TWM597934U - Non-discretionary money trust beneficial interest loan system - Google Patents

Abstract

A non-discretionary money trust beneficial interest loan system includes a business server device and a trust server device with a pledge database. The business server device is connected to a personal electronic device to receive a loan application. The trust server device is connected to the business server device. The business server device provides loan business based on collateral provided by the loan application. The collateral includes pledges recorded in the pledge database. Loan business includes provision of mobilized amounts.

Description

Pledge System of Beneficiary Right of Specific Money Trust

This disclosure relates to a pledge system of beneficiary rights of a specific money trust.

The beneficiary right of a specific money trust, referred to as the beneficiary right, refers to the trustor's delivery of money to the trustee institution, and the trustee instructs to use, manage or dispose of the trust property. The beneficial rights of a specific money trust are generally referred to as the fund abbreviation.

When investing in funds, long-term holding is usually adopted. However, in the event of temporary funding needs, investors will have to stop the original long-term holding plan and redeem the fund early. This may result in investment losses. Therefore, how to provide funds that can be used flexibly while maintaining fund holdings is a problem to be solved.

One aspect of this disclosure relates to a pledge system of beneficiary rights of a specific money trust.

According to an embodiment of the present disclosure, a specific money trust beneficiary right pledge loan system includes a business server electronic device and a trust server electronic device. The electronic device of the business server is connected to the personal electronic device to receive the loan application. The trust server electronic device is connected to the business server electronic device. The electronic device of the trust server has a pledge database. The electronic device of the business server provides the loan business based on the collateral provided by the loan application. The collateral includes the pledge right recorded in the pledge database. Lending business includes the provision of transfer amount.

In one or more embodiments, the business server electronic device further includes a borrower database, a borrower data management module, and a loan operation module. The borrower database is used to record borrower information. The content of the borrower profile includes loan applications. The borrower information management module connects to the borrower database. The borrower data management module is used to create and edit borrower data. The loan operation module is connected to the borrower data management module. The loan operation module is used to provide loan business. The borrowing operation module edits the borrower's data through the borrower data management module according to the lending business.

In some embodiments, the business server electronic device further includes a wealth management module and a credit review module. The wealth management module connects to the borrower database. The wealth management module is used to create borrower assets in the borrower profile. The credit review module connects to the borrower database. The credit review module is used to perform credit review procedures based on the borrower’s assets. The electronic device of the business server establishes the pledge right in the pledge right database according to the credit review procedure.

In some embodiments, the wealth management module includes a form operation unit and a processor. The form operation unit is used to provide the borrower's trust asset form according to the borrower's assets. The processor is used to determine whether to accept a loan application based on the borrower's assets.

In some embodiments, the credit review module is used to execute the credit review process according to the borrower's trust asset form.

In some embodiments, the wealth management module includes a query unit. The query unit is used to query the borrower's information.

In some embodiments, the business server electronic device further includes a monitoring module. The monitoring module is used to provide a maintenance rate based on the pledge and the amount of transfer, and to alert the personal electronic device based on the maintenance rate.

In some embodiments, the monitoring module includes a processor, a warning unit, and a sending unit. The processor is used to calculate the maintenance rate based on the pledge and the transfer amount. The warning unit is connected to the processor. The warning unit is used to provide a warning signal when the maintenance rate is lower than a specific standard. The sending unit is connected to the warning unit to receive the warning signal. The sending unit is used for sending a warning signal to the personal electronic device.

In some embodiments, the monitoring module includes a report operation unit. Report operation unit, used to provide maintenance rate management reports. The maintenance rate management report includes the maintenance rate.

In one or more embodiments, the trust server electronic device further includes a pledge management operation module and a pledge disposal operation module. The pledge right management operation module is used to create pledge right in the pledge right database and to edit the pledge right database. The pledge disposal operation module is used to execute the pledge disposal operation so as to transfer the pledge holding unit.

To sum up, the specific money trust beneficiary right pledge system disclosed in this disclosure uses the pledge of investment as collateral, and can obtain the loan allocation amount that can be used flexibly while maintaining the pledge of long-term investment.

It should be understood that the above general description and the following detailed description are further described by examples, and are intended to provide further explanations for the present disclosure, and should not be used to limit the present disclosure.

The following examples are listed in conjunction with the accompanying drawings for detailed description, but the provided examples are not used to limit the scope of the disclosure, and the description of the structure and operation is not used to limit the order of its execution, any recombination of components The structures and the devices with equal effects are all covered by this disclosure. In addition, the drawings are for illustrative purposes only, and are not drawn according to the original dimensions. To facilitate understanding, the same or similar elements in the following description will be described with the same symbols.

Unless otherwise defined, all words (including technical and scientific terms) used in this article have their usual meanings, and their meanings can be understood by those familiar with the field. Furthermore, the definitions of the above-mentioned words in commonly used dictionaries should be interpreted as meanings consistent with the relevant fields of this disclosure in the content of this specification. Unless specifically defined, these terms will not be interpreted as idealized or overly formal meanings.

Unless otherwise defined, all words (including technical and scientific terms) used in this article have their usual meanings, and their meanings can be understood by those familiar with the field. Furthermore, the definitions of the above-mentioned words in commonly used dictionaries should be interpreted as meanings consistent with the relevant fields of this disclosure in the content of this specification. Unless specifically defined, these terms will not be interpreted as idealized or overly formal meanings.

The terms "include", "include", "have", "contain", etc. used in this article are all open terms, meaning including but not limited to.

In this article, unless the article is specifically limited in the context, "一" and "the" can generally refer to one or more. It will be further understood that the terms "include", "include", "have" and similar words used in this article indicate the recorded features, regions, integers, steps, operations, elements and/or components, but do not exclude The described or additional one or more other features, regions, integers, steps, operations, elements, components, and/or groups thereof.

In order to enable investors who adopt a long-term holding strategy to use funds flexibly, this disclosure provides a specific money trust beneficiary right pledge system, which can directly use the pledge of investment as collateral, and instantly provide the amount of funds allocated and used by investors. A specific money trust beneficiary right pledge lending system can be set up in each branch of the bank to facilitate the management of pledge and lending business.

Please refer to Figure 1. FIG. 1 illustrates a block diagram of a personal electronic device 200 connected to a specific money trust beneficiary right pledge lending system 100 according to an embodiment of the present disclosure.

As shown in FIG. 1, the pledge lending system 100 for beneficiary rights of a specific money trust includes a business server electronic device 110 and a trust server electronic device 170. The business server electronic device 110 is connected to the personal electronic device 200 to receive a loan application from the personal electronic device 200. The user of the personal electronic device 200 is, for example, a borrower who makes a loan application. In some embodiments, the personal electronic device 200 is, for example, a mobile phone or a personal computer. In some embodiments, the personal electronic device 200 may be a personal computer inside a bank to input the loan application provided by the borrower.

The business server electronic device 110 provides loan services based on the collateral provided by the loan application. In this embodiment, the trust server electronic device 170 is connected to the business server electronic device 110 and has a pledge database 173 (as shown in Figure 6 below). In this embodiment, the collateral provided by the loan application substantially includes the pledge rights recorded in the pledge database 173. Specifically, pledge rights include, for example, specific money trust beneficiary rights (funds) for investment. Once the loan application is recorded in the pledge database 173 of the specific money trust beneficiary right pledge system 100, it can be used as collateral to provide the loan business. In this way, the business server electronic device 110 can provide a transfer amount based on the pledge as a collateral for flexible use.

To further illustrate the structure of the business server electronic device 110, please refer to FIG. 2. FIG. 2 shows a block diagram of a business server electronic device 110 according to an embodiment of the present disclosure. As mentioned above, the business server electronic device 110 is used to accept loan applications from the personal electronic device 200 and provide related loan services.

As shown in Figure 2, in this embodiment, the business server electronic device 110 includes a borrower database 115, a borrower data management module 120, a wealth management module 125, a credit review module 130, and a loan operation module 140 and monitoring module 145.

The borrower database 115 is used to record borrower information. Specifically, when the personal electronic device 200 submits a loan application, the information provided in the loan application is recorded in the borrower database 115. This means that the content of the loan application will be included in the borrower profile.

The borrower information management module 120 is connected to the borrower database 115 to create and edit the borrower information in the borrower database 115. For example, when the personal electronic device 200 applies for a loan and the borrower is applying for the first time, the borrower information management module 120 can create new borrower information in the borrower database 115. The borrower information management module 120 can also edit and modify the borrower information recorded by the borrower information management module 120 as needed.

The borrowing operation module 140 is connected to the borrower data management module 120 and used to provide actual lending services. Specifically, after the business server electronic device 110 receives a loan application from the personal electronic device 200, the loan operation module 140 provides a loan service according to the loan application. At the same time, according to the content of the loan business, the loan operation module 140 edits the borrower information through the borrower information management module 120 to specifically record the loan business.

The wealth management module 125 is connected to the borrower database 115. The wealth management module 125 is used to establish another part of the borrower data recorded in the borrower database 115, the borrower's assets. After receiving the loan application from the personal electronic device 200, the wealth management module 125 sets specific specification objects for the borrower, and further liquidates and sorts out the assets held by the borrower. In this embodiment, the borrower's assets produced by the wealth management module 125 include trust assets, so as to provide specific money trust beneficiary rights. The pledge lending system 100 processes the subsequent lending business according to the trust assets.

Please refer to Figure 3. FIG. 3 shows a block diagram of a wealth management module 125 according to an embodiment of the present disclosure. As shown in FIG. 3, in this embodiment, the financial management module 125 includes a query unit 126, a form operation unit 127, and a processor 128. The query unit 126 can be used to query the borrower’s assets in the borrower database 115 to confirm whether the borrower has ever applied for a business. If not, the borrower data can be established through the borrower data management module 120. The form operation unit 127 can provide the entity's borrower trust asset form based on the borrower's assets. In some implementations, the borrower's trust asset form includes a trust asset report and settlement statement, listing the borrower's trust assets and providing a corresponding report. The entity's borrower trust asset form can be retained or sent to the borrower for confirmation. The processor 128 of the wealth management module 125 can determine whether to accept the loan application according to the borrower's assets. For example, the processor 128 may provide a calculation function to easily confirm whether the value of the collateral provided by the borrower is sufficient. In this embodiment, the collateral provided by the borrower is a pledge, and the pledge includes a trust fund, the value of which is floating. The processor 128 can confirm the value of the pledge in a timely manner and compare it with the amount required by the loan application to determine whether to accept the loan business.

Please refer to Figure 2 and Figure 4. FIG. 4 shows a block diagram of a credit review module 130 according to an embodiment of the present disclosure.

Once the acceptance of the loan operation proposed by the personal electronic device 200 is confirmed, the credit review module 130 can be used to execute the credit review process based on the borrower's assets. The purpose of the credit collection review process is to confirm the credit of the borrower, so as to establish a physical form to facilitate subsequent pledges and to provide the amount of allocation based on the pledge. In some embodiments, the credit review module 130 can perform the credit review process according to the borrower trust asset form provided by the wealth management module 125.

The credit review module 130 is connected to the borrower database 115. As shown in FIG. 4, in this embodiment, the credit review module 130 includes a form operation unit 131, an account return operation unit 132, a collateral investigation unit 133, a credit investigation operation unit 134, and a credit operation unit 135. The form operation unit 131 can create, query and print out related forms.

In some implementations, the home return operation unit 132 can be used to count the borrower's property, assign assets that should be included but not included in the borrower's name, and update the borrower's information at the same time. The collateral investigation unit 133 is connected to the home return operation unit 132, and can check the collateral of the borrower again. The forms that the form operation unit 131 can create include the borrower's trust asset form provided by the wealth management module 125, as well as the operations of the household return operation unit 132 and the collateral investigation unit 133. In this way, you can clearly know the borrower's qualifiable specific money trust assets.

The credit investigation operation unit 134 is connected to the collateral investigation unit 133 to continue to review the borrower's information and collateral to confirm the borrower's credit. For example, the borrower's qualifiable specific money trust assets can be printed out through the form operation unit 131, and the collection and review operations can be processed manually. In some embodiments, the credit checking operation unit 134 may be connected to an external network to perform manual review through one or more review units.

In some embodiments, the wealth management module 125 can provide a trust asset report and a settlement statement. In combination with the operations of the home return operation unit 132 and the collateral investigation unit 133, the credit investigation operation unit 134 can handle the evaluation operation and produce the pledge Investigate the report, complete the entire collection and review operation, and establish the borrower's credit report.

Based on the credit report provided by the credit reporting unit 134, the credit granting unit 135 grants a credit rating to the borrower, and establishes a form for the borrower's credit to facilitate subsequent quality and lending.

In this way, after the operations of the account return operation unit 132, the collateral investigation unit 133, the credit investigation operation unit 134, and the credit operation unit 135 in the credit investigation module 130, the credit investigation module 130 completes the execution of the credit investigation procedure .

In some embodiments, either the wealth management module 125 or the credit review module 130 can be respectively connected to an external network, so as to manually perform wealth management or review in a customized manner.

Please refer to Figure 2 and Figure 5. FIG. 5 shows a block diagram of a monitoring module 145 according to an embodiment of the present disclosure. In Figure 2, the monitoring module 145 of the business server electronic device 110 is connected to the borrower database 115, so that after the loan operation module 140 provides the borrower’s loan business, it provides a maintenance rate based on the pledge and the amount of transfer. The personal electronic device 200 is alerted based on the maintenance rate.

As shown in FIG. 5, in this embodiment, the monitoring module 145 includes a processor 146, a report operation unit 147, a warning unit 148, and a sending unit 149. The processor 146 is used to calculate the maintenance rate based on the pledged rights as collateral and the transferred amount of loans. The warning unit 148 is connected to the processor 146 and used to provide a warning signal when the maintenance rate is lower than a specific standard. The sending unit 149 is connected to the warning unit 148 to receive the warning signal. The sending unit 149 is used for sending a warning signal to the personal electronic device 200. In some embodiments, the sending unit 149 includes a short message sender or an email sender. The function of the monitoring module 145 is further explained, please refer to the subsequent discussion.

Please refer to Figure 6. FIG. 6 illustrates a block diagram of a trust server electronic device 170 according to an embodiment of the present disclosure.

As shown in FIG. 6, in this embodiment, the trust server electronic device 170 includes a pledge database 173, a pledge management operation module 176, and a pledge disposal operation module 179. The pledge right management operation module 176 and the pledge right disposal operation module 179 are respectively connected to the pledge right database 173.

As mentioned earlier, the pledge data database 173 records pledged data. Pledge rights include various specific money trust beneficiary rights. Once pledged, it means that the borrower provides the beneficiary right of a specific money trust as collateral to the trust server electronic device 170, so as to obtain the allocated amount through the loan business. In this way, the pledge management operation module 176 can be used to create pledge data in the pledge database 173 to record the pledge of the borrower as collateral. The pledge management operation module 176 can also be used to edit the pledge data recorded in the pledge database 173. Once the borrower does not reach the agreed level in the maintenance rate, the pledge disposal operation module 179 is used to execute the pledge disposal operation, and transfer the pledge holder from the borrower to the branch that handles the lending business.

To further explain the operation process of the pledge lending system 100 for beneficiary rights of a specific money trust, please refer to Figures 7 and 8. Figures 7 and 8 illustrate a flowchart of a method 300 for pledged beneficiary rights of a specific money trust according to an embodiment of the present disclosure.

In the process 305, the borrower submits a loan application to the specific money trust beneficiary right pledge loan system 100 through the personal electronic device 200. The business server electronic device 110 connected to the personal electronic device 200 receives the loan application and starts the operation.

In the process 310, the wealth management module 125 of the business server electronic device 110 can be used to confirm whether the borrower has set up a pledge in another branch of the bank. If so, provide an error message in process 311, and recommend that the borrower go to the qualified branch to handle the business. If not, the process 315 is entered, and the query unit 126 of the wealth management module 125 queries the borrower database 115 to determine whether the borrower handles this business. If not, enter the new construction quality process 3221~3224. If so, enter the process 320 to confirm whether the borrower's available transfer amount is less than or equal to the redistributable loan amount under the existing circumstances. The borrower's available loan amount has the present value of its pledge. If yes, proceed directly to the process 3214, you can directly initiate the transfer transaction to provide the transfer amount to the borrower. If not, enter the process 3211. Re-run the credit collection and review procedures.

In the process 3211, the specific money trust beneficiary right pledge lending system 100 can execute the credit review process through the credit review module 130 of the business server electronic device 110 as described above. In this way, the borrower's credit status and level are established, and the process can be entered into the process 3212 to perform subsequent quality setting operations based on the relevant credit report.

Following the process 3212, in the process 3213, the lending operation module 140 of the specific money trust beneficiary right pledge lending system 100 executes the lending business, and changes the approved limit according to the content of the credit approval data (for example, credit report). This allows the borrower to increase the amount of redistributable loans, so that it can enter the process 3214, start the transfer transaction, and provide the borrower with the transfer amount. Since the borrower has already handled the relevant business, it can directly transfer the allocated amount to the borrower in batches or revolving loans (transfer). In some embodiments, the transfer amount may be provided in the currency unit used by the lending business acceptance office, or provided in other types of foreign currencies. In some embodiments, the pledged right may also be a foreign currency fund.

Specifically, in some embodiments, after the credit review procedure is completed (process 3211), the quality is successfully set (process 3212), and the lending service is processed through the loan operation module 140 of the business server electronic device 110. The business server electronic device 110 collects the borrower's maximum right pledge setting contract, agrees to the control of the maintenance rate, sets the maximum right pledge amount of the approved loan plus 20%, and handles the guarantee contract. Subsequently, two copies of the "Notice of Pledge Setting of Beneficiary Right of a Specific Money Trust" were submitted to the borrower, one of which was provided to the trust server electronic device 170 for the pledge of beneficiary right setting, and the other by the business server electronic The device 110 retains itself. After the trust server electronic device 170 completes the beneficiary right setting pledge in the pledge database 173, the completion date and registration number are indicated in the "Specific Money Trust Beneficial Right Pledge Setting Notice" and then faxed to the accepting branch. The branch’s business server electronic device 110 then inquires and prints "Self-imposed pledge of specific money trust assets", and the borrower fills in the "Consent to Disposal of Collateral" based on the pledged beneficiary information, and prior written instructions are used as collateral The order of disposition of pledge rights. In this way, the process 3213 is completed, and then the process 3214 can be entered to handle the appropriation operation, start the transfer transaction and provide the transfer amount to the borrower.

Pledge lending deals with lending business by using pledge rights as collateral. When the beneficiary right pledges to apply for the renewal of the quota, increase the loan or extend the application, the pledged beneficiary right shall be reassessed. When the borrower repays the loan or the branch agrees to change the collateral, and the borrower (the pledger) requests the cancellation of the pledge, the “Notice of Elimination of the Pledge of the Beneficial Right of a Specific Money Trust” may be submitted to the electronic device 170 of the trust server for processing. The beneficiary right pledge cancels the registration.

The processes 3221, 3222, 3223, and 3224 are provided to borrowers who have not handled the lending business using pledge rights as collateral. The difference between the processes 3221 to 3224 and the processes 3211 to 3214 is that the process 3223 creates a new borrower data file in the borrower database 115 according to the content of the credit approval data.

After starting the transfer transaction (corresponding to the process 3214 and the process 3224) to pay the transfer amount, proceed to the process 325 to verify whether the transfer amount provided by the transfer transaction meets the specifications. For example, the processor 128 in the wealth management module 125 of the business server electronic device 110 can perform calculation and verification according to the provided transfer amount against the preset conditions.

Specifically, in the process 325, it can be checked whether the borrower's redistributable loan amount is greater than or equal to the borrower's total allocation amount. In addition, it is further checked whether the borrower's allocated amount and the additional credit line are less than or equal to the loan line. In some implementations, the borrower's available loan amount can be set as follows: Redistributable loan amount = (present value of pledged specific money trust assets-(credit balance/average loan ratio)-credit balance ﹞ * average loan ratio

If the check of the process 330 is not passed, the process 330 is entered and an error message is provided. Otherwise, it enters the process 335, and the transaction execution is completed.

Figure 8 illustrates the subsequent monitoring after the execution of the transfer transaction in the process 335 is completed. The monitoring includes a process 340 and a process 345 corresponding to the operation of the monitoring module 145 of the business server electronic device 110.

In the process 340, the maintenance rate management report of the collateral maintenance rate is produced in batches every day. This corresponds to the operation of the processor 146 and the report operation unit 147 in the monitoring module 145. In this embodiment, the pledge is used as collateral. The pledge is, for example, a specific money trust asset (or a fund), the present value of which essentially fluctuates daily. Therefore, the processor 146 can be used to calculate the present value of a specific money trust asset, and thereby calculate the maintenance rate of the borrower.

In some embodiments, the maintenance rate is the ratio of the present value of a specific money trust asset to the unused balance of the loan allocation amount.

Generally speaking, the standard maintenance rate is higher than 180%. When the maintenance rate is lower than 180% for 3 consecutive business days, the warning threshold is reached.

Once the warning threshold is reached, the warning unit 148 of the electronic device 110 of the business server provides a warning message, which is sent by the sending unit 149 to notify the borrower to repay part of the credit within 3 business days and provide additional beneficiary rights or other qualified guarantees approved by the Bank Product to maintain the maintenance rate above the standard maintenance rate. In some embodiments, the sending unit 149 includes an email sender or a short message sender to send a warning message to the personal electronic device 200. In some embodiments, the sending unit 149 may provide a physical form sending operation.

The recovery threshold can be set to maintain a rate of less than 160%. When the maintenance rate is lower than the recovery threshold, the business server electronic device 110 sends a "repayment notice" through the sending unit 149, informing the borrower to repay part of the credit within 3 business days, and to provide additional beneficiary rights approved by the Bank or other Qualified collateral keeps the maintenance rate above the standard maintenance rate.

The sanction threshold can be set to maintain a rate of less than 140%. After the "repayment notice" is sent, if the borrower fails to complete the notice within 3 business days, or the market price fluctuates drastically, the maintenance rate of the pledged beneficiary right will be significantly increased in a short period of time (within the aforementioned period) When it falls below the sanction threshold, the business server electronic device 110 shall provide the "Notice of Implementation of the Pledge for the Beneficial Right of a Specific Money Trust" and send it to the Trust Server Electronics based on the "Consent to Disposal of Collateral Order" filled out by the borrower in advance. The device 170 handles the redemption or disposal of the beneficiary right through the pledge disposal operation module 179, and deposits the proceeds into the deposit account indicated by the credit account, and the business unit offsets the deposit with the principal and interest of the loan.

On the other hand, after the execution of the transfer transaction in the process 335 is completed, it is explained that the lending business is established. The process 345 is executed following the process 335. In process 345, the credit information related to the production system is submitted to the financial united credit reference center of the financial consortium, and it is processed in accordance with the key points of the credit data submission operation of the financial institution of the united collection center.

In summary, the pledged lending system for beneficiary rights of specific money trusts disclosed in this disclosure can provide a method for pledge lending of beneficiary rights of specific money trusts, which enables the borrower to use funds flexibly. In this way, when the borrower is an investor, it can provide the investor with a loan line that the investor can borrow and repay at any time when needed. The interest is calculated when the borrower is used. It can take into account both the retained investment yield and the capital for long-term investment. Make investment 理 wealth 更 flexible.

Although the present disclosure has been described above with examples, it is not limited to this disclosure. Anyone who is familiar with this art can make various changes and modifications without departing from the spirit and scope of the disclosure. Therefore, the protection of this disclosure The scope shall be subject to the scope of the attached patent application.

100: Pledge system for beneficiary rights of specific money trusts 110: Business server electronic device 115: Borrower database 120: Borrower data management module 125: Wealth Management Module 126: Query unit 127: form job unit 128: processor 130: Credit Collection Review Module 131: form job unit 132: Homework Unit 133: Collateral Investigation Unit 134: Credit Investigation Unit 135: Credit Operation Unit 140: loan operation module 145: Monitoring module 146: Processor 147: report job unit 148: warning unit 149: sending unit 170: Trust server electronic device 173: Pledge database 176: Pledge Management Operation Module 179: Pledge Disposition Operation Module 200: personal electronic device 300: Pledge loan method of beneficiary right of specific money trust 305~345: Process 3211~3214: Process 3221~3224: Process

The advantages and drawings of the present disclosure should be better understood by the following embodiments and with reference to the drawings. The descriptions of these drawings are merely examples of implementations, and therefore should not be considered as limiting individual implementations or limiting the scope of disclosure of the patent application. Figure 1 illustrates a block diagram of a specific money trust beneficiary right pledge lending system connected to a personal electronic device according to an embodiment of the present disclosure; FIG. 2 shows a block diagram of a business server electronic device according to an embodiment of the present disclosure; FIG. 3 shows a block diagram of a wealth management module according to an embodiment of the present disclosure; FIG. 4 shows a block diagram of a credit review module according to an embodiment of the present disclosure; Figure 5 shows a block diagram of a monitoring module according to an embodiment of the present disclosure; FIG. 6 shows a block diagram of a trust server electronic device according to an embodiment of the present disclosure; and Fig. 7 and Fig. 8 illustrate a flowchart of a method for pledge of beneficiary rights of a specific money trust according to an embodiment of the present disclosure.

100: Pledge system for beneficiary rights of specific money trusts

110: Business server electronic device

170: Trust server electronic device

200: personal electronic device

Claims (10)

A specific money trust beneficiary right pledge system, including: A business server electronic device, connected to a personal electronic device to receive a loan application; and A trust server electronic device connected to the business server electronic device, wherein the trust server electronic device has a pledge database, The electronic device of the business server provides a loan service based on a collateral provided by the loan application, the collateral includes a pledge recorded in the pledge database, and the loan service includes providing a loan amount. According to claim 1, the beneficiary right pledge system of a specific money trust, wherein the electronic device of the business server further includes: A borrower database, used to record a borrower's information, where the content of the borrower's information includes the loan application; A borrower data management module connected to the borrower database, wherein the borrower data management module is used to create and edit the borrower information; and A borrowing operation module connected to the borrower data management module, wherein the borrowing operation module is used to provide the lending business, and the borrowing operation module edits the borrower through the borrower data management module according to the lending business data. According to claim 2, the beneficiary right pledge lending system of a specific money trust, wherein the electronic device of the business server further includes: A wealth management module connected to the borrower database, wherein the wealth management module is used to create a borrower asset in the borrower profile; and A credit review module connected to the borrower’s database, wherein the credit review module is used to execute a credit review process based on the borrower’s assets, and the business server electronic device performs a credit review process based on the credit review process. The pledge right is established in the right database. According to claim 3, the beneficiary right pledge lending system of a specific money trust, wherein the wealth management module includes: A form operation unit for providing a form of trust assets of the borrower based on the assets of the borrower; and A processor for judging whether to accept the loan application according to the borrower's assets. According to claim 4, the beneficiary right pledge system of a specific money trust, wherein the credit review module is used to execute the credit review procedure according to the borrower's trust asset form. According to claim 3, the beneficiary right pledge lending system of a specific money trust, wherein the wealth management module includes: A query unit for querying the borrower's information in the borrower database. According to claim 3, the beneficiary right pledge lending system of a specific money trust, wherein the electronic device of the business server further includes: A monitoring module is used to provide a maintenance rate according to the pledge and the amount of the transfer, and to alert the personal electronic device according to the maintenance rate. According to claim 7, the beneficiary right pledge lending system of a specific money trust, wherein the monitoring module includes: A processor for calculating the maintenance rate based on the pledge and the amount of transfer; A warning unit connected to the processor, wherein the warning unit is used to provide a warning signal when the maintenance rate is lower than a specific standard; and A sending unit connected to the warning unit to receive the warning signal, wherein the sending unit is used to send the warning signal to the personal electronic device. According to claim 7, the beneficiary right pledge lending system of a specific money trust, wherein the monitoring module includes: A report operation unit for providing a maintenance rate management report, wherein the content of the maintenance rate management report includes the maintenance rate. According to claim 1, the beneficiary right pledge lending system of a specific money trust, wherein the trust server electronic device further includes: A pledge management operation module for establishing the pledge in the pledge database and used to edit the pledge database; and A pledge disposal operation module is used to execute a pledge disposal operation so as to transfer the holding unit of the pledge.

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