INDIVIDUAL PENSION CONTRIBUTION AND FUND RECOMMENDATION SYSTEM
Patent Information
- Application Number
- TR202612444
- Authority / Receiving Office
- TR · TR
- Patent Type
- Applications
- Current Assignee / Owner
- Filing Date
- 2026-07-24
- Publication Date
- 2026-08-21
Smart Images
Figure 00000011_0000
Abstract
Description
1 TARIFF INDIVIDUAL PENSION CONTRIBUTION AND FUND RECOMMENDATION SYSTEM Technical Area This invention allows banking customers' financial transactions and personal characteristics to be linked together. monthly individual retirement contribution rates are dynamically monitored with a system that enables the identification and recommendation of suitable investment funds It is related. Previous Technique Today, fixed rates are used to determine contribution rates to an individual retirement system. Rates or rates manually defined by the user are used. Traditional methods are insufficient for providing personalized financial recommendations to users. 15 remaining and adapting to the changing financial needs of users It is unable to provide this. In current systems, a detailed analysis of user habits is not possible. Profiling is not performed, therefore recommendations generally remain static. This In this case, new solutions are being developed to increase financial efficiency and user satisfaction. technologies are needed. 20 Therefore, considering the studies and shortcomings in the current technique... When this is the case, behavioral profiling techniques can be used for each analyzing an individual's financial habits and circumstances, providing the user with By offering unique and dynamic suggestions, personal financial goals can be achieved more effectively. 25 It appears that a system is needed to facilitate access. Chinese patent CN112017054, which is included in the known state of the art. The document discusses the fund product purchasing system. The aforementioned... The invention described in the patent document is a method and device for purchasing a fund product, 30 It provides a storage medium and electronic equipment. Fund product purchase. 2 the method, funds belonging to a mobile banking customer in the mobile banking application obtaining the data; analyzing and processing this fund data to inform the client the elimination of suitable elimination conditions for the fund products he / she previously purchased and On mobile banking, fund products are filtered according to these selection criteria. This includes intelligently recommending mobile banking services to customers. Another 5 In other words, the customer's financial status on mobile banking is the basis By taking this into consideration, a suitable fund product is intelligently recommended to the customer; in this way, the customer, the user is able to find the most suitable fund product purchasing method for themselves The experience can be improved, and fund products can be used more effectively through mobile banking. It can be sold in this way, and at the same time, the usage rate of mobile banking is 10. It can be increased. Brief Description of the Invention The purpose of this invention is to facilitate the financial transactions and personal information of banking customers. monthly individual retirement contributions are made by dynamically monitoring the characteristics. to ensure the determination of ratios and the recommendation of suitable investment funds The goal is to implement a system developed for this purpose. Another aim of this invention is to improve behavioral profiling techniques. using analysis of each individual's financial habits and circumstances This should not be done by offering dynamic, user-specific suggestions to help users achieve their personal financial goals. a system developed to ensure more effective access to accomplish. Detailed Description of the Invention The purpose of this invention is to achieve the "Individual Retirement Contribution". and the "Fund Recommendation System" is shown in the attached document; Figure 1 shows a schematic view of the system that is the subject of the invention. 3 The parts shown in the figure are individually numbered, and these numbers correspond to... The corresponding answers are given below. 1. System 5 2. Mobile Banking Application 3. Server The dynamics of banking customers' financial transactions and personal characteristics. By monitoring this, monthly individual retirement contribution rates are determined and 10 The invention was developed to enable the recommendation of suitable investment funds. system (1); - mobile banking transactions of the banking customer to perform and access individual retirement information to provide, customer-specific monthly individual retirement plans 15 To view contribution rates and investment fund recommendations at least one mobile banking application configured (2), - by analyzing all collected financial and behavioral metrics, major Processing with language models and artificial intelligence algorithms, to the user creating a specific behavioral profile, 20 obtained as a result of modeling With the profile information obtained, the user's financial goals and market monthly contribution rate and investment dynamically, taking into account the conditions. To enable the creation of fund proposals, client income / expense calculating a financial health factor based on balance and customer Using the target consistency score calculated on the basis of target 25 There are two types: the focus factor and the spending discipline factor. Calculating the statistical value, this is calculated on a customer basis. Using these factors, the recommended contribution rate for the customer; base contribution rate constant, financial health factor, goal orientation factor and obtaining fund 30 by multiplying the spending discipline factor values Allocations for stocks, currencies, and bonds: alpha, beta, gamma 4 determined according to their risk profiles in the form of weights, and high, Ratios determined for the risk profile factor of moderate, low calculating using, and the resulting ratios structured to identify suitable individual retirement funds according to It contains at least one server (3). 5 The invention includes a mobile banking application (2) in the system (1), banking enabling its customers to perform mobile banking transactions and individual retirement plans. to enable access to information, monthly individual plans created specifically for the customer To view retirement contribution rate and investment fund recommendations, click here. It is being structured. The server (3) in the system (1) which is the subject of the invention, processes the banking customer's transactions. and continuously monitor their interactions and collect data; monthly salary and rent, interest, Other regular income in the form of bonuses, grocery, health, education, entertainment, transportation 15 Spending categories such as bill payments, rent, and loan installments fixed expenses and seasonal expenses such as summer vacation and school term changes, deposit account balance, credit card limit and debt status, individual Retirement savings (BES) and contribution rate, in the form of funds, stocks, foreign currency, and gold. investment products, housing, vehicle, and consumer loans are among its 20 credit products. money transfers between accounts, to another bank, via Electronic Funds Transfer / wire transfer. Transfer frequency and direction, automated instructions, Social Security Institution contributions, Regular payments in the form of individual retirement contributions are made via POS (Point of Sale). Point of Sale) and virtual POS transactions and QR (Quick Response Code) or Collecting and analyzing all financial metrics, such as contactless payment history. 25 It is structured to perform the following: Server (3), fund comparison, account statement, How much time is spent on which screens, such as the individual retirement savings screen? Which of the following are currency exchange rate tracking, investment recommendations, or campaign reviews? features that are used frequently, at what times and how often logins are made, and which The practice of responding to or ignoring such notifications is 30 usage behaviors; which investment funds were examined but not purchased, which participation in campaigns, how often fund allocation is updated, and savings Decision-making regarding when the decisions to make or cancel decisions were made. spending analysis linked to mobile device location data, account activity before / during the expenditure period and a sudden increase in expenditures or Collecting and analyzing data in the form of digital behavioral cues, such as decreases. 5 It is configured to do so. The server (3) collects all financial and large language models (Large Language Models) by analyzing behavioral metrics LLM) and processing with artificial intelligence algorithms, user-specific behavioral analysis creating a profile, using the profile information obtained as a result of the modeling, dynamic 10 taking into account the user's financial goals and market conditions to enable the creation of monthly contribution rates and investment fund recommendations is configured. The server (3) is based on the customer's income / expense balance. Calculate the financial health factor (FSF) and the target calculated on a customer-by-customer basis. using the consistency score (HTS), the goal-orientation factor (HOF) and spending To calculate two statistical values in the form of the discipline factor (HDF), 15 is configured. The server (3) calculates these factors on a customer basis. using the recommended contribution rate (RCR) for the customer; base contribution rate (BCR) constant, financial health factor, goal orientation factor, and spending discipline factor It is structured to obtain the value by multiplying the values. Server (3), fund The distributions for stocks, currencies, and bonds are based on alpha, beta, and gamma weights. Risk profiles are determined according to the following categories: high, medium, and low. Calculating this using defined ratios for the profile factor (RPF) According to the rates obtained as a result of the calculations, suitable individual retirement funds It is structured to determine this. Industrial application of the invention In the system that is the subject of the invention, (1) the customer, through the mobile banking application (2) log in. In the process that starts with this operation, the mobile banking application (2), transmits the user's financial data to the server (3). The server (3) transmits the user's 30 It monitors their financial behavior in detail, collects the necessary data, and here... 6 It is processed through a detailed analysis process. Afterwards, the Big Language Model is brought into play in the process. By entering this data, it performs detailed modeling of the user's financial behavior profile. Using the modeling information obtained, a personalized behavioral profile is created for the user. This profile will be created to take daily or monthly changes into account. It is continuously updated in this way and then analyzed to improve the user's financial 5 monthly Individual Retirement System contribution rate and investment in line with their goals Funding recommendations are developed. The recommendations are presented as stories using a large language model. and the customer can access all these suggestions via the mobile banking application (2). provides. Around these fundamental concepts, the subject of the invention is "Individual Retirement Contribution and..." It is possible to develop a wide variety of applications related to the Fund Recommendation System (1)” and the invention cannot be limited to the examples described here, but mainly to the claims as stated.
Claims
7 REQUESTS 1. The financial transactions and personal characteristics of banking customers monthly individual retirement contribution rates are dynamically monitored 5 to ensure the identification and recommendation of suitable investment funds developed; - mobile banking transactions of the banking customer to perform and access individual retirement information to provide, customer-specific monthly individual retirement plans To view contribution rates and investment fund recommendations, click here. including at least one configured mobile banking application (2); - by analyzing all collected financial and behavioral metrics, major Processing with language models and artificial intelligence algorithms, to the user creating a specific behavioral profile, obtaining results from modeling With the profile information obtained, the user's financial goals and market 15 monthly contribution rate and investment dynamically, taking into account the conditions. To enable the creation of fund proposals, client income / expense calculating a financial health factor based on balance and customer using the target consistency score calculated on the basis of the target There are two 20 factors: focus factor and spending discipline factor. Calculating the statistical value, this is calculated on a customer basis. Using these factors, the recommended contribution rate for the customer; base contribution rate constant, financial health factor, goal orientation factor and obtaining the fund by multiplying the values of the spending discipline factor. distributions for stocks, currencies, and bonds; alpha, beta, gamma 25 determined according to their risk profiles in the form of weights, and high, Ratios determined for the risk profile factor of moderate, low calculating using, and the resulting ratios structured to identify suitable individual retirement funds according to A system characterized by at least one server (3) (1). 30 8 2. Enabling the banking customer to perform mobile banking transactions and enabling access to individual retirement plan information, tailored to the customer. monthly individual retirement contribution rates and investment fund recommendations created mobile banking application configured to display (2) A system like the one in Claim 1, characterized (1). 5 3. Continuously monitor the banking customer's transactions and interactions. collecting data; monthly salary and other regular payments such as rent, interest, and bonuses. income, spending on groceries, healthcare, education, entertainment, and transportation. categories such as bill payments, rent, and loan installments are fixed at 10 expenses and seasonal spending such as summer vacation and school term changes, deposit account balance, credit card limit and debt status, individual retirement savings and contribution rate, funds, stocks, foreign currency, gold Investment products in the form of housing, vehicle, and consumer loans. products, between their own accounts, another bank, Electronic Fund 15 Frequency and direction of money transfers via wire transfer / wire transfer are automated. instructions, Social Security Institution premiums, individual retirement contributions regular payments in this form, POS and virtual POS transactions and QR or To collect all financial metrics, including contactless payment history, and 20 characterized by the server (3) configured to analyze a system like any of the above requests (1).
4. Which of the following are fund comparison, account statement, and individual retirement plan screen options? how much time is spent in front of screens, currency exchange rate tracking, investment advice, Which features are frequently used in campaign reviews, which 25 hours and frequency of login, and how much response to notifications the practice of giving or ignoring their behavior; which investment funds were examined but not purchased, which participation in campaigns, how often fund allocation is updated, and The decision on when the decisions to accumulate or withdraw funds were made is 30. purchasing behaviors; spending associated with mobile device location data. 9 analysis of account activity before / during the expenditure period and sudden increases in expenditures data in the form of digital behavioral cues, such as increases or decreases. Characterized by the server (3) configured to collect and analyze. a system like any of the above-mentioned requests (1).
5. Analyzing all collected financial and behavioral metrics to determine the major language proficiency levels. processing with models and artificial intelligence algorithms, in a user-specific way. creating a behavioral profile, the profile obtained as a result of modeling. taking into account the information, the user's financial goals and market conditions By dynamically determining monthly contribution rates and investment fund recommendations, 10 characterized by the server (3) configured to enable its creation. a system like any of the above-mentioned requests (1).
6. A financial health factor based on the customer's income / expense balance. to calculate and set the customer-based target consistency score to 15 using two factors: goal-orientedness and spending discipline. server (3) configured to calculate statistical values as in any of the above characterized claims system (1).
7. Using these factors calculated on a customer-by-customer basis, make recommendations to the customer. contribution rate; base contribution rate constant, financial health factor, target This is obtained by multiplying the values of the focus factor and the spending discipline factor. the above is characterized by the server (3) configured to do so. a system like any of the requests (1). 25 8. Fund allocations for stocks, foreign exchange, and bonds: alpha, beta, gamma. determined according to risk profiles in the form of weights and categorized as high, medium, using the ratios determined for the low risk profile factor to calculate, and according to the ratios resulting from these calculations, to select the appropriate 30 Server (3) configured to determine individual retirement funds as in any of the above characterized claims system (1). 10 20 30