US-20260127690-A1 - TRUST MANAGEMENT SYSTEM AND METHOD

US20260127690A1US 20260127690 A1US20260127690 A1US 20260127690A1US-20260127690-A1

Abstract

Provided are a trust management system and method, including a settlor module, a trustee module, a beneficiary module and a trust digital management module and effective in introducing automated and intelligent processing processes. The trust digital management module includes a trust-related question bank. The settlor control interface presents a plurality of questions of the trust-related question bank. The settlor module provides the trust digital management module with answers given by the client to the questions to allow the trust digital management module to create a digital trust agreement according to the answers. The settlor tracking module sends a message notification to the client according to application progress to reduce the need for human interventions, enhance trust application efficiency, and enable information to be real-time.

Inventors

Wei Lin

Assignees

JOINVEST CO., LTD.

Dates

Publication Date: 20260507
Application Date: 20241105

Claims (15)

1 . A trust management system, comprising: a settlor module comprising a settlor control interface and a settlor tracking module, the settlor control interface receiving a trust application filed by a client; and a trust digital management module comprising a trust-related question bank, wherein the settlor control interface presents a plurality of questions of the trust-related question bank, and the settlor module provides answers to the questions by the client to the trust digital management module so as to allow the trust digital management module to create a digital trust agreement according to the answers, wherein the settlor control interface presents the digital trust agreement, the settlor module performs electronic signature function, and then notify the trust digital management module to conduct trust financial business online, wherein the settlor tracking module issues a message notification to the client according to application progress.
2 . The trust management system of claim 1 , wherein the message notification is about a result of the trust financial business or about completion of creation of a trust.
3 . The trust management system of claim 1 , wherein the trust financial business comprises one of a crediting, an undoing crediting, a debiting, a remittance and an assets transfer.
4 . The trust management system of claim 1 , wherein the settlor module further comprises a settlor integration module connected to the trust digital management module and adapted to provide electronic signature function, and the settlor integration module presents a plurality of questions and the digital trust agreement through the settlor control interface.
5 . The trust management system of claim 1 , further comprising a trustee module comprising a trustee control interface and a trustee tracking module, wherein the trustee control interface presenting the digital trust agreement to a trustee, the trustee module executing the electronic signature function and then confirming that trust assets have been remitted to a trust account of the trustee to issue a trust creation notification to the settlor and the trustee.
6 . The trust management system of claim 1 , further comprising a beneficiary module comprising a beneficiary control interface and a beneficiary tracking module, wherein the beneficiary control interface presenting the digital trust agreement to a beneficiary, the beneficiary module receiving one or more supporting documents provided by the beneficiary or authorizing one or more supporting documents retrieved, and the beneficiary tracking module connecting to the trust digital management module to perform regular management tracking and notify the beneficiary.
7 . The trust management system of claim 6 , wherein, when trust agreement conditions are met, the trust digital management module notifies the trustee of its obligation to verify on the trustee control interface the supporting document(s) provided by the beneficiary or authorize the supporting document(s) retrieved and notify trust-related parties of executing the digital trust agreement and transferring trust assets to the beneficiary.
8 . The trust management system of claim 6 , wherein the trust digital management system further comprises a management module and an execution module, wherein the management module managing the trust conditions, managing the regular management and sending the message notification to the settlor module and the trustee module, wherein, when the trust conditions are met, the execution module executes the digital trust agreement and transfers trust assets to the beneficiary.
9 . The trust management system of claim 1 , wherein the trust digital management system further comprises a trust creation module, an analysis module, a transaction module and a digital information module, wherein the trust creation module linked to the analysis module and the digital information module to create the digital trust agreement, with the analysis module analyzing client background and needs, selecting the plurality of questions from the trust-related question bank of the digital information module according to the answers, and sending the plurality of questions to the trust creation module, the transaction module to be series-connected to a bank app interface to conduct the trust financial business.
10 . A trust management method, comprising the steps of: presenting at least one trust question and a digital trust agreement to a settlor through a settlor control interface to obtain a settlor electronic signature affixed by the settlor to the digital trust agreement; executing online crediting and debiting of a designated account of the digital trust agreement; confirming successful execution of the trust financial business and then presenting the digital trust agreement to a trustee through a trustee control interface to obtain a trustee electronic signature affixed by the trustee to the digital trust agreement; debiting the designated account and remitting money to an account of the trustee; notifying, upon confirmation of successful debiting, the client of creation of the digital trust agreement; and executing regular management of the digital trust agreement.
11 . The trust management method of claim 10 , wherein the trust management system further performs the step of notifying, by a trust digital management module, regularly or according to the trust agreement, a beneficiary of its obligation to provide one or more supporting documents or authorize one or more retrieved supporting documents about trust conditions having been met.
12 . The trust management method of claim 10 , wherein the trust management system further performs the steps of: inquiring, through a trust digital management module and a beneficiary tracking module, regularly about whether trust conditions are met; verifying one or more supporting documents by the trustee on the trustee control interface when the trust conditions are met; and executing the digital trust agreement and transferring trust assets to a beneficiary upon online verification of the supporting document(s).
13 . The trust management method of claim 10 , wherein the trust management system further performs the step of: issuing by the settlor control interface a failure information notification to the settlor if crediting and debiting fail.
14 . The trust management method of claim 10 , wherein the trust management system further performs the step of: issuing by the settlor control interface a failure information notification to the settlor if the trustee does not provide the trustee electronic signature affixed to the digital trust agreement.
15 . The trust management method of claim 10 , wherein, when the digital trust agreement stipulates that trust execution requires the settlor's consent or authorization of the trust execution, the settlor has to provide consent to or authorize the trust execution through the settlor control interface, wherein a trust digital management module transfers trust assets only after the trustee has received the consent or authorization from the settlor.

Description

BACKGROUND OF THE INVENTION Field of the Invention The present disclosure relates to trust management systems and methods, and more particularly to a trust management system and method for processing digital services. Description of the Prior Art In the field of trust management, human-initiated integration processes play an important role in professional consultation, financial business and legal compliance. Furthermore, trust management relies on human-initiated processing processes, such as filing trust applications by clients, reviewing application contents, drafting and revising agreements, and processing application documents. However, existing trust management systems rarely come with a real-time application and examination mechanism. As a result, after receiving trust applications from clients, existing trust management systems have to spend much time waiting for examination and processing and thus fail to meet the clients'needs and expectations for real-time trust application in the rapid financial realm. Trust management relies heavily on human-initiated processing processes, such as examining application contents and processing application documents, and thus is inefficient as well as liable to errors and inaccurate information transmission. Furthermore, existing systems cannot provide any effective tracking and notification mechanism and thus cannot provide application progress, examination results of important documents or other related information to clients in real time, precluding information from being real-time and clients from being aware of the state and result of trust processing in real time. In particular, steps and operations of trust management are discrete and lack integration to the detriment of information flow and information sharing, which in turn is a major reason affecting efficiency and precision of the trust management. The disclosure is aimed at providing a novel trust management system and method effective in integrating applications, tracking trust application progress, and notifying a client of related information timely. Therefore, the disclosure has high industrial applicability and practicability. SUMMARY OF THE INVENTION In view of the aforesaid drawbacks of the prior art, it is an objective of the disclosure to provide a trust management system and method effective in introducing automated and intelligent processing processes, reducing the need for human interventions, and enhancing efficiency and Information timeliness. The disclosure provides a trust management system comprising: a settlor module comprising a settlor control interface and a settlor tracking module, the settlor control interface receiving a trust application filed by a client; and a trust digital management module comprising a trust-related question bank, wherein the settlor control interface presents a plurality of questions of the trust-related question bank, and the settlor module provides answers to the questions by the client to the trust digital management module so as to allow the trust digital management module to create a digital trust agreement according to the answers, wherein the settlor control interface presents the digital trust agreement to allow the settlor module to perform electronic signature function and then notify the trust digital management module of conducting trust financial business online, wherein the settlor tracking module issues a message notification to the client according to application progress. The disclosure further provides a trust management system, wherein the message notification is about a result of the trust financial business or about completion of creation of a trust. The trust financial business comprises one of a crediting, an undoing crediting, a debiting, a remittance and an assets transfer. The settlor module further comprises a settlor integration module connected to the trust digital management module and adapted to provide electronic signature function, and the settlor control interface presents a plurality of questions and the digital trust agreement. The disclosure further provides a trust management system further comprising: a trustee module comprising a trustee control interface and a trustee tracking module, the trustee control interface presenting the digital trust agreement to a trustee, the trustee module executing the electronic signature function and then confirming that trust assets have been remitted to a trust account of the trustee to issue a trust creation notification to a trust-related party; a beneficiary module comprising a beneficiary control interface and a beneficiary tracking module, the beneficiary control interface presenting the digital trust agreement to a beneficiary, the beneficiary providing one or more supporting documents as needed through the beneficiary control interface or authorizing one or more supporting documents retrieved in order for the trustee to verify whether the trust conditions are met, and the be