WO2022225496A1 - A prenuptial agreement system - Google Patents

A prenuptial agreement system Download PDF

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Publication number
WO2022225496A1
WO2022225496A1 PCT/TR2022/050356 TR2022050356W WO2022225496A1 WO 2022225496 A1 WO2022225496 A1 WO 2022225496A1 TR 2022050356 W TR2022050356 W TR 2022050356W WO 2022225496 A1 WO2022225496 A1 WO 2022225496A1
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WO
WIPO (PCT)
Prior art keywords
customers
server
agreement
bank
agreements
Prior art date
Application number
PCT/TR2022/050356
Other languages
French (fr)
Inventor
Alara YALCIN
Original Assignee
Turkiye Garanti Bankasi Anonim Sirketi
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from TR2021/006965 external-priority patent/TR2021006965A2/en
Application filed by Turkiye Garanti Bankasi Anonim Sirketi filed Critical Turkiye Garanti Bankasi Anonim Sirketi
Publication of WO2022225496A1 publication Critical patent/WO2022225496A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/18—Legal services
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q2220/00—Business processing using cryptography

Definitions

  • the present invention relates to a system for integrating needs of bank customers regarding their prenuptial agreements (marriage contracts) by means of a banking platform, storing and updating these on a blockchain network, operating financial assets of customers in accordance with the agreements and securing these by banks through legal bases.
  • Asset allocation rules which may embody an investment strategy that may incorporate transfer advices, individual investment preferences, asset investment-performance metrics, financial advisor inputs, regulatory information, and so forth among the plurality of accounts are executed and managed.
  • the said savings account managed in the inventive system can be an account related to a premarital agreement, an account related to a post-marital agreement, an account related to a living-together agreement.
  • a spigot may be directed at a divorce settlement or other division of assets.
  • An objective of the present invention is to realize a system which designs a plan with the approval of bank customers, enables to determine the optimum plan for customers by means of machine learning and then recommend it and to draw up an agreement in accordance with demands of customers.
  • Another objective of the present invention is to realize a system which enables to generate allocation criteria of assets by means of machine learning in the event of divorce when customers have forward-looking investment plans, demands renewal of agreement from customers in accordance with regulation, and enables to open a bank account for children in case of a child(ren).
  • Figure l is a schematic view of the inventive system.
  • the inventive system (1) for integrating needs of bank customers regarding their prenuptial agreements by means of a banking platform, storing and updating these on a blockchain network, operating financial assets of customers in accordance with the agreements and securing these by banks through legal bases comprises: at least one blockchain network (2) which is configured to store data such as identity information, agreement information of bank customers on at least one block; at least one electronic device (3) which is configured to run at least one application on itself; at least one application (4) which is configured to run on the electronic device (3) and to enable customers to enter their agreement information; at least one server (5) which is configured to run in communication with the application (4) and to put the actions related to the agreement information, that are stored in the blockchain network (2), into effect.
  • the blockchain network (2) included in the inventive system (1) is configured to comprise blocks including information such as identity information, agreement information of bank customers.
  • the blockchain network (2) is configured to create smart contracts related to transactions that are carried on itself and to manage these contracts.
  • the electronic device (3) included in the inventive system (1) is configured to run at least one application (4) on itself.
  • the electronic device (3) is a device such as mobile phone, tablet, computer.
  • the application (4) included in the inventive system (1) runs on the electronic device (3) and it is configured to enable bank customers to enter information related to their prenuptial agreements and their assets over at least one interface.
  • the server (5) included in the inventive system (1) is in communication with the application (4) and the blockchain network (2) and it is configured to be able to access to information about prenuptial agreements.
  • the server (5) is configured to allocate assets of customers according to articles of agreement and to manage investments of customers in bank accounts, their forward-looking investment plans and parameters of asset allocation in case of divorce.
  • the server (5) is configured to ensure that articles of a prenuptial agreement are executed by a bank and to provide financial coaching service for customers.
  • the server (5) is configured to determine the optimum plan for customers by means of machine learning and to regulate it in accordance with demands of customers.
  • the server (5) is configured to detect all products of customers such as immovable assets, liquid assets, loans and then to ensure that steps -that are predetermined for the related products in agreements- are followed in case of divorce.
  • the server (5) is configured to keep additions, profits, losses of customers in their assets during their marriage in a balance sheet together with a contract product.
  • the server (5) is configured to ensure that bank accounts are opened in the event that persons included in an agreement have no bank accounts, to query their investments in different banks and then incorporate these products into the agreement as well.
  • the server (5) is configured to open a bank account if customers do not have a bank account for their children.
  • the server (5) is configured to give instructions such as the liquid assets to be obtained will be allocated in accordance with the agreement if investments such as real-estate, land are sold and the agreement will be abided by if sales transactions were not carried out, in case of divorce.
  • the server (5) is configured to allocate liquid assets and debts of customers among their children’s accounts in accordance with agreements.
  • the server (5) is configured to create an instruction in order to allocate products of customers in different banks.
  • bank customers enter their customer information and information related to their prenuptial agreements over the application (4) running on the electronic device (3) at first.
  • the information entered are stored in the blockchain network (2).
  • the server (5) ensures that articles included in prenuptial agreements are executed by banks in the event that their customers get divorced, by communicating with the application (4) and the blockchain network (2).
  • a system which enables to execute articles of prenuptial agreements of bank customers by banks, to store these in a blockchain network and to allocate the assets of customers in accordance with agreements in consequence of divorce by providing financial coaching for customers is obtained.
  • the blockchain network (2), the electronic device (3), the application (4) and the server (5) included in the inventive system (1) submit information and approval to the user in accordance with the principles of data privacy and they operate within the scope of the Law on Protection of Personal Data (KVKK).
  • KVKK Law on Protection of Personal Data

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Tourism & Hospitality (AREA)
  • General Business, Economics & Management (AREA)
  • General Health & Medical Sciences (AREA)
  • Computer Security & Cryptography (AREA)
  • Health & Medical Sciences (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Economics (AREA)
  • Bioethics (AREA)
  • Development Economics (AREA)
  • Software Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Computer Hardware Design (AREA)
  • Human Resources & Organizations (AREA)
  • Primary Health Care (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a system (1) for integrating needs of bank customers regarding their prenuptial agreements (marriage contracts) by means of a banking platform, storing and updating these on a blockchain network (2), operating financial assets of customers in accordance with the agreements and securing these by banks through legal bases.

Description

A PRENUPTIAL AGREEMENT SYSTEM Technical Field
The present invention relates to a system for integrating needs of bank customers regarding their prenuptial agreements (marriage contracts) by means of a banking platform, storing and updating these on a blockchain network, operating financial assets of customers in accordance with the agreements and securing these by banks through legal bases.
Background of the Invention Today, persons who want to conserve their assets -which they have already owned before getting married- and/or divide their assets between their children in consequence of divorce draw up various prenuptial agreements. Persons may prefer the said prenuptial agreements to be executed over a bank within the scope of the agreement services provided to them by their bank. There are various studies which execute savings of couples by means of a policy and envisage a mortgage product payment scheme for the couples getting divorced. However, there is no system for enabling bank customers to execute their prenuptial agreements on a blockchain network under the guarantee of their bank, in the state of the art. Considering the studies included in the state of the art, it is understood that there is need for a system which enables to execute articles of prenuptial agreements of bank customers by banks and to allocate the assets of customers in accordance with agreements in consequence of divorce by providing financial coaching for customers. The United States patent document no. US20090094170A1, an application in the state of the art, discloses a system for managing a plurality of investment accounts and allowing the automatic execution of financial plans. Management of a plurality of investment accounts that relate to planning for the financial needs of a phase of life or a major life event is provided in the inventive system. Asset allocation rules which may embody an investment strategy that may incorporate transfer advices, individual investment preferences, asset investment-performance metrics, financial advisor inputs, regulatory information, and so forth among the plurality of accounts are executed and managed. The said savings account managed in the inventive system can be an account related to a premarital agreement, an account related to a post-marital agreement, an account related to a living-together agreement. In one embodiment of the invention, a spigot may be directed at a divorce settlement or other division of assets.
Summary of the Invention
An objective of the present invention is to realize a system which designs a plan with the approval of bank customers, enables to determine the optimum plan for customers by means of machine learning and then recommend it and to draw up an agreement in accordance with demands of customers.
Another objective of the present invention is to realize a system which enables to generate allocation criteria of assets by means of machine learning in the event of divorce when customers have forward-looking investment plans, demands renewal of agreement from customers in accordance with regulation, and enables to open a bank account for children in case of a child(ren).
Detailed Description of the Invention
“A Prenuptial Agreement System” realized to fulfil the objective of the present invention is shown in the figure attached, in which: Figure l is a schematic view of the inventive system.
The components illustrated in the figure are individually numbered, where the numbers refer to the following:
1. System
2. Blockchain network
3. Electronic device
4. Application
5. Server
The inventive system (1) for integrating needs of bank customers regarding their prenuptial agreements by means of a banking platform, storing and updating these on a blockchain network, operating financial assets of customers in accordance with the agreements and securing these by banks through legal bases comprises: at least one blockchain network (2) which is configured to store data such as identity information, agreement information of bank customers on at least one block; at least one electronic device (3) which is configured to run at least one application on itself; at least one application (4) which is configured to run on the electronic device (3) and to enable customers to enter their agreement information; at least one server (5) which is configured to run in communication with the application (4) and to put the actions related to the agreement information, that are stored in the blockchain network (2), into effect.
The blockchain network (2) included in the inventive system (1) is configured to comprise blocks including information such as identity information, agreement information of bank customers. The blockchain network (2) is configured to create smart contracts related to transactions that are carried on itself and to manage these contracts.
The electronic device (3) included in the inventive system (1) is configured to run at least one application (4) on itself. The electronic device (3) is a device such as mobile phone, tablet, computer.
The application (4) included in the inventive system (1) runs on the electronic device (3) and it is configured to enable bank customers to enter information related to their prenuptial agreements and their assets over at least one interface.
The server (5) included in the inventive system (1) is in communication with the application (4) and the blockchain network (2) and it is configured to be able to access to information about prenuptial agreements. The server (5) is configured to allocate assets of customers according to articles of agreement and to manage investments of customers in bank accounts, their forward-looking investment plans and parameters of asset allocation in case of divorce. The server (5) is configured to ensure that articles of a prenuptial agreement are executed by a bank and to provide financial coaching service for customers. The server (5) is configured to determine the optimum plan for customers by means of machine learning and to regulate it in accordance with demands of customers. The server (5) is configured to detect all products of customers such as immovable assets, liquid assets, loans and then to ensure that steps -that are predetermined for the related products in agreements- are followed in case of divorce. The server (5) is configured to keep additions, profits, losses of customers in their assets during their marriage in a balance sheet together with a contract product. The server (5) is configured to ensure that bank accounts are opened in the event that persons included in an agreement have no bank accounts, to query their investments in different banks and then incorporate these products into the agreement as well. The server (5) is configured to open a bank account if customers do not have a bank account for their children. The server (5) is configured to give instructions such as the liquid assets to be obtained will be allocated in accordance with the agreement if investments such as real-estate, land are sold and the agreement will be abided by if sales transactions were not carried out, in case of divorce. The server (5) is configured to allocate liquid assets and debts of customers among their children’s accounts in accordance with agreements. The server (5) is configured to create an instruction in order to allocate products of customers in different banks.
Industrial Application of the Invention
In the inventive system (1), bank customers enter their customer information and information related to their prenuptial agreements over the application (4) running on the electronic device (3) at first. The information entered are stored in the blockchain network (2). The server (5) ensures that articles included in prenuptial agreements are executed by banks in the event that their customers get divorced, by communicating with the application (4) and the blockchain network (2).
With the present invention, a system which enables to execute articles of prenuptial agreements of bank customers by banks, to store these in a blockchain network and to allocate the assets of customers in accordance with agreements in consequence of divorce by providing financial coaching for customers is obtained.
The blockchain network (2), the electronic device (3), the application (4) and the server (5) included in the inventive system (1) submit information and approval to the user in accordance with the principles of data privacy and they operate within the scope of the Law on Protection of Personal Data (KVKK).
It is possible to develop various embodiments of the inventive system (1); the invention cannot be limited to examples disclosed herein and it is essentially according to claims.

Claims

1. A system (1) for integrating needs of bank customers regarding their prenuptial agreements by means of a banking platform, storing and updating these on a blockchain network, operating financial assets of customers in accordance with the agreements and securing these by banks through legal bases comprises: at least one blockchain network (2) which is configured to store data such as identity information, agreement information of bank customers on at least one block; at least one electronic device (3) which is configured to run at least one application on itself; and characterized by at least one application (4) which is configured to run on the electronic device (3) and to enable customers to enter their agreement information; at least one server (5) which is configured to run in communication with the application (4) and to put the actions related to the agreement information, that are stored in the blockchain network (2), into effect.
2. A system (1) according to Claim 1; characterized by the blockchain network (2) which is configured to comprise blocks including information such as identity information, agreement information of bank customers.
3. A system (1) according to Claim 1 or 2; characterized by the blockchain network (2) which is configured to create smart contracts related to transactions that are carried on itself and to manage these contracts.
4. A system (1) according to any of the preceding claims; characterized by the electronic device (3) such as mobile phone, tablet, computer which is configured to run at least one application (4) on itself.
5. A system (1) according to any of the preceding claims; characterized by the application (4) which runs on the electronic device (3) and is configured to enable bank customers to enter information related to their prenuptial agreements and their assets over at least one interface.
6. A system (1) according to any of the preceding claims; characterized by the server (5) which is in communication with the application (4) and the blockchain network (2) and is configured to be able to access to information about prenuptial agreements.
7. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to allocate assets of customers according to articles of agreement and to manage investments of customers in bank accounts, their forward-looking investment plans and parameters of asset allocation in case of divorce.
8. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to ensure that articles of a prenuptial agreement are executed by a bank and to provide financial coaching service for customers.
9. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to determine the optimum plan for customers by means of machine learning and to regulate it in accordance with demands of customers.
10. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to detect all products of customers such as immovable assets, liquid assets, loans and then to ensure that steps -that are predetermined for the related products in agreements- are followed in case of divorce.
11. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to keep additions, profits, losses of customers in their assets during their marriage in a balance sheet together with a contract product.
12. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to ensure that bank accounts are opened in the event that persons included in an agreement have no bank accounts, to query their investments in different banks and then incorporate these products into the agreement as well.
13. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to open a bank account if customers do not have a bank account for their children.
14. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to give instructions such as to allocate liquid assets to be obtained, in accordance with the agreement if investments such as real-estate, land are sold and to abide by the agreement if sales transactions were not carried out, in case of divorce.
15. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to allocate liquid assets and debts of customers among their children’s accounts in accordance with agreements.
16. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to create an instruction in order to allocate products of customers in different banks.
PCT/TR2022/050356 2021-04-22 2022-04-21 A prenuptial agreement system WO2022225496A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
TR2021/006965A TR202106965A2 (en) 2021-04-22 2021-04-22 A MARRIAGE CONTRACT SYSTEM
TR2021/006965 TR2021006965A2 (en) 2021-04-22 A MARRIAGE CONTRACT SYSTEM

Publications (1)

Publication Number Publication Date
WO2022225496A1 true WO2022225496A1 (en) 2022-10-27

Family

ID=83366373

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/TR2022/050356 WO2022225496A1 (en) 2021-04-22 2022-04-21 A prenuptial agreement system

Country Status (2)

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TR (1) TR202106965A2 (en)
WO (1) WO2022225496A1 (en)

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110990889A (en) * 2019-11-28 2020-04-10 山东爱城市网信息技术有限公司 Method, equipment and medium based on block chain notarization prenuptial property
CN111161059A (en) * 2019-11-29 2020-05-15 合肥学院 Method for generalizing transaction processing into transaction

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110990889A (en) * 2019-11-28 2020-04-10 山东爱城市网信息技术有限公司 Method, equipment and medium based on block chain notarization prenuptial property
CN111161059A (en) * 2019-11-29 2020-05-15 合肥学院 Method for generalizing transaction processing into transaction

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