STATE CONTRIBUTION DETERMINATION SYSTEM

Abstract

The invention relates to a government contribution determination system that allows users with multiple Private Pension Schemes (BES) to securely collect government contribution information from all insurance companies on a single platform and view their outstanding balances.

Description

STATE CONTRIBUTION DETERMINATION SYSTEM Technical Area The invention allows all users who have multiple Individual Retirement Savings Contracts (BES) to... Securely gather information on government contributions from insurance companies on a single platform. with a state contribution determination system that collects and visualizes limit gaps It is related. The invention is particularly useful for governments in consolidating distributed data structures into a centralized system. State contribution determination system that ensures accurate and aggregate calculation of the contribution. It is related to the system. State of the Art Today, users participating in the Private Pension System (BES) benefit from government contributions and BES-related payments. Information about their savings can only be accessed through individual portals offered by insurance companies or They can access it through mobile applications. Each insurance company allows its users to... They can track government contributions and private pension contribution information through their own systems. This provides opportunities. However, there are some issues in the operation of these systems and in user experience. There are significant shortcomings: 1. Portals Dedicated to Insurance Companies: Each insurance company will have a portal exclusively for its own customers. It provides information on government contributions and contribution payments. Users can have multiple insurance companies. If a private pension plan contract exists, not all information can be viewed in a single portal. This means... allowing users to transact across multiple platforms and log in frequently This requires users to make a deposit in order to benefit from the maximum government contribution. A platform will be provided that calculates the required limit amount and allows you to view the limit from a single screen. when they pay off their gaps and existing outstanding dues, the government will receive the funds for the remainder of the year. Maximizing the benefit from government contributions by estimating their impact. They will be able to submit payment requests. 2. Data Access and Computing Limitations: Users have limitations regarding private pension plans across all insurance companies. It cannot perform a collective calculation regarding their accounts. For example, how much do users owe to the state? only the insurance company knows that it received a contribution and what percentage of that contribution it is entitled to. 2 Companies learn this through their own calculations. However, this information is scattered across different platforms. Because of its current state, an integrated calculation and analysis cannot be performed. 3. Security Algorithms: In current practices, insurance companies' data security... While standard safety measures are taken to ensure compliance, different companies have different practices. It can use encryption and security algorithms. This also provides security for user data. This can create inconsistencies. Also, users might want to use the same Turkish National Identity Number (TCKN) on different platforms. Repeated use of login credentials can increase the risk of security vulnerabilities. 4. User Experience (UX): Users log in to each insurance company separately, and each The platform requires learning its own interface and user experience. This also... This causes the user to waste time and have a complicated experience. The shortcomings of the current algorithms are listed below: 1. Lack of Data Integration: The integration of private pension accounts belonging to different insurance companies and the government... The inability to combine contributions, a general overview of government contributions for users. This makes it difficult to obtain information. Because all the information cannot be gathered on a single platform, Users both waste time and have difficulty accessing up-to-date information. 2. Decentralized Data Processing: Each insurance company has its own database of users. Because it processes the information separately, the user's government contribution is decentralized. Processing it in this way creates a major problem. This situation means that users have to pay all their contributions and It prevents them from seeing all the government contribution information in one place. 3. Comprehensive Security Deficiencies: Data security in current applications is based on basic encryption. while protected by algorithms, the use of the same credentials across multiple platforms This increases the risk of data leakage or identity theft in current systems. The lack of standardization in security algorithms further increases this risk. The technical problems that arise as a result of these shortcomings are as follows: 1. Distributed Data Structure: Users have private pension contracts with multiple insurance companies. If it has all the data, it cannot access it from a single platform. This means the data is centrally located. inability to combine and users' calculations of government contributions as a whole This leads to the problem of blindness. 2. Inability to Consider All Contracts in State Contribution Calculations: If users have different private pension accounts with different insurance companies, the full government contribution will be received. 3 It is difficult to see how this is calculated. There is no aggregate calculation method. Therefore, the user may exceed the government contribution limits or make a decision with incomplete information. Year Furthermore, the absence of an estimated government contribution account for the consumer makes a decision. make it difficult 3. Security Risk: Each insurance company uses its own security methods, which... This results in a lack of a standard security protocol. Users use different platforms. Using the same login credentials to log in again carries a high risk of creating a security vulnerability. Using the same login credentials repeatedly makes data breaches more likely. 4. Loss of Time and User Experience: Users experience differences with each insurance company. By logging into their systems, they can track information regarding government contributions and private pension payments. It is a time-consuming and complex process. This negatively impacts user experience and It reduces efficiency. Application number TR2018 / 00945 concerns smart investment decisions in the individual retirement system. It is related to the system that enables the purchase. However, the application may include more than one Individual Retirement Account. Users with a Private Pension System (BES) receive government contributions from all insurance companies. Collecting information securely on a single platform and determining government contributions. It is not being implemented. In conclusion, due to the negative aspects described above and the current solutions being the subject of discussion... Due to its shortcomings, an improvement is needed in the relevant technical field. It has been made. Purpose of the Invention The invention was created by drawing inspiration from existing situations and overcoming the aforementioned drawbacks. It aims to solve the problem. The invention allows users to log in with their Turkish Republic Identity Number (TCKN) and access all insurance policies. Information on private pension accounts and government contributions in companies, and maximizing government contributions. The amount that needs to be deposited to be able to do so, and the limit gaps are all securely available on a single platform. It enables the display of distributed data structures in this way. The solution described in the invention allows for the display of distributed data structures. centralized system for the accurate and collective distribution of state contributions Specialized and designed to ensure accurate calculations and a high level of data security. It uses algorithms and technologies. 4 The invention utilizes data integrated into a single platform. Users can access different... Information on private pension contracts and government contributions in insurance companies is collected in a central database. It is unified on the platform. This eliminates scattered data structures and allows the user to have all It allows access to private pension information from a single location. Through the invention's data integration algorithm, private pension funds can be integrated from each insurance company's system. It collects data and government contribution payments, then uses this data to process the user's Turkish National Identity Number (TCKN). It shows them by combining them on a base basis. In this invention, data from insurance companies is updated in real time. Data integration algorithm applied to insurance companies' databases. It provides real-time updates by connecting through the programming interface. This ensures that all government contribution and payment information for users is always up-to-date. In this invention, data from all insurance companies is processed collectively. The user... All data related to private pension contracts and contributions paid are collected in a single location. This data accumulation enables the collective and accurate calculation of government contributions. The invention incorporates a module for calculating collective government contributions, including individual contributions from each insurance company. It collects private pension data and calculates the total government contribution the user is entitled to for that year. If the user exceeds the government contribution limit, this excess contribution will be carried over to subsequent years. It is calculated and displayed in a way that allows it to be transferred. The invention informs the user how much government contribution they are entitled to each year, and which... how much contribution came from the contract and how close it is to the state contribution limit It shows. The invention assumes that the consumer has multiple private pension plans and makes regular payments to each of them. In this case, when you want to make a lump sum payment at the specified time, the current payment the lump sum payment needed to maximize state contribution through its plans The number is calculated. The invention utilizes a robust system to protect sensitive user data such as national identity number, payment information, and government contribution information. It is protected by encryption algorithms. Data is transmitted from the user to the system and is insured. Data is encrypted end-to-end during transfer from the companies to the system. The data encryption algorithm used in the invention protects all data streams and user information. It provides security by encrypting data. Data protection ensures that only authorized users have access to information. It allows access. Furthermore, this encryption technique is also used for authentication processes. It is used. The invention aims to enhance user account security by using two-factor authentication during login. Verification is applied. Users logging in with their Turkish National Identity Number (TCKN) will be verified via SMS or mobile application. They verify their identity with a verification code they receive. The verification system used in the invention ensures the security of users who log in with their Turkish National Identity Number (TCKN). To ensure this, it offers a second verification step in each session. This step verifies the account. It enhances security and prevents unauthorized access. In the invention, the user's private pension and government contribution data from insurance companies are integrated into the system. It is analyzed using advanced data processing algorithms. As a result of this analysis, the user is provided with information for that year. the amount of government contribution received, the amount of contribution to be received in the future, and whether the contribution limit has been reached. Information is provided about it. The invention's data analysis and forecasting module allows the user to analyze past years' private pension payments and how much government subsidy you can receive in the future based on your government subsidy performance It provides predictions. It offers the user the opportunity to optimize their payment strategies. In the invention, the AI-powered analysis module learns user behavior and the government It provides suggestions for how to best optimize its contribution. The invention allows users to consolidate all government contribution and private pension information from different insurance companies into a single system. Displays images through an interface. This improves user experience and saves time. It disappears. In this invention, all information is presented to the user through a simple and understandable interface. The user, Users can view their government contributions and private pension contracts collectively on a single screen. The invention is designed to work on both mobile devices and web browsers. It has been improved. Users can easily log in to the system from anywhere and access all They can access the data. The invention processes user requests instantly and provides real-time data from insurance companies. It provides access in a timely manner. 6 The invention is optimized for processing large amounts of data quickly and efficiently. This ensures instant access to users' data and allows processing without delay. It is done. Detailed Description of the Invention In this detailed explanation, the preferred state contribution determination system for the invention is described. Their structures are explained solely to facilitate a better understanding of the subject. The invention is generally for users who have more than one individual retirement plan contract. It is a system for determining government contributions, and individual retirement plans received from insurance companies. contract and server that collects and processes user identity data, data on the server The database, which stores data by encrypting it using an encryption algorithm, is located within the server. The field, by running the data processing module, uses the state contribution calculation algorithm. The control unit that processes data within the database and calculates the government contribution. Identity that implements two-factor authentication to enhance user security. It includes a verification system. The server is the central point for all data processing and integration operations. The server is the insurance provider. The control unit collects, processes, and ensures data security of BES data from companies. It manages server-side operations via a government contribution calculation algorithm, data It coordinates processing and calculations. The communications unit, insurance companies, and the system. It enables data flow between them. Through application programming interface (API) integration. It enables real-time data transfer and the centralized consolidation of private pension accounts. We securely store private pension information and government contribution accounts received from insurance companies. It is stored in the database in this way. In addition, user information (Turkish National Identity Number) is also encrypted. It is stored in this way. The encryption unit uses AES-256 to ensure data security. It uses an encryption algorithm. This ensures the confidentiality of data during input and output. is provided. The user interface allows the user to log in to the system with their Turkish National Identity Number (TCKN) and access all their private pension information. It is a user-friendly interface that can be viewed. The authentication system, user It uses a two-factor authentication (2FA) system to enhance security. Login with Turkish National Identity Number (TCKN). Once completed, verification will be done via SMS or the app. 7 The data processing module processes incoming private pension data and calculates the government contribution. It accurately calculates and presents the contribution limit and total contribution to the user. Working principle of the system subject to the invention  Login via the User Interface: The user logs into the system using their Turkish National Identity Number (TCKN). At this stage, 2FA (True Authentication System) is used for identity verification.  The server becomes active after the Turkish National Identity Number (TCKN) is verified: The server activates after the user's TCKN is verified. It begins securely processing the Turkish National Identity Number (TCKN) and BES information.  Application programming interface (API) integration with insurance companies Data is collected: The user's private pension information from all insurance companies is collected via API. It is transferred to the server and saved in the database.  The data processing unit activates and all collected BES data is encrypted using AES-256 encryption. This is secured using an algorithm. At this stage, the encrypted database... Secure data writing is performed.  The control unit on the server activates the data processing module, accessing all user data. It collects BES data. The government contribution is calculated and the total contribution amount is determined. It is analyzed according to its limits.  All information regarding the user's total private pension payments, contributions, and government contributions. It is displayed on the user interface.  Authentication and encryption systems remain continuously active and the user The data is protected. The user interface allows for secure viewing of the data. provides. In this invention, a sample web service query for obtaining government grants is given below; Two different types of queries can be made under this service to determine eligibility.  Termination action query based on the relevant action date of the submitted contract.  Query based on the query date or a later date. 8 According to the provisions of the Regulation on State Contribution in the Individual Pension System, the right on the date the last sell order for fund shares was given in transactions related to earnings The query result should be considered based on the required submission deadline. Future inquiry allows companies to anticipate information requests that may come from participants. to meet the needs and to resolve potential data errors and inconsistencies within the specified timeframe. It is an additional query created to enable their resolution. Termination movement It is not possible to make a future-dated inquiry for a contract that has already been submitted. Input Data Parameter Description Type Length Required p_sozlemeno Contract string 12 Yes Number p_certificano Certificate Number string 12 Yes p_hesaptar Relevant Account Date string 10 No (If empty, the system (historical date will be taken as the basis) Output Data Parameter Description Type Length Possible Values Error Code string 1 0: Error-free query 1: Company that matches the IP address Not found. 3: Entered account date DD.MM.YYYY It doesn't conform to the format. 4: Contract in accordance with company information. Not found. 5-9: Unexpected errors Error string 500 error code if the value is different from 0 The explanation includes a description of the error. XML XML XML According to the relevant account date entered. calculated entitlement rates It includes the specified XML. 9 Error Codes and Explanations to be Generated During the Query Contracts for which the entitlement rate can be calculated are assigned the code “0”. Contracts that receive the code “0” The winning percentages for the contracts will be given as 0%, 15%, 35% and 60%. The contracts will also include information on the number of fund shares in the state contribution account. Code Description 1. No contract record found. Query results for contracts where the contract or participant cannot be identified. It does not produce anything and the following codes are given. 2. No participants were found for the contract. Query results for contracts where the contract or participant cannot be identified. It does not produce anything and the following codes are given. 3. Contracts that are not in effect and for which the entitlement rate cannot be calculated. agreement The individual retirement account is closed as a result of the termination, effective action. The query will not produce results for contracts that do not exist, and the following code will be returned. 4. No termination movement found. Future date not dependent on termination date. An inquiry can be made. For a contract for which the termination order has not been sent, only a future date is possible. Inquiries can be made. However, the information that needs to be confirmed during the separation process is: termination date (the date the last sell order for fund shares was issued) It should be noted that the result of the query will be based on (date). Termination movement To enable querying based on date, the account date field must be left blank. is necessary. Repeated termination signal submission Query rights for contracts that have had termination requests sent multiple times. It will not give a win rate. 6. For future calculations, the calculation date must be today or later. For future calculations, the date entered in the calculation date field is either the query date or... It must be greater than the query date. The date of the query must be entered into the account date field. If any date is entered, including the current date, it will be displayed as "future date". An "inquiry" will have been conducted. 7. No future-dated query can be made for the contract sent after the termination action. A future-dated inquiry for a contract for which a termination action has been submitted. That is not possible. 8. Contract-based retirement income plan for which the vesting rate will not be calculated. When an inquiry is made for a contract included in a retirement income plan, 8 Error code number will be generated. 9. Contract-employer groups for which the entitlement rate will not be calculated. retirement contract Error number 9 when querying employer group pension contracts. The code will be generated. The updated government contribution start date is with the Pension Supervision Center (EGM). The start date of the government contribution calculated by [the relevant authority] is inconsistent. State contribution start date calculated by EGM and the relevant company. communicated by “94-State contribution start date update movement” In case of discrepancy in the start date, the eligibility rate It will not be possible to give it. 11. Contract / data error that will prevent the calculation of the entitlement rate. Errors in the data regarding the determination of the start date of the government contribution. For contracts where inconsistencies are detected, the query will generate code number 11. 12. State protection commencement date in contracts that entered into force before 2016. Update activity not found. Laws that came into force before 01.01.2016 and are still in effect as of 01.01.2016. However, the 94-state contribution start date update movement For contracts that were not sent, the query will return error code 12. 13 Repeated DK start date update movement Contracts with multiple 94-minute start date update transactions The query will return the following error code. 14. The start date of the DK in the old company was updated with the start date in the ABT object. Historical discrepancy - effective before 2016 / transferred after 2016 contracts In contracts that entered into force before 2016 and were transferred after 2016, The government contribution to the company with which the contract was held was updated at the beginning of 2016. The start date is determined by the pension company where the contract is held at the time of inquiry. If it is determined that the ABT object was not transferred correctly, then 14 Warning code number will be generated. However, for the relevant contract, if any. The calculated eligibility rate will also be communicated. 11 The updated government contribution start date in the ABT object at the old company. Start date discrepancy - effective / transferred after 2016 contracts In contracts that entered into force and were transferred after 2016, the effective date of the contract... The state in the ABT object sent by the company being queried with its date. Query 15 warning code for contracts with inconsistent contribution start dates. will generate. However, the vesting rights calculated for the relevant contract, if any, will also be affected. The rate will also be communicated. 16. Errors occurring in the transmission chain. For contracts where errors or inconsistencies are detected in the data related to the transfer: The query will generate an alert code and the calculated eligibility rate will also be transmitted. The rate will be communicated. 17 participants who have a chance of retiring within 2 months. Retirement eligibility inquiry must be made within 2 months from the date of the inquiry. The following warning applies to contract participants who appear to be eligible for retirement: The message will be given. However, the calculated right for the relevant contract, if any, will be given. The winning percentage will also be provided. 18. Contracts involving account consolidation due to retirement. Eligibility for contracts that have undergone account consolidation due to retirement. The retirement entitlement inquiry should be used, not the rate inquiry. The Relationship Between Retirement Entitlement Inquiry and Entitlement Rate Inquiry Retirement entitlement inquiry and entitlement rate inquiry, different parameters They are presented as two different queries because they include controls. However, Participants who are likely to become eligible for retirement within two months according to the eligibility inquiry. A reminder message serving as a warning is included. The inquiry regarding whether the participant has earned the right to retirement can be made via the EGM website. This must be done through the provided inquiry screen. Eligibility Using the retirement entitlement inquiry before the inquiry protects the participant's rights. It is important in terms of protection. The entitlement rate inquiry is an inquiry regarding whether or not the right to retirement has been earned. 100% is only possible if the retirement right is exercised because of not doing so. It will not yield a qualifying result at that rate under any circumstances. 12 Codes to be returned as a result of the query. Code Description A qualifying rate of 0 can be given. 1. No contract record found. 2. No participants were found for the contract. 3. Contracts that are not in effect and for which the entitlement rate cannot be calculated. agreement 4. No termination action found_ a future query can be performed. Repeated termination movement 6. For future calculations, the calculation date must be today or later. 7. No future-dated query can be made for the contract sent after the termination action. 8. Contract-based retirement income plan for which the vesting rate will not be calculated. 9. Contracts for employer group retirement plans where the entitlement rate will not be calculated. contract Updated state contribution start date and state contribution calculated by EGM. contribution start date inconsistent 11. Contract / data error that will prevent the calculation of the entitlement rate. 12. State contribution start date for contracts that entered into force before 2016. Update activity not found. 13. The action of not updating the start date of the duplicate state contribution. 16. Errors occurring in the transmission chain. 17 participants who have a chance of retiring within 2 months. 18. Contracts involving account consolidation due to retirement. For transfers after 2016 14 (For contracts that entered into force before 2016 / transferred after 2016) Old updated government contribution start date in the company and in the ABT object start date mismatch (For contracts that entered into force and were transferred after 2016) Effective date and ABT The start date in the object is mismatched. Data Error / Inconsistency Error Code Received Contracts 13 Contracts with data errors / inconsistencies in the transmission chain (as determined by the EGM) Data errors / inconsistencies were reported in the tests, or data errors occurred later. For contracts that receive the "contracts" error code, the query should also include details of the error. and the contract's transfer chain will also be included. Code Description 1. Previous Company-Contract-Certificate information is unavailable. 2. In his previous company, for ABT transaction type (1, 5, 7, 10) in SOZ object (18, 30, 64, 38, It must be one of the movements (60 and 65). 3. Not the same participant as the previous Company-Contract-Certificate participant. 4. Records where the previous Company-Contract-Certificate is the same. The previous Agreement / Certificate is no longer in effect. For 7 ABT transaction types (1,4,5,10,11,14,15) in the HES object At least one of the following movements (13, 40, 97, 42, 75, 91, 93, 77, 86) must be present. The HES object must contain a transaction type that matches the ABT transaction type. ABT -> HES (2- >14.3->13.3->56) The same registration codes transmitted with different customer numbers in the 13-fold data. The same registration codes were transmitted with different customer numbers in the previous company in the 14-fold data. Repeated enforcement action in the previous contract 17. Contract type / plan number could not be determined on the transfer date. 18. The previous contract type / plan number could not be determined at the time of transfer. 91. Incompatibility between the type of movement and the previous contract type (for contracts with IGES). or an indefinite type of contract 92 [From retirement income plan to savings contract or savings plan] record containing transfer from contract to retirement income plan

Claims

1. Government contribution for users with multiple individual retirement savings contracts. It is an identification system, its characteristic is;  Individual retirement plan contracts and user IDs from insurance companies The server that collects and processes the data,  storing data on the server by encrypting it using an encryption algorithm database  By running the data processing module located within the server, the government contribution The government processes data within the database through a calculation algorithm. The control unit that performs the contribution calculation,  implementing two-factor authentication to enhance user security It includes an authentication system.