AUTONOMOUS FINANCIAL TRANSACTION EXECUTION SYSTEM

Abstract

This invention relates to a system (1) that enables the secure planning and execution of autonomous financial transactions by evaluating together a reliable digital identity model that allows the user to be continuously verified through different smart client devices, financial memory that represents the user’s past financial behavior and the financial goals expressed by the user.

Description

1 TARIFF AUTONOMOUS FINANCIAL TRANSACTION EXECUTION SYSTEM Technical Area This invention allows the user to continuously access different smart client devices. A trusted digital identity model that enables verification of the user's past financial memory, representing financial behavior, and user-expressed behavior Autonomous financial transactions are secured by considering financial objectives together. It is related to a system that enables planning and execution in this manner. 10 Previous Technique In current digital banking and voice assistant solutions, user intent is either... a free-form voice / textual command devoid of context or a single purchase 15 It is derived from the action. Current authentication frameworks are multimodal and It is possible to calculate an assurance / trust level through continuous verification, but the process only authorization; in the user's physical or enhanced environment a multi-step financial objective associated with the object, trust status and past financial It is unable to plan and execute autonomously, taking into account its preferences. 20 In the known state of the art, user identity verification and financial The main approaches for carrying out these processes are as follows: Document EP2976706A2 states that biometric devices and sensors are used for authentication. This data provides security for the user's data, such as images, voice recordings, and fingerprints. Continuous and multimodal measurement to determine the (insurance) level; consistency of measured current user behavior with recorded past behavior (assessment of distance to reference data); and financial transaction, online The level of assurance required for transactions such as purchasing or accessing confidential information is 30. 2 It is explained that the determination is based on the risk value. This solution is an identity. It is a verification / assurance framework; it only verifies and authorizes the transaction. Financial Memory-based planning, selection of banking capabilities, multiple alternatives agentic plan generation, autonomous execution and enhanced It does not include elements of intention derivation from a reality / holographic spatial context. 5 In AR / holographic shopping solutions, augmented objects are presented in a realistic three-dimensional way. 3D presentation, iris scanning for identity verification, pre-approved presentation for each customer at the bank. a second person to speak a recorded purchase order and use voice biometrics Verification is performed and payment is made via the defined account / card. 10 This is explained. However, this solution involves one-time verification and a single purchase. It is limited to the action; a continuously updated trust score throughout the transaction, financial Memory-based planning, multi-talent selection, and autonomous multi-step It does not involve execution. Chatbots and Agentic AI-based systems: Interpreting natural language and determining specific requirements. Although they can call up banking services, user intent is augmented / spatial. It does not derive from context; it constantly updates the level of confidence, past financial By combining preferences and the banking skills catalog, it is dynamic and autonomous. It does not offer an integrated layer that constitutes an execution plan. 20 In the solutions mentioned; the intention is conveyed through the object in the augmented reality / holographic environment. and deriving from the point of view the intent and authorization of the recorded voice command Its use as a unifying anchor, this contextual intention's sustained trust score, by evaluating together with financial memory and banking skills catalog, very 25 an integrated technique for planning and executing in a step-by-step and autonomous manner There is no architectural design. Therefore, the stated deficiencies should be addressed. A new system is needed to provide this. 3 Brief Description of the Invention The purpose of this invention is to create augmented reality (AR), mixed reality (MR), or holographic the focus of an augmented object presented to the user via a client device and / or spatial selection of the user's previously recorded voice playback in the bank 5 By considering the command together, context-anchored deriving a financial objective; this objective being achieved through multimodal data throughout the transaction. a constantly updated trust score, the user's financial memory and banking by being evaluated together with a catalog that describes their abilities, multiple the generation of an alternative financial transaction plan and the selection of the plan based on the confidence score. a system that enables autonomous execution of core banking services to accomplish. Another purpose of this invention is to allow the user to derive from the object in their augmented environment. its intention is to combine this with a level of trust, financial memory, and banking skills, 15 It creates a dynamic, multi-step financial plan and executes this plan autonomously. It is about creating a system. Detailed Description of the Invention The "Autonomous Financial Transaction" was carried out to achieve the purpose of this invention. The "Executive System" is shown in the attached figure; Figure 1. Schematic view of the system described in the invention. The parts shown in the figure are individually numbered, and the corresponding numbers correspond to these numbers. given below: 1. System 2. Electronic device 30 3. Server 4 This ensures the user is continuously verified during banking transactions. A reliable digital identity model represents the user's past financial behavior. the combined financial memory and the user's stated financial goals by evaluating and planning autonomous financial transactions securely and 5 The system that enables the execution of the invention (1); -allowing the user to access the bank transactions they will perform and during the transactions at least one electronic device (2) that enables data collection and - voice biometrics, facial recognition, iris or eye obtained from electronic devices (2) biometrics, gaze direction, behavioral biometrics, device security, location, environmental 10 Contextual data is collected during the process with the user's permission. the trust model is continuously reinforced, the user's preferred payment account, regular payment habits, investment preferences, and previous trading strategies this involves collecting information on the user's past financial behavior and preferences. 15 by analyzing the stated financial objective and developing a viable target model. transforming the financial skills that the banking system can offer to schools payment, rent payment, credit card closing, buying mutual funds, insurance renewal, Defined as a standard catalog for generating automatic payments, By evaluating all the information gathered together, the financial capabilities to be used will be determined. determining alternative course of action based on selected capabilities 20 creation, level of trust during planning, financial memory, user preferences, organizational policies, and transaction limits together the evaluation of the created transaction plan by the relevant core banking at least one server configured to enable the execution of services (3) It includes. 25 The electronic device (2) included in the system (1) which is the subject of the invention, allows the user to banking augmented reality glasses, mixed reality that allow access to systems device, holographic imaging device, smart glasses, smartphone, smart watch, smart headset, in-car system and any smart client to be developed in the future 30 It is a device in the form of an electronic device (2), which is not only a user interface, also to provide gaze tracking, iris / eye, voice and environmental sensor data. is configured. The electronic device (2) is personal with the permission of the user. to enable the acquisition of information and voice playback command data is configured. The electronic device (2) autonomously acts on the user's own. 5 to enable the display of financial transaction data that will be presented is structured. Electronic device (2), located in the known state of the art. connect to the server (3) using any remote communication protocol and to exchange data with the server (3) through this established connection It is structured. The preferred application of the invention is an electronic device (2), Exchange of data with the server (3) using a data bus in the form of the Internet 10 It is structured to accomplish this. The server (3) in the system in question (1) is located in the known state of the art. to communicate with an electronic device (2) using any communication protocol and data exchange with electronic device (2) through this established communication 15 It is configured to perform. Server (3), electronic device (2) personal information from the user who wants to perform banking transactions through this platform. Requesting input of audio data to generate information and voice playback commands, to collect relevant data and keep it on record in a matched manner. is being configured. Server (3), electronic device (2) 20 in augmented / holographic scene product, invoice, contract or real-world object presented to the user via an object in the form of, the user's gaze focus directed towards that object and / or spatial selection and pre-recorded voice recordings for use in banking transactions The execution command evaluates the data together, and these inputs are context-anchored. It is configured to derive a financial target object. Recorded voice command 25 It both expresses the user's intent and serves as an anchor providing authorization. It functions as such; thus, the intention is expressed not from the free text but directly from the augmented text. It is generated from the context. The server (3) uses voice biometrics, facial recognition, iris or eye biometrics, gaze direction, behavioral biometrics, device reliability, location, and Data in the form of environmental context is continuously collected throughout banking transactions and 30 by evaluating and selecting the action plan and as a threshold for autonomous execution 6 to enable the generation of a dynamic trust score. It is structured to perform the following tasks: The server (3) processes the user's past financial behavior and accessing data regarding preferences via an external server and this data It is configured to manage the server (3), preferred payment account, Regular payment habits, investment preferences, and previous trading strategies are all part of planning. to keep on record for reuse in the process It is configured. The server (3) is anchored to the context derived from the augmented context. to analyze the financial goal and transform it into an achievable goal model It is structured. The server (3) can offer school payment, which can be provided by the banking system. rent payment, credit card closing, mutual fund purchase, insurance renewal and automatic 10 Financial capabilities in the form of payment creation as a standard catalog It is structured to define the server (3), the financial target anchored to the connection, It will be used by evaluating confidence score and financial memory information together. It is structured to determine financial capabilities. Server (3), trust level, financial memory, user preferences, organizational policies and transaction 15 By evaluating their limitations together, alternative processes are selected based on the chosen capabilities. It is configured to create plans. Server (3), according to the confidence score The selected transaction plan is autonomously implemented in the relevant core banking services. It is configured to execute. The server (3) displays the result of the executed operation. with an audio and / or holographic / spatial interface on the electronic device (2), the relevant 20 to present it back to the user in an enhanced, anchored form. It is being structured. Industrial Application of the Invention Within the scope of the invention, the user can use augmented reality glasses, a mixed reality device, holographic imaging device, smart glasses, smartphone, smart watch, smart headphones or accesses the system via client devices such as in-vehicle systems. The system offers... towards an augmented object (product, invoice, contract, or real-world object) Focus or spatial selection defines the user's subject of action; 30 in the bank The pre-recorded voice playback command both expresses the intention and... 7 It is used as an anchor that provides authorization. Thus, intent is revealed from free text. No, it is derived directly from augmented context. Derived anchored financial target; continuously updated multimodal confidence score. (Persistent Trust), the user's financial memory, and banking 5 Suitable financial assessment will be made in conjunction with the Capability Registry. Capabilities are selected, alternative action plans are created, and the best option is chosen based on confidence level. The appropriate plan is executed autonomously. As a result of the process, an audible signal is displayed on the client device. and / or is presented back to the user via a holographic / spatial interface. Thanks to this architecture, the banking system can operate with one-time verification and a single transaction. Moving away from a limited, transaction-focused structure, trust in intent is derived from augmented context. a multi-step and autonomously operating context that integrates with a catalog of memory and abilities It is transforming into a conscious, new generation of financial management layers. Around these basic concepts, the invention is called “Autonomous Financial Transaction Execution System (1)” It is possible to develop a wide variety of applications related to this, and the invention is presented here. It cannot be limited to the examples given; it is essentially as stated in the claims.

Claims

8 REQUESTS 1. Enables continuous verification of the user during banking transactions. a reliable digital identity model, the user's past financial behavior financial memory representing and the user's stated financial goals 5 By evaluating them together, autonomous financial transactions can be carried out securely. enabling its planning and execution; -allowing the user to access and perform bank transactions. at least one electronic device (2) that enables data collection during the process and -voice biometrics obtained from electronic devices (2), face recognition, iris or 10 Eye biometrics, gaze direction, behavioral biometrics, device security, location, Data in the form of environmental context is processed with the user's permission during the processing period. by taking into account the continuous nurturing of a trust model, the user's preferred payment account, regular payment habits, investment preferences and previous 15 past financial behavior and preference information in the form of trading strategies by analyzing the financial objective stated by the user transforming the banking system into a viable target model financial skills it can offer include school fees, rent payments, credit card payments closing, buying mutual funds, renewing insurance, setting up automatic payments all collected information should be defined as a standard catalog in this form. by evaluating together and determining the financial capabilities to be used, Creating alternative action plans based on selected capabilities, trust level during planning, financial memory, user preferences, organizational policies and transaction limits should be evaluated together. the transaction plan created in the relevant core banking services 25 It must include at least one server (3) configured to enable its execution. a system characterized by (1).

2. Enhanced access that enables the user to access banking systems. reality glasses, mixed reality device, holographic display device, 30 smart glasses, smartphones, smart watches, smart headphones, in-car systems and 9 a device in the form of any smart client that will be developed in the future A system like the one in Claim 1, characterized by an electronic device (2) (1).

3. It's not just a user interface, but also includes gaze tracking, iris / eye, Electronic device 5 configured to provide sound and environmental sensor data. A system like the one in Claim 1 or 2 characterized by (2) (1).

4. Personal information and voice playback commands with the user's permission. electronic device (2) configured to enable the acquisition of data A system like any of the above characterized claims 10 (1).

5. Financial transactions that will be presented to the user autonomously. an electronic device configured to enable the display of data (2) like any of the above-mentioned claims characterized by 15 system (1).

6. Connect to the server (3) using any remote communication protocol. to establish and exchange data with the server (3) through this established connection 20 characterized by electronic device (2) configured to perform a system like any of the above-mentioned requests (1).

7. Data exchange with the server (3) using a data bus in the form of the Internet. characterized by an electronic device (2) configured to perform A system like the one in Request 6 (1). 25 8. Communicate with an electronic device (2) using any communication protocol. to establish and to send data via electronic device (2) through this established communication Characterized by the server (3) configured to carry out the transaction. a system like any of the above requests (1). 30 9. Those who wish to carry out banking transactions via electronic device (2) the user provides personal information and voice to create playback commands. requesting data input, retrieving the relevant data, and matching them with each other. characterized by the server (3) configured to keep records in this way. a system like any of the above requests (1). 5 10. In the augmented / holographic scene, the user is shown via the electronic device (2). the product offered in the form of an invoice, contract, or real-world object the object, the user's gaze directed towards that object, and / or spatial selection and pre-recorded voice messages for use in banking transactions to evaluate the execution command data together, from these inputs structured to derive a financial target object with a binding anchor in any of the above requests characterized by the server (3) such a system (1).

11. Voice biometrics, facial recognition, iris or eye biometrics, gaze direction, behavioral biometrics, device reliability, location, and environmental context data in this form is continuously collected during banking transactions by evaluating, selecting the action plan and thresholding its autonomous execution. Generating a dynamic trust score that will be used as a benchmark. 20 the above characterized by the server (3) configured to provide a system like any of the requests (1).

12. Data relating to the user's past financial behavior and preferences. 25 configured to access and manage this data via an external server. in any of the above requests characterized by the server (3) such a system (1).

13. Preferred payment account, regular payment habits, investment preferences and previous trading strategies can be reused in the planning process 30 11 characterized by the server (3) configured to keep records a system like any of the above requests (1).

14. By analyzing the context-anchored financial objective derived from augmented context. Server 5 configured to convert into an executable target model (3) like any of the above-mentioned claims characterized by system (1).

15. Banking system offers services such as school fees, rent payments, and credit card payments. Closing, purchasing mutual funds, renewing insurance, and setting up automatic payments 10 to define financial capabilities in this way as a standard catalog from the above requests characterized by the configured server (3) a system like any other (1).

16. Anchored financial goals, confidence score, and financial memory information 15 to determine the financial capabilities to be used by evaluating them together from the above requests characterized by the configured server (3) a system like any other (1).

17. Trust level, financial memory, user preferences, organization 20 Capabilities selected by considering policies and transaction limits together. a server configured to generate alternative action plans (3) like any of the above-mentioned claims characterized by system (1).

18. The transaction plan selected according to the confidence score is related to the core banking system. with server (3) configured to run autonomously in its services a system like any of the above characterized claims (1). 12 19. The result of the operation performed is announced on the electronic device (2) audibly and / or anchored to the relevant augmented object via a holographic / spatial interface. with the server (3) configured to return the form to the user a system like any of the above characterized claims (1). 5 15 25