DIGITAL BANKING INTEGRATION SYSTEM AND METHOD FOR TRACKING, TRANSFERRING AND MANAGING PHYSICAL CHEQUES
Patent Information
- Application Number
- TR202614874
- Authority / Receiving Office
- TR · TR
- Patent Type
- Applications
- Current Assignee / Owner
- Filing Date
- 2026-08-31
- Publication Date
- 2026-09-21
Abstract
Description
DIGITAL BANKING FOR TRACKING, TRANSFERRING, AND MANAGING PHYSICAL CHEQUES. INTEGRATION SYSTEM AND METHOD TECHNICAL FIELD This invention specifically addresses the physical aspects of checks and checkbooks used in banking and finance systems. a hardware system that will allow digital records in the banking system to work simultaneously and in an integrated manner It relates to a system that enables the transfer of physical drawings to a digital environment. The invention is based on Near Field Communication (NFC). Verification via NFC or similar contactless technologies, from the issuance of the check to collection. The turnover and transfer process, up until its completion, is carried out electronically between banks. with a digital check system and method that makes it traceable and controllable It is related. STATE OF THE ART Today, a significant portion of banking and payment systems have moved to the digital environment. Despite this, the use of checks is still largely based on paper-based physical documents. This is being carried out in a way that brings with it many technical and functional problems. One of the biggest problems with the current technology is that paper checks can be issued to multiple individuals or companies. due to changing hands, physical wear and tear, tearing and deformation Paper material is easily affected by external factors such as water, humidity, and fire, causing shrinkage. This can render it unusable or make the writing on it illegible. Another critical problem in current practices is the violation of commercial privacy. The turnovers made... (Transfer transactions) are physically engraved on the back of the check with a ballpoint pen or stamp, The final recipients of the check must provide the trade name, signature, and details of all previous endorsers. Account information is clearly visible. This situation affects the commercial customer chain between the parties. This leads to it being learned by competitors or third parties. Furthermore, the drawer of the check is responsible for the immediate financial risk that the bank anticipates for them. It is able to write an amount above the legal limit on physical paper. Such as forged, counterfeit or erroneous signatures. Irregularities can occur; the bank needs to know who has the check at the moment it physically changes hands (which 2 (pregnant) and unable to track where it is located. Lost or stolen. In these cases, the check cancellation process is slow and legally quite arduous. THE PURPOSE OF THE INVENTION The present invention aims to eliminate the aforementioned disadvantages and introduce new technologies to the relevant technical field. a combination of physical check hardware and digital banking infrastructure, developed to bring advantages. It is a system and method that operates in a hybrid (mixed) manner. This invention specifically addresses the physical aspects of checks and checkbooks used in banking and finance systems. a hardware system that will allow digital records in the banking system to work simultaneously and in an integrated manner It relates to a system that enables the transfer of physical drawings to a digital environment. The invention is based on Near Field Communication (NFC). Verification via NFC or similar contactless technologies, from the issuance of the check to collection. The turnover and transfer process, up until its completion, is carried out electronically between banks. with a digital check system and method that makes it traceable and controllable It is related. The primary purpose of the invention is to create a durable metal, suitable plastic, or similar material, unlike paper checks. using durable physical hardware made from materials resistant to water, moisture, heat and wear. The goal is to provide high protection against [the virus]. Another important aim of the invention is to limit the physical print information on the check (only) leave bank information, ID number, etc. and complete all turnover (transfer) transactions digitally on the system. The purpose of this is to protect commercial confidentiality. The holder receiving the check only has one right to receive it. You will be able to see the previous issuer and the first issuer, through the intermediary chain of banks. It will be hidden. Another purpose of the invention is to ensure the security of the customer in the processes of issuing and transferring checks. via digital confirmation (password, biometric verification, etc.) through the mobile / internet banking interface By having it done, the need for a physical signature is eliminated and the risk of forgery (signature imitation) is reduced to zero. It is to download. Another innovation offered by the invention is that the bank can adjust the withdrawal amount according to the customer's immediate financial risk situation. This involves implementing dynamic limit and control measures on a per-bank basis. Thus, bank approval... An amount that carries the risk of a fraudulent transaction cannot be defined on a check without providing the necessary funds. 3 Another purpose of the invention is to provide a digital record of the check in cases such as loss or theft. by deactivating it within seconds, its use and transfer are immediately prevented. to provide. FIGURES THAT WILL HELP UNDERSTAND THE INVENTION The structural and characteristic features and all the advantages of the invention are given in the figures below and in relation to these figures. The detailed explanation, which includes references, will make it clearer. Figure 1: Block diagram of the system developed for the digital management and tracking of physical checks, which is the subject of the invention. It is a diagram. Figure 2: Identification, transfer, collection, and reporting of lost / stolen physical checks within the system, which is the subject of the invention. It is a flowchart showing the steps involved in the process and management method. REFERENCE NUMBERS The following reference numbers are used to legally define the system architecture: Used: 10. Physical Check (Hardware) 11. Unique Serial / Identification Number 12. Contactless Identification Component (NFC or similar) 13. Physical Location / Tracking Component (Optional) 20. User Interface (Mobile / Internet Banking) 30. Digital Check Module (Bank Server Infrastructure) 31. Customer Identity and Authorization Verification System 32. Holder / Receiver Identification System 33. Check Transfer Registration System 34. Check Limit and Risk Control System 35. Check Status Management / Usage Blocking System 36. Transaction History and Bank Monitoring System 37. Privacy and Viewing Authorization System 38. Collection and Payment Verification System 4 DETAILED DESCRIPTION OF THE INVENTION This invention specifically addresses the physical aspects of checks and checkbooks used in banking and finance systems. a hardware system that will allow digital records in the banking system to work simultaneously and in an integrated manner It is related to a system that enables its transfer to the digital environment. The invention involves combining a physical check with Near Field Communication (NFC) or similar contactless technologies. verification, the endorsement and transfer process from the issuance of the check to its collection making it possible to monitor and control the process by conducting it electronically between banks. It relates to a digital check system and method that provides this. The invention, a digital banking integration system, is primarily made of a durable material. a physical check produced by hardware (10) and synchronized with this check to the banking system It includes an integrated digital check module (30). The physical check (10) is the carrier element of the invention that enters circulation in the field. Instead of traditional paper, metal, suitable rigid plastic or similar materials resistant to environmental factors (water, tearing, It is made from a fire-resistant material. On the physical check (10), a unique one is assigned to each check and constitutes the identity of the invention. The serial / identification number (11) is printed or engraved. The main element of the physical check (10) is the contactless identification component (12) embedded in it. It creates. This component is preferably an NFC (Near Field Communication) chip, RFID, or equivalent technology. This The component is for the physical check (10) to interact with mobile devices and connect to the digital system. It acts as a bridge. Optionally, in order to be able to instantly track the geographical location of the physical check (10). A physical location / tracking component (13) can be integrated into it. User-side interaction with the system is via a mobile application, web interface, or equivalent. This happens through the user interface (20) in the format. User interface (20) is bi-directionally encrypted with the digital check module (30) which is banking infrastructure. It exchanges data. 5 Digital check module (30) is a server-based subsystem that enables the operation of the invention. It is separated. The system works in the following steps: A physical check with NFC integration (10) is generated by the bank and linked to the customer's account and will be delivered. The first customer (drawer) who wishes to use the check, transfers the physical check (10) to his / her smartphone. Bringing it closer activates the contactless identification component (12). This contact sends a signal to the digital check module (30) via the user interface (20). First Customer identity and authorization verification system (31) is activated, and the person who scans the check It verifies whether you are the actual account holder using biometric data or passwords. When the verification is successful, the first customer (issuer) sends the receiver through the user interface (20). The holder enters information including amount, maturity date, and currency. At this stage, check limit and risk control, which are among the most important security elements of the invention, come into play. system (34) is activated. This system assesses the drawer's immediate financial creditworthiness, account balance, or defined criteria. It analyzes collateral in seconds. If the amount written is within the risk limits set by the bank, the transaction will be approved; suitable. Otherwise, the system will reject the check issued for that amount. With the approved transaction, the holder / receiver identification system (32) is activated and the ownership of the check is determined. It is transferred to the second customer (buyer) in the digital environment. After this stage, the physical check (10) is manually issued as a hardware token (key). It is then handed over to the second customer in person. The second customer endorses (transfers) the check to a third party in exchange for a commercial payment. When he wants, he scans the physical check (10) on his smart device. Check transfer registration system (33) detects the signal from the device. New recipient (third customer) information The digital turnover process is completed by entering the required information. 6 This process can be repeated for an unlimited number of cycles without the worry of running out of paper, and each cycle is a process. The history and bank tracking system (36) are recorded in encrypted form. The bank records the check from the first issue of the check. It can track its entire route up to its final destination. During these development processes, privacy and viewing, which are distinctive features of the invention, The authorization system (37) plays an active role. No endorsement, title or signature information is written on the physical check (10). On the digital interface, however, For example, the fourth customer receiving the check only knows the original issuer (drawer) and They can see the person who referred them directly (the third-party customer). Commercial information of other intermediaries (second customers etc.) is kept confidential by the privacy system (37) It is veiled. When the due date arrives and collection is desired, the last holder physical check (10) is sent to the bank or present it to a suitable collection point. Collection and payment verification system (38), contactless on the physical check (10) presented. It matches the identification component (12) with the "last right holder" record in the digital module. Payment will only be processed if the identity of the person presenting the check matches the last holder information in the system. is carried out. After payment, check status management (35) changes the check status to "collected / closed". updates so that the physical check (10) becomes unusable (passive). If the check is stolen or lost, the user can notify directly via the interface (20). does. Check status management / usage blocking system (35), digital status of physical check (10) It instantly puts it in "passive / lost" mode. From this moment on, regardless of who has the physical check (10), when it is scanned into the system, the transaction will be processed. This is not allowed and the check is essentially "digitally locked". After the necessary security checks, the rightful owner will be issued a new physical check device. Digital rights are transferred to the new hardware by ensuring this. 7 In conclusion, the invention allows for the digital replacement of physical checks used in the banking system. It is a digital check system that enables the arrangement, monitoring and management of paperless checks. Made of durable material, bearing its own unique serial / identification number (11) containing at least one physical check (10), with smart integrated into the aforementioned physical check (10). By interacting with telephone or reader devices, the most effective way to connect the physical check (10) to the digital system is to connect the physical check (10) to the digital system. a small contactless identification component (12), physical check (10) contactless identification component (12) The process is initiated by scanning the data through the system, and customers are then able to enter their transaction details. a user interface (20), by communicating bi-directionally with the user interface (20); check digitally the arrangement, transfer (endorsement) between parties and management of check status a digital check module located in the banking infrastructure that controls the processes (30) It includes. The digital check module (30) mentioned contains the instantaneous information of the person issuing the check. By calculating the financial balance and risk situation, the amount of the check written is within the bank limits. who checks whether it is compliant at the time of the transaction and issues the check in case of non-compliance. It includes an electronic check limit and risk control system (34). Also located within the aforementioned digital check module (30) is the physical check (10) simultaneously with the manual delivery of the check from one customer to another. electronic transfer (endorsement) of digital property to an unlimited number of new buyers It has a check transfer record system (33) that records the checks in the environment. The invention allows the bank to track the entire transaction history end-to-end, while holding the check. The user interface (20) of the current holder can only show the person who first issued the check. (the drawer) and the previous person who directly transferred the check to him / her, enabling him / her to see both. It protects trade confidentiality by encrypting the trade names and information of other parties in the supply chain. It has a privacy and viewing authorization system (37). On the other hand, when a physical check (10) is reported lost or stolen, the digital check By instantly deactivating the digital status of the check via module (30), the physical check (10) prevents processing and transfer of the device even if it is read by other devices. Check status management and usage blocking system (35) has been established. In the system in question, the physical check (10) presented to the bank during the collection phase With the data received from the contactless identification component (12), the "last 8" on the digital check module (30) matching the "right holder" record and approving the payment when the match is successful prevents duplicate payments. a collection and payment system that locks the check status as collected to prevent its use. It has a verification system (38). The instantaneous geographical location and route of the physical check (10). to enable it to be tracked through the banking system, inside the physical check (10) It may include an integrated physical location / tracking component (13). The system described in the invention works by bringing the physical check (10) close to the user interface (20) without contact. Connecting to the system via the identification component (12), customer identity and authorization verification Verification of user login with the system (31), recipient, amount and via the user interface (20) Entering the maturity information, the entered amount is analyzed by the check limit and risk control system (34) The check is approved by the holder / receiver identification system (32) and sent digitally to the recipient. the transfer and then the physical delivery of the physical check (10) to the recipient, transaction steps has. also the physical check (10) by the holder who will perform the transaction into his own user interface (20) The approximation and identification of the digital endorsement transaction with the check transfer record system (33) were ensured. (10) Collection and payment verification of the physical check presented by the last holder on the due date Checking and matching of digital ownership by the system (38) In case of payment and check status management (35) the check status is collected It has been updated to reflect the previous version. This invention is easily applicable in the banking and finance sector. Existing... a software module to be added to banking mobile applications and banks to their customers By printing and issuing NFC-enabled metal / plastic cards instead of paper checks, it will provide payment solutions to industry. It has a structure that can be directly integrated into systems and commercial life.
Claims
1. The invention enables the digital issuance of physical checks used in the banking system. It is a digital check system that enables monitoring and management, and its feature is; - Made from a durable, non-paper material, featuring a unique serial number / identifier. at least one physical check (10) containing the number (11), - integrated into the aforementioned physical check (10) with smartphone or reader devices by interacting with the physical check (10) and linking it to the digital system, at least one contactless identification component (12), - the transaction is initiated by scanning the physical check (10) through the contactless identification component (12) and a user interface that allows customers to enter transaction details (20), - by communicating bidirectionally with the user interface (20); issuing the check digitally, the parties controlling the processes of transferring (endorsing) and managing the status of checks, It includes a digital check module (30) located within the banking infrastructure.
2. It is a digital check system in accordance with Claim 1, and its feature is that it is located within the aforementioned digital check module (30). positioned, the check issuer's immediate financial balance and risk status by calculating whether the amount written on the check is within the bank limits at the time of the transaction. a check that is audited and electronically blocked from being issued in case of irregularity It includes a limit and risk control system (34).
3. It is a digital check system in accordance with Claim 1, and its feature is that it is located within the aforementioned digital check module (30). positioned, physical check (10) manually delivered from one customer to another customer Simultaneously, the digital ownership of the check is transferred to an unlimited number of new recipients. a check endorsement registration system that records the transfer (endorsement) of a check electronically (33) is included.
4. It is a digital check system compliant with Claim 1, and its feature is that it provides end-to-end data on the bank's entire transaction history. while allowing the user interface of the current holder of the check (20) only the person who originally issued the check (the drawer) and the person to whom the check was directly transferred enabling the previous person to see the trade names of other parties in the previous transfer chain. A privacy and viewing authorization system that protects trade confidentiality by encrypting information. The system (37) includes. 10 5. It is a digital check system in accordance with Claim 1, the feature of which is; in case of loss or theft of the physical check (10). When the notification is made, the digital status of the check is instantly deactivated via the digital check module (30). by bringing it to the position, the physical check (10) can be processed even if it is read by other devices and a check status management and usage blocking system that prevents its transfer (35) It includes.
6. It is a digital check system in accordance with Claim 1, and its feature is that it is presented to the bank during the collection phase. With the data received from the contactless identification component (12) on the physical check (10), the digital check Matching the "last right holder" record on module (30) and when the match is successful To prevent duplicate usage, the check status was set to "collected" by confirming the payment. It includes a collection and payment verification system (38) that locks it down.
7. It is a digital check system in accordance with Claim 1, and its feature is; the instantaneous geographical location of the physical check (10). and to enable the route of the physical check to be tracked through the banking system (10) It includes a physical location / tracking component (13) integrated into it.
8. The invention relates to the issuance and transfer of a digital check used in the banking system. Its method and characteristic is; - Contactless identification component (12) by bringing the physical check (10) closer to the user interface (20) connecting to the system via - Verification of user login with customer identity and authorization verification system (31), - Entering the recipient, amount and due date information via the user interface (20), - the amount entered must be analyzed and approved by the check limit and risk control system (34), - Digital transfer of the check to the recipient via the holder / receiver identification system (32) and then The physical delivery of the check (10) to the recipient consists of the following steps.
9. This is the turnover and collection process step of the method in Claim 8, and its characteristic is; - the physical check (10) by the holder who will carry out the transaction into his own user interface (20) approximation and definition of digital endorsement transaction with check transfer record system (33), - Collection and payment verification of the physical check presented by the last holder on the due date (10) Checking digital ownership matching by the system (38), 11 - payment is made and check status is managed by (35) if a match is found. This includes the steps involved in updating the check status to "collected".
10. This is the lost / stolen item reporting process step related to the method in Claim 8, and its characteristic is; - The holder enters the lost / stolen notification via the user interface (20), - updating the check status to passive / lost by check status management (35), - If a physical check in passive status (10) is to be read by means of any device In this case, the system rejects the transaction and performs a digital lock, which includes the steps involved.