TWI875055B - Trust management system and method - Google Patents

Abstract

The purpose of the present invention is to provide a trust management system and method, including a trust module, a trustee module, a beneficiary module and a trust digital management module, introducing an automated and intelligent processing process, wherein the trust digital management module includes a trust question bank; wherein the trust control interface presents a plurality of questions in the trust question bank, and the trust module provides the user's answers to the questions to the trust digital management module, so that the trust digital management module generates a digital trust contract according to the user's answers, and the trust tracking module sends a message notification to the user according to the application progress, thereby reducing the need for manual participation and improving operation efficiency and message timeliness.

Description

Trust management system and method

The present invention relates to a trust management system and method, and in particular to a trust management system and method for processing digital services.

In the field of trust management, human integration processes play an important role in professional consultation, financial business and regulatory compliance. In addition, it also relies on manual processing operations such as users submitting trust applications, reviewing application content, editing and writing contracts, and processing application documents. However, existing trust management systems often lack real-time application and review mechanisms. After users submit trust applications, they need to spend a lot of time waiting for review and processing, which may not meet the needs and expectations of users for real-time trust applications in the fast-paced financial world. In terms of reviewing application content and processing application documents, a large amount of manual processing operations are still relied on, which may lead to inefficiency, easy errors and inaccurate information transmission.

In addition, the current system fails to provide an effective tracking and notification mechanism, and is unable to provide users with application progress, review results of important documents or other relevant information in real time. This may result in information not being timely or users not being able to understand the status and results of trust processing in real time. In particular, the various steps and operations of trust management are often scattered and lack integration. This also leads to poor information flow and inconvenient information sharing, which in turn affects the efficiency and accuracy of trust management.

Therefore, this invention aims to provide a new trust management system and method that can effectively integrate applications, track the progress of trust applications, and promptly notify users of relevant information, which will have industrial utilization and practicality.

In order to solve the problems in the existing technology, the purpose of this invention is to provide a trust management system and method, introduce an automated and intelligent processing process, reduce the need for manual participation, and improve operational efficiency and information timeliness.

The present invention provides a trust management system comprising: a delegation module, the delegation module comprising a delegation control interface and a delegation tracking module, the delegation control interface receiving a user's trust application; and a trust digital management module, the trust digital management module comprising a trust question bank; wherein the delegation control interface presents a plurality of questions in the trust question bank, and the delegation module sends the user's replies to the questions to the user. The answer to the question is provided to the trust digital management module, so that the trust digital management module generates a digital trust contract according to the answer given by the user; wherein the entrustment control interface presents the digital trust contract, and after the entrustment module executes the electronic signature function, it notifies the trust digital management module to execute the trust financial business online; wherein the entrustment tracking module sends a message notification to the user according to the application progress.

The present invention also provides a trust management system, wherein the message notification is to notify the result of the trust financial business, or to notify the establishment of the trust; the trust financial business includes a top-up, a top-up release, a remittance, a deduction, and an asset transfer; the entrustment module further includes a trust integration module, the entrustment integration module is connected to the trust digital management module, and presents a plurality of questions and the digital trust contract through the entrustment control interface, and the entrustment integration module provides an electronic signature function.

The present invention further provides a trust management system, which further includes a trustee module, which includes: a trustee control interface and a trustee tracking module; wherein the trustee control interface presents the digital trust contract to a trustee, and after the trustee module performs the electronic signature function, it confirms that the trust assets are imported into the trustee's trust account and has issued a trust establishment notice to a trustee; a beneficiary module, which includes Contains: a benefit control interface and a benefit tracking module; wherein the benefit control interface presents the digital trust contract to a beneficiary. If necessary, the beneficiary can provide certification documents or authorize the access to certification documents through the benefit control interface for the trustee to verify whether the trust conditions are met. The benefit tracking module is connected to the trust digital management module, performs regular management tracking and notifies the beneficiary after the trustee verifies the trust conditions.

The present invention further provides a trust management system, which further includes a management module and an execution module; wherein the management module regularly manages the trust conditions and transmits the result message notification to the trust relationship person, and when the trust conditions are met, the execution module executes the digital trust contract and transfers the trust assets to the beneficiary; a trust generation module, an analysis module, a transaction module and a digital information module; wherein the trust generation module The analysis module is linked to the digital information module to generate the digital trust contract. The analysis module analyzes the customer's background and needs through an algorithm and selects the multiple questions from the trust question bank of the digital information module according to the answers to the user's questions to provide the generation module. The transaction module is connected to the electronic authorization of the Taiwan Clearing House and a bank application program interface, or directly connected to a bank application program interface to carry out the trust financial business.

The present invention provides a trust management method, which performs the following steps: presenting at least one trust problem and a digital trust contract to a user through a trust control interface to obtain an electronic signature of the user signing the digital trust contract; executing a designated account of the digital trust contract online to make a deposit; after confirming the successful execution of the trust financial business, The trustee control interface presents the digital trust contract to a trustee to obtain an electronic signature of the trustee signing the digital trust contract; through the electronic authorization of the Taiwan Clearing House and a bank application program interface, or directly with a bank application program interface, the designated account is deducted and transferred to the trustee's account; after confirming that the deduction is successful, the trustee is notified The user establishes the digital trust contract; performs regular management of the digital trust contract; regularly checks whether an execution condition is met through a trust digital management module and a beneficiary tracking module; when the execution condition is met, if necessary, the trust digital management module notifies a beneficiary to provide certification documents or authorizes access to certification documents, and the trustee After browsing the certification document in person and verifying the certification document online, execute the digital trust contract to transfer the assets to the beneficiary; the trust management system further executes the following steps: the trust digital management module regularly notifies or notifies a beneficiary in accordance with the trust contract to provide one or more certification documents to meet the trust conditions or authorize one or more verification documents to be reviewed.

The present invention also provides a trust management method, which performs the following steps: if the deduction fails, the entrustment control interface will send a failure information notification to the entrustor; if the trustee refuses or fails to provide the entrustee's electronic signature to sign the digital trust contract within the trust agreement period, the entrustment control interface will send a failure information notification to the entrustor; if the trust contract stipulates that the execution of the trust requires the entrustor's consent or authorization, the entrustor must provide it through the entrustment control interface, and the trustee can transfer the trust assets through the trust digital management module only after receiving the entrustor's consent or authorization.

The trust management system and method implemented by the present invention can provide trust parties with a more convenient and rapid trust application process. The system integrates complex procedures such as deposit and authorization to handle cumbersome financial business processes, introduces automated and intelligent processing, reduces errors caused by manual participation, and improves the operational efficiency and information timeliness required for trust application.

1: Trust management system

11: Commission module

111: Delegated control interface

112: Entrusted integration module

113: Commission tracking module

12: Trustee module

121: Trusted Control Interface

122: Trusted integration module

123: Trusted Tracking Module

13:Benefit module

131:Benefit control interface

132:Benefit integration module

133:Benefit tracking module

14: Trust digital management module

141: Trust generation module

142:Analysis module

143: Trading module

144: Digital information module

145: Management module

146: Execution module

2: Client

3: Trustee

4: Beneficiary

S1~S13: Steps

Figure 1 is a schematic diagram of the trust management system of the present invention.

Figure 2 is a system block diagram of one of the trust management systems of the present invention.

Figure 3 is a diagram of the architecture of the trust digital management module of the trust management system of the present invention.

Figure 4 is a trust application flow chart of the trust digital management module of the trust management system of the present invention.

Figure 5 is a flow chart of the trust digital management module of the trust management system of the present invention.

In order to make the purpose, technical solution and advantages of the present invention more clearly understood, the present invention is further described in detail below in conjunction with the attached drawings and specific implementation methods. It should be understood that the specific implementation methods described here are only used to explain the present invention and do not limit the scope of protection of the present invention.

The present invention will be described more fully below with reference to the drawings, and specific exemplary embodiments will be shown by way of example. However, the present invention may be embodied in many different forms, and therefore the construction covered or applied for the present invention is not limited to any exemplary embodiment disclosed in this specification; the exemplary embodiments are merely illustrative. Similarly, the present invention is to provide a reasonably broad scope for the invention applied for or covered. In addition, for example, the present invention may be embodied as a method, device or system. Therefore, the specific embodiments may take the form of, for example, hardware, software, firmware or any combination of these (known not to be software).

According to the specific implementation example of this specification, please refer to Figure 1, which is a schematic diagram of the trust management system of the present invention. The present invention provides a trust management system 1, which has a trust control interface 111, a trustee control interface 121 and a beneficiary control interface 131. These interfaces 111, 121, and 131 are respectively provided to the trustor 2, the trustee 3, and the beneficiary 4 for operation, so that the trust application and authorization operations can be carried out conveniently and quickly, and the trust management system 1 can complete the financial business such as deposit, deduction, remittance, and asset transfer online with the financial machine, eliminating the errors caused by manual participation and improving the operational efficiency and information timeliness required for applying for the trust.

Please refer to Figure 2, which shows a system block diagram of the trust management system of the present invention. In the preferred embodiment of the present invention, the trust management system 1 of the present invention includes a trust module 11, a trustee module 12, a beneficiary module 13 and a trust digital management module 14, wherein the trust module 11, the trustee module 12 and the beneficiary module 13 respectively process the operations and notifications of the trustor 2, the trustee 3 and the beneficiary 4, and the trust digital management module 14 provides the necessary information in response to the requests of the modules 11, 12 and 13, and completes the financial operations such as deposit, deduction, remittance, asset transfer and the like with the financial institutions online.

The entrustment module 11 includes an entrustment control interface 111, an entrustment integration module 112 and an entrustment tracking module 113. The entrustor 2 can connect to the trust management system 1 of the present invention through a mobile device or various network-connected devices. The entrustment control interface 111 provides the entrustor 2 with functions such as registration, login and logout, editing personal information, entrusting trust business, querying the progress of trust business, agreeing or authorizing the trustee to transfer assets, etc., and the entrustment control interface 111 of the entrustment module 11 of the trust management system 1 can receive the operations of the entrustor 2.

The entrustment control interface 111 receives the input data provided by the entrustor 2 for applying for the trust service, and provides the application data to the trust digital management module 14 to obtain the questions selected by the system question library, and displays them to the entrustor through the entrustment control interface 111, so as to receive the entrustor's answers to the questions and provide them to the trust digital management module 14. The trust digital management module 14 generates a digital trust contract based on the entrustor's answers to the questions, without the need for tedious manual writing and review. The entrustment integration module 112 receives the trust contract from the trust digital management module 14, and after the entrustment control interface 111 displays it to the entrustor for review and confirmation, the entrustment integration module 112 will instruct the entrustor 2 to execute the electronic signature to sign the trust contract. After the entrustment module 11 receives the trust contract signed by the entrustor 2, the transaction module 143 of the trust digital management module 14 will execute the credit to the entrustor 2's account in accordance with the trust contract.

The deposit operation is that when the entrusting module 11 receives the entrustment from the entruster 2 to apply for a trust, the transaction module 143 of the trust digital management module 14 deposits the entrusted trust asset amount through the designated bank of the financial institution set by the entruster 2. Before the trust contract is taken over by the trustee 3, the amount remains in the account of the entruster 2. The deduction will be completed only when the trust contract is established after the trustee 3 takes over, so as to achieve the function of risk control. In one embodiment of the present invention, the transaction module 143 of the trust digital management module 14 will make a timely judgment when executing the deduction of the deposit. If the deposit fails, for example, the account of the trustee 2 does not have enough money to execute the deposit, the trust tracking module 113 will notify the trustee 2 of a trust establishment failure notification and require the trustee 2 to make up the agreed deposit amount. Before the agreed period of the trust contract, the transaction module 143 will regularly confirm whether the deposit is successful. If the agreed deposit amount is not made up within the time limit, the contract will not be established. After the deposit is successful, the management module 145 of the trust digital management module 14 will conduct a KYC review of the customer's background. If the review is passed, the trust digital management module 14 will pass the trust contract to the trustee module 12.

Please continue to refer to FIG. 2 in conjunction with FIG. 1. The trustee module 12 includes a trustee control interface 121, a trustee integration module 122, and a trustee tracking module 123. When the trust management system 1 of the present invention is completed, the trust tracking module 113 of the trust module 11 will enter a waiting phase, and the trustee module 12 of the trust management system 1 will notify a trustee 3. The trustee control interface 121 will present the notification to the trustee 3 and instruct the trustee 3 whether to accept the trust contract. The trustee control interface 121 of the trustee module 12 provides the trustee 3 with functions such as registration, login and logout, editing personal information, accepting trust business, checking trust business progress, and verifying trust conditions. After receiving the trustee 3's successful login, the trustee control interface 121 presents the signed trust contract content to the trustee 3 for browsing and evaluation.

If the trustee control interface 121 of the trustee module 12 receives a response from the trustee 3 that the trustee 3 refuses to accept the trust, the trustee tracking module 123 of the trustee module 12 reports the refusal to accept the trust to the entrusting module 11, and the entrusting tracking module 113 of the entrusting module 11 provides the entrusting party 2 with a trust establishment failure notification, and executes the release of the deposit through the transaction module 143 of the digital management module 14; if the trustee control interface 121 of the trustee module 12 receives a response from the trustee 3 that the trustee 3 confirms the acceptance, the trustee integration module 122 instructs the trustee 3 to execute an electronic signature to sign the trust contract. After the trustee integration module 122 receives the trust contract signed by the trustee 3, the trust management system 1 will transfer the trust assets of the principal 2 to the trust account of the trustee 3. If the deposit fails, the trustee tracking module 123 will notify the trustee 3 that the trust has not been established, and report a deposit failure notification to the trust management system 1, and re-execute the transfer; if the deposit is successful, the trustee tracking module 123 will notify the trustee 3 that the trust is established, and notify the principal tracking module 113 to notify the principal 2 that the trust has been established.

After the trust is established, the trust digital management module 14 will conduct periodic trust management and execute the trust content. Periodic trust management is the trust digital management module 14 of the trust management system 1 querying whether the conditions have been met through the application and database platform. The trust conditions are, for example, that the asset transfer is initiated when the beneficiary reaches the age of 20. If the trust conditions have been met, the trust content is executed. The trust content can have multiple trust conditions and multiple asset transfer items.

Please continue to refer to Figure 2 in conjunction with Figure 1. The trust digital management module 14 of the trust management system 1 will query whether the execution conditions are met through the application and database platform. If the trust execution conditions are met and the beneficiary is required to provide certification documents, the benefit tracking module 133 of the benefit module 13 in the trust management system 1 will require the beneficiary 4 to provide relevant certification documents or authorize the access to certification documents through the benefit control interface 131, and transmit the certification documents to the trustee 3 through the trustee control interface 121, and the trustee 3 will verify the certification documents. The beneficiary control interface 131 provides functions such as beneficiary 4 registration, login and logout, editing personal information, providing beneficiary information, providing trust condition certification documents, providing access to authorization certification documents, and querying trust business progress.

After receiving the successful login of beneficiary 4, if necessary, the beneficiary control interface 131 further requires beneficiary 4 to provide certification documents or authorize the access to certification documents, and transmits the certification documents to trustee 3 through the trustee control interface 121, and the trustee 3 verifies the certification documents to determine whether the trust conditions are met. If the certification documents are incorrect, the beneficiary 4 is requested to provide certification documents or authorize the access to certification documents again. If there are no errors, it means that the trust contract execution conditions have been met. The beneficiary tracking module 133 notifies the principal 2 through the trust tracking module 113 and the trustee tracking module 123 to notify the trustee 3 that the trust will be executed, and transfers the trust assets to the beneficiary 4 through the trust digital management module 14. If the trust contract stipulates the execution of the trust, the trustor 2 needs to provide consent or authorization through the trust control interface 111. After the trustee 3 receives the consent or authorization from the trustor 2, it can transfer the trust assets to the beneficiary 4 through the trust digital management module 14.

Please refer to FIG. 3, which is a system block diagram of the trust digital management module 14, and please refer to FIG. 4, which is a flow chart of the trust digital management module 14 for applying for a trust. 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, wherein the trust generation module 141 is linked to the analysis module 142 and the digital trust information module 144 to generate a digital trust contract. In one embodiment of the present invention, when the trust management system 1 receives a registration or trust application request (S1) from the trustee 2, the trust generation module 141 of the trust digital management module 14 generates the forms required 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 based on the background information input by the trustee 2 to select suitable questions. The selected questions are presented to the trustee 2 through the trust control interface 111 as a reference for generating the contract.

In a specific embodiment, the trustee A provides the following information on the trustee interface: male, 42 years old, financial industry, the purpose of establishing a trust is to plan children's education fund, and the database screening questions are: Do you plan to send your children abroad to study? Do you plan to allocate regular living expenses for your children? Do you plan to use the trust asset principal for other benefits and interest for yourself? Do you plan to separate the spouses' right to request distribution of residual property? Can remarried children be added as beneficiaries? As reference questions for generating contracts.

In another specific embodiment, the trustee B provides the following information on the trust interface: 35 years old, a professional soldier, and the purpose of establishing the trust is also to plan the children's education fund. The sample questions for database screening are: Do you choose to regularly transfer the entrusted funds to the trust account? Is there a life insurance policy for the applicant? If so, are you willing to add the policy compensation to the education fund trust account? If the trustee passes away, can the spouse manage the trust assets? Does the trust allow the trustee to withdraw the trust assets? What are the withdrawal conditions? These are used as reference questions for generating the contract.

When the entrusting module 11 receives the reply from the entrusting party 2, it will provide it to the trust digital management module 14. The trust generation module 141 of the trust digital management module 14 will generate a digital trust contract based on the reply and provide it to the entrusting party 2 for electronic signature through the entrusting module 11. The management module 145 of the trust digital management module 14 accesses the signed trust contract (S2).

Please continue to refer to FIG. 3 in conjunction with FIG. 4 . After the trust digital management module 14 receives the signed trust contract, the transaction module 143 will make a deposit (S3) according to the designated bank of the financial institution previously set by the principal 2 in the database. The transaction module 143 will determine whether the top-up is successful, and the top-up will be determined in time (S4). If the top-up fails, for example, the principal 2 account does not have enough money to perform the top-up, the transaction module 143 notifies the principal 2 of a top-up failure notice through the entrustment tracking module 113, and requires the principal 2 to make up the agreed top-up amount. If the agreed top-up amount is not made up before the agreed period of the trust contract, the trust contract will not be established. If the deposit is successful, the management module 145 will determine whether the trustee 2 has passed the customer background check (KYC) review. If the review has not passed, the management module 145 will notify the trustee 2 of a trust not yet established notification through the trustee tracking module 113, and notify the trustee 2 to re-provide the customer background information through the trustee module 11; if the customer background check (KYC) is passed (S5), the management module 145 will pass the approved trust contract to the trustee 3 through the trustee integration module 122 for evaluation (S6). The trust is established when the trustee 3 agrees to undertake and completes the contract signing. The trust contract that the trustee 3 has not agreed to undertake is "not yet established".

Please refer to FIG. 3 in conjunction with FIG. 4 . When the trustee control interface 121 receives the trust contract signed by the trustee 3, it transmits it to the management module 145 of the trust digital management module 14 through the trustee integration module 122 for storage and recording (S7). The transaction module 143 deducts the funds through the electronic direct debit authorization (eDDA) and the designated bank interface of the financial institution set by the principal 2, or directly connects with a bank application program interface to deduct the funds, and transfers the amount to the account of the trustee 3 (S8). After the trustee integration module 122 receives the confirmation of the amount deposited from trustee 3, the management module 145 notifies trustee 3 of the establishment of the trust through the trustee tracking module 123, and notifies trustee 2 of the establishment of the trust through the trustee tracking module 113 (S9). The management module 145 and the execution module 146 of the trust digital management module 14 will regularly manage the trust and carry out subsequent trust execution matters (S10).

Please refer to Figure 5, which is a flow chart of the trust digital management module of the invention trust management system. The management module 145 of the trust digital management module 14 performs regular management after the trust is established. If the trust execution conditions require, it will regularly query whether the execution conditions are met through the required interface or database platform (S11). In one embodiment of the present invention, the database platform uses the personalized data autonomous application (Mydata) platform, which provides government agencies with diversified data downloads and online services for the public, and is used in combination with the provision of personalized data related to the present invention. And the execution conditions are the conditions for the execution of the trust. The following embodiments are provided as reference.

In a specific implementation example, the trustee C establishes a trust, one of the clauses of which stipulates that NT$10,000 will be transferred into the trust account every month, and the second clause stipulates that when his daughter reaches the age of 20, the trust will stop deducting funds from the account and transfer 8% of the trust fund from the trustee C account to the designated account of the beneficiary (daughter) every year. After the trust contract is established, the trust management system will notify the beneficiary (daughter) to authorize the platform to query the household register data, and the system will query it on the 15th of each month until the beneficiary (daughter) reaches the age of 20. Before confirming that the beneficiary is over 20 years old, the system will automatically deduct money from the trustee's C account. After confirming that the beneficiary (daughter) is over 20 years old, the management system will notify the trustee to verify the trust conditions. If the trustee verifies that the trust conditions have been met, the trust content will be executed and all trust-related persons will be notified.

The execution module 146 of the trust digital management module 14 will execute the trust on the due date in accordance with the agreed conditions of the trust contract, or notify the beneficiary to log in to the benefit module to provide the trust condition certification documents or authorize the access to the certification documents when the trust conditions are met, and the execution module 146 will notify the trustee 3 to verify the certification documents (S12). After successful verification, the execution module 146 will notify the trustor 2 through the trust tracking module 113, the trustee tracking module 123 to notify the trustee 3 and the beneficiary tracking module 133 to notify the beneficiary 4 that the trust will be executed, and transfer the trust assets to the beneficiary 4 through the execution module 146 (S13). If verification fails, the system will re-execute the condition verification periodically.

The technical features of the above-mentioned embodiments can be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above-mentioned embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

The above-mentioned embodiments only express several implementation methods of the present invention, and the description is relatively specific and detailed, but it should not be understood as a limitation on the scope of the invention patent. It should be pointed out that for ordinary technicians in this field, without departing from the concept of the present invention, several variations and improvements can be made, which all belong to the protection scope of the present invention. Therefore, the protection scope of the present invention patent shall be based on the attached claims.

Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by technicians in the technical field of the present invention. The terms used herein in the specification of the present invention are only for the purpose of describing specific implementation methods and are not intended to limit the present invention. The term "and/or" used herein includes any and all combinations of one or more related listed items.

The present invention is described above by referring to flowcharts and/or block diagrams of methods, apparatus (systems) and computer program products according to specific embodiments of the present invention. It will be understood that each block in any flowchart and/or block diagram and any combination of blocks in a flowchart and/or block diagram can be implemented by computer program instructions. These computer program instructions can be provided to a general-purpose computer, a special-purpose computer or other programmable data processing device processor to generate a machine such as an instruction, which is executed by a processor of a computer or other programmable data processing device, a device for implementing the functions/actions specified by the blocks in any flowchart and/or block diagram.

These computer program instructions may also be stored in a computer-readable medium to direct a computer, other programmable data processing equipment or other device to operate in a specific manner, so that the instructions stored in the computer-readable medium produce a manufacturing subject, including a device that implements the functions/actions specified in the flowchart and/or block diagram blocks.

1: Trust management system

11: Commission module

111: Delegated control interface

112: Entrusted integration module

113: Commission tracking module

12: Trustee module

121: Trusted Control Interface

122: Trusted integration module

123: Trusted Tracking Module

13:Benefit module

131:Benefit control interface

132:Benefit integration module

133:Benefit tracking module

14: Trust digital management module

Claims (15)

A trust management system includes: a delegation module, the delegation module includes a delegation control interface and a delegation tracking module, the delegation control interface receives a user's trust application; a trustee module, the trustee module includes a trustee tracking module; a benefit module, the benefit module includes a benefit tracking module; and a trust digital management module, the trust digital management module includes a trust question bank and an analysis module, the analysis module analyzes the user's background and needs and selects a plurality of questions from the trust question bank; wherein the delegation control interface presents the plurality of questions selected by the analysis module, and the delegation module provides the user's answers to the questions to the trustee module. The trust digital management module generates a digital trust contract according to the user's reply; wherein the entrustment control interface presents the digital trust contract, and after the entrustment module executes the electronic signature function, it notifies the trust digital management module to execute the trust financial business online; wherein, the entrustment tracking module sends a message notification to the user according to the application progress, and after the trust is established, the trust digital management module performs regular trust management. If the trust execution conditions are established, the beneficiary tracking module is triggered to notify a beneficiary to obtain a certification document, and the trustee tracking module is used to notify a trustee to verify the certification document and execute the trust. For example, in the trust management system of claim 1, the message notification is to notify the result of the trust financial business, or to notify the establishment of the trust. A trust management system as in claim 1, wherein the trust financial business includes one of a deposit, a release of a deposit, a deduction, a remittance, and an asset transfer. As in the trust management system of claim 1, the entrustment module further comprises a entrustment integration module, the entrustment integration module is connected to the trust digital management module, and presents a plurality of questions and the digital trust contract through the entrustment control interface, and the entrustment integration module provides an electronic signature function. As in the trust management system of claim 1, the trustee module includes: a trustee control interface; wherein the trustee control interface presents the digital trust contract to a trustee, and after the trustee module executes the electronic signature function, it confirms that the trust assets are transferred into the trustee's trust account and has issued a trust establishment notification to the user and the trustee. The trust management system of claim 1, wherein the benefit module includes: a benefit control interface; wherein the benefit control interface presents the digital trust contract to the beneficiary, the benefit module accepts the beneficiary to provide one or more certification documents or authorizes one or more retrieval certification documents, and the benefit tracking module is connected to the trust digital management module. For example, the trust management system of claim 6, wherein the trust digital management module notifies the trustee to verify the certification document or documents provided by the beneficiary or the certification document or documents authorized for review on the trust control interface when the trust contract conditions are met. And notify the trustee to execute the digital trust contract and transfer the trust assets to the beneficiary. As in the trust management system of claim 6, the trust digital management module further comprises: a management module and an execution module; wherein the management module manages the trust conditions, manages the periodic management, and transmits the message notification to the entrusting module and a trustee module; when the trust conditions are met, the execution module executes the digital trust contract and transfers the assets to the beneficiary. As in the trust management system of claim 1, the trust digital management module further comprises: a trust generation module, a transaction module and a digital trust information module; wherein the trust generation module links the analysis module and the digital trust information module to generate the digital trust contract, the analysis module sends the answers of the user to the multiple questions to the trust generation module, and the transaction module is connected in series with the Taiwan Clearing House electronic authorization and a bank application program interface, or directly connected in series with a bank application program interface to perform the trust financial business. A trust management method is provided, wherein a trust management system executes the following steps: a trust module presents at least one trust problem and a digital trust contract to a trustee through a trust control interface, so as to obtain a trust electronic signature of the trustee for signing the digital trust contract; a trust digital management module performs online deposit and deduction of a designated account of the digital trust contract; after the trust digital management module confirms the successful execution of the trust financial business, the digital trust contract is presented to a trustee through a trustee control interface, so as to obtain Obtain a trustee electronic signature of the trustee to sign the digital trust contract; the trust digital management module deducts money from the designated account and transfers it to the trustee's account; after the trust digital management module confirms that the deduction is successful, it notifies a user that the digital trust contract is established; the trust digital management module performs regular management of the digital trust contract; if the trust execution conditions are established, a beneficiary tracking module notifies a beneficiary to obtain a certification document, and notifies a trustee through a trustee tracking module to verify the certification document and execute the trust. As in the trust management method of claim 10, the trust management system further performs the following steps: the trust digital management module periodically notifies or notifies a beneficiary in accordance with the trust contract to provide one or more certification documents to meet the trust conditions or authorizes one or more certification documents to be reviewed. As in the trust management method of claim 10, the trust management system further performs the following steps: When the execution condition is met, a trustee module instructs the trustee to verify one or more certification documents on the trust control interface; after verifying one or more certification documents online, the trust digital management module executes the digital trust contract to transfer the assets to a beneficiary. As in the trust management method of claim 10, the trust management system further performs the following steps: if the deduction fails, the trust control interface will send a failure message notification to the trustee. In the trust management method of claim 10, the trust management system further performs the following steps: if the trustee fails to provide the trustee electronic signature for signing the digital trust contract, the trust control interface will send a failure message notification to the trustee. For example, in the trust management method of claim 10, the digital trust contract stipulates that the execution of the trust requires the consent or authorization of the principal, and the principal needs to provide it through the trust control interface. Only after the trustee receives the consent or authorization of the principal can the trust asset transfer be performed through the trust digital management module.