Trust management system and method

Abstract

The objective is to provide a trust management system and method. [Solution] The system comprises a delegation module, a trust acceptance module, a beneficiary module, and a trust digital management module, and incorporates automated and smart processing processes. The trust digital management module includes a trust question library, the delegation control interface displays multiple questions from the trust question library, the delegation module provides the user with answers to the multiple questions to the trust digital management module, the trust digital management module generates a digital trust agreement based on the answers returned by the user, and the delegation tracking module sends notification messages to the user according to the application progress, reducing manual errors and improving the efficiency of trust applications and the timeliness of messages.

Description

Technical Field

[0001] The present invention relates to a trust management system and method, and particularly to a trust management system and method for processing digital services.

Background Art

[0002] In the field of trust management, the human integration process plays an important role in professional consulting, financial business, and compliance. In addition, it still depends on manual processing such as submitting trust applications from users, reviewing application contents, editing and creating contracts, and processing application documents. However, conventional trust management systems often lack an immediate application and review mechanism. After a user submits a trust application, it is necessary to spend a lot of time waiting for review and processing, which may not meet the needs and expectations of users for immediate trust applications in the fast-paced financial industry. Regarding the review of application contents and the processing of application documents, it still depends on a lot of manual work, which is inefficient and prone to errors, and may lead to inaccurate information transmission.

[0003] Moreover, the current system cannot provide an effective tracking and notification mechanism, and cannot provide users with the progress of applications, the review results of important documents, or other relevant information in real time. This may result in the inability to transmit information in real time or the user's inability to immediately understand the status of trust processing. In particular, each step and operation of trust management work is often dispersed and lacks integrity. This is also the main cause of poor information flow, inconvenient information sharing, and affecting the efficiency and accuracy of trust management.

[0004] Therefore, the present invention provides a new trust management system and method that can effectively integrate applications, track the progress of trust applications, and timely notify users of relevant information, thereby having industrial applicability and practicality.

Summary of the Invention

Problems to be Solved by the Invention

[0005] To address the challenges of the prior art, the object of the present invention is to provide a trust management system and method that introduces automated and smart processing processes to reduce the need for manual work and improve operational efficiency and message immediacy. [Means for solving the problem]

[0006] The present invention provides a trust management system comprising a trust control interface for receiving user applications for trusts, a trust module including a trust tracking module, and a trust digital management module including a trust question library. The trust control interface displays a plurality of questions from the trust question library, the trust module provides the user with answers to the plurality of questions to the trust digital management module, enabling the trust digital management module to generate a digital trust agreement based on the answers returned by the user, the trust control interface displays the digital trust agreement, notifies the trust digital management module to perform trust financial operations online after the trust module has performed an electronic signature function, and the trust tracking module sends notification messages to the user according to the progress of the application.

[0007] The present invention also provides a trust management system, wherein the notification message notifies the result of a trust financial transaction or notifies the establishment of a trust, the trust financial transaction includes the execution of a fund lock-up, the release of a fund lock-up, transfers and withdrawals and asset transfers, the entrustment module is connected to the trust digital management module and includes an entrustment integration module that displays a number of questions and the digital trust agreement through the entrustment control interface, the entrustment integration module provides an electronic signature function.

[0008] The present invention also provides a trust management system, further comprising a trustee module and a beneficiary module, wherein the trustee module comprises a trustee control interface and a trustee tracking module, the trustee control interface displays the digital trust agreement to the trustee, and after the trustee module performs an electronic signature function, confirms that the trust assets have been transferred to the trustee's trust account and that a notification of the establishment of the trust has been sent to the trustee parties; the beneficiary module comprises a beneficiary control interface and a beneficiary tracking module, the beneficiary control interface displays the digital trust agreement to the beneficiary, and if necessary, the beneficiary submits a certificate or call authorization certificate via the beneficiary control interface to verify whether the trustee has met the trust conditions; the beneficiary tracking module is connected to the trust digital management module, performs periodic management tracking, and after verifying the trustee's trust conditions, notifies the beneficiary.

[0009] The present invention further provides a trust management system, further comprising a management module and an execution module, wherein the management module periodically manages the trust conditions and transmits result notification messages to trust parties, and when the trust conditions are met, the execution module executes the digital trust agreement and transfers the trust assets to the beneficiaries, and the trust management system further comprises a trust generation module, an analysis module, a transaction module and a digital information module, wherein the trust generation module is connected to the analysis module and the digital information module and generates the digital trust agreement, the analysis module analyzes the customer's background and needs through an algorithm and selects a number of questions from the trust question library of the digital information module based on the answers to the user's questions and provides them to the trust generation module, and the transaction module is directly connected to a bank application program interface and executes the trust financial operations.

[0010] The present invention provides a trust management method that performs the following steps: displaying at least one trust question and a digital trust agreement to a user via a trust control interface and obtaining an electronic signature for the user to sign the digital trust agreement; performing the online confiscation of funds in a designated account of the digital trust agreement; after confirming the success of the execution of the trust financial operations, displaying the digital trust agreement to a trustee via a trust control interface and obtaining an electronic signature for the trustee to sign the digital trust agreement; connecting to a bank application program interface, withdrawing funds from the designated account and transferring them to the trustee's account; after confirming the success of the withdrawal, notifying the user of the establishment of the digital trust agreement; performing periodic management of the digital trust agreement; periodically checking whether the execution conditions are met via a trust digital management module and a beneficiary tracking module; and, if the execution conditions are met, the trust digital management module, if necessary, notifies the beneficiary to submit a certificate or a call authorization certificate, the trustee views the certificate on the trust control interface, verifies the certificate online, and then executes the digital trust agreement and transfers the assets to the beneficiary. The trust management system further performs the step of periodically notifying the beneficiary, or in accordance with the terms of the trust agreement, of the submission of one or more certificates or one or more authorization certificates that the trust conditions have been met.

[0011] The present invention also provides a trust management method that performs the following steps: If the withdrawal of a retained payment fails, the trust control interface sends a failure notification message to the settlor; if the trustee refuses or fails to provide the trustee's electronic signature to sign the digital trust agreement within the trust agreement period, the trust control interface sends a failure notification message to the settlor; if the trust agreement contains a provision that the settlor's consent or permission is required for the execution of the trust, the settlor must provide it via the trust control interface, and the trustee can transfer the trust assets through the trust digital management module after receiving the settlor's consent or permission. [Effects of the Invention]

[0012] The trust management system and method implemented by the present invention enable trust parties to perform trust application procedures more conveniently and quickly. The system integrates complex procedures such as fund closure and authentication, as well as cumbersome financial business processes. It introduces automated and smart processing processes, reduces manual errors, and improves the operational efficiency and immediacy of messages required for trust applications. [Brief explanation of the drawing]

[0013] [Figure 1] This is a schematic diagram of the trust management system of the present invention. [Figure 2] This is a system block diagram of the trust management system of the present invention. [Figure 3] This is a configuration diagram of the trust digital management module of the trust management system of the present invention. [Figure 4] This is a flowchart for trust applications for the trust digital management module of the trust management system of the present invention. [Figure 5] This is a flowchart of the trust digital management module of the trust management system of the present invention. [Modes for carrying out the invention]

[0014] The present invention will be described in more detail below with reference to the accompanying drawings and embodiments in order to further clarify its objectives, technical means, and advantages. It will be understood that the specific embodiments described herein are used solely for the purpose of interpreting the present invention and are not intended to limit it.

[0015] Hereinafter, exemplary embodiments of the present invention will be described in more detail with reference to the accompanying drawings illustrating various embodiments of the present invention. However, since the present invention can be embodied in many different forms, the configurations encompassed or claimed by the present invention are not limited to the exemplary embodiments disclosed herein, and the exemplary embodiments are merely illustrative. Similarly, the present invention is intended to provide a reasonably broad scope of claimed or covered inventions. Furthermore, the present invention can also be implemented as a method, apparatus or system, for example. Thus, specific embodiments can take the form of, for example, hardware, software, firmware, or any combination thereof (not known as software).

[0016] For specific embodiments of this specification, please refer to Figure 1, which shows a schematic diagram of the trust management system of the present invention. The present invention provides a trust management system 1. The trust management system 1 comprises a delegation control interface 111, a trust acceptance control interface 121, and a beneficiary control interface 131, which are provided for the operation of the settlor 2, trustee 3, and beneficiary 4, respectively, enabling convenient and rapid trust application and authentication operations. The trust management system 1 can complete financial operations such as fund holding, withdrawal, transfer, and asset transfer with designated trust accounts and financial institutions online, avoiding manual errors and improving the operational efficiency and immediacy of messages required for trust applications.

[0017] Please refer to Figure 2, which shows a system block diagram of the trust management system of the present invention. In a preferred embodiment of the present invention, the trust management system 1 of the present invention includes a delegation module 11, a trustee module 12, a beneficiary module 13, and a trust digital management module 14, wherein the delegation module 11, the trustee module 12, and the beneficiary module 13 process operations and notifications of the settlor 2, the trustee 3, and the beneficiary 4, respectively, and the trust digital management module 14 provides the necessary information in response to requests from these modules 11, 12, and 13, and completes financial operations such as fund closure, withdrawal, transfer, and asset transfer with designated trust accounts and financial institutions online.

[0018] The entrustment module 11 includes an entrustment control interface 111, an entrustment integration module 112, and an entrustment tracking module 113. The entruster 2 can connect to the trust management system 1 of the present invention via a mobile device or various internet-enabled devices, and the entrustment control interface 111 provides related functions such as registration, login and logout functions for the entruster 2, editing of personal information, trust entrustment operations, inquiry of the progress of trust operations, and consent or permission for asset transfer by the trustee, and the entrustment control interface 111 of the entrustment module 11 of the trust management system 1 can receive operations from the entruster 2.

[0019] The entrustment control interface 111 receives input data for the trust service application provided by the entruster 2, provides the application data to the trust digital management module 14, retrieves questions selected by the system question library, displays them to the entruster via the entrustment control interface 111, receives the entruster's answers to the questions, and provides them to the trust digital management module 14. The trust digital management module 14 generates a digital trust agreement based on the entruster's answers to the questions, eliminating the need for cumbersome manual creation and review. The entrustment integration module 112 receives the trust agreement from the trust digital management module 14, displays it to the entruster via the entrustment control interface 111 for review and confirmation, and then instructs the entruster 2 to perform an electronic signature in order to sign the trust agreement. After the entrustment module 11 receives the trust agreement signed by the entruster 2, the transaction module 143 of the trust digital management module 14 executes the fund locking of the entruster 2's account in accordance with the trust agreement.

[0020] When the entrusted module 11 receives a trust application from the entruster 2, the transaction module 143 of the trust digital management module 14 restricts the amount of funds through the trust account or designated bank set by the entruster 2. When restricting the amount of funds through the designated bank set by the entruster 2, before the trust contract is accepted by the trustee 3, the said amount is still deposited in the account of the entruster 2, and after the trustee 3 accepts it and the trust contract is established, it is withdrawn, thus achieving the function of risk management. In an embodiment of the present invention, the transaction module 143 of the trust digital management module 14 determines in real time whether the fund restriction is successful. If the fund restriction fails (for example, the funds have not been deposited into the trustee's account), the entrustment tracking module 113 sends a notice of failure of trust establishment to the entruster 2, requests the entruster 2 to make up the amount up to the restricted amount agreed upon, and before the deadline agreed upon in the trust contract, the transaction module 143 regularly checks whether the fund restriction is successful. If the amount up to the restricted amount agreed upon is not made up within the deadline, the contract will not be established. After the success of the fund restriction, the management module 145 of the trust digital management module 14 performs a customer background KYC review. If the review is passed, the trust digital management module 14 transmits the trust contract to the acceptance module 12.

[0021] Continuing to refer to FIG. 1 and FIG. 2 together, the acceptance module 12 includes an acceptance control interface 121, an acceptance integration module 122, and an acceptance tracking module 123. After the fund restriction procedure of the trust management system 1 of the present invention is completed, the entrustment tracking module 113 of the entrustment module 11 enters the standby stage, and the acceptance module 12 of the trust management system 1 notifies the trustee 3. The acceptance control interface 121 displays the said notice to the trustee 3 and instructs the trustee 3 whether to accept the trust contract. The acceptance control interface 121 of the acceptance module 12 provides functions related to the registration, login, logout, personal information editing, trust business acceptance, inquiry of the progress of trust business, and actual inspection of trust conditions of the trustee 3. After receiving the successful login of the trustee 3, the acceptance control interface 121 displays the content of the signed trust contract to the trustee 3 for viewing and evaluation.

[0022] When the entrustment control interface 121 of the entrusted module 12 receives the response of the trustee 3's rejection of acceptance, the entrusted tracking module 123 of the entrusted module 12 returns the rejection of acceptance to the entrusting module 11. The entrusting tracking module 113 of the entrusting module 11 sends a notice of the failure of the establishment of the trust to the entruster 2, and executes the release of the fund restraint through the transaction module 143 of the trust digital management module 14. When the entrustment control interface 121 of the entrusted module 12 receives the response of the trustee 3's confirmation of acceptance, the entrusted integration module 122 instructs the trustee 3 to execute an electronic signature in order to sign the trust contract. After the entrusted integration module 122 receives the trust contract signed by the trustee 3, the trust management system 1 restrains the trust assets of the entruster 2 and transfers the funds to the trust account of the trustee 3. If the fund transfer fails, the entrusted tracking module 123 notifies the trustee 3 that the trust has not been established yet, sends a notice of the failure of the fund transfer to the trust management system 1, and re-executes the fund transfer. If the fund transfer is successful, the entrusted tracking module 123 notifies the trustee 3 of the establishment of the trust, and also notifies the entrusting tracking module 113 to inform the entruster 2 that the trust has been established.

[0023] After the establishment of the trust is confirmed, the trust digital management module 14 executes the regular management of the trust and the trust content. The regular management of the trust is that the trust digital management module 14 of the trust management system 1 checks whether the conditions are met through the application program and the database platform. The trust conditions, for example, enable the transfer of assets when the beneficiary reaches the age of 20. If the trust conditions are met, the trust content is executed. The trust content can include a plurality of trust conditions and a plurality of asset transfer items.

[0024] Continuing to refer to Figure 2 in conjunction with Figure 1, the trust digital management module 14 of the trust management system 1 checks whether the execution conditions are met through the application program and database platform. If the trust execution conditions are met and the beneficiary is required to provide a certificate, the beneficiary tracking module 133 of the beneficiary module 13 in the trust management system 1 requests the beneficiary 4 to submit the relevant certificate or call authorization certificate via the beneficiary control interface 131, transmits the certificate to the trustee 3 via the trust control interface 121, and the trustee 3 verifies the certificate. The beneficiary control interface 131 provides functions for registering the beneficiary 4, login and logout functions, editing personal information, providing beneficiary information, submitting trust condition certificates, submitting call authorization certificates, and inquiring about the progress of trust operations.

[0025] After receiving confirmation of Beneficiary 4's successful login, the Beneficiary Control Interface 131, if necessary, requests Beneficiary 4 to submit a certificate or call authorization certificate, transmits the certificate to Trustee 3 via the Trustee Control Interface 121, and Trustee 3 verifies the certificate to determine whether the trust conditions are met. If the certificate is incorrect, Beneficiary 4 is requested to resubmit the certificate or call authorization certificate. If it is correct, it indicates that the execution conditions of the trust agreement are met, the Beneficiary Tracking Module 133 notifies Settlor 2 via the Trustee Tracking Module 113, and the Trustee Tracking Module 123 notifies Trustee 3 that the trust will be executed soon, and transfers the trust assets to Beneficiary 4 via the Trust Digital Management Module 14. If the trust agreement stipulates that Settlor 2 must give consent or authentication via the Trustee Control Interface 111 for the execution of the trust, Trustee 3 may transfer the trust assets to Beneficiary 4 via the Trust Digital Management Module 14 after receiving consent or authentication from Settlor 2.

[0026] Referring to Figure 3, which is a system block diagram of the Trust Digital Management Module 14, please also refer to Figure 4, which is a trust application flowchart of the Trust Digital Management Module 14. The Trust Digital Management Module 14 includes a Trust Generation Module 141, an Analysis Module 142, a Transaction Module 143, a Digital Trust Information Module 144, a Management Module 145, and an Execution Module 146. In an embodiment of the present invention, after the entrustment control interface 111 of the Trust Management System 1 receives a registration or trust application request issued by the settlor 2 (S1), the Trust Generation Module 141 of the Trust Digital Management Module 14 generates the forms necessary for the trust contract, and the Analysis Module 142 and the Digital Trust Information Module 144 analyze, add, delete, and update the digital trust question database according to the background information entered by the settlor 2 to select the optimal questions. The selected questions are displayed to the settlor 2 via the entrustment control interface 111 as a reference for generating the contract.

[0027] In a specific embodiment, settlor A provides information to the settlor interface such as male, 42 years old, in the financial industry, and that the purpose of the trust is to plan for the education of his children. Examples of questions used to select database questions for contract generation include: Do you plan to send your children abroad to study? Do you plan to provide your children with regular living expenses? Is the plan designed so that the principal benefits others and the interest benefits yourself? Do you plan to separate the right to claim the distribution of the remaining assets of the couple? Can children from a remarriage also be recognized as additional beneficiaries?

[0028] In another specific embodiment, settlor B provides information to the trust interface such as being 35 years old, a professional soldier, and that the purpose of the trust is to plan for the education of his children, and the following are examples of questions to select from the database: Do you choose to make regular contributions to the trust account? Have you taken out life insurance? If so, will you add the coverage of the insurance contract to the trust account for the education funds? If the settlor dies, can his spouse manage the trust assets on his behalf? Does the trust allow the settlor to withdraw the trust assets? What are the conditions for withdrawal? These are reference questions for contract generation.

[0029] After the entrustment module 11 receives the answers to the settlor 2's questions, it provides them to the trust digital management module 14. The trust generation module 141 of the trust digital management module 14 generates a digital trust agreement based on the answers to the questions and provides it to the settlor 2 for electronic signature through the entrustment module 11. The management module 145 of the trust digital management module 14 accesses the signed trust agreement (S2).

[0030] Referring to Figure 3 in conjunction with Figure 4, after the Trust Digital Management Module 14 receives the signed Trust Agreement, the Transaction Module 143 either confirms with the designated Trust Account based on the withdrawal method previously set by the Settlor 2 in the database, or suspends the bank funds at the designated financial institution (S3). The Transaction Module 143 determines whether the fund suspension was successful (e.g., whether the deposit was made), and the fund suspension is determined in real time (S4). If the fund suspension fails (e.g., the deposit was not made), the Transaction Module 143 sends a fund suspension failure notification (e.g., notifying the Settlor 2 that the deposit was not made) via the Settlor Tracking Module 113, and requests Settlor 2 to compensate up to the agreed-upon suspended amount. If the agreed-upon suspended amount is not compensated by the deadline stipulated in the Trust Agreement, the Trust Agreement becomes invalid. If the fund lock-up is successful, the management module 145 determines whether the settlor 2 has passed the Know Your Customer (KYC) review. If the review has not been passed, the management module 145 sends a notification to settlor 2 via the trust tracking module 113 that the trust has not yet been established and notifies settlor 2 via the settlor module 11 to resubmit the KYC information. If the Know Your Customer (KYC) review is passed (S5), the management module 145 transmits the approved trust agreement to trustee 3 via the trust integration module 122 for evaluation (S6). Once trustee 3 agrees to accept and completes signing the agreement, the trust is established, and any trust agreements that trustee 3 has not agreed to accept become "not established".

[0031] Referring to Figure 4 in conjunction with Figure 3, when the trust control interface 121 receives the trust agreement signed by trustee 3, it transmits it to the management module 145 of the trust digital management module 14 via the trust integration module 122 for storage and recording (S7). The transaction module 143 then debits the amount to trustee 3's account via an authentication mechanism, such as electronic direct debit authorization (also known as eDDA), or via a designated bank interface set up by the settlor 2, or by connecting to a bank application program interface (S8). After the trust integration module 122 receives confirmation of receipt from trustee 3, the management module 145 notifies trustee 3 of the establishment of the trust via the trust tracking module 123 and notifies settlor 2 of the establishment of the trust via the trust tracking module 113 (S9). The management module 145 and execution module 146 of the trust digital management module 14 perform matters such as periodic management of the trust and subsequent trust execution (S10).

[0032] Please refer to Figure 5, which is a flowchart of the trust digital management module of the trust management system of the present invention. The management module 145 of the trust digital management module 14 performs periodic management after the trust is established and, when trust execution conditions are required, periodically checks whether the execution conditions are met via the necessary interface or database platform (S11). In embodiments of the present invention, the database platform is used in combination with the provision of the relevant personalized data of the present invention, to provide the public with downloads of diverse information, online services, or publication of personalized data stored by government agencies. The execution conditions are the conditions for trust execution and are exemplified below.

[0033] In a specific embodiment, settlor C establishes a trust, Article 1 agrees to contribute a reserved amount to the trust account each month, and Article 2 agrees that when the daughter turns 20, the trust will stop the account withdrawal and contribute 8% of the trust funds annually from settlor C's account to the beneficiary's (daughter's) designated account. The trust management system will check the trust agreement on the 15th of each month after its establishment and will notify the beneficiary (daughter) to allow the verification of her family register information on the platform until she turns 20. If it is confirmed that the beneficiary is under 20, the system will automatically withdraw funds from settlor C's account, and once it is confirmed that the beneficiary (daughter) has turned 20, the management system will notify the trustee that the trust conditions have been verified. If the trustee verifies that the trust conditions have been met, the trustee will execute the trust and notify all trust parties.

[0034] The execution module 146 of the trust digital management module 14 executes the trust on the maturity date in accordance with the terms and conditions of the trust agreement, or notifies the beneficiary to log in to the beneficiary module and submit a certificate of trust conditions or a call authorization certificate when the trust conditions are met, and the execution module 146 notifies the trustee 3 that the certificate has been verified (S12). After successful verification, the execution module 146 soon notifies the settlor 2 via the entrustment tracking module 113, the trustee 3 via the trustee tracking module 123, and the beneficiary 4 via the beneficiary tracking module 133 that the trust has been executed, and transfers the trust assets to beneficiary 4 through the execution module 146 (S13). If verification fails, the system periodically re-verifies the execution conditions.

[0035] The technical features of the embodiments described above can be combined in any way, but for the sake of simplicity, not all possible combinations of the technical features of the embodiments described above are described. However, as long as these combinations of technical features are inconsistent, they are considered to fall within the scope described herein.

[0036] The embodiments described above represent only a few implementations of the present invention, and although the descriptions are relatively specific and detailed, this should not be understood as limiting the scope of the patent for the present invention. Those skilled in the art should note that several modifications and improvements can be made without departing from the technical spirit of the present invention, and all such modifications and improvements fall within the scope of the patent for the present invention. Accordingly, the scope of the patent for the present invention shall be based on the appended claims.

[0037] Unless otherwise defined, all technical and scientific terms used herein have the same meanings as those commonly understood by those skilled in the art to which the present invention pertains. The terms used in this specification are for the sole purpose of describing specific embodiments and are not intended to limit the invention. As used herein, the term "and / or" includes any combination of one or more of the related items listed.

[0038] Aspects of the present invention are described below with reference to flowcharts and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the present invention. Each block in the flowchart and / or block diagram, and combinations of blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions may be provided to a general-purpose computer, a dedicated computer, or a processor of another programmable data processing device to produce a machine, such that instructions executed via the processor of the computer or other programmable data processing device generate means for implementing the functions / actions defined in the blocks or combinations of blocks in the flowchart and / or block diagram.

[0039] These computer program instructions may also be stored in a computer-readable medium that can instruct a computer, other programmable data processing device, or other device to function in a particular manner to produce a product that includes instructions for implementing functions / actions defined in one or more blocks of a flowchart and / or block diagram. [Explanation of Symbols]

[0040] 1. Trust Management System 11. Delegated Modules 111 Delegated Control Interface 112 Delegated Integration Module 113 Commissioned Tracking Module 12 Contract Modules 121 Contract Control Interface 122 Contract Integration Module 123 Contract Tracking Module 13 Beneficiary Modules 131 Beneficiary Control Interface 132 Beneficiary Integration Module 133 Beneficiary Tracking Module 14 Trust Digital Management Module 141 Trust Generation Module 142 Analysis Modules 143 Trading Modules 144 Digital Information Module 145 Management Modules 146 Executable Modules 2 Consignor 3 Trustee 4 Beneficiaries S1~S13 Step

Claims

1. A trust module including a trust control interface for receiving user applications for trusts and a trust tracking module, Trust digital management module including trust question library and A trust management system equipped with, The delegation control interface displays multiple questions from the trust question library, the delegation module provides the user with answers to the multiple questions to the trust digital management module, and the trust digital management module generates a digital trust agreement based on the answers returned by the user. The entrustment control interface displays the digital trust agreement, and after the entrustment module performs the electronic signature function, notifies the trust digital management module to perform trust financial operations online. The aforementioned commission tracking module sends notification messages to the user according to the progress of the application. Trust management system.

2. The trust management system according to claim 1, wherein the notification message notifies the result of trust financial operations or notifies the establishment of a trust.

3. The trust management system according to claim 1, wherein the trust finance operations include any of the following: execution of fund restraint, release of fund restraint, withdrawal, transfer, and withdrawal and asset transfer.

4. The trust management system according to claim 1, wherein the entrustment module is connected to the trust digital management module and includes an entrustment integration module that displays a plurality of questions and the digital trust agreement through the entrustment control interface, and the entrustment integration module provides an electronic signature function.

5. The trust management system according to claim 1, further comprising a trust module including a trust control interface and a trust tracking module, wherein the trust control interface displays the digital trust agreement to the trustee, and after the trust module performs an electronic signature function, confirms that the trust assets have been transferred to the trustee's trust account and that a notice of trust establishment has been sent to the settlor and the trustee.

6. The trust management system according to claim 1, further comprising a beneficiary module including a beneficiary control interface and a beneficiary tracking module, wherein the beneficiary control interface displays the digital trust agreement to the beneficiary, the beneficiary module receives one or more certificates or one or more call authorization certificates submitted by the beneficiary, and the beneficiary tracking module is connected to the trust digital management module to perform periodic management tracking and notify the beneficiary.

7. The trust management system according to claim 6, wherein the trust digital management module, when the trust agreement conditions are met, notifies the trustee that the certificate or the call permission certificate submitted by the beneficiary has been verified on the trustee control interface, notifies the trust parties that the digital trust agreement has been executed, and transfers the trust assets to the beneficiary.

8. The trust management system according to claim 6, further comprising a management module and an execution module, wherein the management module manages the trust conditions, performs the periodic management and transmits notification messages to the entrusting module and the trustee module, and when the trust conditions are met, the execution module executes the digital trust agreement and transfers the trust assets to the beneficiaries.

9. A trust management system according to claim 1, further comprising a trust generation module, an analysis module, a transaction module, and a digital information module, wherein the trust generation module is connected to the analysis module and the digital information module and generates the digital trust agreement, the analysis module analyzes the user's background and needs and selects a plurality of questions from the trust question library of the digital information module based on the user's answers to questions and provides them to the trust generation module, and the transaction module is connected to a bank application program interface to perform the trust financial operations.

10. A step of displaying at least one trust question and a digital trust agreement to the settlor via a delegation control interface, and obtaining an electronic signature of the delegation for the settlor to sign the digital trust agreement, The steps of executing the online confiscation and withdrawal of funds from the designated account of the aforementioned digital trust agreement, After confirming the success of the execution of the trust finance business, the steps include: displaying the digital trust agreement to the trustee via the trustee control interface and obtaining the trustee's electronic signature to sign the digital trust agreement; The steps include: the funds being withdrawn from the designated account and transferred to the trustee's account; After confirming that the withdrawal was successful, the user is notified that the digital trust agreement has been concluded, and Steps to perform periodic management of the aforementioned digital trust agreement A trust management method that implements this.

11. The aforementioned trust management system is The trust management method according to claim 10, further comprising the step of periodically notifying the beneficiary of the submission of one or more certificates or one or more authorization certificates that the trust conditions are met, or in accordance with the terms of the trust agreement.

12. The aforementioned trust management system is A step of periodically checking whether the execution conditions are met via the aforementioned trust digital management module and beneficiary tracking module, When the execution conditions are met, the trustee performs the step of verifying one or more certificates on the trustee control interface, and After verifying the aforementioned certificate online, the digital trust agreement is executed and the assets are transferred to the aforementioned beneficiary. The trust management method according to claim 10, further implemented.

13. The trust management method according to claim 10, wherein if the withdrawal of a retained payment fails, the trust management system further performs the step of sending a failure notification message to the trustee via the trust control interface.

14. The trust management method according to claim 10, wherein if the trust management system fails to provide the trustee's electronic signature for signing the digital trust agreement, the trust control interface further performs the step of sending a failure notification message to the trustee.

15. The trust management method according to claim 10, wherein if the digital trust agreement contains a provision that the settlor's consent or permission is required for the execution of the trust, the settlor must provide this through the trust control interface, and the trustee can transfer the trust assets through the trust digital management module after receiving the settlor's consent or permission.

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