A system that encourages the regular payment of bills.

Abstract

This invention relates to a system (1) that encourages customers to make regular bill payments.

Description

1 TARIFF A system that encourages the regular payment of bills. Technical Area This invention enables customers to make regular bill payments. It is related to a system. Previous Technique Today, financial strategies are based on personal data analytics and behavioral data. There are studies that provide convenience. However, regarding collection... The customer experiencing difficulties will make regular payments without incurring penalties. to do this, new ways to use processed data on loyal customers There are no studies that enable the presentation of products. 15 Therefore, considering the studies and shortcomings in the current technique... when this is done, it encourages customers to make regular bill payments. It appears that a system is needed to enable this. U.S. patent number US2014244476A1, which is included in the prior art. the document describes a system designed to reduce users' credit risk. The system is being discussed. The invention involves personal data analytics and behavioral data. A financial interaction based on reality is facilitated. This financial interaction is real. It directs behaviors that affect time-related credit risk and during the transaction 25 It provides direct feedback. The system learns personal information about the user. based on data and behavioral information, in personal financial decisions and interactions It functions as a personal assistant helping customers. The system is personal. behavioral data derived from user preferences and various financial transactions According to the data, it is possible to communicate in order to initiate a conversation. With the user 30 Based on continuous interactions, a financial score prediction can be made, and 2 Rewards or incentives can be offered to the user. For example, the network system, the client. The responses received from the device include things like "make payments on time" or "save money". being able to evaluate in terms of competencies, the behavioral component of these responses is positive. or compares with a negative index of fundamental indicators (e.g., financial (behavioral data, personal data analytics, user preferences, etc.). Positive behavioral 5 Examples of data include a customer's fulfillment of their monthly payment obligations. the probability of making payments on time, not falling behind, paying bills immediate payment, paying off the balance completely each month to avoid interest, such as paying a certain number of bills (for example, at least four and fewer than ten bills) Financial status or indicators can be provided. These indicators are given to the customer in 10 also depends on behavioral criteria related to suggestions, recommendations or guidance. This is possible. Negative indicators can be the opposite of positive data. In addition to these factors, other issues such as bills being excessively high or low are also considered. It includes indicators. Only minimum payment is required, payment to the client device. 15 that could lead to a proposal to double the amount and reduce the accrued interest. It can be a neutral indicator. No indicator or set of indicators is fixed, any indicator relating to financial situations or behavior, network system It is designed to be used by [the relevant authority]. Brief Description of the Invention 20 The aim of this invention is to encourage customers to make regular bill payments. It is about implementing a system developed to provide this. Another purpose of this invention is to encourage loyal customers to pay their bills 25%. rewarding customers and trying to win them over for new products It is about implementing a system developed to provide this. Another purpose of this invention is to regulate the payment related to the collection of the purchase of the product. by obtaining a commitment from non-compliant customers regarding regular payments, 30 3 Incentivizing customers to commit with new discounts, products, or rewards. The goal is to implement a system developed to ensure this. Another purpose of this invention is to address difficulties in collecting payments. the customer must make regular payments in a committed manner without incurring penalties, 5 New products that loyal customers can use based on the processed data. The goal is to implement a system developed to facilitate its presentation. Detailed Description of the Invention The "Regular Invoicing" process was carried out to achieve the purpose of this invention. A system that encourages payment is shown in the attached figure; Figure 1 shows a schematic view of the system that is the subject of the invention. The parts shown in the figure are individually numbered, and these numbers correspond to... The corresponding answers are given below. 1. System 2. Blockchain Database 20 3. Server M. Customer Electronic Device To encourage customers to make regular bill payments. The system that is the subject of the invention developed for this purpose (1); 25 - containing customer data, profiles determined based on customer data, and structured to keep records of reward definitions and incentives at least one blockchain database (2), - using any communication protocol customer electronic device (M) 30 to connect with, access data on the blockchain database (2) and recording data on it, customers' payment habits and 4 Accessing administrative / legal monitoring data, data related to services used by customers. invoice payment history, payment habits based on invoice due date, Customers' administrative and legal follow-up data, how many times they have been subject to administrative and legal follow-up before legal proceedings were initiated and how they concluded, client law firm search Payment likelihood based on results, customer credit information 5 Using information like this, artificial intelligence creates a customer profile. to determine the customer's shopping, internet browsing data, and usage data from the company's applications, from the applications it uses Location information, subscription information, and group company information will be obtained. subscriptions, subscription age, city of residence, marital status, age, data 10 consumption, SMS consumption and call consumption, currently through the company. data on the use and frequency of use of the discounts offered at least structured to offer reward suggestions using artificial intelligence. It includes a server (3). The blockchain database (2) in the system in question (1) and the server (3) It is structured to establish a connection. The blockchain database (2) contains customer data, profiles determined based on customer data, and rewards It is structured to keep records of definitions and incentives. In the system in question (1), the server (3) is located in the known state of the art. using any communication protocol, the area communicates with the customer electronic device (M). It is configured to establish a connection. Server (3), blockchain database (2) It is configured to access and record data on the device. Server (3) has access to customers' payment habits and administrative / legal follow-up data 25 The server (3) is configured to access the services used by customers. invoice payment history, payment habits according to invoice due date, Customers' administrative and legal follow-up data, how many times they have been subject to administrative and legal follow-up before. follow-up actions taken and how they concluded, client law firm search results payment possibilities according to customer credit information, etc. 30 using artificial intelligence to create a customer profile is configured. The server (3) contains the customer's shopping and internet browsing data, data from applications belonging to the company it uses, Location information, subscription information, and group company information obtained from applications. subscriptions, subscription age, city of residence, marital status, age, data consumption, SMS consumption and call consumption are currently 5 offered through the company. artificial intelligence is created by using data such as the use and frequency of discounts. It is structured to offer reward suggestions based on intelligence. The server (3) in the system (1) that is the subject of the invention, provides the services used by the customer. invoice payment history, payment habits according to invoice due date, 10 Customer administrative and legal follow-up data, customer law firm search. payment likelihood based on the results and customer credit information Using data, an artificial intelligence decision tree algorithm can analyze the customer's current situation. It is structured to determine the financial situation in the current case. Server (3), how many times administrative and legal follow-up was done for the customer before and how 15 Using data indicating the outcome, an artificial intelligence decision tree algorithm can be used. It is structured to understand the customer's past history. Server (3) displays the billing history, invoice date, and billing history for the services used by the customer. Payment habits based on payment date, administrative and legal follow-up of customers. data, client law firm search results, likelihood of paying 20 and ensuring there are no issues with data such as customer credit information; customers; administrative According to tracking and legal follow-up data and client law firm search results lack of data on the likelihood of payment or that they will pay If there is positive feedback, the artificial intelligence decision tree algorithm with 25 to position the customer in the top segment category. is configured. Server (3), based on the analysis result and customer product usage and suggesting personalized rewards to customers based on their bill payment habits. It is structured to provide this. The server (3) in the system (1) which is the subject of the invention, allows the customer to shop, use the internet 30 browsing data, data from applications belonging to the company it uses, 6 Location information and subscription information obtained from the applications used, group company subscriptions, subscription age, city of residence, marital status, age, data consumption, SMS consumption and call consumption, currently offered through the company. This was based on data regarding the use and frequency of discounts. 5 to teach the artificial intelligence decision tree algorithm the gift sample is configured. The server (3) contains the customer's shopping and internet browsing data, data, including data, SMS, and voice, from applications belonging to the company it uses. Using data on consumption patterns, an artificial intelligence decision tree algorithm It is structured to understand the customer's consumption habits. Server (3), location information obtained from the applications used by the customer, 10 customer subscription information, group company subscriptions, subscription age, city of residence, marital status, age, use of current discounts offered by the company, and AI decision tree algorithm using data in the form of frequency of use It is structured to understand the customer's social habits. The server (3) in the system (1) which is the subject of the invention, has not been subject to administrative or legal proceedings before. Customers who do not enter the system but have regular bill payment habits are placed in the top category. It is configured to place the server (3), group company applications. pay the bill of a customer who doesn't use the internet but constantly renews their internet package. When your habits change, you will receive a reward of 20 for adding an extra internet data package. It is configured to provide the data. The server (3) is configured to provide data at certain intervals. or payment when a situation is detected that is outside of the customer's payment habits It is structured to provide rewards as an incentive. Server (3), if the customers categorized as customers open to improvement are legal If the customer is highly likely to pay according to the office's search data, then it's still 25. According to usage data, the customer should be informed of the reward during the conversation. It is structured to provide this. Server (3) in the system (1) which is the subject of the invention, currently offers event discounts If a customer uses VIP event invitations, the other 30 will be distributed according to usage rate. Discounts on a group company basis, free music or television apps. 7 content or certain discounts that can be applied to your bill for the relevant month, data Bonus internet and minute offers to high-usage customers, based on location. Market and restaurant discounts based on location matching included in their services, For wallet-owning customers via the blockchain database (2), the company 5 to offer rewards in the form of a token reward that it will issue / determine. is configured. The server (3) delivers the defined rewards to the customer's electronic device. (M) is configured to provide. Server (3) provides customer data, customer Profiles and reward definitions and incentives determined according to data on the blockchain. It is configured to save to the database (2). Industrial application of the invention In the system covered by the invention (1) customers are encouraged to make regular bill payments This is ensured. The customer electronic device (M) included in the system (1) is blockchain data database (2) and server (3) provide the user with data privacy principles in accordance with the principles of data privacy. This provides information and consent, in accordance with the Law on the Protection of Personal Data. It operates within the scope of the (KVKK - Turkish Personal Data Protection Law). Based on these fundamental concepts, the invention focuses on "Regular Payment of Bills". Development of a wide variety of applications related to "An Incentive System (1)" It is possible, and the invention is not limited to the examples described here, but is essentially As stated in the requests.

Claims

8 REQUESTS 1. Encourage customers to make regular bill payments. developed for this purpose; - includes customer data, profiles determined based on customer data, and 5 structured to keep records of reward definitions and incentives containing at least one blockchain database (2); - using any communication protocol customer electronic device (M) to connect with, access data on the blockchain database (2) and recording data on it, customers' payment habits and 10 Accessing administrative / legal monitoring data, data related to services used by customers. invoice payment history, payment habits based on invoice due date, Customers' administrative and legal follow-up data, how many times they have been subject to administrative and legal follow-up before legal proceedings were initiated and how they concluded, client law firm search Payment likelihood based on results, customer credit information 15 Using information like this, artificial intelligence creates a customer profile. to determine the customer's shopping, internet browsing data, and usage data from the company's applications, from the applications it uses Location information, subscription information, and group company information will be obtained. subscriptions, subscription age, city of residence, marital status, age, data 20 consumption, SMS consumption and call consumption, currently through the company. data on the use and frequency of use of the discounts offered at least structured to offer reward suggestions using artificial intelligence. a system (1) characterized by a server (3).

2. Blockchain database configured to connect to Server (3) A system like the one in Claim 1, characterized by (2) (1).

3. It contains customer data, profiles determined based on customer data, and 30 structured to keep records of reward definitions and incentives. 9 as in Claim 1 or 2 characterized by blockchain database (2) a system (1).

4. Using any communication protocol, the customer electronic device (M) 5 characterized by the server (3) configured to connect with a system like any of the above requests (1).

5. Accessing and editing data on the blockchain database (2) characterized by the server (3) configured to record a system like any of the above requests (1). 10 6. Accessing customers' payment habits and administrative / legal tracking data. The above is characterized by the server (3) configured to do so. a system like any of the requests (1).

7. Invoice payment history for services used by customers, invoice date Payment habits based on payment date, customer administrative follow-up and legal Tracking data includes how many times administrative and legal follow-ups have been conducted previously and how. the process concluded, the client made a payment according to the law firm search results. probabilities, using information such as customer credit details, artificially create 20 a server configured to create a customer profile using intelligence (3) like any of the above-mentioned claims characterized by system (1).

8. The customer's shopping and internet browsing data, and data belonging to the company they use. Data within the scope of applications is obtained from the applications used. Location information, subscription information, group company subscriptions will be collected. Subscription age, city of residence, marital status, age, data consumption, SMS consumption and speech consumption, currently offered through the company. Using data on discount usage and frequency of use, 30 with a server configured to offer reward suggestions with artificial intelligence (3) as in any of the above characterized claims system (1).

9. The customer's billing history for the services they used, the last 5 bills. Payment habits based on payment date, customer administrative follow-up and legal Tracking data, paying based on client law firm search results. artificial intelligence is created by using data in the form of probabilities and customer credit information. using an intelligent decision tree algorithm to analyze the customer's current financial situation. 10 characterized by the server (3) configured to detect its status a system like any of the above-mentioned requests (1).

10. How many times has administrative and legal action been taken against the customer previously, and how? AI decision tree using data indicating the conclusions reached. 15 algorithms to understand the customer's past situation from the above requests characterized by the configured server (3) a system like any other (1).

11. The customer's billing history for the services they have used, including the last billing date. Payment habits based on payment date, customer administrative follow-up and legal 20 Tracking data, paying based on client law firm search results. There should be no problems with data such as probabilities and customer credit information, clients' administrative and legal follow-up data and client law firm's data. has data in the form of payment probabilities according to search results 25 if there is no or if there is positive feedback that they will pay. Using an artificial intelligence decision tree algorithm, the customer is placed in the top segment. characterized by the server (3) configured to be positioned in the category a system like any of the above-mentioned requests (1). 11 12. Based on the analysis results and the customer's product usage and bill payment information... to enable the suggestion of personalized rewards to customers based on their habits from the above requests characterized by the configured server (3) a system like any other (1).

13. The customer's shopping, internet browsing data, and data belonging to the company they use. Data within the scope of applications is obtained from the applications used. Location information, subscription information, group company subscriptions will be collected. Subscription age, city of residence, marital status, age, data consumption, SMS consumption and speech consumption, currently 10 offered through the company. This was based on data regarding the use and frequency of discounts. teaching the AI ​​decision tree algorithm the gift sample that is given The above is characterized by the server (3) configured to do so. a system like any of the requests (1).

14. The customer's shopping and internet browsing data, belonging to the company they use. data within applications, data, SMS and call consumption Using data in this format, an artificial intelligence decision tree algorithm can be used. server configured to understand customer consumption habits (3) like any of the above-mentioned claims characterized by 20 system (1).

15. Location information obtained from applications used by the customer, customer subscription information, group company subscriptions, subscription age, place of residence city, marital status, age, current discounts offered by the company 25 artificial intelligence using data such as usage and frequency of use to understand customer social habits using a decision tree algorithm from the above requests characterized by the configured server (3) a system like any other (1). 12 16. Those who have not previously been subject to administrative or legal proceedings and have a habit of paying their bills. structured to place regular customers in the top category in any of the above requests characterized by the server (3) such a system (1). Group 17: Companies that don't use company applications but constantly use their internet packages. When a renewing customer changes their billing habits, the internet to provide an additional package definition reward for its use from the above requests characterized by the configured server (3) a system like any of them (1). 10 18. At specific intervals or in a situation outside of customer payment habits. to ensure that a reward is given as an incentive for payment when it is detected from the above requests characterized by the configured server (3) a system like any other (1). 15 19. For customers categorized as having room for improvement, if... According to law firm search data, it is highly likely to make the payment. According to usage data, the customer was also contacted during the conversation. Server (3) configured to provide reward information and 20 as in any of the above characterized claims system (1).

20. If the customer is currently using event discounts, then the VIP event Invitations, discounts based on usage rate with other group companies, 25 free content or related monthly offers on music or television apps certain discounts that can be applied to the bill, for high data usage Customers who use location services receive bonus internet data and minutes as rewards. Market and restaurant discounts based on location matching, block For wallet-owning customers via the chain database (2), the company's 30 13 to offer rewards in the form of a token reward that it will issue / determine from the above requests characterized by the configured server (3) a system like any other (1).

21. To deliver the defined rewards to the customer's electronic device (M) 5 from the above requests characterized by the configured server (3) a system like any other (1).

22. Customer data, profiles and rewards determined based on customer data. 10 Recording their definitions and incentives on the blockchain database (2) The above is characterized by the server (3) configured to do so. a system like any of the requests (1). 20 30

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