upon the bank customer is called by an employee at the bank branch, configuring the bank account on the phone number with the personal information received from the bank customer, the bank customer carrying out banking transactions by calling the bank’ s contact number through his/her mobile device, sending notification to the mobile device of the bank customer via SMS about the account activities of the bank customer are carried out in the method of the said invention.
  • it is enabled to port account information and automatic payment orders of a bank customer -included in his/her conventional bank account- to an account created by his/her telephone number.
  • An objective of the present invention is to realize a system for notifying automatic payment orders included in a previous bank automatically to a new bank and processing these in case of bank changes.
  • Figure l is a schematic view of the inventive system.
  • the inventive system (1) for transferring automatic payment orders included in a bank to a new bank and processing these 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 on it; at least one application (3) which is run on the electronic device (2) and configured to create demand for porting at least automatic payment orders to a new bank; at least one database (4) which is configured to keep customer information, customer’s bank account information and automatic payment order information about customers; and at least one server (5) which can establish communication with the electronic device (2) by using any remote communication protocol and to realize data exchange with the application (3) being run on the electronic device (2) over this communication established; is in communication with the database (4) and the bank servers (DS) and configured to receive data about the customer information and the orders input by means of the application (3) upon being triggered when an automatic payment order porting demand is transmitted over the application (3), to access the automatic payment orders and the information associated with the said customer by performing a query within the database (4) for the customer information and the order data received and to transmit the automatic payment order information accessed to
  • the electronic device (2) included in the inventive system (1) is a device such as smartphone, tablet computer, desktop computer or laptop having an input unit in the form of button or touch screen.
  • the electronic device (2) is configured to at least one application (3) on it.
  • the said electronic device (2) is configured to establish connection with the server (5) by using any remote communication protocol in the state of the 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 Internet as data bus.
  • the application (3) included in the inventive system (1) is run on the electronic device (2) and configured to realize data exchange with the server (5) over the communication established between the electronic device (2) and the server (5).
  • the said application (3) is configured to create a demand for porting at least automatic payment orders to a new bank.
  • the application (3) is configured to provide an interface adapted to allow users to sign in by a distinguishing identity information that is previously defined by the bank for them and a password.
  • the said application (3) is configured to provide an interface adapted to enable display of payment orders that are available for each user and list of banks where porting can be realized.
  • the database (3) is configured to provide an interface adapted to enable creation of a porting demand by choosing payment orders one by one and/or collectively and by selecting the bank where it is requested to port the order for each automatic payment order.
  • 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 the distinguishing identity information defined for the customers and the password information such that they are associated with the customer information.
  • the said database (4) is also configured to keep customer’s account information and payment order information.
  • 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) being run on the electronic device (2) over this communication established.
  • the server (5) is configured to establish communication with the bank server (DS) in order to transmit for automatic payment order porting demands.
  • DS bank server
  • the said server (5) is configured to establish communication with the electronic device (2) and the bank server (DS) over Internet.
  • the server (5) is in communication with the database (4) and configured to be managed by the database (4).
  • the server (5) is configured to receive the customer information and the data about the order input by means of the application (3) upon being triggered when an automatic payment order porting demand is transmitted over the application (3).
  • the server (5) is configured to access the automatic payment orders and information associated with the said customer by performing a query within the database (4) for the customer information and the order data received and to transmit the automatic payment order information accessed to the bank server (DS) for processing.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The present invention relates to a system (1) for transmitting automatic payment orders of customers who change their bank, to the transferred bank automatically and processing these.

Description

A SYSTEM FOR PORTING AUTOMATIC PAYMENT ORDERS
Technical Field
The present invention relates to a system for transmitting automatic payment orders of customers who change their bank, to the transferred bank automatically and processing these.
Background of the Invention
Automatic payment order is a service whereby a bank customer places order to the bank for transactions such as bill payment, credit card payment and thus ensures that the said payments are made at certain times.
Today, when bank customers switch from one bank to another, they have to cancel all payment orders included in their previous banks and inform their new bank about each payment order. In this case, it takes a long time for a customer who has a large number of payment orders in a bank to notify each payment order to the new bank that s/he will be transferred and it is a laborious process. Similarly, it also takes up time for employees of the new bank to process each payment order. And this usually causes time failures and customer dissatisfaction due to overdue and outstanding debts.
Therefore, considering the studies and the deficiencies in the state of the art, it is understood that there is need for a system for notifying existing automatic payment orders to the new bank automatically and processing these when users change their bank. The United States patent document no. US20050038744, an application included in the state of the art, discloses a method for conducting banking transactions over a mobile device by storing telephone numbers of bank customers. Steps of receiving the telephone number of the bank customer and recording it as customer number, confirming that the telephone number belongs to the bank customer upon the bank customer is called by an employee at the bank branch, configuring the bank account on the phone number with the personal information received from the bank customer, the bank customer carrying out banking transactions by calling the bank’ s contact number through his/her mobile device, sending notification to the mobile device of the bank customer via SMS about the account activities of the bank customer are carried out in the method of the said invention. In the said invention, it is enabled to port account information and automatic payment orders of a bank customer -included in his/her conventional bank account- to an account created by his/her telephone number.
Summary of the Invention
An objective of the present invention is to realize a system for notifying automatic payment orders included in a previous bank automatically to a new bank and processing these in case of bank changes.
Detailed Description of the Invention
“A System for Porting Automatic Payment Orders” realized to fulfil the objective of the present invention is shown in the figure attached, in which:
Figure l is a schematic view of the inventive system.
The components illustrated in the figure are individually numbered, where the numbers refer to the following: 1. System
2. Electronic device
3. Application
4. Database 5. Server
DS. Bank server
The inventive system (1) for transferring automatic payment orders included in a bank to a new bank and processing these 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 on it; at least one application (3) which is run on the electronic device (2) and configured to create demand for porting at least automatic payment orders to a new bank; at least one database (4) which is configured to keep customer information, customer’s bank account information and automatic payment order information about customers; and at least one server (5) which can establish communication with the electronic device (2) by using any remote communication protocol and to realize data exchange with the application (3) being run on the electronic device (2) over this communication established; is in communication with the database (4) and the bank servers (DS) and configured to receive data about the customer information and the orders input by means of the application (3) upon being triggered when an automatic payment order porting demand is transmitted over the application (3), to access the automatic payment orders and the information associated with the said customer by performing a query within the database (4) for the customer information and the order data received and to transmit the automatic payment order information accessed to the bank server (DS) for processing. The electronic device (2) included in the inventive system (1) is a device such as smartphone, tablet computer, desktop computer or laptop having an input unit in the form of button or touch screen. In a preferred embodiment of the invention, the electronic device (2) is configured to at least one application (3) on it. The said electronic device (2) is configured to establish connection with the server (5) by using any remote communication protocol in the state of the art and to ensure that data exchange is realized between the application (3) and the server (5) over this connection established. In a preferred embodiment of the invention, the electronic device (2) is configured to realize data exchange with the server (5) by using Internet as data bus.
The application (3) included in the inventive system (1) is run on the electronic device (2) and configured to realize data exchange with the server (5) over the communication established between the electronic device (2) and the server (5). The said application (3) is configured to create a demand for porting at least automatic payment orders to a new bank. In a preferred embodiment of the invention, the application (3) is configured to provide an interface adapted to allow users to sign in by a distinguishing identity information that is previously defined by the bank for them and a password. The said application (3) is configured to provide an interface adapted to enable display of payment orders that are available for each user and list of banks where porting can be realized. The database (3) is configured to provide an interface adapted to enable creation of a porting demand by choosing payment orders one by one and/or collectively and by selecting the bank where it is requested to port the order for each automatic payment order.
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 the distinguishing identity information defined for the customers and the password information such that they are associated with the customer information. The said database (4) is also configured to keep customer’s account information and payment order information. 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) being run on the electronic device (2) over this communication established. In a preferred embodiment of the invention, the server (5) is configured to establish communication with the bank server (DS) in order to transmit for automatic payment order porting demands. The said server (5) is configured to establish communication with the electronic device (2) and the bank server (DS) over Internet. The server (5) is in communication with the database (4) and configured to be managed by the database (4). In a preferred embodiment of the invention, the server (5) is configured to receive the customer information and the data about the order input by means of the application (3) upon being triggered when an automatic payment order porting demand is transmitted over the application (3). The server (5) is configured to access the automatic payment orders and information associated with the said customer by performing a query within the database (4) for the customer information and the order data received and to transmit the automatic payment order information accessed to the bank server (DS) for processing.
With the inventive system (1), in cases where bank customers change their bank, it is ensured that the said payment orders are transmitted to the new bank and processed without the need for notifying their new banks about the automatic payment orders included in their previous banks one by one. Thereby, time loss of both bank employees and customers can be avoided and transactions that may be skipped or errors that may occur during bank change can be prevented.
Within these basic concepts; it is possible to develop various embodiments of the inventive “System for Porting Automatic Payment Orders (1)”; the invention cannot be limited to examples disclosed herein and it is essentially according to claims.

Claims

1. A system (1) for transferring automatic payment orders included in a bank to a new bank and processing these, comprising 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 on it; and characterized by at least one application (3) which is run on the electronic device (2) and configured to create demand for porting at least automatic payment orders to a new bank; at least one database (4) which is configured to keep customer information, customer’s bank account information and automatic payment order information about customers; and at least one server (5) which can establish communication with the electronic device (2) by using any remote communication protocol and to realize data exchange with the application (3) being run on the electronic device (2) over this communication established; is in communication with the database (4) and the bank servers (DS) and configured to receive data about the customer information and the orders input by means of the application (3) upon being triggered when an automatic payment order porting demand is transmitted over the application (3), to access the automatic payment orders and the information associated with the said customer by performing a query within the database (4) for the customer information and the order data received and to transmit the automatic payment order information accessed to the bank server (DS) for processing.
2. A system (1) according to Claim 1; characterized by the electronic device (2) which is smartphone, tablet computer, desktop computer or laptop having an input unit in the form of button or touch screen.
3. A system (1) according to Claim 1 or 2; characterized by the electronic device (2) which is configured to run at least one application (3) on it.
4. A system (1) according to any of the preceding claims; characterized by the electronic device (2) which configured to establish connection with the server (5) by using any remote communication protocol and to ensure that data exchange is realized between the application (3) and the server (5) over this connection established.
5. A system (1) according to any of the preceding claims; characterized by the electronic device (2) which is configured to realize data exchange with the server (5) by using Internet as data bus.
6. A system (1) according to any of the preceding claims; characterized by the application (3) which is run on the electronic device (2) and configured to realize data exchange with the server (5) over the communication established between the electronic device (2) and the server (5).
7. A system (1) according to any of the preceding claims; characterized by the application (3) which is configured to create a demand for porting at least automatic payment orders to a new bank.
8. A system (1) according to any of the preceding claims; characterized by the application (3) which is configured to provide an interface adapted to allow users to sign in by a distinguishing identity information that is previously defined by the bank for them and a password.
9. A system (1) according to any of the preceding claims; characterized by the database (3) which is configured to provide an interface adapted to enable display of payment orders that are available for each user and list of banks where porting can be realized.
10. A system (1) according to any of the preceding claims; characterized by the database (3) which is configured to provide an interface adapted to enable creation of a porting demand by choosing payment orders one by one and/or collectively and by selecting the bank where it is requested to port the order for each automatic payment order.
11. A system (1) according to any of the preceding claims; characterized by the database (4) which is in communication with the server (5) and configured to be managed by the server (5).
12. A system (1) according to any of the preceding claims; characterized by the database (4) which is configured to keep the distinguishing identity information defined for the customers and the password information such that they are associated with the customer information.
13. A system (1) according to any of the preceding claims; characterized by the database (4) which is also configured to keep customer’s account information and payment order information
14. A system (1) according to any of the preceding claims; characterized by the 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) being run on the electronic device (2) over this communication established.
15. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to establish communication with the bank server (DS) in order to transmit automatic payment order porting demands.
16. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to establish communication with the electronic device (2) and the bank server (DS) over Internet.
17. A system (1) according to any of the preceding claims; characterized by the server (5) which is in communication with the database (4) and configured to be managed by the database (4).
18. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to receive the customer information and the data about the order input by means of the application (3) upon being triggered when an automatic payment order porting demand is transmitted over the application (3).
19. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to access the automatic payment orders and the information associated with the said customer by performing a query within the database (4) for the customer information and the order data received.
20. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to transmit the automatic payment order information accessed to the bank server (DS) for processing.
PCT/TR2021/050232 2020-03-25 2021-03-16 A system for porting automatic payment orders Ceased WO2021194452A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
TR2020/04617 2020-03-25
TR202004617 2020-03-25

Publications (1)

Publication Number Publication Date
WO2021194452A1 true WO2021194452A1 (en) 2021-09-30

Family

ID=77890515

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/TR2021/050232 Ceased WO2021194452A1 (en) 2020-03-25 2021-03-16 A system for porting automatic payment orders

Country Status (1)

Country Link
WO (1) WO2021194452A1 (en)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9576318B2 (en) * 2012-09-25 2017-02-21 Mx Technologies, Inc. Automatic payment and deposit migration
AU2018100713A4 (en) * 2018-05-27 2018-08-23 Intechpro Pty. Ltd. Auto Direct Debit and Credit Switching Software is an enhanced version of the patent 2018100446. This software keeps the echo system updated automatically with the direct debit and direct credit details to avoid service disruption to the customers when their card or bank account change OR customers move to another bank / agency OR when there is a change to the merchants, service providers, payment systems, agencies, banks and others in the echo system. Also provides unified view of all the direct debit and credit details of customer to manage either existing OR new direct debit / credit.
AU2019229419A1 (en) * 2006-04-21 2019-10-03 Controlabill Pty Ltd Automated budget management, multiple payment, and payment authority management

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU2019229419A1 (en) * 2006-04-21 2019-10-03 Controlabill Pty Ltd Automated budget management, multiple payment, and payment authority management
US9576318B2 (en) * 2012-09-25 2017-02-21 Mx Technologies, Inc. Automatic payment and deposit migration
AU2018100713A4 (en) * 2018-05-27 2018-08-23 Intechpro Pty. Ltd. Auto Direct Debit and Credit Switching Software is an enhanced version of the patent 2018100446. This software keeps the echo system updated automatically with the direct debit and direct credit details to avoid service disruption to the customers when their card or bank account change OR customers move to another bank / agency OR when there is a change to the merchants, service providers, payment systems, agencies, banks and others in the echo system. Also provides unified view of all the direct debit and credit details of customer to manage either existing OR new direct debit / credit.

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