A BILL PAYMENT MANAGEMENT SYSTEM

Abstract

This invention relates to a system (1) that enables the analysis of subscribers' payment behavior in the telecommunications and finance sectors using AI-powered LLM (Large Language Models) technologies, detecting users' late payments and late fees, and providing solutions without delay by offering optimized payment plans.

Description

1 TARIFF A BILL PAYMENT MANAGEMENT SYSTEM Technical Area This invention enables subscribers to make payments in the telecommunications and finance sectors. their behavior supported by AI-powered LLM – (Large Language Models) (Models) are analyzed using technologies, users' progress Identifying and optimizing payments and late fees. a system that ensures solutions are produced without delay by presenting plans 10 It is related. Previous Technique With the current technology, 15 bills are issued in exchange for a subscription to a product or service. Delays in payments if subscribers do not keep track of their bills They are experiencing difficulties due to the late payment fees that are being charged. Therefore, considering the studies and shortcomings in the current technique... When this is the case, using large language models (LLMs), users can 20 automatic detection of late payment and late fees on invoices And there is a need for a system that allows these fees to be managed. It is understood. U.S. patent number US11481822B2, which is included in the prior art, 25 the document describes using artificial intelligence to analyze user behavior and payments This refers to a system structured to calculate the risk of delay. An enhanced invoice management product, an invoice central server, and an invoice data It can include the database and retrieve data containing one or more invoices, It can transfer one or more invoice records to an invoice database, enabling fast processing. 30 You can define one or more invoice records for, one or more invoices 2 advance payment to a supplier linked to supplier identifiers associated with the record It can communicate the request to be done and send a notification to a customer. The Invoice Center server can retrieve data containing one or more invoices, This is one or more invoice records based on one or more invoices. It can create these records, transmit these records to an invoice database, and process them quickly. It can define one or more invoice records, and make an advance payment to a supplier. can submit a request and associate it with one or more billing records. It can send notifications to the customer. Brief Description of the Invention 10 The purpose of this invention is to enable subscribers to make payments in the telecommunications and finance sectors. analyzing their behavior using AI-powered LLM techniques, to identify users' late payments and late fees and Solution without delay by offering optimized payment plans. 15 The goal is to create a system that enables its production. Detailed Description of the Invention The "Invoice Payment Management 20" project was carried out to achieve the purpose of this invention. The "System" 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 the corresponding numbers are 25. given below: 1. System 2. Electronic device 3. Database 30 4. Server 3 Late payment and late fees on users' bills are automatically deducted. The system of invention which enables the determination and management of these fees (1); - exchanging data using any remote communication protocol to perform and allow subscribers to view their billing data 5 and at least one interface adapted to enable them to manage it. at least one electronic device configured to deliver (2), - It keeps subscriber billing and payment data on record. at least one database configured to hold (3) and − using any remote communication protocol with electronic device (2) 10 to communicate and exchange data through this communication, at least one artificial intelligence that automatically processes and interprets data to run the software, access the data in the database (3) and the database (3) Managing the data within, manually and / or at specific intervals Automatically triggered, the registered payment data in the database (3) 15 by analyzing data using artificial intelligence and identifying late payment risks, To determine the fees that will arise due to delay, based on the relevant invoice payment date. To warn the user as the delay approaches, to mitigate the risk of late payment. to create a notification message including the fee and send it to the electronic device (2) It includes at least one server (4) configured to transmit. 20 The electronic device (2) in the system (1) which is the subject of the invention, on which the data is automatically to run applications and / or software that function and produce meaningful results smartphones, tablet computers, desktop computers or configured accordingly It is a device in the form of a portable computer. Electronic device (2) any remote 25 to communicate with the server (4) using the communication protocol and the established communication protocol It is structured to facilitate data exchange via communication channels. Electronic device (2) payment date of a bill that users have to pay When the payment is due, the server (4) will remind you of the payment. 30 to enable them to view the warning notifications that have been sent is being configured. Payment detected by the electronic device (2) server (4) 4 This allows them to view delay risk data and delay fee information. It is configured to offer at least one interface adapted to provide this functionality. In the system that is the subject of the invention, the database (1) is in communication with the server (4) (3). and is configured to be managed by the server (4). The data in question is 5 the base (3) contains the current billing data and past payment history of subscribers It is structured to keep a record of habits data. Communication between the server (4) and the electronic device (2) located in the system (1) which is the subject of the invention to establish and exchange data with electronic devices (2) through this established communication 10 It is configured to perform the following. The data is automatically generated on the server (4). functioning as, analyzing, producing meaningful results, and improving itself through learning. It is configured to run at least one artificial intelligence software. Server (4) To access data in database (3) and to add new data to database (3) 15 by operations such as recording and deleting data in the database (3). The server (4) is configured to manage the database (3). triggered automatically and / or manually at periodic intervals within the database (3) Accessing registered billing data and subscriber billing and payment history data. It is configured to receive the invoice data obtained from the server (4). By analyzing the subscriber's past payment behavior with an intelligent LLM algorithm, 20 It is structured to learn and calculate the likelihood of payment delays. If the server (4) determines that the subscriber is at risk of late payment of their bill, payment to identify delays and the fees that will be incurred based on these delays It is configured to calculate automatically. Server (4) payment to determine any additional charges that may arise in case of delay and to discuss this with the subscriber 25 It is configured to save to the database (3) in an associated manner. Server (4) likely for the subscriber who is determined to be at risk of late payment of the invoice to generate a warning notification containing information about the late fee and send it to the electronic device (2) is configured to transmit. The server (4) also obtains from the database (3). Based on the analysis of the invoice data received, the invoice holder whose payment date is approaching is 30 to enable notifications to be sent to subscribers via electronic devices (2) It is being configured. Server (4) payment information for an invoice with a due date. to check and calculate the late payment fee for the unpaid bill with the user. It is configured to save to the database (3) in an associated manner. The server (4) analyzes the subscriber's bill and late fees and selects the most suitable 5 It is configured to determine the payment time and strategy. Server (4) Payment via application (3) to prevent subscribers from experiencing delays suggesting payment plans or splitting the bill into installments It is structured to ensure that it is recommended. Industrial Application of the Invention The system (1) that is the subject of the invention enables subscribers in the telecommunications and finance sectors payment behavior AI-powered LLM – (Large Language Models - Analyzing using Large Language Models technologies, users in the late 15 Identifying and optimizing payments and late fees. By presenting the plans, a solution can be found without delay. The system in question (1) provides the user with information containing data privacy principles and consent is given within the scope of the Personal Data Protection Law (KVKK) 20 It operates. Around these fundamental concepts, the invention is titled "A Bill Payment Management System". It is possible to develop a wide variety of applications related to (1)”, and the invention is here It cannot be limited to the examples given; it is essentially as stated in the claims. 25

Claims

6 REQUESTS 1. Automatic deduction of late payment and delayed charges on users' bills. enabling the identification and management of these fees; − data exchange using any remote communication protocol 5 to perform and process subscribers' billing data in a way that will allow them to view and manage at least one configured to offer at least one adapted interface electronic device (2) containing, - Records containing billing and payment data for subscribers. 10 at least one database (3) structured to keep it under control and - using any remote communication protocol electronic device (2) to communicate and exchange data through this communication to perform, automatically process data and running at least one artificial intelligence software that interprets the database (3) 15 to access the data within and the data in the database (3) to manage, manually and / or automatically at specific intervals by being triggered, it retrieves the registered payment data in the database (3) to analyze and identify late payment risks using artificial intelligence, Determining the fees that will arise due to delay, relevant invoice payment 20 To warn the user about the risk of late payment as the deadline approaches. to generate a notification message including the late fee and electronically with at least one server (4) configured to transmit to the device (2). a characterized system (1).

2. It automatically processes data and produces meaningful results. a smartphone configured to run applications and / or software, in the form of a tablet computer, desktop computer, or portable computer as in Claim 1, characterized by an electronic device (2), which is a device a system (1). 30 7 3. Communicate with the server (4) using any remote communication protocol. to establish communication and exchange data through this established communication channel. Claim 1 is characterized by an electronic device (2) configured to be or A system like the one in 2 (1).

4. When the payment due date for a bill that users need to pay is approaching transmitted by the server (4) regarding the reminder of the said payment configured to enable them to view warning notifications any of the above claims characterized by an electronic device (2) a system like one of them (1). 10 5. Payment delay risk data identified by the server (4) and to allow them to view late fee information electronic device configured to offer at least one adapted interface (2) a 15 as in any of the above claims characterized by system (1).

6. To be in communication with Server (4) and to be managed by Server (4) from the above requests characterized by the structured database (3) a system like any other (1). 20 7. Includes current billing data and past payment records for subscribers. a database structured to keep a record of habits data (3) like any of the above-mentioned claims characterized by system (1). 25 8. To communicate with the electronic device (2) and through this communication configured to exchange data with electronic device (2) any of the above requests characterized by the server (4) such a system (1). 30 8 9. Automatically processes and analyzes data, yielding meaningful results. at least one artificial intelligence software that generates and improves itself through learning. the above characterized by the server (4) configured to run a system like any of the requests (1).

10. To access data in database (3) and to add new data to database (3) data recording, deletion of data in the database (3) server configured to manage the database (3) with operations such as (4) like any of the above-mentioned claims characterized by system (1). 10 11. Database automatically and / or manually triggered at specific intervals. (3) Accessing the billing data registered within and the bills of subscribers server configured to retrieve payment history data (4) A system like any of the above characterized claims 15 (1).

12. By analyzing the obtained invoice data using an artificial intelligence LLM algorithm. to learn about the subscriber's past payment behavior and payment delays 20 characterized by the server (4) configured to calculate the probability. a system like any of the above requests (1).

13. If the payment authority determines that the subscriber is at risk of late payment, the payment will be processed. to identify delays and to develop strategies based on these delays Server (4) configured to automatically calculate fees and 25 a system like any of the above characterized claims (1).

14. To determine any additional charges that may arise in case of payment delays and to subscribers 30 to record in the database (3) in a way that is associated with 9 from the above requests characterized by the configured server (4) a system like any other (1).

15. Potential delay for subscribers identified as being at risk of late bill payment. to create a warning notification containing the fee information and to send it to the electronic device (2) 5 The above is characterized by the server (4) configured to transmit the above. a system like any of the requests (1).

16. Payment as a result of the analysis of invoice data obtained from the database (3). 10 via electronic device (2) to subscribers whose bill date is approaching with the server (4) configured to enable notification transmission a system like any of the above characterized claims (1).

17. Check payment information for an invoice that is due and 15 The late payment fee calculated for the unpaid invoice is shared with the user. configured to record to the database in an associated manner (3) any of the above requests characterized by the server (4) such a system (1).

18. Analyze the subscriber's bill and late payment fees to determine the most suitable payment method. with server (4) configured to determine its time and strategy a system like any of the above characterized claims (1).

19. To prevent subscribers from experiencing delays, the application should be implemented via (3). Suggesting payment plans or splitting the bill into installments. with the server (4) configured to enable the suggestion of doing so a system like any of the above characterized claims (1). 30

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