A system for enabling individuals to assist each other in certain banking transactions through a mutual approval mechanism

Abstract

The present invention relates to a system (1) which enables banking customers who are unfamiliar with banking transactions, over a certain age or in need of assistance to carry out banking transactions with a person they are close to or trust through a mutual approval mechanism.

Description

[0001] DESCRIPTION

[0002] A SYSTEM FOR ENABLING INDIVIDUALS TO ASSIST EACH OTHER IN CERTAIN BANKING TRANSACTIONS THROUGH A MUTUAL APPROVAL MECHANISM

[0003] Technical Field

[0004] The present invention relates to a system which enables banking customers who are unfamiliar with banking transactions, over a certain age or in need of assistance to carry out banking transactions with a person they are close to or trust through a mutual approval mechanism.

[0005] Background of the Invention

[0006] People who already have access to internet banking but cannot use it receive assistance from trusted people close to them. Within the scope of Internet banking, many transactions can be carried out via video chat without going to the branch. However, some customers do not even log in to the mobile channel. When they need to make transactions, they can only carry out their transactions via Internet or mobile banking with the assistance of people they know when they are with them. Another situation is that although some customers use internet banking, they make incorrect transactions since they are not sufficiently familiar with it. For example, when trying to buy gold, they may sell all the gold in their account. Another example is entering an incorrect account number when making a wire transfer. In the current structure, customers cannot get assistance directly from their acquaintances on Internet and mobile banking. They can receive assistance through other applications on the phone or through face-to-face communication. For this reason, it is understood that there is a need for a system which enables banking customers who are unfamiliar with banking transactions, over a certain age or in need of assistance to carry out banking transactions with a person they are close to or trust through a mutual approval mechanism.

[0007] The Chinese patent document no. CN114925404A, an application included in the state of the art, discloses a system configured to provide assistance to older clients by matching older clients with volunteer helpers. The invention discloses an intelligent mutual-aid old-age care cloud platform based on a block chain, and belongs to the technical field of old-age care mutual-aid, and the intelligent mutual-aid old-age care cloud platform comprises a user terminal, an identification statistics module, a voluntary platform, an old-age care platform, an intelligent matching module, a voluntary time bank, a work recording module and a health management center, the identification and statistics module is used for carrying out analysis and statistics on the identity information of each group of users received by the user terminal; the method can ensure that the elderly in each area can be rich while old, can effectively improve the material guarantee of the low-age elderly in combination with the free volunteer and the paid value-added service, can more visually display the health state of the elderly through drawing the health curve graph, facilitates the understanding of the elderly, simplifies the use steps of the elderly, and facilitates the use of the elderly.

[0008] Summary of the Invention

[0009] An object of the present invention is to realize a system developed with the aim of enabling banking customers who are unfamiliar with banking transactions, over a certain age or in need of assistance to carry out banking transactions with a person they are close to or trust through a mutual approval mechanism.

[0010] Another object of the present invention is to realize a system developed with the aim of enabling the banking transactions of many people who want to make investments through Internet banking but cannot do so due to lack of sufficient knowledge.

[0011] A further object of the present invention is to realize a system developed with the aim of ensuring a significant reduction in the number of customers visiting the branches.

[0012] A further object of the present invention is to realize a system developed with the aim of ensuring a significant increase in the volume of transaction figures.

[0013] Detailed Description of the Invention

[0014] “A System for Enabling Individuals to Assist Each Other in Certain Banking Transactions Through a Mutual Approval Mechanism” realized to fulfd the objective of the present invention is shown in the figure attached, in which:

[0015] Figure 1 is a schematic view of the inventive system.

[0016] The components illustrated in the figure are individually numbered, where the numbers refer to the following:

[0017] 1. System

[0018] 2. Application

[0019] 3. Server

[0020] The inventive system (1) developed with the aim of enabling banking customers who are unfamiliar with banking transactions, over a certain age or in need of assistance to carry out banking transactions with a person they are close to or trust through a mutual approval mechanism comprises at least one application (2) which is configured to enable the customer to carry out banking transactions and to enable the customer to select the person from whom s / he wants to receive assistance in the said banking transactions; and at least one server (3) which is configured to create a list of customers to whom customers are closest to; to enable receiving approvals made through the application (2) or from the bank branch from the customer who wants to receive assistance and from the customer who will provide assistance; to enable customers to carry out transactions by receiving assistance from the persons selected through the application (2) for certain transactions for which approval has been received.

[0021] The application (2) included in the inventive system (1) is configured to establish communication with the server (3) 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 customers to carry out personal banking transactions through an interface. The application (2) is configured to carry out approved banking transactions of other customers assisted by the customers through an interface. The application (2) is configured to comprise different types of visuals for the user interfaces that will be used. The application (2) is configured to be divided into channels in the form of Internet, mobile, branch and call center.

[0022] The server (3) included in the inventive system (1) is configured to establish communication with the application (2) by using any communication protocol. The server (3) is configured to detect bank customers. The server (3) is configured to generate a graph structure comprising the detected bank customers and the financial and customer relationships of the customers. The server (3) is configured to generate a specific list of customers to whom s / he is closest to for each customer. The server (3) is configured to present to the customer through the application (2) the generated list of customers to whom the customers are closest to. The server (3) is configured to enable customers who will receive assistance and those who will provide assistance to make a declaration online or by visiting a bank branch regarding the unilateral or bilateral transaction situation. The server (3) is configured to enable the relevant persons and transaction options to be made available on the mobile channel for the customers who have made a declaration, only for the transactions for which they have given approval. The server (3) is configured to enable the customer to select the respective counterparty customer and transaction for the customer to carry out the transaction through the application (2) interface. The server (3) is configured to enable a notification to be transmitted to the counterparty customer from which the customer requests assistance with banking transactions in order for them to carry out an approval or rejection transaction through the application (2) interface. The server (3) is configured to enable the determined banking transactions to be carried out after approvals are received from the customer requesting assistance and the customer who will provide assistance. The server (3) is configured to restrict the transactions for which assistance is provided in banking transactions based on customer information in the form of age, account age and asset status.

[0023] Industrial Application of the Invention

[0024] By means of the inventive system (1), banking customers who are unfamiliar with banking transactions, over a certain age or in need of assistance are enabled to carry out banking transactions with a person they are close to or trust through a mutual approval mechanism.

[0025] Within these basic concepts; it is possible to develop various embodiments of the inventive “A System (1) for Enabling Individuals to Assist Each Other in Certain Banking Transactions Through a Mutual Approval Mechanism”; the invention cannot be limited to examples disclosed herein and it is essentially according to claims.

Claims

CLAIMS1. A system (1) which enables banking customers who are unfamiliar with banking transactions, over a certain age or in need of assistance to carry out banking transactions with a person they are close to or trust through a mutual approval mechanism; comprising at least one application (2) which is configured to enable the customer to carry out banking transactions; and characterized by at least one application (2) which is configured to enable the customer to select the person from whom s / he wants to receive assistance in the said banking transactions; and at least one server (3) which is configured to create a list of customers to whom customers are closest to; to enable receiving approvals made through the application (2) or from the bank branch from the customer who wants to receive assistance and from the customer who will provide assistance; to enable customers to carry out transactions by receiving assistance from the persons selected through the application (2) for certain transactions for which approval has been received.

2. A system (1) according to Claim 1; characterized by the application (2) which is configured to establish communication with the server (3) 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 customers to carry out personal banking transactions through an interface.

5. A system (1) according to any one of the preceding claims; characterized by the application (2) which is configured to carry out approved banking transactions of other customers assisted by the customers through an interface.

6. A system (1) according to any one of the preceding claims; characterized by the application (2) which is configured to comprise different types of visuals for the user interfaces that will be used.

7. A system (1) according to any one of the preceding claims; characterized by the application (2) which is configured to be divided into channels in the form of Internet, mobile, branch and call center.

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

9. A system (1) according to any one of the preceding claims; characterized by the server (3) which is configured to detect bank customers and to generate a graph structure comprising the detected bank customers and the financial and customer relationships of the customers.

10. A system (1) according to any one of the preceding claims; characterized by the server (3) which is configured to generate a specific list of customers to whom s / he is closest to for each customer.

11. A system (1) according to any one of the preceding claims; characterized by the server (3) which is configured to present to the customer through the application (2) the generated list of customers to whom the customers are closest to.

12. A system (1) according to any one of the preceding claims; characterized by the server (3) which is configured to enable customers who will receive assistance and those who will provide assistance to make a declaration online or by visiting a bank branch regarding the unilateral or bilateral transaction situation.

13. A system (1) according to any one of the preceding claims; characterized by the server (3) which is configured to enable the relevant persons and transaction options to be made available on the mobile channel for the customers who have made a declaration, only for the transactions for which they have given approval.

14. A system (1) according to any one of the preceding claims; characterized by the server (3) which is configured to enable the customer to select the respective counterparty customer and transaction for the customer to carry out the transaction through the application (2) interface.

15. A system (1) according to any one of the preceding claims; characterized by the server (3) which is configured to enable a notification to be transmitted to the counterparty customer from which the customer requests assistance with banking transactions in order for them to carry out an approval or rejection transaction through the application (2) interface.

16. A system (1) according to any one of the preceding claims; characterized by the server (3) which is configured to enable the determined banking transactions to be carried out after approvals are received from the customer requesting assistance and the customer who will provide assistance.

17. A system (1) according to any one of the preceding claims; characterized by the server (3) which is configured to restrict the transactions for whichassistance is provided in banking transactions based on customer information in the form of age, account age and asset status.

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