A system for forwarding payment and investment transactions

Abstract

The present invention relates to a system (1) for preparing a cash flow schedule for the user by calculating the total income of the user from different income items and the total possible monthly expenses from regular expense items in the form card expenses and credit / dues payments with machine learning and data mining methods and enabling the user to forward payment and investment transactions with a single click.

Description

[0001] A SYSTEM FOR FORWARDING PAYMENT AND INVESTMENT TRANSACTIONS

[0002] Technical Field

[0003] The present invention relates to a system for preparing a cash flow schedule for the user by calculating the total income of the user from different income items and the total possible monthly expenses from regular expense items in the form card expenses and credit / dues payments with machine learning and data mining methods and enabling the user to forward payment and investment transactions with a single click.

[0004] Background of the Invention

[0005] Today, customers currently monitor their income and expenses manually; after receiving their income items in the form of salary, they carry out card statement, apartment dues payments, transfer transactions for their loans in different banks, if any, on different dates; in addition, they also manually manage options in the form of fund purchases and time deposits in order to generate income through the amount they will pay in the period until they make payments / transfers. From the perspective of the user, this whole process results in a complex schedule that needs to be monitored manually every day and imposes an operational burden.

[0006] For this reason, considering the studies and deficiencies included in the current technique, it is understood that there is a need for a system for preparing a cash flow schedule for the user by calculating the total income of the user from different income items and the total possible monthly expenses from regular expense items in the form card expenses and credit / dues payments with machine learning and data mining methods and enabling the user to forward payment and investment transactions with a single click.

[0007] The Chinese patent document no. CN116579482A, an application included in the state of the art, discloses a system configured to predict the cash flow of the customer with machine learning. The invention discloses a cash flow prediction method and system based on machine learning, belongs to the technical field of knowledge maps, privacy protection and machine learning, and aims to solve the technical problem in the prior art related to association relationships between customers and date attributes. According to the technical scheme, the method specifically comprises the steps of extracting highly structured knowledge from multi-source data of a target customer, storing the highly structured knowledge into a knowledge base, constructing a loan customer relationship network and an attribute network, and introducing a data date to expand a network of credit customer relationships. The invention further comprises the steps of cleaning, merging and disambiguating knowledge in the knowledge base through a knowledge fusion technology to eliminate isomerism of knowledge, learning the low-dimensional vector representation of each entity and relationship from the financial knowledge graph, and extracting the vector representation of the target customer entity, and constructing repayment features of multiple dimensions from multi- source data of the target customer.

[0008] Summary of the Invention

[0009] An object of the present invention is to realize a system developed with the aim of preparing a cash flow schedule for the user by calculating the total income of the user from different income items and the total possible monthly expenses from regular expense items in the form card expenses and credit / dues payments with machine learning and data mining methods and enabling the user to forward payment and investment transactions with a single click. Detailed Description of the Invention

[0010] “A System for Forwarding Payment and Investment Transactions” realized to fulfil the objective of the present invention is shown in the figure attached, in which:

[0011] Figure 1 is a schematic view of the inventive system.

[0012] The components illustrated in the figure are individually numbered, where the numbers refer to the following:

[0013] 1. System

[0014] 2. Application

[0015] 3. Database

[0016] 4. Server

[0017] The inventive system (1) developed with the aim of preparing a cash flow schedule for the user by calculating the total income of the user from different income items and the total possible monthly expenses from regular expense items in the form card expenses and credit / dues payments with machine learning and data mining methods and enabling the user to forward payment and investment transactions with a single click comprises at least one application (2) which is configured to enable customers to make payments and investments; at least one database (3) which is configured to keep a record of total income from different income items and banking data in the form of card expenses and credit / dues payments; at least one server (4) which is configured to calculate the total income of the user from different income items and the total possible monthly expenses from regular expense items in the form card expenses and credit / dues payments with machine learning and data mining methods; to prepare a cash flow schedule for the user; to determine recommendations in accordance with the risk assessment questionnaire used by the user when opening an investment account in order for him / her to utilize the deposits remaining in the account in between cash flows and to enable them to be presented through the application (2); and to enable the user to carry out all payment and investment transactions for a certain period with a single click through the application (2).

[0018] The application (2) included in the inventive system (1) is configured to establish communication with the server (4) by using any communication protocol. The application (2) is configured to be run on at least one electronic device. The application (2) is configured to enable users to carry out banking transactions through an interface.

[0019] The database (3) included in the inventive system (1) is configured to establish communication with the server (4) by using any communication protocol. The database (3) is configured to keep a record of banking data belonging to customers.

[0020] The server (4) included in the inventive system (1) is configured to establish communication with the application (2) and the database (3) by using any communication protocol. The server (4) is configured to manage the database (3) with the operations in the form of registering new data in the database (3), deleting data stored in the database (3) or modifying data stored in the database (3) and updating data stored in the database (3); and to be able to access data stored in the database (3). The server (4) is configured to receive and analyze data stored in the database (3) in the form of incomes generated by the customer from different channels, the credit card expenses of the customer and outgoing money transfers. The server (4) is configured to enable the deposit remaining in the client account to be utilized between cash flows by using the prepared cash flow schedule and providing recommendations in accordance with the risk assessment questionnaire used by the client when opening an investment account. The server (4) is configured to detect the detected banking transaction routines of the customer in the form of payments or money transfers. The server (4) is configured to utilize the determined amounts in the investment options in the form of public debt instruments and deposits between the determined time periods and then to automatically perform the said transaction when the days of the detected banking transaction routines of the customer in the form of payment or money transfer arrive. The server (4) is configured to present the customer with the most suitable investment recommendations that can be made in certain periods, either long-term or short-term, according to the detected banking transaction routine, through the application (2).

[0021] Industrial Application of the Invention

[0022] In the inventive system (1), it is enabled to prepare a cash flow schedule for the user by calculating the total income of the user from different income items and the total possible monthly expenses from regular expense items in the form card expenses and credit / dues payments with machine learning and data mining methods and enable the user to forward payment and investment transactions with a single click.

[0023] Within these basic concepts; it is possible to develop various embodiments of the inventive “A System (1) for Forwarding Payment and Investment Transactions”; the invention cannot be limited to examples disclosed herein and it is essentially according to claims.

Claims

CLAIMS1. A system (1) developed with the aim of preparing a cash flow schedule for the user by calculating the total income of the user from different income items and the total possible monthly expenses from regular expense items in the form card expenses and credit / dues payments with machine learning and data mining methods and enabling the user to forward payment and investment transactions with a single click; comprising at least one application (2) which is configured to enable customers to make payments and investments; and characterized by at least one database (3) which is configured to keep a record of total income from different income items and banking data in the form of card expenses and credit / dues payments; at least one server (4) which is configured to calculate the total income of the user from different income items and the total possible monthly expenses from regular expense items in the form card expenses and credit / dues payments with machine learning and data mining methods; to prepare a cash flow schedule for the user; to determine recommendations in accordance with the risk assessment questionnaire used by the user when opening an investment account in order for him / her to utilize the deposits remaining in the account in between cash flows and to enable them to be presented through the application (2); and to enable the user to carry out all payment and investment transactions for a certain period with a single click through the application (2).

2. A system (1) according to Claim 1; characterized by the application (2) which is configured to establish communication with the server (4) by using any communication protocol.

3. A system (1) according to Claim 1 or 2; characterized by the application (2) which is configured to be run on at least one electronic device.

4. A system (1) according to any one of the preceding claims; characterized by the application (2) which is configured to enable users to carry out banking transactions through an interface.

5. A system (1) according to any one of the preceding claims; characterized by the database (3) which is configured to establish communication with the server (4) by using any communication protocol.

6. A system (1) according to any one of the preceding claims; characterized by the database (3) which is configured to keep a record of banking data belonging to customers.

7. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to establish communication with the application (2) and the database (3) by using any communication protocol.

8. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to manage the database (3) with the operations in the form of registering new data in the database (3), deleting data stored in the database (3) or modifying data stored in the database (3) and updating data stored in the database (3); and to be able to access data stored in the database (3).

9. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to receive and analyze data stored in the database (3) in the form of incomes generated by the customer from different channels, the credit card expenses of the customer and outgoing money transfers.

10. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to enable the deposit remaining in the client account to be utilized between cash flows by using the prepared cash flow schedule and providing recommendations in accordance with the risk assessment questionnaire used by the client when opening an investment account.

11. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to detect the detected banking transaction routines of the customer in the form of payments or money transfers.

12. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to utilize the determined amounts in the investment options in the form of public debt instruments and deposits between the determined time periods and then to automatically perform the said transaction when the days of the detected banking transaction routines of the customer in the form of payment or money transfer arrive.

13. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to present the customer with the most suitable investment recommendations that can be made in certain periods, either long-term or short-term, according to the detected banking transaction routine, through the application (2).

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