Nakit kapimda application working method

Abstract

The invention relates to the working method of the Nakit Kapimda application, which is designed for use in the fields of banking software, financial software, and cryptocurrency software, enables individuals to request cash from their bank accounts and / or crypto wallets for delivery to their current addresses.

Description

[0001] NAKIT KAPIMDA APPLICATION WORKING METHOD

[0002] Technical Field

[0003] The invention relates to the working method of the Nakit Kapimda application, which is designed for use in the fields of banking software, financial software, and cryptocurrency software, and enables individuals to request cash from their bank accounts and / or crypto wallets for delivery to their current addresses.

[0004] State of the Art

[0005] Today, in order to withdraw cash from their accounts or credit cards, people have to go to banks or ATMs. However, there also are individuals who, due to being elderly, disabled, handicapped, or ill, or because of their occupations, cannot go to such places. These individuals either try to receive help from acquaintances or, with difficulty, have to go themselves.

[0006] Another financial option that has been developing in our era is the cryptocurrency market, and individuals mostly invest in this system. However, these individuals also encounter various difficulties in converting their cryptocurrency investments into cash, such as having to use a conversion programme like Binance.

[0007] For both of the processes mentioned above, individuals also spend significant amounts of time. Especially on certain paydays, long queues occur at ATMs or banks. In particular, in the queues that occur at banks, the labour of bank employees is also involved.

[0008] As an example among the applications in the same technical field as our invention, document number TR 2020 / 06510 in the state of the art may be cited, and it refers to online cash withdrawals from bank and credit cards and cash delivery processes. The invention is characterised as an application that, at the moment when individuals need cash, enables the delivery of the cash amount specified by them to their current location within a short period of time, without going to bank branches, ATMs, or similar cash withdrawal points, and ensures the provision of this service to individuals in need of cash by means of a service provider, without being dependent on a specific courier company. However, in the said invention, there is no provision for crypto service or indication that a secure transaction environment is established through a wallet address.

[0009] When foreign applications are examined, it is seen that document number CN109360355 (A), which appears in the existing technique, refers to a smart POS terminal and its loading and operating method. The smart POS terminal consists of a hardware unit, a software unit, and a third-party cooperation unit. The smart POS terminal is installed in a rural or remote area with 4G signals by a special liaison officer selected by the bank, and is managed and maintained by the liaison officer. The special liaison officer carries an appropriate amount of cash every day, and people living in rural or remote areas can withdraw cash by swiping their cards at the smart POS machine and the special liaison officer, thereby being able to access the cash they need in just a few minutes without having to travel tens of miles to a bank. The smart POS terminal, with its loading and operating method, is convenient and fast, greatly accelerates the rhythm of rural life, and provides great convenience for rural residents. However, in this invention, it is observed that there is no crypto service and no information that a secure transaction environment is created via a wallet address.

[0010] The present invention has been developed to eliminate the disadvantages mentioned above and to provide new advantages to the relevant technical field.

[0011] The Aim of the Invention

[0012] The main aim of the invention is to set forth the working method of the Nakit Kapimda application, that enables individuals to request cash from their accounts and / or crypto wallets to be delivered to their current addresses.

[0013] Another aim of the invention is to set forth a working method that eliminates the necessity for individuals to go to banks or ATMs in order to withdraw cash. A further aim of the invention is to set forth a working method that enables elderly, disabled, handicapped, or ill individuals, or those who cannot go to banks or ATMs due to their occupations, to obtain cash. With our invention, which presents a solution that does not currently exist or is not practised for cases of urgency and similar situations where it is not possible to go to ATMs or banks, this necessity will be eliminated.

[0014] Another aim of the invention is to set forth a working method that enables users to obtain cash through their crypto assets as well.

[0015] Another aim of the invention is to set forth a working method that eliminates the loss of time users would otherwise spend waiting in queues at banks or ATMs.

[0016] A further aim of the invention is to set forth a working method that saves the labour of bank employees.

[0017] Another aim of the invention is to set forth a working method that ensures the establishment of a secure transaction environment through a crypto wallet address.

[0018] Another aim of the invention is to set forth a working method that provides the possibility of withdrawing cash with the help of member merchants or couriers when there is no nearby bank or ATM. With our invention, it is also possible to withdraw cash from member merchants without waiting for a courier.

[0019] Detailed Description of the Invention

[0020] The detailed description explains the working method of the Nakit Kapimda application, which enables individuals to request cash from their bank accounts and / or crypto wallets for delivery to their current addresses, using non-limiting examples provided only to facilitate a better understanding of the subject.

[0021] The invention fundamentally facilitates the process of withdrawing cash from an ATM or bank branch by means of an application, thereby saving time in everyday life. It also allows this process to be carried out not only from bank accounts but also in real time via crypto wallets. The Nakit Kapimda application working method can operate by converting the crypto asset into the desired currency and sending it to a bank account, after which it can be used for the courier who procures the funds sent to a pool in cash to deliver them to the person, or it can operate by a method in which, at the outset and without performing any EFT / wire transfer into the pool, the money withdrawn via a POS and / or virtual POS brought by the courier is transferred into the pool. For this reason, the application has two different basic operating methods as described below.

[0022] First, the working method that allows the funds converted from crypto to be transferred to a bank account and then to a collection pool, and to be delivered by a courier who has been provided with cash to deliver, essentially comprises the process steps of:

[0023] • if available, receiving via the application a request to transfer money from the crypto wallet application, which is an exchange application (exchange wallet), to the bank account, o assigning unique crypto address information for each user and / or each transfer transaction and / or each type of crypto asset by the crypto wallet application, o sending the crypto asset to the created unique crypto address, o determining the crypto asset exchange rate via the server and presenting it to the customer for approval, o multiplying the amount of the asset to be exchanged by the determined rate after receiving approval of the exchange rate, o sending the resulting total amount to the designated bank account by the application,

[0024] • receiving from the customer’s bank account a transfer request to the application pool where all funds related to the transaction are collected,

[0025] • receiving information on the amount of money to be transferred from the customer’s bank account to the application pool,

[0026] • transferring the requested amount of money from the customer’s account to the application pool, • receiving a courier request for the transferred amount and / or a portion of it to be delivered in cash,

[0027] • receiving via the application from the customer the amount of cash requested for delivery,

[0028] • obtaining confirmation of the person and / or address information to which the cash will be delivered, and

[0029] • notifying the courier of the cash delivery request.

[0030] In a preferred embodiment of the invention, after the process step of determining the crypto asset exchange rate via the server and presenting it to the customer for approval and / or the process step of transferring the requested amount of money from the customer’s account to the application pool and / or the process step of obtaining confirmation of the person and / or address information to which the cash will be delivered, there may be a process step of receiving customer approval for the service fee and / or transaction fee to be applied.

[0031] A preferred embodiment of the invention also comprises, after the process step of sending the resulting total amount to the designated bank account, the process step of providing information to the customer that the transaction has been carried out.

[0032] In a preferred embodiment of the invention, after the process step of obtaining confirmation of the person and / or address information to which the cash will be delivered, there may be a process step of receiving from the customer approval of the delivery agreement.

[0033] Another preferred embodiment of the invention comprises, after the process step of notifying the courier of the cash delivery request, the process step of receiving confirmation from the courier that the delivery transaction will be carried out.

[0034] In a preferred embodiment of the invention, after the cash delivery, there may be a process step of completing the confirmation process by the person who will receive the cash by scanning with the courier’s mobile device and / or POS device the card and / or bank card containing the bank account and / or crypto wallet information previously given for the application. Another preferred embodiment of the invention comprises, after the cash delivery, the process step of receiving mutual delivery confirmations from the customer and / or the courier that the transaction has been completed. In addition, before this process step, there is also the process step of sending via the application the mutual confirmation codes to the application profiles of the person to receive and the person to deliver the cash.

[0035] The method, which is another option for the operation of the invention and in which the money withdrawn via a POS and / or virtual POS brought by the courier is transferred into the pool without first performing any EFT / wire transfer, comprises the process steps of:

[0036] • if available, receiving via the application a request to transfer money from the crypto wallet application, which is an exchange application (exchange wallet), to the bank account, o assigning unique crypto address information for each user and / or each transfer transaction and / or each type of crypto asset by the crypto wallet application, o sending the crypto asset to the created unique crypto address, o determining the crypto asset exchange rate via the server and presenting it to the customer for approval, o multiplying the amount of the asset to be exchanged by the determined rate after receiving approval of the exchange rate, o sending the resulting total amount to the designated bank account by the application,

[0037] • receiving a courier request from the customer,

[0038] • receiving via the application from the customer the amount of cash requested for delivery,

[0039] • obtaining confirmation of the person and / or address information to which the cash will be delivered, and

[0040] • notifying the courier of the cash delivery request, • receiving confirmation that the transaction has been carried out from the courier, and

[0041] • receiving the cash by the user by scanning the application card containing the user’s account and crypto information with the courier’s POS and / or virtual POS device.

[0042] Thus, by means of our application and the defined card, the POS device and / or virtual POS service held by the courier serves like an ATM in return for the service and / or transaction fee.

[0043] A preferred embodiment of this option may comprise, after the process step of determining the crypto asset exchange rate via the server and presenting it to the customer for approval and / or the process step of sending the resulting total amount to the designated bank account and / or the process step of obtaining confirmation of the person and / or address information to which the cash will be delivered, the process step of receiving from the customer approval for the service fee and / or transaction fee to be applied.

[0044] In another preferred embodiment of this option, after the process step of sending the resulting total amount to the designated bank account, there is the process step of providing to the customer information that the transaction has been carried out.

[0045] In yet another preferred embodiment of this option, after the process step of obtaining confirmation of the person and / or address information to which the cash will be delivered, there may be the process step of receiving from the customer approval of the delivery agreement.

[0046] The invention will thus provide convenience to persons in need of cash from deposits in crypto wallets or bank accounts and will prevent abuses.

[0047] In the invention, contracted merchants that integrate the application into their systems may also provide cash to their customers. A preferred embodiment of the invention operates as follows:

[0048] The user creates an account via the crypto wallet application and carries out registration and wallet setup. When registration is completed, the application creates a crypto wallet with an address information unique to the user. At this stage, the application may request a know-your-customer (KYC) verification in order to comply with legal regulations.

[0049] The invention actually comprises the integrated operation of two to three different applications. For this reason, some users may wish to use only our crypto wallet application for the purpose of crypto asset exchange, some users may wish to use all of the applications, and some users may wish to use only the Nakit Kapimda part. Therefore, when the application is started to be installed by a user, it may be asked whether they want to use the crypto wallet application, and those who want to use it may be requested or directed to install this application separately, or the crypto wallet application may also be installed automatically. Most crypto assets are accepted in commercial enterprises and banks like normal currencies. Therefore, the scope can be kept broad in terms of financial instruments.

[0050] From this crypto wallet, the user can now trade all crypto assets such as Bitcoin and Ethereum. When any crypto asset is to be purchased, the transaction is recorded on the blockchain and approved there, which means that the transaction is completed and secure.

[0051] The crypto wallet application essentially does not have to contain cash or crypto deposits (in fact, this is not preferred), and being an exchange wallet also comprises innovation in itself. Since cryptocurrencies are not kept in banks like normal currencies, this provides a useful and new method for converting from cryptocurrency to cash. The requirement for the legal identification of users will also eliminate obstacles regarding applicability.

[0052] When the user also wishes to convert their crypto assets into cash, they can learn the current value in the desired currency in real time via the application. This is a query process to a real-time server / exchange rate API that provides this. The response to this query is returned to the customer, enabling them to obtain information about current exchange rates. The user, if desired, may give automatic conversion instructions allowing the funds in their account to be converted to crypto assets or vice versa, or may perform this manually whenever they wish.

[0053] Some crypto wallet applications use a dynamic address for each transaction. Some crypto wallets have two different address structures, static and dynamic. In our application, in order to make users’ transfers transparent for wallets that use both static and dynamic addresses, a different crypto address (which can be provided as a QR and / or text) is assigned for each user, transfer transaction, and crypto asset unit (coin, Ethereum, Bitcoin, etc.) so that exchange can be carried out securely. By this means, the crypto asset sent to the designated address will be associated with the transacting user regardless of the address, and crypto asset transfers will be carried out transparently even in wallets that use dynamic addresses.

[0054] The application integrates with wallet service providers and / or a crypto wallet infrastructure (for example, custodial wallets such as BitGo or non-custodial options) to generate these wallet addresses. These addresses are securely stored in the application’s backend and associated with the user’s account.

[0055] Especially in crypto wallet applications that use dynamic addresses, the frequency of address changes may vary, and to keep a record of each transfer and ensure transparency, the application assigns a different address for each transfer of each user.

[0056] Each user can easily track where funds came from and where they went by creating unique deposit addresses for each transfer transaction and crypto asset unit, and the deposit can be automatically associated with the correct user. Using unique deposit addresses for each user means adding an external layer of privacy.

[0057] Even if users have static wallet addresses, using the unique deposit addresses created for them by the application is a secure and effective solution. This ensures security, privacy, and accurate tracking of deposits, regardless of whether the user’s wallet is static or dynamic. The workflow is smooth and simplifies the application’s management of deposit transactions and cryptocurrency conversions. This process is also used for the user’s purchase of crypto assets. When a conversion instruction is received, the application interacts with a server / cryptocurrency exchange service / API to convert the crypto assets into the desired currency. The application calculates and deducts transaction or conversion fees. The converted money is transferred to the user’s linked bank account or, if the crypto wallet application supports balances, is stored in the application.

[0058] Afterwards, the application confirms the successful conversion and, by updating the user’s wallet balance, sends the user a notification confirming the conversion and the currency deposit (for example, by e-mail, SMS, or in-app).

[0059] If desired, through this crypto wallet application, the user can view all crypto asset purchases, conversions, trading pairs used, all transaction and service fees paid, and all transactions regarding deposits. At the same time, transaction data can be exported for tax reporting. Since the user sends the crypto asset from their personal wallet to the unique address created by the application, there is no insecurity or lack of traceability.

[0060] In the crypto wallet application, security protocols such as two-factor authentication (2FA), encryption, and regular audits are implemented. In addition, compliance with local and international regulations, including anti-money laundering (AML) and combating the financing of terrorism (CFT), is regularly monitored.

[0061] Alongside the crypto wallet application used in the invention, there is also the Nakit Kapimda application. This application is a mobile application in which users, after entering their personal data and submitting their documents, receive approval, and after the registration process is completed, a debit card specific to the user is issued.

[0062] During registration, the business verifies the user’s identity and suitability by conducting know-your-customer (KYC) verification in order to comply with legal regulations. Once verification is completed, a debit card (linked to Visa or MasterCard) is issued to the user. The card is sent to the user by mail or delivered from a partner branch. Afterwards, users activate their cards via the application, link them with their crypto wallets and / or bank accounts, and set the necessary security features (for example, PIN, biometric verification). The card is integrated with a digital wallet that allows users to monitor their balances, transactions, and cash withdrawal options. Users can find nearby mobile couriers via the application or website. These couriers are individuals authorised to provide cash withdrawal services. The user initiates a cash withdrawal request for a specified amount through the platform. The mobile courier receives the request and confirms availability to perform the transaction. The user meets the courier and provides their debit card to carry out the transaction. The transaction is carried out using a mobile point-of-sale (POS) terminal, and the user receives the requested cash. In the application, a service fee is automatically deducted from the user’s account for the transaction.

[0063] Since the invention also comprises a crypto wallet application for crypto exchange, users, depending on their circumstances (for example, if they are close to an ATM or do not require urgent cash), can also withdraw cash from bank ATMs with Visa and MasterCard-compatible debit cards issued to them by the application. Therefore, the amount deposited into the application account can be accessed both through ATMs and, if necessary, through a courier.

[0064] By means of the application, it is also possible to withdraw cash through partnered merchants. The business cooperates with supermarket chains, retail stores, and other enterprises to enable cashiers to facilitate cash withdrawal transactions. The user visits a partner merchant (for example, a supermarket) and provides their card to the cashier. The cashier carries out the withdrawal transaction via the Visa / MasterCard-linked POS system, and the user receives cash from the till. During the transaction, a service fee is deducted from the user’s account.

[0065] Whether via mobile couriers or partner merchants, every transaction is recorded in the platform’s system. The user receives a notification (by e-mail, SMS, or in-app) confirming the cash withdrawal, the amount, and the deducted service fee.

[0066] Users can view the detailed history of all transactions, cash withdrawals, and related fees through the application. They can export their transaction history for personal accounting or tax purposes. The application implements security protocols such as encryption, two-factor authentication, and fraud detection systems to protect user data and transactions. Regular compliance checks are carried out to ensure adherence to financial regulations, including anti-money laundering (AML) and combating the financing of terrorism (CFT) laws.

Claims

CLAIMS1. A working method of the application, which is designed for use in the fields of banking software, financial software, and cryptocurrency software, and enables individuals to request cash from their bank accounts and / or crypto wallets for delivery to their current addresses characterized by comprising the process steps of:• if available, receiving via the application a request to transfer money from the crypto wallet application, which is an exchange application, to the bank account, o assigning unique crypto address information for each user and / or each transfer transaction and / or each type of crypto asset by the crypto wallet application, o sending the crypto asset to the created unique crypto address, o determining the crypto asset exchange rate via the server and presenting it to the customer for approval, o multiplying the amount of the asset to be exchanged by the determined rate after receiving approval of the exchange rate, o sending the resulting total amount to the designated bank account by the application,• receiving from the customer’s bank account a transfer request to the application pool where all funds related to the transaction are collected,• receiving information on the amount of money to be transferred from the customer’s bank account to the application pool,• transferring the requested amount of money from the customer’s account to the application pool,• receiving a courier request for the transferred amount and / or a portion of it to be delivered in cash,• receiving via the application from the customer the amount of cash requested for delivery,• obtaining confirmation of the person and / or address information to which the cash will be delivered, and• notifying the courier of the cash delivery request.

2. The working method according to Claim 1 , characterized by comprising the process step of receiving customer approval for the service fee and / or transaction fee to be applied, after the process step of determining the crypto asset exchange rate via the server and presenting it to the customer for approval and / or the process step of transferring the requested amount of money from the customer’s account to the application pool and / or the process step of obtaining confirmation of the person and / or address information to which the cash will be delivered.

3. The working method according to Claim 1 , characterized by comprising the process step of providing information to the customer that the transaction has been carried out, after the process step of sending the resulting total amount to the designated bank account.

4. The working method according to any of the previous claims, characterized by comprising the process step of receiving from the customer approval of the delivery agreement, after the process step of obtaining confirmation of the person and / or address information to which the cash will be delivered.

5. The working method according to any of the previous claims, characterized by comprising the process step of receiving confirmation from the courier that the delivery transaction will be carried out, after the process step of notifying the courier of the cash delivery request.

6. The working method according to any of the previous claims, characterized by comprising a process step of completing the confirmation process by the person who will receive the cash by scanning with the courier’s mobile device and / or POS device the card and / or bank card containing the bank account and / or crypto wallet information previously given for the application, after the cash delivery.

7. The working method according to any of the previous claims, characterized by comprising the process step of receiving mutual delivery confirmations from the customer and / or the courier that the transaction has been completed, after the cash delivery,8. The working method according to Claim 7, characterized by comprising the process step of transmitting via the application mutual confirmation codes to the application profiles of the parties who will receive and deliver the cash, before the process step of receiving mutual delivery confirmations from the customer and / or the courier that the transaction has been carried out.

9. A working method of the application, which is designed for use in the fields of banking software, financial software, and cryptocurrency software, and enables individuals to request cash from their bank accounts and / or crypto wallets for delivery to their current addresses characterized by comprising the process steps of:• if available, receiving via the application a request to transfer money from the crypto wallet application, which is an exchange application, to the bank account, o assigning unique crypto address information for each user and / or each transfer transaction and / or each type of crypto asset by the crypto wallet application, o sending the crypto asset to the created unique crypto address, and determining the crypto asset exchange rate via the server and presenting it to the customer for approval, o multiplying the amount of the asset to be exchanged by the determined rate after receiving approval of the exchange rate, o sending the resulting total amount to the designated bank account by the application,• receiving a courier request from the customer,• receiving via the application from the customer the amount of cash requested for delivery,• obtaining confirmation of the person and / or address information to which the cash will be delivered, and• notifying the courier of the cash delivery request,• receiving confirmation that the transaction has been carried out from the courier, and• receiving the cash by the user by scanning the application card containing the user’s account and crypto information with the courier’s POS and / or virtual POS device.10.The working method according to claim 9, characterized by comprising the process step of receiving from the customer approval for the transaction fee and / or service fee to be applied after the process step of determining the crypto asset exchange rate via the server and presenting it to the customer for approval and / or the process step of sending the resulting total amount to the designated bank account and / or the process step of obtaining confirmation of the person and / or address information to which the cash will be delivered.

11. The working method according to Claim 9 or 10, characterized by comprising the process step of providing information to the customer that the transaction has been carried out, after the process step of sending the resulting total amount to the designated bank account.12.The working method according to Claim 9 to 1 1 , characterized by comprising the process step of receiving from the customer approval of the delivery agreement, after the process step of obtaining confirmation of the person and / or address information to which the cash will be delivered.