WO2014193324A1 - Risk reporting system - Google Patents

Abstract

The present invention relates to a risk reporting system developed to provide a risk report to a report owner via SMS and internet, this report comprising information showing whether or not the payments for personal or commercial loans, including the credit cards, used by real persons or legal entities from the banks are made in due time, as well as the amount of current debts to the banks.

Description

RISK REPORTING SYSTEM

Field of Invention The present invention relates to a risk reporting system developed to provide a risk report to a report owner via SMS and internet, this report comprising information showing whether or not the payments for personal or commercial loans, including the credit cards, used by real persons or legal entities from the banks are made in due time, as well as the amount of current debts to the banks.

Prior Art

Nowadays, particularly in hire purchases, the firms and real persons are willing to learn the past financial status of the counter parties and make the sales thereafter. The most important cause of this is to know the capability of the counter party to make the future payments and to know their indebtedness to the banks and their past loan payment information. In the state of the art, it is not possible to retrieve these information except a risk report. This report taken by the customer is presented to third parties. An effort to generate the report, in this way constitutes an offence of sharing confidential information of clients in accordance with Article 73 of the Banking Law. It has penal sanctions according to the Turkish Penal Code.

Although no similar patent application disclosing the risk reporting system according to the present invention could be found in a patent search, the patent application US 2007/0295803 A1 relates to a system and method used for money or value transfer. According to that patent application, various means such as stationary or mobile phones, wired or wireless communication means, stationary or portable computers, distributors or banks can be used for money or value transfer. A value which is transferred can be directly converted into cash and used for shopping globally.

The patent application 201 1 /04343 registered at the Turkish Patent Office, in turn, relates to a local payment system. That system is a payment system, which does not require a remote computer connection and thus conducts the transactions more rapidly, is designed in a workplace-specific fashion, and comprises a shopping card provided with user information. The payment system is characterized by comprising a payment collection terminal capable to conduct payment collection transactions based on the price of a product or service, to retrieve balance information, and to open new accounts without requiring online connection, and a server which is in communication with new shopping card producing devices by external retrieval and backs up shopping card and balance information.

Object of Invention The main object of the present invention is to develop a risk reporting system providing a risk report to the report owner via SMS and internet, this report comprising information showing whether or not the payments for personal or commercial loans, including the credit cards, used by real persons or legal entities from the banks are made in due time, as well as the amount of current debts to the banks.

Another object of the present invention is to enable the report owner to retrieve the payment information for personal or commercial loans, including the credit cards, by means of a detailed report to be received via SMS or via internet without having to visit the bank within the working hours to obtain the risk report, and thus to reduce the number of persons visiting the banks and to prevent losses in time and workforce.

A further object of the present invention is to make those persons who make their payments in due time benefit from this fact since the risk report presented by the system according to the present invention comprises also the loans paid in due time, and not only the unpaid or overdue loans, if present. The risk report comprises information on the loans granted by all banks operating in Turkey.

A further object of the present invention is to enable the real persons or legal entities to check themselves by obtaining these reports regularly in order to manage their records in a positive manner based on the fact that the records are open for sharing and they confront the persons positively or negatively both in the commercial and private lives.

A further object of the present invention is to provide the ability to confirm the accuracy of the information included in the risk report by clicking a "risk report confirmation" button on the respective website of the intermediary to avoid any hesitation and to confirm the accuracy of the risk report. Since the risk reports can be delivered by the banks only to the account holder in accordance with the relevant provisions of the Banking Law, the third parties can receive the report only under the consent of or directly from the report owner. By virtue of the ability to confirm the risk report, it is ensured that third parties can confirm the accuracy of the information provided on the report by entering the reference number of the respective report to the respective website.

A further object of the present invention is to easily implement the procedure to become a member of the risk reporting system according to the present invention using the branches of the banks, call centers, and electronic membership systems for personal members. Upon approval, credits are loaded to the account from the credit or bank cards introduced to the system during the membership application procedure such that the fees required for the risk reports are deducted from this credit balance. Providing direct access to the reports for third parties under the consent of the report owner and checking the identities of the persons who have access to the report and give consent electronically by at least two independent points are the further objects of the present invention.

Description of Figures

Figure 1 is a flow algorithm of a risk report retrieval procedure via SMS.

Figure 2 is a flow algorithm of a membership application system implemented via the chambers of trade and commerce or via the banks.

Figure 3 is a flow algorithm of a membership application system implemented via call centers. Figure 4 is a flow algorithm of an electronic membership system for personal members.

Reference List

1. A risk report request (message) is sent.

2. Last 4 digits of the ID# TAX# of the report owner and of the person requesting the report.

3. The message is parsed and interpreted by the intermediary.

4. It is queried whether there is a interpretation-related problem.

5. An error message is sent.

6. The number requesting the report and the last 4 digits of the ID#/TAX# are checked. 7. It is checked whether the information is compliant.

8. An error message is sent.

9. It is checked whether or not the report owner is the person requesting the report.

10. The abstract of the risk report and a reference number providing access to the detailed report are sent to the report owner via SMS.

11. The intermediary sends a message to the phone number received from the bank and requests confirmation.

12. The report owner sends a message comprising the "confirmation reference number and the year of birth/year of establishment of the firm".

13. The intermediary queries whether a matching reply is received.

14. An abstract of the risk report and a reference number providing access to the detailed report are sent to the report owner via SMS.

15. The intermediary sends an informative message to the report owner.

16. The area code and the last two digits of the GSM number received from the bank are shown in the message.

17. The card information is sent to the bank of the customer.

8. The bank of the customer checks the compliance of information and matches accordingly.

19. The contact number is find using the ID# and Card#.

20. The bank of the customer sends primary/supplementary card information and contact phone information to the intermediary.

21. If a third party is present, the abstract of the risk report and a reference number providing access to the detailed report are sent to the third party via SMS.

22. If a third party is present, the abstract of the risk report and a reference number providing access to the detailed report are sent to the third party via SMS.

23. The website of the intermediary is entered, the application form is filled, it is printed out and signed by the authorized persons of the firm in accordance with the authorized signature documents.

24. The application form is checked in terms of signature and authority.

25. The application form is filled and it is printed out and signed by the authorized persons of the firm in accordance with the authorized signature documents.

26. Signature authority document, copies of identity of the authorized persons and a commitment letter are annexed to the application form.

27. The application is retrieved at the system by the branch of the bank or the chamber of trade. 28. The branch of the bank or the chamber of trade confirms via the system that the application is valid and the documents are complete.

29. Complete applications are confirmed and the status thereof are updated by the membership system of the intermediary.

30. A confirmation SMS message is sent from the membership system to the mobile phone of the authorized person of the firm.

31. The user of the firm logs into the membership system of the intermediary via the corporate internet branch (website) thereof.

32. Welcome menu

33. Membership procedures

33.1. Membership application

33.2. Activation of blocked membership

33.3. Return to main menu

33.4. Other procedures

34. Financial transactions

34.1. Load credit

34.2. Introduce credit card

34.3. Query balance

34.4. Return to the main menu

35. Report procedures

35.1. Objection procedures

35.1.1. Opposition procedures for risk reports

35.2. Other procedures

35.3. Return to the main menu

36. Other procedures

37. The step to become a personal member is started via the website of the intermediary.

38. The application form is filled.

39. The membership system queries if the customer is an existing member.

40. The procedure is terminated and it is returned to the procedure selection menu.

41. Basic identity information are matched with ISS.

42. It is queried whether the matching is successful.

43. if the matching is not successful, the procedure is terminated.

44. if the matching is successful, an OTP is sent to the e-mail address of the customer and it is asked to enter this OTP to the system. 45. It is queried whether the log-in is successful.

46. The procedure is terminated.

47. The bank starts security checks.

48. The bank is determined via the BIN.

49. Identity and contact information are sent.

50. An OTP is sent by the membership system to the user.

51. The last 2 digits and the area code of the mobile phone are sent.

52. The OTP is entered.

53. The OTP is verified.

54. The procedure is terminated.

55. It is switched to the PIN screen.

56. The ID number and the first password are entered.

57. It is queried whether the log-in is successful.

58. The procedure is terminated.

59. OTP is sent to the mobile phone.

60. The customer enters the OTP.

61. The OTP is verified.

62. The procedure is terminated.

63. It is asked to change the password.

64. The new password is entered.

65. Selectable images are shown.

66. An image is selected from the list.

67. The main menu is opened. Detailed Description of Invention

The present invention relates to a risk reporting system developed to provide a risk report to the report owner via SMS and internet, this report comprising information showing whether or not the payments for personal or commercial loans, including the credit cards, used by real persons or legal entities from the banks are made in due time, as well as the amount of current debts to the banks.

By virtue of the system developed according to the present invention, personal users are enabled to become a member of the system via a website of the respective intermediary without having to personally visit the respective bank. Membership applications of corporate members are similarly made through the respective website and a printout of the membership form is printed afterwards. The printout of the membership form is confirmed by the branches of the banks or by the chambers of commerce and the membership is activated accordingly.

A defined amount of fee is paid for reports, wherein this fee is either paid by a credit card which is introduced to the system during the membership application, or is deducted from a sum as reports are requested provided that a defined amount (e.g. 250 TRL) is loaded to the credit card. The person or corporation retrieving the risk report in the system pays money. A corporation or person who is retrieved does not make any payment. The SMS messages by which the person being retrieved gives permission (confirmation) are free of charge.

Reports are requested via SMS messages as following.

A member who is requesting his/her own risk report sends an SMS message in the form of "my risk".

An SMS message in the form of "risk" is sent for the reports of third parties.

The relevant message forms (requests for own-risk reports or for third-party risk reports) are shown in the table below.

A person or corporation to request a report by means of the risk reporting system according to the present invention has to be a member of the system. A person whose report is requested may not be a member of the system. If the entity whose report is requested Is a legal entity, however, it has to become a member of the system.

The explanation of abbreviations used in the description below are as following.

BIN: Bank Identification Number (first 6 digits of the card number. It identifies the bank to which the card belongs)

OTP: One Time Password

ISS: Identity Sharing System While the risk report comprises the payment information for personal and commercial loans, including the credit cards, of all banks operating in Turkey, a risk report generated by the system according to the present invention covers all loan payment information in the banking system and the amount of debt to the banks of a person who is being retrieved. The risk report generated by the system according to the present invention comprises both unpaid loans, if present, and the loans paid in due time.

The risk report indicates the payment performance for the past loans used by a person from the banks. It allows to see the loan history of a potential customer of a party who takes the risk in any relation involving commercial risks. This, in turn, allows to make more reliable decisions in relation to risks. The information included in the risk report and the general meaning thereof information are given below.

Intermediary's Credit Rating: It determines the risks of the individuals in a relative manner. Put differently, the aim of credit rating is to rank the individuals based on their predicted risks. Therefore, a lower credit rating of an individual does not necessarily mean that the individual has had a serious payment problem in the past. For instance, if one of two individuals who have not had any overdue loan payments in the past has more and older loan accounts than the other, the credit rating of the other individual will be lower. This is because this individual has less information as compared to the other in terms of adherence to debt payments. However, determining the limit in making a positive or negative decision for granting a loan and the criteria to be taken into account beside the credit rating is entirely under the initiative of the member corporation which grants the loan.

It provides a presentation of the entire content of the risk report together with positive and/or negative information under a single score. The more the indicator is closer to green means a better score for the past loan record of an individual. The more the indicator is closer to red means a relatively worse loan record.

PERSONAL LOANS LOAN INFORMATION - ACCOUNTS PAYABLE TOTAL LOANS

Number of financial institutions providing statements: This is the number of financial institutions with which loan relations were established. The more the institutions means that more banks provided positive loan evaluation. On the other hand, it must also be taken into account if the report owner has loan debts from many different institutions.

Number of total credit accounts: This is the number of running credit accounts of the individual. A high number must be interpreted negative in terms of risk management. For instance, 20 running credit accounts for an individual would be a high number of accounts.

Total limit: This is the total limit of active credits. A person or corporation to start a trade relation may compare the total credit limit of the individual to the monetary amount which is agreed upon. This parameter, however, should not be a rating criteria by itself. Other incomes of the individual should also be enquired and should be taken as a whole with other aspects. The limit and remainder (risk) should be proportional to the income.

Total balance: This is the debt information of the individual by the date of enquiry. If the remainder/limit proportion is high, it may be interpreted as negative, but if it is low, as positive.

Date of the last credit used: The presence of a loan which is used at a recent date indicates that an intermediary made a current credit rating for the individual. However, the presence of a current-dated loan may also be an indication of a potential risk to start a trade relation.

Number of overdue accounts: This gives the number of accounts which are overdue by the date of the report. In the exemplary report, it is shown that the individual has 5 different accounts which are overdue by the last month. Total of overdue balance: The higher the amount of the overdue balance (debt), the higher the risk. The rating should be made by referring to the income rate of the individual.

The present longest delay: The delay time is given in months. The ideal case it the absence of any delay. ("0" delay) For instance, if this period is 1 , it may be assumed that the payment was omitted inadvertently or it might be paid later for once. In order to clarify the case, a comparison may be made by checking the "Opening Date" of the account provided in the details of the account. Small delays in loan back payments having an older opening date is not significant. For instance, if the opening date is as early as 2004 and the individual has only one overdue payment, this may be deemed insignificant.

NONPERFOR ING LOANS

Number of financial institutions having notified a nonperforming loan: This indicates the number of financial institutions which started legal proceedings for the customer.

Number of nonperforming loans: This indicates the number of nonperforming loans. Total remainder of nonperforming loans: It is preferred that no actions have been started for an overdue loan. However, depending on the payment capability, small amounts of remainders may occasionally be the subject of proceedings. Such cases may be tolerated by taking into account the other payment information of the individual.

Date of the most recent proceedings: This indicates the time of the most recent proceedings. The loans which were paid back and settled without becoming the subject of any proceedings is not shown in the part of the nonperforming loans; but these are included to the calculation of the credit rating.

ACCOUNT DETAILS OF PERSONAL LOANS

Code of Institution: This is the code of the bank or the consumer financing institution granting the loan. Since the name of the institutions are not given explicitly, they are classified using codes of capital letters. The same banks are shown using the same letter. For instance, if there are four A letters in the report, it means that there are 4 loans which were granted by bank A. The name of the banks are given explicitly in the reports held by the individual and taken from the internet branch of the intermediary.

Opening date: This is the date when a loan was received, wherein an earlier data is a plus value for the individual. Date of settlement: This date indicates the date at which a loan is entirely settled for paid loans, or the date at which the loan was closed and became the subject of the first proceedings in nonperforming loans. The presence of a date of settlement particularly for a consumer loan or a housing loan indicates that the individual settled and completed the debt.

Date of proceeding: This indicates the date of an administrative proceeding or a legal proceeding for a loan, whichever is later. If, for instance, the date of an administrative proceeding is 1 February and the date of a legal proceeding is 1 March, the date of legal proceeding, which is 1 March, is indicated in this field.

Amount/limit of a loan: This indicates the amount of loan used in consumer and housing loans and the current credit limits in credit cards and savings accounts with credit. History of payment performance (18 months): This indicates the monthly back payment performance of a loan for the individual. The performance shown is for the last 18 months at maximum, with the value shown leftmost indicating the current month. The payment performance varies according to the written code.

Performance code: 0: payment made in due time, 1 : 1 to 30 days overdue, 2: 31 to 60 days overdue, 3: 61 to 90 days overdue, 4: more than 90 days overdue.

For instance, a payment performance ending in the form of "01200..." shows that the individual have no overdue installment in the last month, 1 overdue installment 2 months ago and 2 overdue installments 3 months ago. No earlier overdue installments can be seen from the figures given above. Such a payment history indicates that the individual normally paid the installments in due time, but had a temporary payment problem a short time ago. In order to support this opinion, other payment performances under other accounts should also be taking into account. Additionally, the letters I, K and X can also be included to the indicators. The letter T indicates an administrative proceeding, ' ' indicates a legal proceeding, 'X' indicates the absence of information for the relevant period due to the lack of statement by the banks.

The longer the period of a loan performance, the more back-dated is the loan, which gives a positive opinion. This allows to get more information on the individual. Meaningful results can be obtained by checking the periodic performances of all loans of the individual. For instance, if there is a delay in the back payments of ongoing loans in recent months, it may be risky to start a new trade relation. Even if the installment is paid of the respective loan, but the payment being made at a date which is after the final payment date or being incomplete, this is indicated in the report as an overdue payment.

Total debt: This indicates the total overdue debt

Overdue debt: This indicates the total overdue risk/debt.

Final update period: This indicates the period during which the information of the loan account was updated. If it is an running loan, this shows the information of the former month as provided regularly by the respective bank at the end of each month. No information update is made for settled loans.

Record reference number: This number identifies the respective loan account. If the individual has an objection in relation to the report, an application may be made using the record reference number. COMMERCIAL LOANS

LOAN INFORMATION - ACCOUNTS PAYABLE

The most up-to-date limit assignment date: This indicates the most up-to-date credit rating date. If this date is close to the current date, this is favorable in that a recent credit rating was performed. When an evaluation is made, the proportion at which the limit is occupied, the scale of the business with which a trade relation is to be started, and the income thereof should be interpreted. The intermediary requests a defined fee per report from the bank which is to issue the report, whereas the banks providing this service determine their own fees to accept an application of and deliver the report to the account holder. In this context, the fees requested may differ among the banks. Since there is no requirement to be a customer of a bank to take a risk report from that bank, it will be possible to take the risk report from the bank which gives the most competitive price.

Since the intermediary includes the information gathered from the banks to the report directly without making any changes, it is not a party to an objection raised against the report. Any objections raised in relation to the information comprised in a report may be made at the branches of the respective bank.

Figure 1 is a flow algorithm of a risk report retrieval procedure via SMS according to the present invention. The retrieval procedure is conducted as following. The report owner sends a request for a risk report (message) to an announced SMS seivice (number) (1). The person requesting the report is required to become a member of the system. The message comprises the ID#/TAX# of the owner of the risk report and the last 4 digits of the ID# TAX# of the person requesting the report (2). The message sent by the report owner is parsed and interpreted by the intermediary (3). It is queried whether there is an interpretation-related problem (4). If the output of the query is "yes", an error message is sent to the report owner (5). The number requesting the report and the last 4 digits of the ID#/TAX# are checked against the membership database, and the procedure is resumed if a record as well as payment means are found. If the output is "no" after the compliance of information is queried (7), an error message is sent to the report owner (8).

It is checked if the report owner is the person requesting the report (9). If the answer is "yes", an abstract of the risk report is sent to the report owner via SMS, as well as a reference number is sent to provide access to a detailed report via the website of the respective intermediary (10). If the answer is "no", a message is sent by the intermediary to the phone number received from the bank and confirmation is requested (11). The report owner replies the incoming message by writing the "confirmation reference number and the year of birth/year of establishment of the firm" (12). The intermediary queries whether a matching reply is received (13). If the reply is matching, the abstract of the risk report is sent to the report owner via SMS, as well as a reference number is sent to provide access to the detailed report via the website of the respective intermediary (14). If the reply is "no", an informative message is sent by the intermediary to the report owner at the end of a waiting period (15). The area code and the last two digits of the GSM number received from the bank are shown in the message (16). Legal entities and real persons can become a member of the risk reporting system according to the present invention by various methods. Legal entities may become a member of the system via the banks or the chambers of trade or stock markets. Real persons, in turn, may become a member of the system using an electronic membership system or call centers and can request a risk report by paying a defined fee.

Figure 2 is a flow algorithm of a membership application system implemented via the chambers of trade and industry or via the banks (A). Firms with a legal entity can become a member of the system according to the present invention vial the chambers of trade and industry or the branches of the banks. The applying firm enters the website of the respective intermediary and fills an application form, makes a printout of the form and lets it signed by the authorized persons of the firm (23). At the same time, the firm enters the website of the respective intermediary and fills an application form, makes a printout of the form and lets it signed by the authorized persons of the firm in accordance with the authorized signature document (25). A signature authority document, copies of identity of the authorized persons and a commitment letter are annexed to the application form (26). The checking procedure of the form, the signature and of the authority is performed by the respective chamber of trade and industry or by the bank to which the application is made (24). The application is retrieved at the system by the branch of the bank or the chamber of trade (27). The branch of the bank or the chamber of trade confirms via the system that the application is valid and the documents are complete (28). Complete applications are confirmed and the status thereof are updated by the membership system according to the present invention of the intermediary (29). An approval message in the form of an SMS message is sent from the membership system to the mobile phone of the authorized person of the firm (30). The user of the firm then logs in to the membership system according to the present invention of the intermediary via the corporate internet branch (website) (31).

Figure 3 is a flow algorithm of a membership application system implemented via call centers (B). Upon calling the call center, the real person gains access to a welcome menu (32). The person depresses the relevant keys under the guidance of the welcome menu to get information on or conduct membership procedures (33), financial transactions (34), report procedures (35) or other transactions (36). Under the membership procedures (33) menu, the person can conduct membership application (33.1) and blocked membership activation (33.2) procedures as well as other procedures (33.4), or may return to the main menu (33.3). In order to apply for membership (33.1), data such as the ID number, date of birth, identity serial number are entered to the system and are submitted to ISS check by the system of the intermediary. After the identity data are verified, the person is asked to enter the first 6 digits and last 4 digits of the bank or credit card. All data entered to the system and the calling number are transmitted to the system of the intermediary, as well as the bank and the service status are determined. Contact information are received from the bank and the phone number making the call and the phone number taken from the bank are compared. If the numbers are "identical", the membership procedure is completed. A confirmation message for activating the membership via OTP is sent to the respective mobile phone. If the numbers are "different", an OTP is sent to the phone number received from the bank. The OTP that is entered is transmitted to the membership system of the intermediary, the OTP is verified and the membership procedure is completed successively at the system.

Then, the bank or credit card information to make the payment required for the risk report is introduced to the system and the amount of credit to be purchased is entered to the system. All data are transmitted to the membership system, a virtual POS confirmation is made and the procedure is completed. If the data entered during the procedure are incorrect, the applying person is returned to the main menu by the system.

Under the financial transactions (34), in turn, procedures such as loading credits (34.1), introducing credit cards (34.2), querying the balance (34.3) are conducted. After these procedures are conducted, it may be returned to the main menu (34.4).

Figure 4 is a flow algorithm of an electronic membership system for personal members (C). A customer who wants to become a member starts the step to become a personal member (37) and fills an application form (38) via the website of the intermediary. Information such as the "ID number, Name & Surname, Contact Phone Number, Father's Name, Birth of Date, Mail Address, Card Number" etc. are filled by the customer to an application form (38). The membership system queries if the customer is an existing member (39). If the customer is an existing member, the procedure is completed and the procedure selection menu is opened (forgotten password etc.) (40). If the customer is not an existing member, the basic identity information is matched with the ISS (41) and it is queried if the matching is successful or not (42). If the matching is not successful, the procedure is terminated (43). It is queried if the log-in was successful or not (45) and if it is unsuccessful, the procedure is terminated (46). If the log-in is successful, security checks are initiated via the bank (47). Information such as the ID number, card information (first 6 digits and last 4 digits), mail address, password, name and surname, OTP are checked. The bank is determined via the BIN (48). The bank transmits identity and communication information for the respective card number and identity number (49). An OTP is sent by the membership system to the user (50). The. OTP login menu is opened and the last 2 digits and the area code of the mobile phone are shown on the display (51). The OTP is entered to the menu (52). The OTP is verified (53). If it is not correct, the procedure is terminated (54). If it is correct, a message is given stating that the procedure is successful and it is switched to the PIN screen (55). The ID number and the first password are entered to get the first PIN (56). A welcome SMS message is sent for the first password.

It is queried if it was logged in successfully (57), and if the output of the query is unsuccessful, no permission is given to log in and the procedure is terminated (58). If the log-in is successful, an OTP is generated and it is sent to the mobile phone number which was introduced to the system during the membership application procedure (59). The customer enters the OTP (60). The OTP is verified (61). If the OTP is not correct, the procedure is terminated (62). If the OTP is correct, it is asked to change the password which was entered to get the first PI (63). The new password is entered (64). Selectable images are shown (65). An image is selected from the list (66). Finally, the main menu (67) is opened and the membership application is completed. As required by the relevant provisions of the Banking Law, a risk report can be delivered by the banks to the person him/herself, or to third parties authorized by the person. In order to avoid any hesitation and to confirm the accuracy of the risk report when the risk report is delivered to third parties or is sent by the report owner to third parties, a "risk report confirmation" button on the respective website of the intermediary, which is a web-based application, is clicked, the reference number provided on the risk report is entered and the accuracy of the information on the report is checked.

On each report issued for the report owner is provided a reference number generated specifically for that report, the identity number of the report owner, and the date of the report. Additionally, each information provided on the report is accompanied by codes beside the field names.

Any risk report generated is stored with its entire content in a database by the intermediary. As a result of entering information via the respective website, the information for a previously- generated report can be retrieved. It can be checked that if the report for which the reference number is entered was actually generated for the identity number entered as the report owner, and if there was generated a report at the specified date.

Claims

1. A risk reporting system developed to provide a risk report to a report owner, this report comprising information showing whether or not the payments for personal or commercial loans, including the credit cards, used by real persons or legal entities from the banks are made in due time, as well as the amount of current debts to the banks, characterized in that

- the report owner, who is a real person or a legal entity, becomes a member of the risk reporting system by means of a membership application system implemented via the chambers of trade and industry or via the branches of the banks (A), by means of a membership application system implemented via call centers (B), or by means of an electronic membership system (C),

- the report owner whose membership procedure is completed sends a request for a risk report (message) to an announced SMS service (number),

- if all queries are positive, an abstract of the risk report is sent to the report owner via SMS, as well as a reference number is sent to the report owner via SMS to provide access to a detailed report via the website of the respective intermediary.

2. The risk reporting system according to claim 1 , characterized in that a "confirm risk report" button is clicked on the website in the form of a web-based application of the intermediary and the reference number of the risk report is entered, such that the accuracy of the information provided on the report is verified.

3. The risk reporting system according to claim 1 , characterized in that credit is loaded from a bank card or credit card introduced to the system during the membership application procedure, such that the required fees for the risk report is deducted from this credit balance.

4. The risk reporting system according to claim 1 , characterized in that the risk report comprises information on

- credit rating of the intermediary which is an indicator of the entire content of the risk report together with positive and/or negative information under a single score,

- number of financial institutions providing statements, - number of total credit accounts,

- total limit,

- total balance,

- date of the last credit used,

- number of overdue accounts,

- the present longest delay,

~. the number of financial institutions which started legal proceedings for the customer,

- number of nonperforming loans,

- total remainder of nonperforming loans,

date of the most recent proceeding,

- the code of the bank or the consumer financing institution granting the loan,

- opening date at which the loan is assigned,

- the settlement date, which is the date at which a loan is entirely settled in settled loans, or the date at which the loan was settled and first became the subject of a proceeding in nonperforming loans,

- the date of an administrative proceeding or a legal proceeding for a loan, whichever is later,

- history of payment performance indicating the performance of the last 18 months maximum,

performance code,

- total overdue debt,

- total overdue risk/debt,

- last update period during which the information of the loan account is updated,

- record reference number defining the respective loan account,

- the most up-to-date limit assignment date showing the most up-to-date credit rating date.

The risk reporting system according to claim 1 , characterized in that the risk report retrieval procedure via SMS comprises the following procedural steps, wherein

- the person requesting a risk report sends a risk report request (message) to an announced SMS number (1), wherein the message comprises information as announced at the website of the respective intermediary (2),

- the message sent by the report owner is parsed and interpreted by the intermediary (3), and it is queried if there is an interpretation-related problem (4), - if the output of the query is "yes", an error message is sent to the report owner

(5),

- if the output of the query is "no", it is checked by the intermediary if the GS number and the ID number of the person requesting the report are matching (6),

- if the output is "no" after the matching of information is queried (7), an error message is sent to the report owner (8),

- if the output is "yes" and if the report owner and the applying person are the same, an abstract of the risk report is sent to the report owner via SMS, as well as a reference number is sent to the report owner (10) via SMS to provide access to a detailed report via the website of the intermediary,

- if the output is "yes" and if the report owner and the applying person are different, the contact information of the person is obtained via the reference bank indicated in the content of the SMS message and an SMS message is sent to obtain confirmation from the person, additionally the ID# is obtained and identity matching is conducted via ISS, whereas if the output is "no", a message is sent by the intermediary to the phone number received from the bank and confirmation is requested (11 ),

- the report owner replies the message by writing the "Approval Reference Number and Date of Birth/Date of Establishment" (12), the intermediary queries if a matching reply is received (13), and if a matching reply is received, an abstract of the risk report is sent to the report owner via SMS, as well as a reference number is sent to provide access to a detailed report at the website of the intermediary (14),

- if the output of the query is "no", an informative message is sent by the intermediary to the report owner at the end of a waiting period (15) and the area code and the last two digits of the GSM number received from the bank are shown in the respective message (16),

- in case it is requested to send the report further to a third party, the respective reference number is also sent to the third party via a separate SMS message (21 , 22).

6. The risk reporting system according to claim 1 , characterized in that the membership application system implemented via chambers of trade and industry or via banks (A) comprises the following procedural steps, wherein - a firm enters the website of the respective intermediary and fills an application form, makes a printout of the form and lets it signed by the authorized persons of the firm (23),

- an authorized signature document is annexed to the application form (26),

- the checking procedure of the form, the signature and of the authority is performed by the respective chamber of trade and industry or by the bank (24),

- the application is retrieved at the system by the chamber of trade and industry or the bank (27),

- the chamber of trade and industry or the bank confirms via the system that the application is valid and the documents are complete (28),

- complete applications are confirmed and the status thereof are updated by the membership system of the intermediary (29),

- a confirmation SMS message is sent from the membership system to the mobile phone of the authorized person of the firm (30),

- the user of the firm logs in to the system of the intermediary via the corporate internet branch (website) thereof (31).

The risk reporting system according to claim 1 , characterized in that the membership application system implemented via call centers (B) comprises the following procedural steps, wherein

- access is provided to a welcome menu with a real person calling the call center (32),

- the person depresses the relevant keys under the guidance of the welcome menu to get information on or conduct membership procedures (33), financial transactions (34), report procedures (35) or other transactions (36),

- under the membership procedures (33) menu, the person can conduct membership application (33.1) and blocked membership activation (33.2) as well as other procedures (33.4), or may return to the main menu (33.3).

8. The risk reporting system according to claim 7, characterized in that to apply for membership (33.1), data such as the ID number, date of birth, identity serial number are entered to the system and are submitted to ISS check by the system of the intermediary.

9. The risk reporting system according to claim 7, characterized in that after the identity data are verified, the person is asked to enter the first 6 digits and last 4 digits of a bank card or credit card.

10-The risk reporting system according to claim 7, characterized in that all data entered to the system and the calling number are transmitted to the system of the intermediary, as well as the bank and the service status are identified, contact information are received from the bank and the phone number making the call and the phone number taken from the bank are compared, if the numbers are "identical" as a result of this comparison, the membership procedure is completed, and an OTP message is sent to the respective mobile phone stating that the membership is confirmed.

11. The risk reporting system according to claim 7, characterized in that if the numbers are "different", an OTP is sent to the phone number received from the bank, the OTP that is entered is transmitted to the membership system of the intermediary, the OTP is verified and the membership procedure is completed successively at the system.

12. The risk reporting system according to claim 7, characterized in that information of the bank or credit card to make the payment required for the risk report is introduced to the system and the amount of credit to be purchased is entered to the system.

13. The risk reporting system according to claim 7, characterized in that all data are transmitted to the membership system, a virtual pos confirmation is made and the procedure is completed.

14. The risk reporting system according to claim 7, characterized in that if the data entered during the procedure are incorrect, the applying person is returned to the main menu by the system.

15. The risk reporting system according to claim 7, characterized in that under the financial transactions (34) menu, procedures such as loading credits (34.1), introducing credit cards (34.2), querying balances (34.3) are conducted and it is returned to the main menu (34.4) following the completion of such procedures.

16. The risk reporting system according to claim 1 , characterized in that the electronic membership system for personal members (C) comprises the following procedural steps, wherein

- a customer who wants to become a member starts the step to become a personal member (37) and fills an application form (38) via the website of the intermediary,

- the membership system queries if the customer is an existing member (39),

- if the customer is an existing member, the procedure is terminated and it is switched to the procedure selection menu,

- if the customer is not an existing member, the basic identity information is matched with the ISS (41) and it is queried if the matching is successful or not (42),

- if the matching is not successful, the procedure is terminated (43),

- if the matching is successful, an OTP is sent to the e-mail address of the customer and it is asked to enter the OTP to the system (44),

- it is queried if the log-in is successful or not (45) and if it is unsuccessful, the procedure is terminated (46),

- if the log-in is successful, security checks are initiated via the bank (47),

- the bank is identified via the BIN (48),

- the bank transmits identity and communication information for the respective card number and identity number (49),

- an OTP is sent by the membership system to the user (50),

- the OTP log-in menu is opened and the last 2 digits and the area code of the mobile phone are shown on the display (51),

- the OTP is entered to the menu (52),

- the OTP is verified (53),

- if it is not correct, the procedure is terminated,

- if it is correct, a message is sent stating that the procedure is successful and it is switched to the password screen (55),

- the ID number and the first password are entered for the first PIN (56),

- it is queried if the log-in is successful (57), and if the output of the query is unsuccessful, no permission is given to log in and the procedure is terminated (58), - if the log-in is successful, an OTP is generated and sent to the mobile phone number which was introduced to the system during the membership application procedure (59),

- the customer enters the OTP to the system (60),

- the OTP is verified (61),

- if the OTP is not correct, the procedure is terminated (62),

- if the OTP is correct, it is asked to change the password which was entered during the first PIN (63),

- the new password is entered (64),

- selectable images are shown (65),

- an image is selected from the list (66), and

- finally, the main menu (67) is opened and the membership application is completed.