200919356 九、發明說明： 【發明所屬之技術領域】 本發明係有關於一種金融電子商務領域之財產保險，特別有關於 運用網路科技創造一擁有資金競標機制的投資型財產保險之方法與 系統。 【先前技術】 產物保險基本上反映該國的經濟活動以及國民生活的水準。以西 元2002年產壽險總保費達一兆美元的美國來說，產物保險的保費收 入即高達52%。我國的產物保險市場還不及美國發達，就2〇〇6年而 5，我國產物保險保費總收入僅一仟一信四拾億元，僅佔全國產壽險 保費收入的6.8%。主要原因除了商業的發展落差之外，應該是產物 保險内容的貧乏，以及一昧地注重傳統保障型商品，而無法反映網路 時代活絡的金融市場的資金效率所致。 儲蓄型財產保險是德國財產人壽保險發明的(Pr〇perty Life Insurance)，但將其具體商品化是日本的產物保險業者。日本產險業 者為滿足該國人民偏好儲蓄之習慣，特於1%3年推出結合「保障」 與「儲蓄」功能之火災儲蓄保險，到了 年儲蓄型財產保險(主要 以儲蓄型錢保險_蓄型傷害紐)的保餘人竟纟全體保費收入 的42.6% ’其中儲蓄部份更占保費收入的絕大部份。反觀我國的產險 200919356 市場’雖财職爭賴，卻因為產品内容缺乏儲f，所以―直存在 普及率偏低的現象。 儲蓄型財產保險軸為日本的產物保險公司帶來龐A的營收，卻 仍然承受祿猶崎縣舰的絲，於是鋪收人"逐年下滑 至1993年的32.4%。其次，面對網路科技世界資訊發達，投資商品 的熱絡H肖費者儲蓄觀念的改變’使大多數的客戶不再熱衷於這 種長天_定利率的儲蓄型商品。因此，如何讓儲蓄型財產保險能夠 排除利差風險’錢之成為貼近市場動_麵金_品，就成為產 險業界夢寐以求的境界。200919356 IX. INSTRUCTIONS: [Technical field to which the invention pertains] The present invention relates to property insurance in the field of financial e-commerce, and in particular to a method and system for using network technology to create an investment property insurance system with a capital bidding mechanism. [Prior Art] Product insurance basically reflects the economic activities of the country and the level of national life. In the United States, where the total life insurance premiums of US dollars reached US$1 trillion in 2002, the premium income of product insurance was as high as 52%. China's product insurance market is not as developed as the United States, on the 2nd and 6th years. 5, China's product insurance premiums total income is only one billion, four billion yuan, accounting for only 6.8% of national life insurance premium income. The main reason is that, besides the gap in commercial development, it should be the lack of product insurance content, as well as the traditional protection of goods, and cannot reflect the capital efficiency of the active financial market in the Internet age. Savings property insurance is invented by German property life insurance (Pr〇perty Life Insurance), but its specific commercialization is a Japanese product insurer. In order to satisfy the people's preference for saving, the Japanese property insurance industry introduced a fire saving insurance system that combines the functions of "guarantee" and "savings" in 1% and 3 years, and the annual savings-type property insurance (mainly in the form of savings-type insurance) The insured person of the type of injury is actually responsible for 42.6% of the total premium income. The savings portion accounts for the vast majority of premium income. In contrast, China's property and casualty insurance 200919356 The market's reliance on financial positions, but because of the lack of product content, so there is a phenomenon of low penetration rate. The savings-type property insurance axis brought the revenue of Pang A to Japan's product insurance company, but still bears the silk of the Luisaki County ship, so the shopper has declined to 32.4% in 1993. Secondly, in the face of the development of information technology in the world of Internet technology, the change in the concept of savings in the investment of goods has made most customers no longer keen on this long-term savings-type commodity. Therefore, how to make savings-type property insurance can eliminate the spread risk. The money has become close to the market, and it has become the realm of the industry.
美國專利公告號US 6,236,973 B1之發明「APPARATUS AND method for providing collateral construction LOAN INSURANCE COVERAGE」揭示-種供貸款銀行抵押建築物 融資貸款保險覆蓋率計算及補強之服務，根據所提供融資之抵押建築 物特性(地點、屋齡、價值··.），電子化量身訂作—合.適之保險保額及 風險覆蓋率，並自動附帶上融資契約，讓貸款銀行省去繁雜之保險作 業程序同時旱有元整之保險保障，確保款項貸放而得以安全回收，而 不致因天炎或意外導致或有之損失。惟此一方法雖提供客戶(建築物 抵押貸款融資方)快速計算且降低抵押品因災害減失之風險，但仍舊 疋一種傳統型的財產保險，完全沒有儲蓄的功能，更別說可藉此一保 險獲得額外之投資機會。 200919356 美國專利公告號US6,772，128 B2之發明「nuclear DECOMMISSIONING INSURANCE FINANCIAL PRODUCT AND method」揭示一種特殊目的的財產保險，要保人購買此一保險後， 在特定期間㈣享有此—紐在事件發生時的所有支出之免負擔的 權利’如該專儲之⑽巾制域電紐保—份這樣的保險，在契 約約定的_内，若_電廠因_按計_紐役，那麼除役過 程所需(麵可能花_費用、成本，㈣碰公司承擔，以免除核 電廠不確料間除役所產生的或有損失或成本。此專利案不失為一創 新的保險金融商品，·在要_容有所革新外，基本上仍是一種傳 統的財產鑛，功料調、並無輯更無投資之功能要保人只能將 保險資金作單純地投錢用，顺他所，因此這份補案鴨有其偈 限性。 【發明内容】 綜上所述’本發明提供-種投資型財產保險之方法與系統，以解 決以上問題。本發明之發明目的如下： L本發明建構―資金競標機制，讓贿保險的缴費方式 ’從儲蓄型 財產保險的平準式固定利率缴費，成為變動的、可自我主張利率 的缴費方式’使財產保轉•投資朗產保險。 2.本發明建構的資金競標機制，使用者的競標標金可以反映市場利 200919356 率和市場資金水位，當市場資金需求活絡時，投資商品暢旺，利 率上揚；市場資金需求趨緩時，投資標的少，利率下跌；當市場 利率直接反映在資金競標平台上時，客戶所參與的投資型財產保 險產品，便成為具為資訊對稱性的直接金融理財商品。 3. 確保保險_之安定：保險契約之安定，乃影響健公司的營運 能否健全的因素之-。-般產物保險多為一年期的短娜單，保 單屆滿時，變動性很大，造成保險公司很大的困擾。傳統儲蓄型 財產保險商品，雜具有長雛_的擔，卻無法反映網路時 代資訊的對稱性，無法讓產品貼近市場，因此，解約率還是彳艮高。 本發明之資金競標機制所發揮的資訊對稱性，一舉解決這些問 題，以確保契約的安定。 4. 創造現金流量：投資型財產保險競標機制之推出，可以增加保險 人之現金流量，同時增加保險人之信用能力，有助於資金之投資 運用。 5·增加投保率：就我國火災保險而言，投保動機是基於申請房贷時， 銀行強制要求投保所致，無房屋貸款需求的消費者投保火災保險的意 願極低。因此，投資型財產保險競標機制之推出，可以吸引無房屋貸 款需求的消費者投保，而增加投保率。 為達成上述目的，本發明提供一種投資型財產保險之方法，其應 200919356 用於一投資型財產保險系統，該方法包含有下列步驟： 由一要保人以一電子憑證進入該投資型財產保險系統，該投資 型財產保險系統之一投資型財產保險處理模組從一電子憑證核發機 構獲得並審核對應該電子憑證之該要保人之該基本資料； 由該投資型財產保險處理模組審核該要保人所要保險之一被保 險標的物以賦予該被保險標的物之一保額，由該要保人購買由該投資 型財產保險處理模組所提供之一投資型財產保險保單，該投資型財產 保險保單包含一競標交易組合； 由該投資型財產保險系統之一信用評量及增強模組審核由該要 保人所提供之該要保人之一徵信資料、一擔保品及該投資型財產保險 保單中至少一者，以賦予該要保人之一信用額度； 當該要保人之該信用額度係大於或等於該競標交易組合之一總 會款時，由該要保人進入該投資型財產保險系統並輸入一投標金額以 參與競標，該投資型財產保險系統之一資金競標模組根據所輸入之該 投標金額，計算投標之該要保人之一平均存款利率與一借款利率，並 根據該資金競標模組之一資金餘額與有投標之該要保人之該借款利 率的高低以決定一得標金額與得標人數； 由該投資型財產保險系統之一金流處理模組根據該得標金額結 算一總得標金與一還款金額’並根據得標之該要保人之該平均借款利 200919356 率與-存款標金、或未得標之該要保人之最高投標金額、或基準利率 來結算一存款金額； 由該金流處賴組交職總得標金以存人得標之該要保人之一 個人子帳戶、已存入未得標之該要保人之一個人虛擬帳戶之該存款金 額、及已得標之該要保人在每-會期所賴之_款金額； 由該投資型財產保險系統之一理賠作業處理模組判斷該投資型 財產保險保單是否到期； ( 右該投資型財產保險保單到期，則由該金流處理模組結算與交割 該個人子帳戶之該總得標金經投資之一資產淨值或該個人虛擬帳戶 之該存款金額之現值給該要保人； 右該投資型難佩料未職，獅紐料業處賴組判斷 該被保險標的物是否出險； 若該被保險標的物出險’則由該理賠作業處理模組判斷是否以全 額理賠方式給付一保險理賠金；以及 若以全額理财式給付該保險理賠金，黯該金流處理模組給付 (: 魏祕齡及轉與雜棚人子❹之職娜碰投資之該 資產淨值再扣_餘會狀—總還款金微之餘額或該個人虛擬帳 戶之該存款金額之現值給一受益人。 本發明提供一種投資型財產保險系統，包含： 一投資型財魏險處賴組，肋根據-要保人之—電子憑證從 該投資型財產保險系統外部之一電子憑證核發機構取得該要保人之 -基本資料，並審減基本龍，提供_财_產碰解以供該 要保人選觸買’該投資赌產紐料包含—雜交易組合； 200919356 一信用評量及增強模組，用以審核由該要保人所提供之一徵信資 料、一擔保品及該投資型財產保險保單中至少一者，以賦予該要保人 之一信用額度’判斷該要保人之該信用額度是否大於或等於該競標交 易組合之一總會款； 一資金競標模組，用以由該要保人輸入一投標金額以計算一平均 存款利率與-借款利率’根據該資金競標模組之―資金餘額與該借款 利率的高低以決定一得標金額與得標人數； -理賠作業處理模組，用關斷該被保險標的物是否出險或者該 投資型財產保險保單是否到期；以及 一金流處理模組，用以根據該得標金額結算一總得標金與一還款 金額，並根據該平均借款利率與一存款標金”戈最高投標金額、或基 準利率來結算-存款金額，交割該總得標金以存入該個人子帳戶、已 存入該個人虛練戶之鱗款麵、及已娜之該魏人在每一會期 所繳納⑼還款金額’滅舰料祕職組之躺絲給付一保 險理賠金，結算與域該個人子帳戶之魏得標金經投資之一資產淨 值在扣除麵會m款金嫩之餘贼職人触帳户之該 存款金額之現值。 【實施方式】 為使本發明可具體實施，在下文中將詳細描述本發明之實施方 200919356 式’並列舉較佳之具體實施例以說明之， 圖一係本發明之投資型財產保險系統之方塊圖。在圖一中，投資 型財產保險系統402藉由網路、有線及無線通訊方式與要保人所使用 之投資型財產保險系統402外部之一要保人終端機者4〇1(如電腦、手 機、PDA等裝置)進行通訊，而與要保人做一即時安全之訊息交換。 下文中將描述投資型財產保險系統4〇2所包含之各模組。 一投資型財產保險處理模組405根據要保人之一電子憑證從投 資型財產保險系統402外部之-電子憑證核發機構4〇3取得該要保人 之基本資料，並審核該基本資料。由一金流處理模組41〇收取要保 人所繳納之保費，而由投資型財產保險處理模組4〇5核發投資型財產 保險保單之一電子保單給該要保人。 在接收要保人提出一投資型財產保險保單申請及所填寫之基本 資料後，投資型財產保險處雜組4〇5根據要保人的電子憑證審核要 保人身分及該保單申請之資料，如審核要保人實質風險因素（如年 齡、性別、被保險標的物之財產狀況等）及非實質風險因素（如職業、 財務狀況等）’並進储資麵產微料之絲健，以評估及決 定該保單之建立條件、財產承絲g，並賊鮮之极植決定要 保人所參與之贿交胃組合之絲細，接著料—料成立訊息給 要保人。 11 200919356 投資型財產保險處理模、组405提供一投資型財產保險保單以供 要保人選擇購買，該投資型財產保險保單包含一競標交易組合。其 中’該競標交易組合包含一競標期限、一競標期數及一總會款。 其中，財產保險的種類包含一火災保險、一海上保險、一責任保 險或針對要保人分散不同風險之需求所擬定之保險。被保險標的物係 為不動產、動產或第三人之責任賠償。當財產保險為有關財產之責任 保險時，因被保險標的物出險時所致損害之一第三人，該第三人擁有 保險理賠金之請求權。 一信用評量及增強模組406審核要保人所提供之一徵信資料、一 擔保品及該要保人所購買之投資型財產保險保單中至少一者，經審核 後以賦予要保人之一信用額度。信用評量及增強模組4〇6可判斷要保 人之信用額度是否大於或等於其所選擇之競標交易組合的總會款。 當信用評量及增強模組406所審核之被保險標的物為擔保品 時，要保人係紐紐獅物之所械人，該魏人倾產保險之被 保險人係為同一人。 一資金競標模組407在參與競標之要保人的信用額度大於或等 於競標交餘斜的齡款時，由魏人如魏人終賴輸入 -投標金額至投資型財產保險系統4G2，資金競標模組4G7根據其資 金餘額與紐辨㈣伽鍵—縣麵與得標人數^ f金競標模 12 200919356 組407將開標結果經由要保人終端機4〇1傳送至要保人。資金競標模 組407將前述各項資料存入資料庫411。 一投資作業處理模組408提供各種投資標的以供要保人選擇。投 資作業處理模組408經由要保人終端機401公佈對應已得標之要保人 之一投資子帳戶所投資之一投資標的、一投資損益及一資產淨值等資 料給要保人。其中，投資標的包含共同基金、有價證券及衍生性金融 商品至少一者之金融商品。 一理賠作業處理模組409接收由投資型財產保險系統4〇2外部之 一保險公司理賠作業系統404所傳送之理賠申請結果，以判斷被保險 標的物是否出險或者投資型財產保險保單是否到期。其中，該理賠申 請結果係在被保險標的物出險時，由一保險公司接收理賠申請並進 行保險事故認定，以及判斷是否符合理賠標準。 一金流處理模組410根據該得標金額結算一總得標金與一還款 金額，並歸鮮均借制顿-存款標金、或最紐標金額、或基 準利率來結算—存款金額’交絲顯之魏人之味人個人虛擬帳 戶的存款金額、得標之要保人的總得標金以存入個人子帳戶、及已得 標之要保人在每一會期所繳納之還款金額。 金流處理模組410根據理賠作業處理模組棚之判斷結果給付一 保險理賠金’以及結算與交_人子帳戶之鱗標金經投資之一資產 13 200919356 淨值在扣除剩餘會期之一總還款金額後之餘額或個人虛擬帳戶之存 款金額之現值金額給要保人。 在要保人已得標時，金流處理模組410結算保險理賠金加上個人 子帳戶之總得標金經投資的資產淨值在扣除該總還款金額後之餘 額，若保險理賠金加上該餘額為正值，則給付要保人，若保險理賠金 加上該餘額為負值，則金流處理模組410處理擔保品以抵繳之。 一資料庫411用以由投資型財產保險處理模組405存取要保人之 基本資料、投資型財產保險保單、競標交易組合等資料，由信用評量 及增強模組406存取要保人之徵信資料、擔保品、投資型財產保險保 單、信用額度等資料，由資金競標模組407存取投標金額、平均存款 利率、借款利率、資金餘額、得標金額與得標人數等資料，由投資作 業處理模組408存取投資標的、投資損益及資產淨值等資料，由理賠 作業處理模組409存取被保險標的物之出險資料與投資型財產保險 保單之資料’及金流處理模組410存取得標金額、總得標金、還款金 額、總還款金額、平均借款利率、存款標金、最高投標金額、基準利 率、存款金額、保險理賠金、擔保品、投資型財產保險保單、個人子 帳戶及個人虛擬帳戶等資料。 具有直接金融特性之自主性利率存借方法主要建構在資金餘額 平衡的概念上’由投資型財產保險系統4〇2之資金競標模組4〇7根據 200919356 各投標者(即要保人)之投標金額來計算出對應之借款利率，並根據資 金餘額及借款利率之高低來決定各時間點（即開標時間）可得標之人 數、各龍者(祕娜人)可制之總魏金，以絲得標^在此 為存款者’亦為要保人）應存款之金額。執行步驟如下： 步驟一：令得標人數為零，由資金競標_且407計算本時間點之 資金餘額。資錢標模組407對於資金餘額的計算方式係將該時間點 之所有未得標者應存款之金賴去該時間點所有籠者之總得標 金。在此步驟中僅需計算所有存款者之總存款金額，未得標者所需= 款之金額。從利息給付的先後，有以下兩種計算式： 利息先支付：C/· - ......................................................(1) 利息後支付：C/............................. ******...............(2) 其中， r係為投標者之一競標上限； 汉"係為根據第η狀基祠料算而得之存款者之存款標金。 另外，得標者(借款者)之總得標金，從利息給付的先後，有以下 兩種計算式： ： An=(U~ln)x(N-n) + Ux(n~\).....................(3) 利息後支付：Μ) + ζ/χ(“) + |^..................... i-j ......^ . 其中， 砍係為得標者於第《期得標之總得標金； t/係為一競標上限； #係為競標期數； «係為一現行期數，且; 15 200919356 人係為得標者於第”期之得標金額； 係為存款者於第，期進行存款之金額，且心。 ^ ^述翻糊€射付’雜在借款之時，制的本金已先行本 ^應—息，咖__触；指在· =到完整的本金，在未來償還時再行細息，類似於 或房貸的作法。 步驟一.由資金競標模組4〇7判斷前一日夺間點之資金餘額Β本 時_金餘執（亦即^金水位)是否小於_。絲一時間點 之資金餘額X加上树_資金餘額V〗、於等於零㈣似0)， 則資金競標模組撕判斷該時間點不進行開標；相反地，若資金競標 模組407騎資金餘額大於零，貝m入步驟三。The invention of the US Patent Publication No. US 6,236,973 B1 "APPARATUS AND method for providing collateral construction LOAN INSURANCE COVERAGE" reveals a loan-to-loan bank mortgage financing loan coverage calculation and reinforcement service, according to the characteristics of the mortgaged building provided by the financing (Location, age, value · ·.), electronic tailor-made - suitable insurance coverage and risk coverage, and automatically attached to the financing contract, so that the loan bank can save the complicated insurance operation procedures at the same time There is a comprehensive insurance guarantee to ensure that the money is loaned and safely recovered without causing or causing losses due to natural inflammation or accidents. However, this method provides customers (building mortgage financing parties) with quick calculations and reduces the risk of collateral loss due to disasters. However, it still has a traditional type of property insurance and has no function of saving, let alone An insurance obtains additional investment opportunities. 200919356 The invention of US Patent Publication No. 6,772,128 B2 "nuclear DECOMMISSIONING INSURANCE FINANCIAL PRODUCT AND method" reveals a special purpose property insurance, which is to be enjoyed by the insured person during the specified period (4). At the time of all the expenses of the burden of the burden of 'such as the special reserve (10) towel domain electric insurance - such insurance, in the contract agreement _ if the _ power plant due to _ according to the vacancy, then the decommissioning process The need (face may cost _ cost, cost, (4) to touch the company to avoid the loss or cost of the nuclear power plant indefinitely deducted. This patent is an innovative insurance financial product, In addition to innovation, it is still basically a kind of traditional property mine. It has the function of adjusting the power, not compiling and not investing. The insurer can only use the insurance funds for pure investment. The invention has the following advantages: The present invention provides a method and a system for investing in property insurance to solve the above problems. The object of the present invention is as follows: The construction of the “financing bidding mechanism” allows the payment method of bribe insurance to be paid from the fixed-rate fixed-rate interest rate of the savings-type property insurance, and becomes a variable payment method that can claim the interest rate automatically. 2. The capital bidding mechanism constructed by the present invention, the user's bidding standard can reflect the market profit 200919356 rate and the market fund water level. When the market capital demand is active, the investment products are booming and the interest rate rises; when the market capital demand slows down, the investment target Less, interest rates fall; when the market interest rate is directly reflected in the fund bidding platform, the investment-type property insurance products that the customer participates in become the direct financial wealth management products with information symmetry. 3. Ensuring Insurance _ Stability: Insurance Contract The stability is a factor that affects the health of the company's operations. - The general product insurance is mostly a one-year short-term bill. When the policy expires, the change is very large, causing great trouble for insurance companies. Traditional savings Type of property insurance products, miscellaneous with long _ _, but can not reflect the symmetry of information in the Internet era, can not let products paste The market, therefore, the cancellation rate is still high. The information symmetry of the capital bidding mechanism of the present invention solves these problems in one fell swoop to ensure the stability of the contract. 4. Create cash flow: the introduction of the investment property insurance bidding mechanism, It can increase the cash flow of the insurer and increase the credit ability of the insurer, which will help the investment of funds. 5. Increase the insurance rate: In the case of China's fire insurance, the motive for insurance is based on the application for mortgage, the bank mandates the insurance As a result, consumers who do not have a housing loan demand have a very low willingness to insure fire insurance. Therefore, the introduction of the investment property insurance bidding mechanism can attract consumers who do not have a home loan demand to insure, and increase the insurance rate. To achieve the above objectives, The invention provides a method for investment property insurance, which is used in an investment property insurance system according to 200919356, the method comprises the following steps: The insurance property is entered into the investment property insurance system by an insured person with an electronic voucher, the investment property An investment property insurance processing module of an insurance system from an electronic voucher The issuing institution obtains and reviews the basic information of the insured person corresponding to the electronic certificate; and the investment property insurance processing module reviews one of the insured persons to be insured to give the insured object one of the insured objects Insured amount, the insured person purchases an investment property insurance policy provided by the investment property insurance processing module, the investment property insurance policy includes a bidding transaction portfolio; one credit of the investment property insurance system The assessment and enhancement module audits at least one of the credit information, a collateral and the investment property insurance policy provided by the insured person to give the insured a credit line When the credit line of the insured person is greater than or equal to one of the total amount of the bidding transaction portfolio, the insured enters the investment property insurance system and enters a bid amount to participate in the bidding, the investment property One of the insurance system funds bidding module calculates an average deposit interest rate of the insured person and a borrowing rate according to the bid amount input, and according to the capital The fund balance of one of the bidding modules and the interest rate of the borrower of the bidder to determine the winning amount and the number of bidders; the gold stream processing module of the investment property insurance system is based on the winning bid Amount settlement 1 total amount of the winnings and a repayment amount' and based on the winning average of the insured's average borrowing profit of 200919356 and the deposit amount, or the unsuccessful bidder's maximum bid amount, or benchmark The interest rate is used to settle a deposit amount; one of the individual sub-accounts of the insured person who has obtained the bid of the depositor, and one of the personal virtual accounts of the insured person who has not been awarded the bid The amount of the deposit, and the amount of the amount that the insured person has to pay in each session; the claim processing operation module of the investment property insurance system determines whether the investment property insurance policy expires; (After the investment property insurance policy expires, the cash flow processing module settles and delivers the net asset value of the total amount of the investment in the individual sub-account or the present value of the deposit amount of the personal virtual account to The insured The investment type of the right is difficult to admire, the lion group is responsible for judging whether the insured object is in danger; if the insured object is out of danger, then the claim processing module determines whether to pay the full amount of claims. Insurance claims; and if the insurance claims are paid in full wealth management, the gold flow processing module will pay (: Wei Miling and transfer to the shacks of the shacks) The present value—the balance of the total repayment amount or the present value of the deposit amount of the individual virtual account to a beneficiary. The invention provides an investment property insurance system, comprising: an investment-type financial insurance insurance group, which is obtained according to an electronic certificate issuing institution from an electronic certificate issuing institution outside the investment property insurance system. People - basic information, and reduce the basic dragon, provide _ _ _ production touch for the guarantor to choose to buy 'the investment gambling production materials contain - miscellaneous trading portfolio; 200919356 a credit rating and enhancement module, For reviewing at least one of the credit information, a collateral, and the investment property insurance policy provided by the guarantor to give the one of the guarantor a credit line 'determining the credit of the guarantor Whether the amount is greater than or equal to one of the total bids of the bidding transaction portfolio; a fund bidding module for inputting a bid amount by the insured person to calculate an average deposit interest rate and a -borrowing interest rate according to the bidding module of the fund ―The balance of the fund and the interest rate of the borrowing to determine the amount of the winning bid and the number of bidders; - The claim processing module, whether to shut down the insured object or whether the investment property insurance Whether the order expires; and a gold flow processing module for clearing a total winning amount and a repayment amount according to the winning amount, and based on the average borrowing rate and a deposit amount, the highest bid amount, or benchmark The interest rate is settled - the deposit amount, the total amount of the deposit is paid to be deposited into the individual sub-account, the scale of the person who has been deposited in the individual's imaginary household, and the person who has been paid by the Wei person at each session (9) The amount of 'destruction of the ship's secret group's lay-up payment for an insurance claim, settlement and domain of the individual sub-account of the Wei De standard gold investment of one of the net assets in the deduction of the face of the m-jinnin after the thief staff touch account The present value of the deposit amount. [Embodiment] In order to make the present invention implementable, the embodiment of the present invention will be described in detail below, and the preferred embodiments are illustrated to illustrate the preferred embodiment of the present invention. Block diagram of the property insurance system. In Figure 1, the investment property insurance system 402 is secured by one of the external types of the investment property insurance system 402 used by the insurer by means of network, wired and wireless communication. The operator 4〇1 (such as a computer, a mobile phone, a PDA, etc.) communicates with the insured person to make an instant and secure message exchange. The modules included in the investment property insurance system 4〇2 will be described below. An investment property insurance processing module 405 obtains basic information of the insured person from the electronic voucher issuing institution 4〇3 outside the investment property insurance system 402 according to one of the electronic documents of the insured person, and reviews the basic information. A gold flow processing module 41 receives the premium paid by the insured person, and the investment property insurance processing module 4〇5 issues an electronic insurance policy for the investment property insurance policy to the insured person. After submitting an application for investment-type property insurance policy and the basic information to be filled in, the investment-type property insurance office miscellaneous group 4〇5 reviews the identity of the insured person and the application for the policy according to the electronic certificate of the insured person, such as reviewing the insured person. Substantial risk factors (such as age, gender, property status of the insured subject matter, etc.) and non-substantial risk factors (such as occupation, financial status, etc.) The decision to establish the conditions of the policy, property bearing silk g, and extremely fresh thief decided to plant a combination of the guarantor to pay bribes to participate in the stomach thin wire, then the material - material set up message to the proposer. 11 200919356 Investment property insurance processing model, group 405 provides an investment property insurance policy for the purchaser to choose to purchase. The investment property insurance policy includes a bidding transaction portfolio. Among them, the bidding transaction portfolio includes a bidding period, a bidding period and a general meeting. Among them, the types of property insurance include a fire insurance, a marine insurance, a liability insurance or insurance for the needs of the insured to spread different risks. The insured property is the liability for the immovable property, movable property or third party. When the property insurance is the liability insurance of the relevant property, the third party has the right to claim the insurance claim for the third party due to the damage caused by the insured property. A credit rating and enhancement module 406 audits at least one of the credit information provided by the insurer, a collateral, and an investment-type property insurance policy purchased by the insured person, after being audited to give the insured One of the credit lines. The credit rating and enhancement module 4〇6 can determine whether the credit limit of the insurer is greater than or equal to the total amount of the bidding transaction combination selected by the insurer. When the insured object reviewed by the credit rating and enhancement module 406 is a collateral, the insured person of the Weiren Custody Insurance is the same person. When the capital bidding module 407 participates in the bidding, the credit limit of the insurer is greater than or equal to the age of the bidding balance, and the Weirenruwei people rely on the input-bid amount to the investment property insurance system 4G2, the capital bidding module 4G7 according to its fund balance and new identification (four) gamma - county and winning number ^ f gold bidding model 12 200919356 group 407 will open the bidding results through the insured terminal 4 〇 1 to the insured. The fund bidding module 407 stores the aforementioned items in the database 411. An investment job processing module 408 provides various investment criteria for the policy holder to choose. The investment operation processing module 408 issues, via the insured terminal 401, information on one of the investment targets, an investment profit and loss, and a net asset value of one of the investment sub-accounts of the insured person who has obtained the bid to the insured. Among them, the investment target includes financial products of at least one of mutual funds, marketable securities and derivative financial products. A claim operation processing module 409 receives the claim application result transmitted by the insurance company claims operation system 404 outside the investment property insurance system 4〇2 to determine whether the insured object is in danger or the investment property insurance policy expires. . Among them, the result of the claim application is that when the insured object is out of danger, an insurance company receives the claim application and determines the insurance accident, and judges whether the claim is in compliance with the claim standard. A gold stream processing module 410 settles a total winning amount and a repayment amount according to the winning amount, and remits the amount of the deposit-deposit amount, or the maximum amount of the standard amount, or the benchmark interest rate to settle the deposit amount. The amount of the deposit of the personal virtual account of the person who is the person of Weiwei, the total amount of the winning bidder of the person who has obtained the bid, is deposited in the personal sub-account, and the required guarantee has been paid by the insured person at each meeting. Amount. The gold flow processing module 410 pays an insurance claim payment according to the judgment result of the claims operation processing module shed, and one of the assets of the settlement and payment _ the sub-account's scale standard gold investment 13 200919356 net value is deducted from one of the remaining sessions The balance of the repayment amount or the present value of the deposit amount of the personal virtual account is given to the insured. When the insured person has obtained the bid, the gold flow processing module 410 settles the insurance claim and the total net amount of the individual sub-account by the net asset value of the investment after deducting the balance of the total repayment amount, if the insurance claim is plus If the balance is positive, the insured person is paid. If the insurance claim plus the balance is negative, the gold flow processing module 410 processes the collateral to offset the collateral. A database 411 is used for accessing the basic information of the insured person, the investment property insurance policy, the bidding transaction combination and the like by the investment property insurance processing module 405, and the credit rating and enhancement module 406 accesses the insured person. The information on the credit information, collateral, investment property insurance policy, credit limit, etc., the fund bidding module 407 access to the bid amount, the average deposit interest rate, the borrowing rate, the fund balance, the bid amount and the number of people who have won the bid, etc. The investment operation processing module 408 accesses the investment target, the investment profit and loss, and the net asset value, and the claims operation processing module 409 accesses the insurance information of the insured object and the investment property insurance policy data and the gold flow processing module. Group 410 deposit amount, total amount of reimbursement, repayment amount, total repayment amount, average borrowing rate, deposit amount, maximum bid amount, benchmark interest rate, deposit amount, insurance claims, collateral, investment property insurance policy , personal sub-accounts and personal virtual accounts and other information. The autonomy interest rate deposit method with direct financial characteristics is mainly constructed on the concept of balance of fund balances. 'The investment bidding module of the investment property insurance system 4〇2 4〇7 according to 200919356 The bidders (ie the insurers) The bid amount is used to calculate the corresponding borrowing rate, and according to the balance of the fund and the interest rate of the borrowing, the number of people who can get the bid at each time point (ie, the time of opening the bid) and the total Wei Jin that can be made by each dragon (the secret person) are determined. The amount of money that should be deposited by the depositor is also the depositor. The steps are as follows: Step 1: The number of successful bidders is zero, and the fund balance _ and 407 calculate the balance of funds at this point in time. The calculation method of the fund balance module 407 for the fund balance is based on the total deposit of all the holders of the unsuccessful bidder at that point in time. In this step, only the total deposit amount of all depositors needs to be calculated, and the amount of the required amount is not obtained. From the order of interest payment, there are two calculations: Interest paid first: C/· - ............................. .........................(1) Payment after interest: C/................ ............. ******...............(2) where r is the bidding limit for one of the bidders; " is the deposit deposit of the depositor based on the n-based data. In addition, the total amount of the winning bidder (borrower), from the interest payment, has the following two calculations: : An=(U~ln)x(Nn) + Ux(n~\).... .................(3) Payment after interest: Μ) + ζ/χ(") + |^.............. ....... ij ......^ . Among them, the chop is the winner of the winning bid in the first period; t/ is the upper limit of bidding; # is the number of bidding periods; «The number of the current period, and 15 200919356 is the amount of the winning bidder in the first period; the amount of deposits made by the depositor in the first period, and the heart. ^ ^ 翻 翻 翻 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付 付, similar to or the practice of mortgages. Step 1. The fund bidding module 4〇7 judges whether the balance of the funds of the previous day is Β. _ Jin Yu Zhi (ie, the gold level) is less than _. The balance of funds of the time point of the silk plus the tree _ fund balance V〗, equal to zero (four) seems 0), the fund bidding module tears to judge that the time point does not open the bid; on the contrary, if the fund bidding module 407 rides the fund balance More than zero, shell m into step three.
在建構-趨近於直接金融的自主性利率存借機制時，在資金競標 模組407中的f金餘額應等於零。不過在資金競標模組術中的資金 餘額要恰料於零的解是微付微的。若資金雜池407中的資 金餘額大於零’對雜作本方法的金賴躺言該資錄額的型態 成為金融機_借人麵，會導致絲親之U縣生·若資 $競組4G7中的資金餘額小於零，對於操作本方法的金融機構而 °〜·貝金餘額的型態成為金融機構的糾金額’即可賺取些微的手 續費因而改變傳統金融機構賺取存放款利差的間接金融運作方式。 在此’自主性利率存借方法係假設資金競標模組4〇7中的資金餘額需 小於或等於零以作為競標交易之操作。 步驟一.進行借款利率之排序。若在步驟二之經資金競標模組 4〇7 a十算後的資金餘額大於零，則由資金競標模組4〇7將針對有下桿 之投標者的投標金額計算相對應之借款利率，並將之排序。資金競^ 16 200919356 模板4〇7在計算任-投標者於第”期（„落在本計算時間點上）投標 標金之借款利料，例如使⑽務學内部報酬率（)的觀令，先 使用下列計算式⑸計算^投標者先前各期醉均存款辦使用 下列計算式⑹計算投標當時間點若順利得標的借款利率及。計算式如 下： 乞㈣)x(/+r 广=t/x(”-7) /=7 *··♦··♦*» Σ ㈣，Γ+ρ(点 .…⑹ 其中， #係為競標期數； «係為一現行期數，且; 係為存款者於第/崎行存狀金額，且心； ^係為存款者鄕1〜吻之平均存款利率； k Λ係為借款利率； (3)及=為得標者舞娜標之總得標金，計算方式參照計算. :即將對應所有投標者之借款利率由利率高至低進行排序。 j驟四：資金競標模組4G7找蚊得f金餘 間點之資金餘額* 零之障况’顿討縣者之最少人數： 17 200919356When constructing an autonomous interest rate deposit mechanism that is close to direct finance, the balance of the f gold in the fund bidding module 407 should be equal to zero. However, in the fund bidding module, the balance of the funds should be expected to be zero. If the fund balance in the fund miscellaneous pool 407 is greater than zero', the type of the capital record of the miscellaneous crops will become the financial machine_borrowing face, which will lead to the birth of the U. The balance of the funds in the group 4G7 is less than zero. For the financial institution operating the method, the type of the balance of the ~Beginal balance becomes the amount of the financial institution's 'can earn a small fee and thus changes the traditional financial institution to earn deposits. The indirect financial operation of spreads. Here, the 'autonomy interest rate lending method assumes that the fund balance in the fund bidding module 4〇7 needs to be less than or equal to zero as the operation of the bidding transaction. Step 1. Sort the borrowing rates. If the fund balance after the fund bidding module is calculated to be greater than zero in step 2, the fund bidding module 4〇7 will calculate the corresponding borrowing rate for the bid amount of the bidder with the lower pole. And sort them. Capital Competition ^ 16 200919356 Template 4〇7 is used to calculate the loan benefit of the bidder in the “period” (“falling at this calculation time”), for example, to make (10) the internal rate of return () First, use the following formula (5) to calculate ^The bidder's previous period of the drunken deposit office uses the following formula (6) to calculate the borrowing interest rate if the bid is successful at the time. The calculation formula is as follows: 乞(4))x(/+r 广=t/x("-7) /=7 *··♦··♦*» Σ (4), Γ+ρ(点....(6) where, #系为The number of bidding periods; « is the current period, and is the depositor's deposit amount in the first/sakis, and the heart; ^ is the average deposit rate of depositors 鄕1~ kiss; k is the borrowing rate (3) and = the winner of the winner of the standard bid, the calculation method refers to the calculation. : The borrowing rate corresponding to all bidders will be sorted from high to low interest rate. j Step 4: Capital bidding module 4G7 The balance of funds for the mosquitoes to get the balance of the gold * The obstacle of zero - the minimum number of people in the county: 17 200919356
Min【η I式+XSO】 其中， .⑺ 見為當本時間點付標人數為n時之資金餘額； X為前一時間點之資金餘額。 f \ 步驟五：得標者之結算。雜得標者(借款者㈣言，金流處理模 組410在該時間點有投標者得標之情況下結算得標者之總得標金。金 流處理模組410依照利息給付的先後，有以下兩種計算式： 利息先支付.4 = (i/ —Jn)x(tv —n)+lx(Μ_ι) ....... (8) 利息後支付：Λ=ί/χπ-”) + ί/χ(„_ι) + |^..............(9) i-j 其中， Λ係為得標者於第”期得標之總得標金； ¢/係為一競標上限； #係為競標期數； «係為一現行期數，且w客# /„係為得標者於第„期之得標金額； /,係為存款者於第,·期進行麵之金額，且 上述前得標者需在往後_進行還款，還 i〈 η。 款金額的計算方式如 利息先支付： 利息後支付： 其中， U.... U + In t/係為一競標上限； 八係為投標者於第，投襟之金額。 •..(11) 200919356 可j驟〜未得標使用者之結算。資金競標模組407判斷本時間點 ^认數為„ ，金流處理模組·結算本時間點可得標 額料借款辨，再物_者（即械者）之存款金 〃理模組41〇、结算存款者之存款金額从係依照利息先後 支付有兩種計算方式： 利息先支付：似-⑷X㈣ 利息後支付：£/χ(1 +尺广=c/, 其中， £/係為一競標上限； #係為競標期數； -02) r 額； .(13) ； 係為一現行期數，且; 从係為根據第„叙平均借朗料算而得之絲者之存款金 及係為一平均借款利率。 呷篝財娜者得標，麵處理模組仙根縣均借款利率 汁算存祇金該未得標者所要存款之金額依利息給付的先後， 同樣使用以下兩種計算式·· 利息先支付：ί/-Ζ4 η.................. ........................ 利息後支付：r........................ .......................... 其中， [/係為一競標上限； 从係為根據第《期之平均借款利率計算而得之存款者之存款金 額。 200919356 若該時間點為無投標者得標，但投標者有下標（因未得標故需存 款），金流處理模組410對於投標者之存款金額的結算係從利息給付 的先後有以下兩種計算式： .......(16) .......(17) 利息先支付：£/-/¾ 利息後支付：ί/.......... 其中， C/係為一競標上限，· /开„係為投標者第”期未得標之最高投標金額。 在未得標者方面，若第”期為無投標者得標，且投標者並無下 標’金流處賴組41〇對峨標者之存款金_計算係制息給付的 先後有以下兩種計算式·· "(18) ....(19) 利息先支付： 利息後支付：C/........ 其中， U係為一競標上限； 汉”係為根據第η期之基準利率計算而得之存款者之存款金額。 圖二係本發明之投資型財產保險方法之流程圖。在描述圖二之流 程的同時’請一併參考圖一之各組件。 首先，由要保人向電子憑證核發機構403提供基本資料以申請 電子憑證（步驟sioi)’保險公司與網路認證之電子憑證核發機構4〇3 合作並審核要保人的基本資料後，核發保險電子憑證給予該要保人。 200919356 要保人以該電子憑證進入投資型財產保險系統402。投資型財產 保險處理模組405從電子憑證核發機構403獲得並審核對應該電子憑 證之要保人的基本資料(步驟Sl〇2)。投資型財產保險處理模組4〇5將 要保人的基本資料儲存於資料庫411。 由投資型財產保險處理模組405審核要保人所要保險之一被保 險標的物’以賦予該被保險標的物之一保額。要保人根據被保險標的 物之保額以購買由保單作業處理模組4〇5所提供之一投資型財產保 險保單(步驟S1G3)。其巾’該投資獅絲險保單包含—雜交易組 合。投資型財產保險處理模組4〇5將被保險標的物及投資型財產保險 保單等資料儲存於資料庫411。 其中’若要保人即為被保險標的物之一所有權人，則要保人亦為 上述各種職倾之被碰人，^具德随财之請求權；若要保 人非為被紐標的物之财權人，騎有獻柄產微之被保險 人，而具有保險理賠金之請求權。 信用評量及增強模組4G6審核由要保人所提供之徵信資料、擔 保品及投資型財產保險保單中至少—者，以賦予該要保人之一信用 額度(步驟SK)4W_量及增賴組德將徵信諸、擔保品、 技貝型財產保險保單及信用額度等資料儲存於資料庫叫。 其中’當由信用評量及增強模組柳審核被保險標的物為擔保品 21 200919356 時，要保人係為被保險標的物之所有權人，魏人與財產保險之被保 險人係為同一人。 若要保人即為被保險標的物之—所有權人，則要保人亦為財產保 險之被保險人’而具搞_賠金之請求權；若魏人胸皮保險標 的物之所有權人’舰所有獻為職她之被碰人，而具有保險 理賠金之請求權。 接著’由信用評量及增強模組406判斷要保人之信用額度是否 大於或等於練交緣合之總會款(步驟S1G5)，侧評量及增強模組 4〇6將判斷結果儲存於資料冑仙。若要保人之信用額度未大於或等 於競標交易組合之總會款，則信用評量及增強模組4〇6經由要保人終 端機401向要保人詢問是^要增提擔保品，以判斷要保人是否要進行 增提擔保品之程序(步驟Si〇6)。 右要保人不要增提擔保品，則要保人退出投資型財產保險系統 4〇2(步驟S107) ’若要保人要增提擔保品，則由要保人增提額外之擔 保品(步驟S108)，並回到步驟sl〇5。 若要保人之信用額度大於或等於競標交易組合之總會款 5則由金 流處理做410錄要保人所，並由投資麵絲險處理 模組405核發投資型財產保險保單之電子保單給要保人(步驟si〇9)。 當要保人之信用額度大於或等於競標交易組合之總會款時，由要 22 200919356 保人藉由要保人終端機·進入投資型財產保險系統4〇2參與競標， 並輸入-投標金額於投㈣財產保_編。f金競標模組4〇7根 據所輸入之聽金_上述自域卿存借綠之步驟三的描述以 計算投標之要保人之-平均存款利率與一借款利率，在上述自主性利 率存借方法之步驟-至四令，資金競標模組術並根據其資金餘額與 有投標之要保人之借款利率的高低以決定一得標金額與得標人數(步 驟s_。鱗’在當會縣職之魏人可在接下麵會期中繼續 參與競標，直到得標為止。 在上述自主性利率存借方法之步驟五中，由金流處理模組根 據該得標金糖算得標之要保人之總得標金與已·之要保人之還 款金額’在上述自錄利率存借方法之步驟六中，由金流處理模組 410根據得標之要保人之平均借款利率與未得標之要保人之一存款標 金、或未得標之要保人之最高投標金額、或基準利率來結算未得標之 要保人之一存款金額（步驟S111)。 接著’由金流處理模、組410交割總得標金以存入得標之要保人之 個人子帳戶赠紐抑之資金、錢已存人未聽之娜人之個人 虛擬帳戶之存牙欠金額以作為存款、及交割已得標之要保人在每一會期 所繳納之還款金額以作為還款(步驟S112)。 其中金/纟處3$模組410將要保人之存κ金額轉換成該會期得標 之要保人之麟標金的_部分；以及金流處職組·將要保人之得 23 200919356 標後之還款金額轉換成該會期得標之要保人之總得標金的一部分。 接著’由投資作業處理模組408提供各種投資標的以供要保人選 擇以將個人子帳戶之總得標金進行投資，投資作業處理模組4〇8經由 要保人終端機401公佈對應個人子帳戶之總得標金所投資之一投資 標的、一投資損益及一資產淨值，並將該等資料儲存至一資料庫 411(步驟 113)。 然後’由理賠作業處理模組4〇9根據保險公司理賠作業系統4〇4 所傳送的理賠資料來判斷投資型財產保險保單是否到期（步驟 S114)。若投資型財產保險保單到期，則由理賠作業處理模組4〇9通 知金流處理模組410以結算與交割已得標要保人之個人子帳戶之總 得標金經投資之資產淨值或未得標要保人之個人虛紐戶之存款金 額之現值給要保人(步驟sm)。其中，未得標之娜人所結算之現值 係由上述自主_轉借方法之步驟五所計算讀得標金。 若投資型財絲險保單未咖，獅理賠健處賴組根據 保險公司理賠作㈣統4G4所傳送的理賠資料來纖被保險標的物 是否出險(步驟S116)，若被保險標的物未出險，則進行步驟SU4 ; 若被保險標的物出險，則由理賠作業處理模組4〇9根據保險公司理賠 作業系統404所傳送的理賠資料來判斷是否以全額理賠方式給付一 保險理賠金(步驟S117)。 其中，當被保險標的物出險時，由一保險公司接收理賠申請，進 行保險事魏定，⑽靖是研合賴鮮，並練料請結果經 由保險公司理賠作業系、統4〇4傳送至理賠作業處理模組4〇9。 若不以全額理賠方式給付該保險理賠金，則由金流處理模組彻 24 200919356 依據投資型財產保險保單之契約内容給付部份保險理賠金(步驟 S118) ’並進行轉S114;如全_财式給付絲誠賠金，則 由金流處理模組41G給付保險理賠金及結算與錢已得標要保人之 個人子帳戶之總得標金經投資之資產淨值在扣_餘會期之總還款 金額(該總還款金額為剩餘會期應繳交之還款金額再依投資型財產保 險保單之事利率崎算之現值)後之餘額、或結算與交割未得 標要保人之個人虛擬帳戶之存款金額之現值(該現值係依投資型財產 保險保單之事先約定的利率折算而得)給一受益人(步驟S119)。 其中，右該要保人已得標，則由金流處理模組41〇結算理賠保險 金加上個人子帳戶之總得標金經投資的資產淨值在扣除總還款金額 後之餘額，若該理賠保險金加上該餘額為正值，則給付受益人，若該 理賠保險金加上該餘額為負值，則由金流處理模組41〇處理擔保品以 抵繳之。 在投資型財產保險保單未終止前，要保人依投資型財產保險保單 之契約内容按時繳交保費。當以全額理賠方式給付該保險理賠金給受 益人或投資型財產保險保單到期時，終止該投資型財產保險保單之契 約(步驟S120)。 下文說明一實施例’同時參考圖一及二’以說明本發明之投資型 財產保險之方法與系統的實施方式。 實施例 近年來由於天災人禍的消息頻傳，李君認為自家住宅有需要投保 產物保險’因此針對自有住宅之火災風險來投保一投資型財產保險。 25 200919356 首先，李君向電子紐核發機構·提供基本資料以申請電子憑 證(步驟簡）。接著’李君藉由要保人終端機4〇ι根據其電子憑證向 投資型財產保險系統402申請購買投資型財產保險保單，⑥由投資型 財產保險處理模、組405根據該電子憑證從電子憑證核發機構4〇3來取 (步驟slQ2)，f商產紐處理模組 405將李君的基本資料儲存於資料庫411。 由投資型財產保險處理模組4〇5審核李君所要保險之一被保險 標的物(即住宅建築物），以賦予該被保險標的物之-保額。要保人根 據被保險標的物之保額以購買由保單作業處理模組4〇5所提供之一 投貝型財產保險保單(步驟Sl〇3)。其中，該投資型財產保險保單包含 -具有-競翻限、-賴期數及__總會款之競標交該合。投資型 財產保險處理模組405將被保險標的物及投資型財產保險保單等資 料儲存於資料庫411。 李君所購買之投資型財產保險保單的條件如下Min [η I + XSO] Among them, (7) see the balance of funds when the number of bidders is n at this time point; X is the balance of funds at the previous point in time. f \ Step 5: Settlement of the winner. The winner (the borrower (4) said that the gold flow processing module 410 settles the total winning bid of the winner in the case where the bidder wins the bid at the time. The gold flow processing module 410 has the order of interest payment, The following two calculations are: Interest paid first. 4 = (i/ -Jn)x(tv —n)+lx(Μ_ι) ....... (8) Payment after interest: Λ=ί/χπ-” + ί/χ(„_) + |^..............(9) ij where Λ is the total winning bid for the winning bidder in the first period; ¢ / is the upper limit of bidding; # is the number of bidding periods; « is the number of current periods, and w is # / „ is the winning amount of the winner in the first period; /, is the depositor in the first , the amount of the face-to-face, and the above-mentioned winning bidders need to repay in the future _, also i < η. The amount of the amount is calculated as interest first: interest payment: Where, U.... U + In t/ is the upper limit of bidding; the eight series are the bidders in the first, the amount of investment. •..(11) 200919356 can be judged to the settlement of the unsuccessful user. The capital bidding module 407 judges the time Point ^ recognition number is „, gold flow processing module · settlement at this time point can get the standard amount of materials There are two ways to calculate the deposit amount of the depositor's deposit processing module and the settlement depositor. The interest is paid first: (-) (4) X (4) After interest payment :£/χ(1 + 宽宽=c/, where £/ is the upper limit of the bid; #系为竞期期; -02) r 额; .(13) ; is a current period, and; It is based on the average deposit rate of the silkworms based on the average income of the syllabus. The 呷篝 娜 娜 得 , , , , , , , , , 仙 仙 仙 仙 仙 仙 仙 仙 仙 仙 仙 仙 仙 仙 仙 仙The amount of money that the unsuccessful bidder wants to deposit depends on the interest payment. The following two calculation formulas are also used. • Interest is paid first: ί/-Ζ4 η................ .. ........................ Pay after interest: r................... ..... .......................... where [/ is the upper limit of the bid; the system is based on the average of the period The deposit amount of the depositor calculated from the borrowing rate. 200919356 If the bidder has no bid, but the bidder has the subscript (the deposit is required because the bid is not marked), the gold flow The settlement of the deposit amount of the bidder by the processing module 410 is based on the following two calculation formulas: (...) (16) . . . (17) Interest paid first: £ /-/3⁄4 Pay after interest: ί/.......... Where, C/ is the upper limit of bidding, and / / is the highest bid amount for which the bidder is not awarded. In the case of unsuccessful bidders, if the first period is no bidders, and the bidders have not subscripted 'Golden Flows, the group's deposits are 〇 〇 _ _ _ _ _ _ _ Two kinds of calculations·· "(18) ....(19) Interest paid first: After interest payment: C/........ Where, U is the upper limit of bidding; The deposit amount of the depositor calculated from the benchmark interest rate of the nth period. Figure 2 is a flow chart of the investment property insurance method of the present invention. While describing the process of Figure 2, please refer to the components of Figure 1. First, the insured person provides the basic information to the electronic voucher issuing institution 403 to apply for the electronic voucher (step sioi). The insurance company cooperates with the electronic credential issuing institution 4〇3 of the network authentication and reviews the basic information of the insured person. The insurance electronic voucher is given to the insured. 200919356 The insurer enters the investment property insurance system 402 with the electronic voucher. The investment property insurance module 405 obtains and reviews the basic information of the insured person corresponding to the electronic certificate from the electronic voucher issuing institution 403 (step S1〇2). The investment property insurance processing module 4〇5 stores the basic data of the insured in the database 411. The investment-type property insurance processing module 405 reviews one of the insured persons to be insured by the insured person's insurance to give the insured object one of the insured amount. The insurer is required to purchase an investment property insurance policy provided by the policy operation processing module 4〇5 according to the insured amount of the insured object (step S1G3). Its towel's investment lion silk insurance policy contains a combination of miscellaneous transactions. The investment property insurance processing module 4〇5 stores the insured object and the investment property insurance policy and the like in the database 411. Among them, if the guarantor is the owner of one of the insured objects, the guarantor is also the person to be touched by the above-mentioned various duties, and the right to claim the goods with the money; if the guarantor is not the subject of the mark The financial person of the property rides the insured who has the intention to produce the micro-insurance, and has the right to claim insurance claims. The credit assessment and enhancement module 4G6 reviews at least the credit information, collateral and investment property insurance policy provided by the insurer to give the insured one of the credit lines (step SK) 4W_ And the addition of the group will store the information on the credit, collateral, technical property insurance policy and credit limit in the database. When 'the credit rating and the enhanced module Liu review the insured object as the collateral 21 200919356, the insurer is the owner of the insured object, and the insurer of the property and the property insurance is the same person. . If the insured person is the owner of the insured object, the insurer is also the insured of the property insurance' and has the right to claim the claim; if the owner of the Weiren breast insurance is the subject of the object' All the ships are dedicated to her being touched, and have the right to claim insurance claims. Then, the credit evaluation and enhancement module 406 determines whether the credit limit of the insured person is greater than or equal to the total payment of the practice (step S1G5), and the side assessment and enhancement module 4〇6 stores the judgment result in the judgment result. Information 胄仙. If the credit limit of the guarantor is not greater than or equal to the total amount of the bidding transaction combination, the credit rating and enhancement module 4〇6 asks the insured person via the guarantor terminal 401 that the collateral is to be added. In order to determine whether the insured person is required to carry out the procedure for adding a collateral (step Si〇6). If the right guarantor does not add collateral, the guarantor must withdraw from the investment property insurance system 4〇2 (step S107). If the guarantor wants to add collateral, the guarantor will add additional collateral ( Step S108), and return to step sl5. If the credit limit of the insurer is greater than or equal to the total amount of the bidding transaction portfolio 5, the account will be processed by the gold stream processing, and the electronic insurance policy of the investment property insurance policy will be issued by the investment surface silk insurance processing module 405. Give the person to be insured (step si〇9). When the credit limit of the insurer is greater than or equal to the total amount of the bidding transaction portfolio, the sponsor will enter the bidding by entering the investment property insurance system 4〇2, and enter the bid amount. Investing (four) property insurance _ editing. The f gold bidding module 4〇7 is based on the input of the listening gold _ the above description of the step 3 of the self-domain Qingshang green to calculate the bidder's guarantee-average deposit interest rate and a borrowing rate, in the above-mentioned autonomy interest rate By means of the method - to the fourth order, the fund bidding module and according to the balance of the fund and the bidding interest rate of the bidder to determine the amount of the winning bid and the number of bidders (step s_. Scale 'in the meeting The Wei people of the county level may continue to participate in the bidding in the following meeting period until the bid is obtained. In the fifth step of the above-mentioned autonomous interest rate deposit method, the gold stream processing module shall calculate the standard according to the winning gold sugar. The total amount of the person's total amount of money and the amount of the repayment amount of the insured person's in the above-mentioned self-recorded interest rate method, in the sixth step, the gold flow processing module 410 is based on the average borrowing rate of the insured person who has obtained the bid. The winner of the bid is one of the depositor's deposit, or the highest bid amount of the unguarantored insurer, or the benchmark interest rate to settle the deposit amount of one of the unclaimed insured persons (step S111). The stream processing module and the group 410 are delivered with a total of gold for deposit. The amount of money owed by the personal sub-account of the insurer’s personal sub-account will be saved, and the amount of money owed by the personal virtual account of the person who has not listened to it will be used as a deposit, and the delivery must be awarded to the insured person at each meeting. The repayment amount paid in the period is used as repayment (step S112). The gold/纟3$ module 410 converts the amount of κ of the insured person into the quotation of the guarantor of the guarantor. Partially; and the amount of the repayment amount of the 200919356 standard is converted into a part of the total amount of the insured person who will be awarded the title of the insured person. Then 'provided by the investment operation processing module 408 Various investment targets are provided for the insurer to select the total amount of the individual sub-accounts to be invested, and the investment operation processing module 4〇8 announces one of the investments of the corresponding individual sub-accounts by the insurer terminal 401. The target, an investment profit and loss, and a net asset value, and store the data in a database 411 (step 113). Then, the claims sent by the claims processing processing module 4〇9 according to the insurance company claims operating system 4〇4 Information to judge investment property insurance Whether the order expires (step S114). If the investment property insurance policy expires, the claim processing processing module 4〇9 notifies the golden stream processing module 410 to settle and deliver the personal sub-account of the insured person. The total value of the net asset value of the investment or the deposit amount of the individual virtual credit card of the unguarantored person shall be awarded to the insured (step sm), wherein the present value of the unsettled Na's person is determined by The above-mentioned autonomous _ lending method is calculated according to step 5 of the self-finance method. If the investment-type financial insurance policy is not available, the lion's claim and compensation department will use the claim information transmitted by the insurance company's claims (4) to 4G4 to report whether the goods are insured. If the insured object is not in danger, the process proceeds to step SU4; if the insured object is in danger, the claim operation processing module 4〇9 judges according to the claim data transmitted by the insurance company claims operation system 404. Whether or not an insurance claim is paid in full compensation (step S117). Among them, when the insured object is out of danger, an insurance company receives the claim application and conducts the insurance affairs Wei Ding, (10) Jing is the research and research, and the results are sent to the insurance company's claims operation department and system 4〇4. Claims processing module 4〇9. If the insurance claims are not paid in full payment, the cash flow processing module will receive the partial insurance claims according to the contractual contents of the investment property insurance policy (step S118) and proceed to S114; If the financial payment is for the cash compensation, the cash flow processing module 41G will pay the insurance claim and the total amount of the equity of the personal sub-account that has been awarded to the insurer will be deducted. The balance of the total repayment amount (the total repayment amount is the repayment amount of the remaining period and then the interest rate of the investment property insurance policy), or the settlement and delivery are not guaranteed. The present value of the deposit amount of the personal virtual account of the person (the present value is converted according to the pre-agreed interest rate of the investment property insurance policy) is given to a beneficiary (step S119). Wherein, if the right to the insured has obtained the bid, the balance of the settlement of the claim insurance premium plus the total amount of the individual sub-account of the investment in the net asset value of the investment after deducting the total repayment amount, if If the claim insurance premium plus the balance is positive, the beneficiary is paid. If the claim insurance premium plus the balance is negative, the gold flow processing module 41 processes the collateral to offset the collateral. Before the investment property insurance policy is terminated, the insurer shall pay the premium on time according to the contractual contents of the investment property insurance policy. When the insurance claim is paid in full payment to the beneficiary or the investment property insurance policy expires, the contract of the investment property insurance policy is terminated (step S120). DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment is described hereinafter with reference to Figs. 1 and 2 to illustrate embodiments of the method and system for investment property insurance of the present invention. EXAMPLES In recent years, due to frequent news of natural disasters and man-made disasters, Li Jun believes that there is a need to insure product insurance for his homes. Therefore, an investment property insurance is insured against the fire risk of own homes. 25 200919356 First of all, Li Jun provides basic information to the electronic New Zealand issuing agency to apply for electronic evidence (steps). Then, Li Jun applies for the investment property insurance policy to the investment property insurance system 402 according to his electronic voucher by means of the electronic security terminal 4, 6 by the investment property insurance processing module, and the group 405 according to the electronic voucher from the electronic The credential issuing mechanism 4〇3 takes (step slQ2), and the f-commercial processing module 405 stores the basic data of Li Jun in the database 411. The investment property insurance processing module 4〇5 examines one of the insurance items (ie, residential buildings) that Li Jun wants to insure to give the insured object a guarantee amount. The insured person is required to purchase one of the policy provided by the policy operation processing module 4〇5 according to the insured amount of the insured object (step S1〇3). Among them, the investment property insurance policy includes - the bidding limit, the number of the levy period and the __ total meeting amount of the bidding. The investment property insurance processing module 405 stores the insured object and the investment property insurance policy and the like in the database 411. The conditions of the investment-type property insurance policy purchased by Li Jun are as follows
保單條件 保險種類：三年期投資型火災保險 要保人：李〇〇 被保險人：李〇〇 保險標的：：李〇〇住宅建築物 繳費期間：三年（年繳） 應繳保費：依據資金競標機制浮動繳費 保額：新台幣500萬元整（李〇〇住宅市價） 資金競標機制條件 26 200919356 參競標期間：三年，每月一次(37期) • 競標上限：新台幣一萬元整 參底標：隨郵政儲金一年期浮動利率調整（目前為2 48%) 參其他· 1.欲進行競標，需通過本公司之信用評量· 〇 2.要保人在本公司提供的投資商品中任意 3·若重，？，則可提前撥付平帳戶之個 帳戶餘額，出生由本公司認定之 在此條件下，信用評量及增強模組審核由李君所提供之徵信 資料、擔保品及投資型財產保險保單中至少一者，以賦予李君之一信 用額度(步驟S104)。側評量及增賴組·將徵信龍、擔保品、 投資型財產保險保單及信用額度等資料儲存於資料庫仙。 接著，由信用評量及增強模組4〇6判斷李君之信用額度是否大於 或等於競標交易組合之總會款(步驟撕），侧評量及增強模組4〇6 將判斷結果儲存於資料庫411。 由於李君之信用額度大於或等於競標交易組合之總會款，則由金 1；流處理模組收取李君所繳納之保費(例如年繳保費2, 500元），並 由投資型財產保險處理廳4〇5核發投資型財產保險保單之電子保 單給李君(步驟S109)。 當李君之信用額度大於或等於競標交易組合之總會款時而參與 競標(步驟S11G)，_未_航歸錄_ 4G7在各會期 所公佈之存款標金進行存款(步驟S111)，例如第—會期所公佈之存款 標金為650元’則李君需存入存款金物，现元（獅元⑽ 27 200919356 元）於個人虛擬帳戶中以作為交割之用(步驟S111)，而這筆第—會期 的存款金額將在李君得標或是三年之後成為1〇,〇〇〇元。 右李君在這二年中皆不競標，且麵資型財產保險保單到期時被 保險標的物未出險(步驟*S116)，則金流處理模組、结算與交割李 君各會期所存入於個人虛擬帳戶的存款金額將在三年後達到三十五 萬元（10, 000x35)之總額，屆時一次領取完畢(步驟S115)。在李君 領取該筆金額後，終止投資S財產保險保單之契約内容(步驟。 李君在持續繳費即將滿二年之時，認為市場投資情況甚好，因此 決定競標以取得總得標金以進行投資，提升報酬率。李君於第％會 期參與競標触《金額為！，_元娜（麵Slu)，經金流處理 模組侧結算之總得標金為347，咖元（1()，_〉〈23+9,驗⑻，並 父割此總得標金以存人李君之個人子帳戶來進行投資操作（步驟 S112)。 接著，投資作業處理模組408提供各種投資標的物供李君選擇投 資，投資的盈編李君自負’投資作減理模組4G8 _要保人終端 機401 A佈對應李君之個人子帳戶之總得標金所投資之一投資標 的、一投資損益及_資產淨值給李君，並將該等將儲存至資料庫 411(步驟 S113)。 而李君在接下來的12期各__ 1G，_元的還款金額，以償 28 200919356 還資金競標中所產生的貸款。假設未來總得標金在投資的丨年十（i2 期）’年化報酬率為8%，在投資型財產保險保單到期時(步驟sii4)， 經金流處賴組彻所結算之個人子帳戶之翻L標金經投資之餘額 達到365,040元，比純粹存款多了 5，_元(365，_元_36〇 〇〇〇 兀）’等於補貼了保費（步驟sll5)。在李君領取個人子帳戶之金額後， 終止投資型財產保險保單之契約内容(步驟S120)。 雖然本發明6參照雛實施概舉雕關舰如上，惟其應不 被視為係限繼者。賊本技藝者對其賴及實酬之内雜各種修 改、省略及變化，均不離開本發明之範圍。 29 200919356 【圖式簡單說明】 圖一係本發明之投資型財產保險系統之方塊圖；以及 圖二係本發明之投資型財產保險方法之流程圖。 【主要元件符號說明】 要保人終端機 401 投資型財產保險系統 402 電子憑證核發機構 403 保險公司理賠作業系統 404 投資型財產保險處理模組 405 信用評量及增強模組 406 資金競標模組 407 投資作業處理模組 408 理賠作業處理模組 409 金流處理模組 410 資料庫 411 30Policy Type of Insurance: Three-year investment-type fire insurance policy holder: Li Wei Insured: Li Wei Insurance Standard:: Li Wei residential building payment period: three years (annual payment) Premiums payable: basis Capital bidding mechanism Floating payment insurance amount: NT$5 million (Li Wei residential market price) Capital bidding mechanism conditions 26 200919356 Participation period: three years, once a month (37 issues) • Bidding limit: NT$10,000 The whole parameter of the whole reference: with the one-year floating rate adjustment of the postal deposit (currently 2 48%) Participate in other 1. To bid, you need to pass the company's credit rating · 〇 2. To protect the company Any of the investment products, if heavy,? , the account balance of the flat account can be paid in advance, and the credit is assessed by the company under this condition. The credit assessment and enhancement module review at least the credit information, collateral and investment property insurance policy provided by Li Jun. One is to give Li Jun a credit line (step S104). Side Assessment and Enrichment Group • Store information such as Zhengxinlong, collateral, investment property insurance policy and credit limit in the database. Then, the credit rating and enhancement module 4〇6 determines whether the credit limit of Li Jun is greater than or equal to the total payment of the bidding transaction combination (step tearing), and the side assessment and enhancement module 4〇6 stores the judgment result in the database. 411. Since Li Junzhi’s credit limit is greater than or equal to the total amount of the bidding transaction portfolio, the fund processing module will receive the premium paid by Li Jun (for example, the annual premium of 2,500 yuan), and the Investment Property Insurance Office 4〇5 Issue an electronic insurance policy for the investment property insurance policy to Li Jun (step S109). When Li Junzhi's credit limit is greater than or equal to the total amount of the bidding transaction portfolio, he participates in the bidding (step S11G), and _Un_Navigation _ 4G7 deposits the deposit deposits announced in each session (step S111), for example, - The deposit deposit amount announced during the session is 650 yuan', then Li Jun needs to deposit the deposit gold, and the current yuan (Lion Yuan (10) 27 200919356 yuan) is used for personal delivery in the virtual account (step S111), and this paragraph - The deposit amount of the session will be 1 〇, 〇〇〇元 after Li Jun won the bid or three years later. Right Li Jun does not bid for the past two years, and the subject-matter property insurance policy expires when the insured object is not in danger (step *S116), then the gold flow processing module, settlement and delivery Li Jun each meeting period The deposit amount deposited in the personal virtual account will reach a total of 350,000 yuan (10,000,000 x 35) after three years, and the collection will be completed once (step S115). After Li Jun received the amount, he terminated the contractual content of the investment in the S property insurance policy (steps. Li Jun believed that the market investment situation was very good when the continuous payment was about two years old, so he decided to bid to obtain the total prize money for the purpose. Investing and improving the rate of return. Li Jun participated in the bidding in the first part of the session. The amount is!, _ Yuan Na (face Slu), and the total amount of gold received by the gold flow processing module side is 347, and the coffee yuan (1 () , _> <23+9, test (8), and the parent cuts the total amount of gold to deposit the personal account of Li Jun's personal sub-account (step S112). Next, the investment operation processing module 408 provides various investment objects for Li Jun Select investment, invest in the profit of Li Jun, self-sufficient 'investment for the reduction module 4G8 _ to protect the terminal 401 A cloth corresponding to Li Jun's personal sub-account of the total amount of investment invested in the investment target, an investment profit and loss and _ net worth To Li Jun, and will be stored in the database 411 (step S113). And Li Jun in the next 12 issues each __ 1G, _ yuan of repayment amount, in order to pay 28 200919356 also funded in the bidding Loan. Assume that the future will be awarded The annualized return of the investment ten year (i2 period) is 8%. When the investment-type property insurance policy expires (step sii4), the individual sub-account of the fund is settled by the company. The balance of the investment reached 365,040 yuan, 5 yuan more than the pure deposit (365, _ yuan _36 〇〇〇〇兀) 'equal to the subsidy premium (step sll5). After Li Jun received the amount of personal sub-account The contractual content of the investment-type property insurance policy is terminated (step S120). Although the present invention 6 refers to the implementation of the stalking ship as above, but it should not be regarded as a successor. The thief-based artist relies on the reward. Various modifications, omissions and changes may be made without departing from the scope of the invention. 29 200919356 [Simplified illustration of the drawings] Figure 1 is a block diagram of the investment property insurance system of the present invention; and Figure 2 is an investment type of the present invention. Flow chart of property insurance method. [Main component symbol description] Insurance terminal 401 Investment property insurance system 402 Electronic voucher issuing agency 403 Insurance company claims operating system 404 Investment property insurance processing module 405 Credit evaluation And enhancement module 406 Fund bidding module 407 Investment operation processing module 408 Claims processing module 409 Gold stream processing module 410 Database 411 30