A Digital Guardianship Assignment and Digital Transaction Pre-Review System

Abstract

This invention relates to a system (1) that enables the monitoring and securing of digital transactions of individuals with limited digital literacy, particularly sensitive actions such as financial transactions, subscriptions, and data sharing.

Description

1 TARIFF ASSIGNING A DIGITAL PROTECTOR AND PREPARING A DIGITAL TRANSACTION REVIEW SYSTEM Technical Area This invention enables individuals with limited digital literacy to conduct their digital transactions. ensuring that transactions are monitored and secured, especially financial transactions, Subscriptions enable the monitoring of sensitive actions such as data sharing. It is related to the system. Previous Technique In the current state of the art, inventions with similar concepts generally involve processes. The focus is on confirmation, and confirmation is again being given to the same person, message 15 or verification methods such as biometric authentication are applied. In addition The current technology includes provisions regarding third-party approval / supervision. It does so. However, for the purpose of informing users. Information is provided after the actions they have taken. During or after a process takes place under the known state of the art, notification to parties other than the person carrying out the transaction sending and verifying the identities and intentions of these parties providing a centralized authorization system to approve user transactions. Various solutions have been found that enable the system to be used. 25 However, in the current state of technology, they are inexperienced in digital transactions. This allows individuals to be protected through a digital guardian they trust, 2 An important safety feature for the elderly, children, or individuals who are not technologically proficient. enabling the use of the layer, the process content is processed using artificial intelligence or manually. the process will be reviewed in accordance with the rules, a risk analysis will be conducted, and the transaction will be carried out according to the results of the analysis. No solution has been found that would allow the matter to be referred to a guardian. U.S. patent number US2016125412A1, which is included in the known state of the art. in the document, to prevent identity theft and increase security in systems A system aimed at preventing identity theft is being discussed. The invention aims to prevent and combat identity theft. It provides a method and system for increasing security in systems. Some Example applications, 10 for a defined real user located in a remote location. the entry of a request to perform an electronic transaction into a computer system; authentication criteria for the defined user by the system Access to the cluster; multiple real-time identifiers related to the user and transaction. the validation parameter to be received by the system; and by the system, multiple authentication criteria and accessed user authentication 15 Comparison of parameters and consequently electronic processing This includes whether or not the completion action is authorized. Some Example applications also include the user's first personal electronic device, electronics. displaying a real-time alert regarding the transaction request and real-time 20 through the user’s first personal electronic device in question This involves requesting and receiving an authorization indicator. Brief Description of the Invention The aim of this invention is to enable individuals inexperienced in digital transactions to trust 25 by providing protection through a digital guardian, thereby ensuring that the elderly, children or an important layer of security for individuals who are not technologically proficient enabling its use, the process content is determined by artificial intelligence or manual rules. a risk analysis should be conducted by examining the situation, and based on the results of the analysis, the transaction should be entrusted to the guardian. 3 a digital guardian assignment and digital transaction pre-screening that enables its guidance It implements the system. Detailed Description of the Invention 5 The "Application of a Digital Protector and..." process was carried out to achieve the purpose of this invention. The "Digital Transaction Pre-Review System" is shown in the diagram; Figure 1. Assignment of a digital protective device and preliminary examination of a digital transaction regarding the subject of the invention. 10 This is a schematic view of the system. The parts shown in the figure are individually numbered, and the corresponding numbers correspond to these numbers. It is given below. 1. System 2. Electronic device 3. First application 4. Second application 5. Server 20 monitoring the digital transactions of individuals with limited digital literacy and ensuring their security, especially for financial transactions, subscriptions, data a digital invention that enables the monitoring of sensitive actions such as sharing. Protective assignment and digital transaction pre-examination system(1); - configured to allow the user to communicate with other people at least one electronic device (2), 4 - run on electronic device (2), user's mobile banking, social configured to enable the use of media and services in the form of email at least one first application (3), - operated on the electronic device (2), the first in the electronic device (2) to communicate with the application (3) and the user's digital interface on it 5 to ensure protective assignment and boundary setting, on which at least a digital protective identification module, process pre-inspection engine, notification and approval to run the module and the process management module, thanks to these modules the actions performed by the user within the first application (3) classification, designation of the transaction as "high risk" 10 In this case, ensuring the relevant process is sent to the digital recorder, the AI ​​within it. risk analysis based on manual rules or first application (3) To enable the evaluation of processes, analysis is performed using AI techniques. thanks to the operation performed in the first application (3) of the digital protector 15 to provide the first one in question, in accordance with the response from the digital protector. to ensure the continuation of the process within application (3) with digital protection all transactions performed are logged in the electronic device (2) and configured to enable reporting to the user when needed. It includes at least a second application (4). 20 In the system that is the subject of the invention, (1) the electronic device (2) the user with other people the first application (3) and the hardware on it that enables it to communicate The mobile phone is configured to enable the second application (4) to run, It is a smart device in the form of a tablet, computer, or wearable device. 25 The digital second application (4) located on the system (1) which is the subject of the invention with the protective identification module electronic device (2) user one or more the definition of "digital guardian" which includes too many parents, children, advisors, and lawyers It is structured to provide. The second application (4) on digital 30 with the protective identification module regarding the digital protective devices specified by the user. authorization levels for financial transactions, email attachments, and purchases. It is structured to enable this determination. The notification and approval module on the second application (4) is defined / defined as 5 Real-time notifications via push, SMS, or email to the digital protector. sending the electronic device (2) on behalf of the user of the protector to be able to approve, reject, or request clarification from the user It is structured to provide this. The second application (4) runs on at least one artificial intelligence server (5). connecting with the model, thanks to that artificial intelligence model, digital protective identification module with user's manual digital protective to enable automatic profile matching instead of definition is being configured. The second application (4) is the artificial intelligence located on the server (5) 15 communicating with the model and the relevant digital protective identification module on it by enabling the use of an artificial intelligence module, it assists the user in their financial transactions. The child, the grandchild, and other different digital guardians in social media affairs to ensure that the assignment is carried out automatically It is being structured. 20 In one arrangement of the invention, the second application (4) is cloud-based on server (5). to be operated as, cloud-based central control panel on the server (5) by enabling the user of the electronic device (2) to connect via the web 25 to enable the user to define digital guardians It is being structured. The operation on the second application (4) in one arrangement of the invention communication of the review engine with the AI ​​model running on the server (5) By establishing this, the risk analysis on behalf of the user is performed by the said artificial intelligence model 30 6 to ensure that this is done, so that instead of just controlling monetary thresholds, suspicious This also enables content analysis in the form of links, subscriptions, and spam content. It is structured accordingly. Preliminary examination of the procedure on the second application (4) in an arrangement of the invention 5 enable the engine to connect with the server (5) and on the server (5) filtering the actions that the user will perform within the first application (3) It is structured to provide this. Notification and approval on the second application (4) in an arrangement of the invention 10 Instead of SMS, use instant mobile notification as the notification channel in the module. the use of mobile alerts instead of email, when necessary enabling the use of video verification, in addition to digital protector verification. the use of authorized board approval, in addition to a fixed approval period, in a phased manner. If no response is received after a specified period according to the time approval protocol, the first 15 the (3) process in the application is delayed or the response is delayed for a certain period of time. If not transmitted, the transaction in the first application (3) will be cancelled. It is structured to provide this. The process management 20 is located on the second application (4) in one arrangement of the invention. (3) process in the first application after the decision made thanks to the module different outcomes such as completion, cancellation or temporary suspension the use of options, the prevention of the operation in the first application (3) instead, the operation related to the limited version should be continued in the first application (3), The transaction history of the first application (3) is 25 on a blockchain network It is configured to enable storage. The process management located on the second application (4) in one arrangement of the invention. By integrating voice assistants within the module, the user-defined... Obtaining voice confirmation from the digital protector, user location-based 30 7 in the first application (3) permission to perform the transaction or cancel the transaction if multiple digital protectors do not give their approval, the relevant Cancellation of the transaction in the first application (3) by the legal representative “digital To ensure the use of an AI-based advisory representative instead of a "protective" one. It is structured accordingly. 5 Industrial application of the invention In the system that is the subject of the invention, (1) the user’s electronic device (2) social media 10 At least one primary application (3) is run, which may be a bank service. In addition, the second application (4) is run inside the electronic device (2). Second Thanks to the interface in the application (4), the user can first act on behalf of himself digital protector / digital guardian who will approve the transactions related to the application (3) can make assignments. User can perform monetary transactions on the first application (3) 15 When he wants to do so, with the monetary transactions in the second application (4) A confirmation notification is sent to a pre-determined digital protector. When the guardian in question gives a positive response to the approval notification, the relevant user The monetary transaction in the first application (3) is carried out in its name. The application scenarios of the system (1) may be as follows: Elderly individual transfers large sums of money via online banking. attempting to: The system (1) detects the amount exceeding the transaction limit. 25 It sends a notification to the defined digital protector. The transfer will proceed if the protector approves; otherwise, it will be blocked. A child making their first in-app purchase (3): Second Application (4) perceives this operation as risky. The consent form is sent to the digital guardian who is the parent. 30 8 Digital contract / subscription acceptance: If a user approves a membership, the accountant is notified. With the system (1) which is the subject of the invention, individuals who are inexperienced in digital transactions can protection through a digital guardian they trust, thus ensuring the safety of the elderly and children. or an important layer of security for individuals who are not technologically proficient This involves examining the transaction content using artificial intelligence or manual rules to assess risk. 10. Analysis should be conducted and, based on the analysis results, the process should be referred to the guardian. is provided. The system in question (1) is within the scope of the Personal Data Protection Law (KVKK). It operates. The subject of the invention is a system for assigning digital protective equipment and pre-examining digital transactions (1) It is possible to develop a wide variety of applications of the invention described herein. It cannot be limited to examples; it is essentially as stated in the requests.

Claims

9 REQUESTS 1. Digital transactions of individuals with limited digital literacy ensuring that transactions are monitored and secured, especially financial transactions, 5 - configured to allow the user to communicate with other people containing at least one electronic device (2), - run on electronic device (2), user's mobile banking, social configured to enable the use of media and services in the form of email at least one first application (3) and 10 - operated on the electronic device (2), the first in the electronic device (2) to communicate with the application (3), the user’s digital interface on it to ensure protective assignment and boundary setting, on which at least a digital protective identification module, process pre-inspection engine, notification and approval running the module and the process management module, thanks to these modules 15 the actions performed by the user within the first application (3) classification, designating the transaction as "high risk" In this case, ensuring the relevant process is sent to the digital recorder, the AI ​​within it. risk analysis based on manual rules or first application (3) To enable the evaluation of processes, analysis performed using AI techniques 20 thanks to the operation performed in the first application (3) of the digital protector to approve, reject, or request clarification from the user to provide the first one in question, in accordance with the response from the digital protector. to ensure the continuation of the process within application (3) with digital protection all transactions performed are logged in the electronic device (2) and 25 configured to enable reporting to the user when needed. a digital guardian assignment characterized by at least a second application (4) and digital transaction pre-examination system(1).

2. Hardware that enables the user to communicate with other people. to enable the first application (3) and the second application (4) to run a smart device configured in the form of a mobile phone, tablet, computer, or wearable device a digital device as in Claim 1 characterized by an electronic device (2) Protective assignment and digital transaction pre-examination system (1). 5 3. Electronic device with digital protective identification module (2) the user's "digital" profile, which includes one or more guardians, children, advisors, and lawyers. The second application (4) is structured to provide the definition of "protective". Assigning a digital protector as characterized in Claim 1 or 2 and digital 10 Transaction pre-review system (1).

4. With its digital protective identification module, it allows the user to define a digital... Financial transactions related to protectors, email attachments, authorization in the form of purchases. The second application (4) is structured to enable it to determine its levels and 15 a digital like any of the above characterized claims Protective assignment and digital transaction pre-examination system (1).

5. Digital protector identified / defined by its notification and confirmation module. Sending notifications in real time via push, SMS or email, 20 In this way the protector performs the action on behalf of the electronic device (2) user. to be able to approve, reject, or request clarification from the user second application (4) characterized by being structured to provide Assigning a digital protector and digital, as in any of the above requests Transaction pre-review system (1). 25 6. Connection with at least one artificial intelligence model running in the server (5) to establish, thanks to the artificial intelligence model in question, a digital protective device on it with the identification module, instead of the user manually identifying the digital protective device. The second 30 is configured to enable automatic profile matching. 11 as in any of the above requests characterized by application (4) a digital guardian assignment and digital transaction pre-examination system (1).

7. Communicate with the artificial intelligence model on the server (5) and access the digital 5 The protective identification module should use the relevant artificial intelligence module. by enabling the user to manage their financial transactions with their child, and their social media activities with their grandchild. the automatic assignment of different digital protectors in this form second application (4) which is structured to ensure its implementation a digital like any of the above characterized claims Protective assignment and digital transaction pre-examination system (1). 10 8. To be run cloud-based on server (5), cloud on server (5) electronic device (2) user can access the central control panel based on the web. enabling the connection, allowing the user to identify digital guardians. 15 characterized by the second application (4) structured to provide Assigning a digital protector and digital, as in any of the above requests Transaction pre-review system (1).

9. The process preview engine on which it is located is artificially created by running the (5) on the server. By communicating with the intelligence model, the risk analysis in question is performed on behalf of the user. to enable it to be done by an artificial intelligence model, so that it is not just about money Instead of threshold control, content in the form of suspicious links, subscriptions, and spam content is monitored. The second application (4) is structured to enable the analysis to be carried out as well. a digital like any of the above characterized claims Protective assignment and digital transaction pre-examination system (1). 25 10. The process pre-test engine on it establishes a connection with the server (5). providing the first application (3) of the user on the server (5) The second is configured to allow filtering of the operations it will perform. 12 as in any of the above requests characterized by application (4) a digital guardian assignment and digital transaction pre-examination system (1).

11. SMS as the notification channel in the notification and confirmation module located on it.

5. Using instant mobile notifications instead, mobile alerts instead of email. to enable its use, to enable video verification when necessary, digital In addition to the protector's approval, the approval of the competent board must also be used, permanent approval. In addition to the specified time period, a phased time approval protocol will provide a response after a certain period. If not given, the (3) process in the first application will be put on hold or If no response is received within a specified period, 10 in the first application (3) with the second application (4) configured to ensure the cancellation of the transaction a digital like any of the above characterized claims Protective assignment and digital transaction pre-examination system (1).

12. Thanks to the transaction management module on it, the first 15 after the decision is made. Completion, cancellation or temporary suspension of (3) operations in the application the use of different result options in the form of the first application (3) Instead of blocking the operation, the operation related to the restricted version is implemented in the first application (3) to continue, the transaction history of the first application (3) is a blockchain network The second application (4) is configured to enable storage on 20 a digital like any of the above characterized claims Protective assignment and digital transaction pre-examination system (1).

13. Voice assistant integration within the process management module. This involves obtaining voice confirmation from the digital guardian defined by the user, 25 processing that the user will perform in the first application (3) based on location permission to be granted or the process to be canceled, approval of multiple digital protectors. If it does not give, the transaction in the first application (3) will be cancelled. AI-based consultant instead of a "digital guardian" who acts as a legal representative. The second application (4) is structured to enable the use of the representative and 30 13 a digital like any of the above characterized claims Protective assignment and digital transaction pre-examination system (1).

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