TWM649893U - Trust bankbook system - Google Patents

Abstract

A trust bankbook system includes an integration server and a mobile device. The mobile device is coupled to the integration server, and is configured to register a trust account with the integration server. The integration server is configured to generate a trust electronic bankbook according to a piece of first trust information corresponding to the trust account so as to store in the trust account of the mobile device. The mobile device is configured to display the piece of first trust information of the trust electronic bankbook in the trust account.

Description

Trust passbook system

This case involves an electronic system. In detail, this case involves a trust passbook system.

Nowadays, there are many trust products, and the public can consult relevant industry players for consultation according to their needs. However, when the public distinguishes between diversified trust products, they are unable to effectively confirm the validity dates and expenditure status of various trust products after processing, which in turn leads to damage to the public's rights and interests.

Therefore, the above-mentioned technology still has many shortcomings, and practitioners in the field need to develop other suitable trust passbook systems.

One aspect of the case involves a trust passbook system. The trust passbook system includes integrated servers and mobile devices. The mobile device is coupled to the integration server and used to register a trust account with the integration server. The integration server is used to generate a trust electronic passbook based on the first trust information corresponding to the trust account, thereby storing it in the trust account on the mobile device. The mobile device is used to display the first trust information of the trust electronic passbook in the trust account.

In view of the aforementioned shortcomings and deficiencies of the existing technology, this case provides a trust passbook system that allows users to query the trust passbook system to confirm the trust contracts of all relevant trust products, and then submit trust instructions to trust-related institutions.

The following will clearly illustrate the spirit of this application with drawings and detailed descriptions. Anyone with ordinary knowledge in the technical field, after understanding the embodiments of this application, can make changes and modifications based on the techniques taught in this application without departing from the spirit of this application. Spirit and scope.

The terms used herein are only used to describe specific embodiments and are not intended to be limiting. Singular forms such as "a", "this", "this", "this" and "the", as used herein, also include the plural forms.

The words "includes", "includes", "has", "contains", etc. used in this article are all open terms, which mean including but not limited to.

Regarding the terms used in this article, unless otherwise noted, they generally have the ordinary meanings of each term used in this field, the content of this case, and the special content. Certain terms used to describe the present invention are discussed below or elsewhere in this specification to provide those skilled in the art with additional guidance in describing the present invention.

Figure 1 is a circuit block diagram of a trust passbook system 100 according to some embodiments of this case. Referring to Figure 1, the trust passbook system 100 includes an integration server 110, a mobile device 120, a trust institution server 130 and a property server 140. The integration server 110 is coupled to the mobile device 120, the trust institution server 130 and the property server 140 respectively. The property server 140 is coupled to the mobile device 120 .

In some embodiments, the integration server 110 is used to trust data. Trust information includes trust product information and trust contract information. In some embodiments, the type of trust product includes one of a nursing trust, a financial trust, an insurance trust, a real estate trust, and a charity trust.

In some embodiments, the trust contract includes the trust effective date, trust termination date and trust related party information when the user purchases the trust product. It should be noted that trust related parties include the settlor, trustee, beneficiary, and trust supervisor. Fiduciary persons are defined in the following paragraphs.

The principal is the property owner. When the trustor (natural person or legal person) wants to make financial planning for someone (beneficiary) or a certain purpose (such as taking care of family members, doing charity, etc.) and transfers the property to the trustee for disposal and management, it becomes The principal in a fiduciary relationship.

The trustee is the person responsible for managing and disposing of the trust property in the trust relationship; in the case of a business trust, it refers to the trust operator, which is currently concurrently operated by banks, credit unions or securities dealers. The trustee shall, in accordance with the contents of the trust contract, manage and utilize the trust property for the benefit of the beneficiary, and assist the trustor in achieving the purpose of property management until the expiration of the contract or the completion of the trust purpose.

According to trust law, any person trusted by the trustor can serve as a trustee, except for minors, persons subject to guardianship or auxiliary declaration, and bankrupts. A trust in which a non-trustee acts as the trustee is generally called a civil trust, which is the same as an operating trust in which a trustworthy person serves as the trustee.

The beneficiary is the person who the trustor wants to take care of when handling the trust's property, and is also the person who receives the trust benefits in the trust relationship. For example, if the settlor and beneficiary are the same person, it is called a self-benefit trust. If the settlor and the beneficiary are not the same person, it is called a self-interest trust. If the beneficiaries are an unspecified majority, it is called a charitable trust.

There are many trust products on the market, and people can consult trust operators and handle them according to their own needs. For example, financial trusts (mainly purchasing funds to generate income), Anyang trusts (mainly preserving property and earmarking funds for special purposes), insurance trusts (mainly ensuring that insurance funds are used to care for insurance beneficiaries), and purchase and sale price trusts (mainly protecting transactions security), employee stock ownership trusts (participating in the company’s employee welfare policies to accumulate wealth) and other products.

Subsequently, members of the public may also serve as trust monitors for other people's trust deeds. People need to sort out what trust products they currently own and confirm the contents of the trust contracts corresponding to the trust products, which is very time-consuming. At the same time, people may organize and store trust product information and paper copies of trust information in lockers without regularly confirming the validity date of trust product information. As time goes by, people fail to track the status of trust products, and the validity date of trust product information expires, resulting in damage to people's rights and interests. Therefore, the above technology needs to be improved by practitioners in this field.

The trust passbook system 100 in this case involves the improvement of the business trust field. In order to make the operation of the trust passbook system 100 in this case easy to understand, please refer to Figure 1 and Figure 2 together. Figure 2 is a schematic diagram of the display screen of the trust electronic passbook on the mobile device 120 of the trust passbook system 100 in Figure 1 according to some embodiments of the present case. In some embodiments, the user registers a trust account with the integration server 110 via the mobile device 120 . The integration server 110 is used to generate a trust electronic passbook based on the trust information corresponding to the trust account of the mobile device 120, thereby storing the trust electronic passbook to the trust account of the mobile device 120. The mobile device 120 is used to display the trust information of the trust electronic passbook in the trust account.

That is to say, the user uses the display panel (not shown in the figure) of the mobile device 120 to display the trust electronic passbook as shown in Figure 2 and multiple trust information (such as trust information) in the trust electronic passbook in the trust account. D1 to trust information D3).

In the following description, for convenience of explanation, numerous specific details are further set forth to provide a comprehensive explanation of one or more embodiments. However, the technology may be practiced without these specific details. In other instances, well-known structures and devices are shown in block diagram form in order to effectively describe the embodiments. The word "for example" used here means "as an example, instance or illustration". Any embodiment described herein is "by way of example" and is not necessarily to be construed as preferred or superior to other embodiments.

In some embodiments, the verification method used by the user to register or log in to the trust account through the mobile device 120 includes identity verification method through one-time password (OTP) and biometric recognition (such as facial recognition or fingerprint recognition). ) authentication method.

In some embodiments, please refer to Figures 1 and 2, the trust institution server 130 is used to store trust data D1 to trust data D3, and can be a server of each trust institution. In some embodiments, the trust institution server 130 includes a bank server and a land office server. It should be understood that although the trust institution server 130 in Figure 1 is only one, this does not limit this case. In practice, the trust institution server 130 can generally refer to one or more servers of one or more trust institutions. Utensils, those who are familiar with this skill should flexibly choose according to the needs at the time.

For example, the trust information D1 is the trust information of the trust electronic passbook stored in the trust account of the mobile device 120 by the integration server 110 . The trust information D2 is the trust information of the trust electronic passbook stored in the trust account of the mobile device 120 by the trust institution server 130 . The trust information D3 is the trust information of the trust electronic passbook stored in the trust account of the mobile device 120 by the integration server 110 or the trust institution server 130 .

In some embodiments, the integration server 110 is also used to perform an integration operation based on the trust information D1 of the integration server 110 and the trust information D2 of the trust institution server 130 to store the trust electronic passbook of the trust account on the mobile device 120 .

That is to say, the organization of the integration server 110 and the organization of the trust organization server 130 are different. The trust passbook system 100 in this case allows users to understand the status of all their trust information at a glance by compiling trust information from different trust institutions.

It should be noted that trust information D1 to trust information D3 as shown in Figure 2 only display the important trust effective date, trust termination date and beneficiary in the trust electronic passbook as shown in Figure 2. For the detailed information of trust information D1 to trust information D3, such as trust product information and trust contract information, the user can input operation instructions through the display panel (not shown in the figure) of the mobile device 120 and click on trust information D1 to trust information D3 to The mobile device 120 is caused to read the detailed information of the trust data D1 to the trust data D3 from the integration server 110, thereby returning and displaying it on the display panel (not shown in the figure) of the mobile device 120 for the user to browse.

In addition, please refer to Figures 1 and 2. Since the user (for example: Mr./Ms. Zhang**) may serve as the trust supervisor of other people’s trust products, the trust passbook system 100 in this case will also collect other people’s trust product information. Enter the trust account of the mobile device 120, and use the trust related party field C to switch the identity of different trust related parties, so as to display the trust electronic passbook in Figure 2. For example, if the user (for example: Mr./Ms. Zhang**) is the trust supervisor of another person in the trust information D3 and when the user clicks on the trust related party field C, the position of the trust information D3 changes to the current position. 2The location of trust information D1 in the figure.

It should be noted that the purpose of setting up a trust supervisor is to prevent the trustee from violating his duties or exceeding his authority, thereby protecting the interests of the beneficiaries. To further explain, when a user acts as a trust supervisor for others, he or she cannot view all the details of other people's trust product information. In other words, users can only view part of other people's trust product information.

In some embodiments, please refer to Figures 1 and 2. After the user has checked all his trust information (for example, trust information D1 to trust information D3) through the mobile device 120, the user can use the mobile device 120 to 120 inputs editing instructions to generate trust instruction data of the authorized trustee (for example, the institution integrating the server 110 or the institution of the trust institution server 130), and then handles the relevant property in the own trust. At this time, the mobile device 120 is used to receive the user's editing instruction, and to generate the trust instruction data to the integration server 110 or the trust institution server 130 based on the editing instruction and the trust data D1 to D3 of the trust electronic passbook. In some embodiments, the trust instruction information includes one of a trust instruction letter and a trust expense request form.

In some embodiments, the property server 140 is used to store trust property information corresponding to the trust account of the mobile device 120 . Next, the organization that integrates the server 110 or the organization of the trust institution server 130 acts as the trustee, and is further used to generate debit money from the trust property information based on the trust instruction information, so as to perform according to the content of the agreement with the trustor in the trust deed. Management and use of various properties until the expiration of the trust deed or the completion of the trust purpose. In some embodiments, the above-mentioned trust property information includes money, monetary claims, securities, movable property, real estate, leasehold or land rights, patent rights or copyrights, and other property rights.

Based on the foregoing embodiments, this case provides a trust passbook system to compile trust information from different trust institutions, and allows users to query the trust passbook system in this case to confirm the trust contracts and trust contents of all relevant trust products, and then submit the trust information to the relevant trusts. The institution files a trust instruction letter.

Although this case is disclosed above with detailed embodiments, this case does not exclude other feasible implementation forms. Therefore, the scope of protection in this case shall be determined by the scope of the attached patent application and shall not be limited by the foregoing embodiments.

For those skilled in the art, various modifications and modifications can be made to the present application without departing from the spirit and scope of the present application. Based on the foregoing embodiments, all changes and modifications made to this case are also covered by the protection scope of this case.

100: Trust passbook system 110:Integrated Server 120:Mobile device 130:Trust institution server 140:Property Server C: Trust related party field D1~D3: trust information

The contents of this case can be better understood with reference to the implementation methods in the following paragraphs and the following diagrams: Figure 1 is a circuit block diagram of a trust passbook system according to some embodiments of this case; and Figure 2 is a schematic diagram of a display screen of a mobile device of the trust passbook system according to some embodiments of this case.

100: Trust passbook system

110:Integrated Server

120:Mobile device

130:Trust institution server

140:Property Server

Claims (10)

A trust passbook system that includes: an integrated server; and a mobile device coupled to the integration server and used to register a trust account with the integration server, wherein the integration server is used to generate a trust electronic passbook based on the first trust information corresponding to the trust account, The trust account is thereby stored in the mobile device, wherein the mobile device is used to display the first trust information of the trust electronic passbook in the trust account. The trust passbook system as described in request 1 further includes: At least one trust institution server is coupled to the integration server and used to store at least one second trust information. The trust passbook system described in claim 2, wherein the at least one trust institution server includes one of a bank server and a land administration server. The trust passbook system as described in request item 3, wherein the integration server is also used to perform an integration operation based on the first trust information and the at least one second trust information, so as to store the trust account in the mobile device. The trust electronic passbook. The trust passbook system as described in claim 4, wherein the mobile device is further used to receive at least one editing instruction, and to generate a generated file based on the at least one editing instruction, the first trust information and the second trust information of the trust electronic passbook. A trust instructs information to the integration server or the at least one trust institution server. The trust passbook system as described in claim 5 further includes: A property server is coupled to the integration server and the mobile device, and is used to store trust property information corresponding to the trust account of the mobile device. The trust passbook system described in claim 6, wherein one of the integration server and the at least one trust institution server is further used to generate a debit amount from the trust property data based on the trust instruction data. The trust passbook system described in claim 7, wherein the first trust information and the at least one second trust information each include one of a trust product information and a trust contract information. The trust passbook system described in claim 8, wherein the trust deed information includes one of a trust effective date, a trust termination date and a trust related party information. As for the trust passbook system described in claim 9, the type of the trust product information includes one of a nursing trust, a financial management trust, an insurance trust, a real estate trust and a charity trust.

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