201009734 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之保險領域，特別有關於運用資 訊科技來建構一種互助式投資保險之系統與方法。 【先前技術】 網路時代人類資訊流通速度大幅上升，市場上的投資工具大行其 道，高收益、高報酬的投資產品比比皆是，使得傳統單純的保單對消 費者已不具吸引力，因為繳交保費猶如石沉大海，理賠事件未發生之 前，資金運用幾近凍結。因此儲蓄型保險、分紅型保險、甚至投資型 保險隨著咖-—成為保險市場的主流產品。然而，對保險公司而 言’這種新型態保險往往面臨潛在的利率風險。舉例來說，十年前， 國泰人壽推出一紙保本保息5%的儲蓄型保險，引起市場上的熱賣， 但近年來利率直線下滑，國泰人壽為了 5%的「保息」，已造成自身沉 重的負擔。對消費者而言，一旦構買某一保單，即受該保單條件限制， 無法隨市場環境調整解内容。經濟情勢好，購買儲蓄型保險猶如將 資金;東結在鮮上，無法享受市場上的高收益；經濟情勢不佳，講買 投資型保單更有如買到—顆不定時炸彈，隨時可能產生巨額齡損。 201009734 美國專利公告第US 5,655,085號之發明“Computer System for· Automated Comparing of Universal Life Insurance Policies Based on Selectable Criteria”提到以電腦系統增進投資型保單投資標的選擇效 率。惟此專利案雖增進保單持有者在選擇上的速度及方便性，但投資 必有風險，保單持有人仍需面對投資失利造成的虧損，此專利案無法 提供保單持有人一個資金的避風港，而在消費者判斷投資情勢大好 時’也無法提供消費者擴大信用以增加投資報酬的機會。 美國專利公告第US 6,049,772號之發明“System for Managing Hedged Investments for Life Insurance Companies” 揭示一套使保險公 司得以股票選擇權及其他避險商品對其投資部位進行避險的系統，此 系統並可設定上下限以鎖定風險。避險雖有效降低保險業投資的利率 風險’但仍無法完全排除，而且進行避險時勢必降低主商品的操作部 ® 4立’亦即獅到總細，另外投資衍生性商品牵涉到各國法令規範， 使實行上更為困難，因此這個專利案所採用的避險方法顯非保險業解 決利率風險及投資風險的最佳方式。 美國專利公開第20_165740號之發明‘Ίην論恤聊Ufc Insurance Product that Allows Consumer to Control and Replace Individual Policy Components”提供一種方法使持有定期死亡保單之 客戶得以選擇轉換成投資型保單，客戶並提供—種社的資產、權利 或負債給保險公司，保險公司即依這些提供品為依據，選擇該投資型 201009734 保單的投資標的。此專繼提供客戶連結自身資產的投資方式，但相 對地投資$Ε*圍反而受到偶限，且無法提供客戶擴大信用的功能。再者 此專利案在應用上僅止於已擁有大筆財產的客戶，一般消費者根本無 力達成鮮的要求，也Μ絲財鱗糾之客戶。 由上可h，無論在投資型保險商品的投資部位如何改良，皆無法 φ 冑效排除長期以來最困擾保險業的利率風險，此風險存在對客戶的保 障而言’就是-種保險公司的不穩定帶來的風險(即保險公司倒閉風 險）；而欲投保投資型保險的客戶往往無法在儲蓄及投資上兼顧，更 可能在保單投資上取得信用擴大的機會，對客戶而言亦是種潛在的 損失。因此’如何解決保險業的利率風險並提供客戶在投資上更為 靈活紅具，成為下—世代投f型保險商品的主要方向更是保險業 和鎌客戶所妓解決的問題。 、 201009734 【發明内容】 本發明之主要目的如下： L本發明打破「有顺才有_」_娜 承擔風崎卿，犧公响㈣⑽峨險，更要茂 對利率風險,風險是傳統壽險公司—直以來所面對的最綱 0 困境’也就是在低物代下，投趣率無法嶋險公司咐 諾的保單預瓣。目此，她紅助柄峨下，排除利 率風險，賺取手❹，改變傳統壽險業的經營鶴，徹底地解決壽 險業的利率風險。 2·擴大保戶的信用額度：本發明係—種金融電子商務，由保險公司 建構-互助式平台，使得要保人得以根據自身的資金需求募集資 金，進行投資，產生擴大信用的效果。 3.本發日月的目的在於讓保險公司只承擔保障部分的風險，就現金流 量的觀點而言’該f義未來現金流量為正值，因此，不但不會侵 健險公㈣淨值而且能逐年提高雜公獅齡價值㈣e綱 value) ° 4·反映市場的利率水準及市場資金水位的高低：本發明可以反映市場 的資金需求，當市場屬於多稱境或是f金需求活絡時，即利率上 201009734 升；反之，市場處於空頭或是資金需求趨緩時，利率下降。因此， 本發明可咖卩時地反映出市場的稱轉及資金需求。 5.具有轉、館蓄及投資功^本㈣改變傳翻鎌固定利率保 證收顧式，提供魏人可靖#及_資金的平台，亦提供當保 險事件發生時的固定保障金額，同時兼具保障、儲蓄及投資之功能。 φ 提供大眾式個人化的產品設計：本發明可以根據各個要保人的 需求、人格特質及風險偏好程度，提供一客製化的產品設計，滿足 各種屬性要保人的需求。 7.降低信瓶險··本發歡置—娜品作錢制，降低高風險高報 酬屬性之要保人喊約機率，以降低平台操作上的信用風險。 • 8·運用網際網路的特性達成去中心化的目的：本發明的目的在於運 肖網路轉性達成去中心化的目的，建構—互助式投資保險系 ❿ 、统’創造網路科技下直接金融的保險系統與方法。 9·克服資訊不對稱的問題：一般來說，保險公司所推出的各類保險 商品其架構較為複雜且透明度低’使得要保人往往在不甚瞭解該保 險產品下即投保’產生資訊不對稱的問題。然而，本發明克服傳統 資訊不對稱的問題，提供一透明度高且勒新的互助式投資保險之系 統與方法。 10·本發明為要保人設立個人專屬帳戶，管理要保人儲蓄部份的資金 201009734 累積，此部份具有信託資產的特性，若保險公司發生財務危機或 破產事件時，要保人儲蓄資產可以十足保全不受影響。 為實現以上目的，本發明提供一種互助式投資保險之方法，其應 用於一互助式投資保險系統，該方法包含以下步驟： 由一要保人以一保險電子憑證進入該互助式投資保險系統，該互 助式投資保險系統之一保單作業處理模組從一電子憑證核發機構獲 得並審核對應該保險電子憑證之該要保人之該基本資料，由該要保人 購買由該保單作祕理歡所提供之_互助式投資絲保單，該互助 式投資保險保單包含一競標交易組合； 由該互助式投資保險系統之一財務及擔保處理作業模組接收由 該要保人所輸人之—齡_，朗獻娜處_ _組審核該徵 信資料以賦予該要保人之一信用額度； 等待參與競標之該要保人之人數額滿，該人數與該競標交易組合 之一競標期數相同； 當該要保人之該信用額度達到該競標交易組合之一該會款時由 該要保人進入該互助式投資保險系統參與競標； 由該要保人輸入一投標金額於該互助式投資保險系統，該互助式 投資保險系統之一互助式平台競標模組根據所有輸入之該投標金額 以最高的投標金額作為一得標金額並決定得標者； 201009734 由該互助式投資紐纟統之—理歧結算交賴峰據該得標 金額結算-鱗標金、-存款金_—還款金額，交難總得標金以 存入得標之該要保人之-投轉鎌戶、6獻未得標之财保人之 -個人虛擬帳戶之該存款麵、及已得標之該要保人在每—會期所缴 納之該還款金額； 由該理賠及結算交割模組判斷該互助式投資保險保單是否到期； 若該互助歧資保醜單咖，齡該要保人娜由該理賠及結 算交割模組所結算之該投龍#帳戶經投淨值，或所結算 之該個人虛擬帳戶之該存款金款的現值； 右該互助式投資紐保單未聊，則由該理賠絲算交割模組判 斷一被保險人是否出險；以及 若該被保險人出險或解約，則一受益人或該要保人領取依該互助 式投資保險保單所規定之—碰理賠金或___金，及領取由該理賠 及結算交麵_結算之騎詩嫌戶經投資之產淨值再扣 除剩餘會__之-_款金嫩之侧，賴結算之職人虛擬 帳戶之該存款金款的現值。 而且，本發明提供一種互助式投資保險系統，包括： 一保單作業處理模組’用以根據一要保人之一保險電子憑證從一 電子憑證核發機構取得該要保人之一基本資料，並審核該基本資料， 201009734 提供-互喊娜倾料簡該魏人選_ f，該互助式投資保 險保單包含一競標交易組合； -財務及聽處轉業她，肋魏倾魏场輸入之一徵 信資料’審觀徵信資料简予該娜人之—細額度互助式平 台競標模組，用以由該申請人輸入一投標金額，根據所有輸入之該投 ❹ 標金以最高的投標金額作為—得標金額並決定得標者；以及 -舰及結敎賴組，肋輯該得標金麵算—總得標金、 -存款金額與-還款金額，交割該總得標金以存人-投資作業帳戶、 已存入-個人虛擬帳戶之該存款金額、及已得標之該要保人在每一會 期所繳納之該紐麵’嶋-祕險人在解卿妓否出險或解 約，若出險或解約，縣付—保險理賠金戰—解約金與該投資作業 帳戶經㈣之-資產淨值再扣除_會_軸之—賴款金額後 〇 之餘額或職人趣帳戶之棘款金狀_給__受益人或該要保 人，若未出險或解約，則給付該投資作業帳戶經投資之該資產淨值再 扣關齡賊舰狀觸紐金贼线賊職人虛擬帳戶 之該存款金額之現値給該要保人。 【實施方式】 為使本發日將频魏，訂文憎詳細财本發明之實施方 201009734 式，並列舉較佳之具體實施例以說明之。 圖一係本發明之互助式投資保險系統之方塊圖。在圖一中，互助 式投資保險系統302藉由網路、有線及無線通訊方式與要保人所使用 之一要保人終端機者301(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。下文中將描述互助式投資保險系 統302所包含之各模組。 .一保單作業處理模組306根據要保人藉由要保人終端機3〇1所輸 入之一保險電子憑證的資料，從互助式投資保險系統3〇2外部之通訊 連結之一電子憑證核發機構303取得要保人之一基本資料(如姓名、 性別、出生年月曰及身分證字號等），並審核該基本資料。保單作業 處理模組306提供一互助式投資保險保單以供要保人選擇購買，該互 助式投資保險保單包含一競標交易組合。該競標交易組合包含一總會 © 款、競標期限及競標期數。 其中，保單作業處理模組306將要保人之保險電子憑證傳送至負 責網路身份認證作業之電子憑證核發機構303，以進行要保人之身份 認證’保單作業處理模、组306在接收電子憑證核發機構3〇3的認證結 果後通知要保人，並將該認證資料存入互助式投資保險系統3〇2之一 資料庫316。 其甲，由一保險公司將保單說明及初步資料填寫表格傳送至要保 12 201009734 人，該要保人回傳其初步選取之保險種類、保障期間，保險公司依據 回傳資料計算保費後告知要保人且將完整之保險資料表袼傳送至要 保人’該要保人填寫完畢後將資料傳送絲險公司。 一財務及擔保處理作龍組3G7接收由要保人藉由要保人終端 機301所輸入之—徵信資料(如個人財務、工作狀況等），並審核該徵 信資料以賦予該要保人之一信用額度。 其中，財務及擔保處理作業模組3G7在要保人之信用額度低於該 要保人所選择之競標交易組合之總會款時，t要求要保人增提一擔保 时(如動產或不動動產等），使魏人之侧嫩大於或等賊標交易 組合之總會款。 一電子保單核發模組310在一理賠及結算交割模組315收取要保 人所缴納之保費後’會核發一電子保單給該要保人。 其中’電子保單之核保項目包含一要保書之内容填寫是否完整及 真實、要保人之雜、要紅紐鎌人之_、、被雜人之資格、 被保險人是否書面同意保險契約、要保人所參與之錄交肖組合之總 會款、被保險人之實際經濟需求與保額之間的比例、以及要保人之個 人條件、就業狀況、年收入是否能使其長期持續穩定地繳交保費。 其中，由保險公司將互助式投資保險電子之一保單資料傳送至電 子憑證核發機構303加密、數位簽章、存證後，由電子憑證核發機構 13 201009734 303將電子保單傳送至保險公司，該保險公司再將其傳送至要保人。 互助式平台競標模組312在等待參與競標的人數（該人數與競標 期數相同）額滿時，由要保人藉由要保人終端機3〇1輸入一投標金額 至互助式投資保險系統3G2，互助式平台競標模組312根據所有輸入 之投標金額以最高的投標金額作為一得標金額並決定得標者，互助式 平台競標模組312將開標結果經由要保人終端機301傳送至要保人。 互助式平台競標模組312將前述各項資料存入資料庫316。 一投資作業處理模組3H提供各種投資標的以供要保人選擇，投 資作業處理模組314經由要保人終端機3〇1公佈對應該投資作業帳戶 所投資之-投資標的、-投資損益及—資產淨值於要保^其中，投 資標的包含共金、有價證券及衍生性金融商品至少—者之金融商 品。 理賠及結算交割模組315根據要保人之得標金額來結算-總得 標金、-存款金額與-還款金額，交割該總得標金以存入得標之要保 人之投·戶、已存人未娜之要紅之—個人虛雛戶之該存 款金額、及已得標之要保人在每一會期所缴納之該還款金額，並判斷 被保險人在保單到麟是$出險或解約，若出險或解約，則給付一保 險理賠金額或-解約金與投資作業帳戶簡資之資產淨值再扣除剩 餘會期賴狀_總雜金概之__人趣❹之存款金額 201009734 現值、給又益人或要保人，若無出險或解約，則給付投資作業帳戶 、’i技資之Μ產雜再扣除麵會朗軸之縣款麵後之餘額或 個人虛擬帳戶之存款金額之現值給要保人。 /、中理賠及結算交賴組315在要保人已得標且被保險人出險 或解約時S賠及結算交割模組315給付保險理賠金或解約金，並結 φ 算與謂投㈣魏戶經投資之資產淨值再扣除_款金額後之餘 額，右保險理賠金或解約金加上該餘值，則給付受益人或要保 人右保險理賠金或解約金加上該餘額為負值，則理賠及結算交割模 組315處理擔保品以抵繳之。 f料庫316用以由保單作業處理模組306存取要保人之基本資 料、互助式投資保險鮮及錢敎纽合料料，由聰及擔保處 理作業模組307存取要保人之徵信資料及信肖額度等資料，由電子保 單核發模組310存取要保人之電子保單的資料，由互助式平台競標模 312存取投標金額、最高投標金額與得標金額等資料，由投資作業 處理模組314存取投資標的、投資損益及資產淨值等資料，由理賠及 結算交割模組315存取得標金額、存款金額、總得標金、還款金額、 還狄金額、投冑作H帳丨、個人虛擬❹、事件認定及保險理賠金 等資料。 對於得標之要保人而言’理賠及結算交割模組315依照利息給付 的先後來結算總得標金有以下兩種計算式： 15 201009734 利息先支付：4 =枳-，”)χ(#-«)+νχ(»-ι)............⑴ 利息後支付：4<=^/><(#-») + ^/><〇7-1)+2/,..............(2) i=j 其中， 4係為得標要保人於第《期得標之總得標金； t/係為一競標上限； iv係為一競標期數； «係為一現行期數，且n ; ® /„係為得標要保人於第《期之得標金額； 係為未得標要保人於第/期進行存款金額，且/<«。 上述前得標要保人需在往後期數進行還款，還款金額的計算方式 如下： 利息先支付：c/.........................................................(3) 利息後支付：t/ + /„......................................................(4) 其中， C/係為一競標上限； /„係為得標要保人於第《期得標金額。 理賠及結算交割模組315結算未得標要保人之存款金額係依照 利息先後支付有兩種計算方式： 利息先支付：ί/-/„......................................................(5) 利息後支付：t/..........................................................(6) 其中， t/係為一競標上限； /„係為根據第《期之得標要保人之得標金額。 16 201009734 當有數個要保人所投標之金額具有烟之最高投標金额時，由互 助式平台競標模組312以抽籤方式抽出最高投標金額之該等要保人 的其中一者為得標者。當無人投標時，由互助式平台競標模組M2以 域L蛛絲之鮮要保人的射—麵聽者。此時，為抽 籤方式之得標金額係互助式平台競標模組312所規定之基本標金。 β 目二縣發明之互助式投龍财法讀簡。储賴二之流 程的同時參考圖一之各組件加以說明。 首先，由要保人向電子憑證核發機構3〇3提供基本資料以申請保 險電子憑證（步驟sm )，保險公司與網路驗之電子憑證核發機構 303合作並審肖要保人的基本資料後，核發保險電子憑證給與該要保 人。 ® 接著，由要保人以保險電子憑證藉由要保人終職3〇ι進入互助 式投資保險系統302，保單作業處理模組3〇6根據該向保險電子憑證 從電子憑證核發機構303獲得並審核對應該保險電子憑證之要保人 的基本資料，保單作業處理模組3〇6所提供之各種互助式投資保險保 單乂供要保人選擇購買，其中該互助式投資保險保單包含一競標交 易組合（步驟S102)。 然後由要保人藉由要保人終端機3〇1輸入一徵信資料至互助式 17 201009734 投資保險系統302，而由財務及擔保處理作業模組3〇7接收該徵信資 料，並審_觀㈣魏予魏人之侧_(麵S1()3)。審核項 目包括要保人及被保險人的基本資料、財務狀況，保費金額等。其中， 當要保人之信用額度低於要保人所選擇之競標交易組合之總會款 時，財務及擔保處理作業模組307會要求要保人增提一擔保品，使要 保人之信用額度大於或等於競標交易组合之總會款。 接著，由電子保單核發模組310收取要保人所繳交之保費，由電 子保單核龍組31G核發電子料給要保人，並將該等雜儲存至資 料庫316(步驟S104)。 然後，當互助式平台競標模組312判斷人數額滿時，才允許所有 要保人倾聽(轉麗)，料參與人數舰敎級合之一競標 期數相同。 «要保人之信用額度到達競標交易組合之總會款時，要保人藉由 要保人終端機301進入互助式投資保險系統3〇2參與競標(步驟 S106) 〇 其次’由要保人藉由要保人終端機3〇1輸入—投標金額於互助式 投資保險系統302,互助式平台競標模組3丨2根據所有要保人輸入之 投標金額邮高缝標金_為得標之要保人之—龍金額並決定 得標者（步驟S1G7)。此時，麵會期未得標之要保人可在接下來的 18 201009734 會期中繼續參與競標，直到得標為止。 由理賠及結算交割模組315根據該得標金額結算得標之要保人之 一總得標金(如上述計算式(1)或(2))、未得標之要保人之一存款金額 (如上述計算式(5)或(6))、及已得標之要保人之一還款金額(如上述計 算式(3)或(4))。由理賠及結算交割模組315交割總得標金以存入得標 之要保人之投資作業帳戶以作為投資用途之資金、已存入未得標之要 保人之個人虛擬帳戶之存款金額、及已得標之要保人在每一會期所繳 納之還款金額（步驟S108)。理賠及結算交割模組315將總得標金、 存款金額、還款金額、個人子帳戶及個人虛擬帳戶等資料儲存於資料 庫 41h 、 由投資作業處理模組314提供各種投資標的以供要保人選擇，且 投資作業處理模組314經由要保人終端機3〇1公佈對應該投資作業帳 戶所投資之投資標的、投資損益及資產淨值給要保人，並將該等資 料儲存至資料庫316(步驟S109)。 接著，由理賠及結算交割模組315判斷互助式投資保險保單是 否到期(步驟S110)，若互助式投資保險保單到期，則由要保人領取由 理賠及結算交割模組315所結算之投資作業帳戶經投資之資產淨 值，或所結算之個人虛擬帳戶之存款金額的現值(步驟Slu)。其中， 未得標之要保人所結算之現值係由上述計算式(1)或(2)所計算之總得 201009734 標金。 若互助式投資保險保單未到期，則由理賠及結算交割模組315 判斷被保險人是否出險或解約(步驟SU2)e其中，由保險公司接收理 賠申請’進行保險事故認定以及判斷是否符合理賠標準。 若被保險人在保單到期前出險或解約，則受益人或要保人領取 依互助式織碰鮮所蚊之—紐理賠麵賴金，及領取由理 賠及結算交割模組315 所結算之投資作紐戶經投資之資產淨值再 扣除剩餘會狀-總紐麵會麟較之還款金額 再依互助式投資保險保單之事先約定利率所折算之現值)後之餘額 (當要保人已綱），《爾魏L之魏金額再依互 助式投資鎌鮮之事先蚊的_所轉械值(當要以未得標 時X步驟S113)。 ❹ 其中’若要保人已得標且被保險人出險或解約，則理賠及結算交 割模組315崎紐職金麵驗及轉與交赌資健帳戶經 投資之資產 ，若紐理賠金或解約金 加上該餘額為正值， 加上該餘額為負值， 之0 則、°H人或要保人，若微理賠金或解約金 則理賠及結算交割模組315處理擔保品以抵缴 若被保險人未辕鱗約，貞彳明麵S110。 20 201009734 田又益人領取保險理賠金與投資作業帳戶經投資之資產淨值再 扣總還款金額後的餘額或個人虛擬帳丨之存額的現值、或者要保 人領取解約金及域投資作錄戶峨資之資餅祕扣除總還款金 額後之餘_個人虛鎌彳之存款金躺離時，終止互助式投資保 險保單之所有契約内容(步驟Si 14)。 以下說明二個實施例，同時參考圖—及二，以說明本發明之互助 式投資保險的實施方式： 實施例一 李君大學時曾修習保險學相關課程，因此深切明瞭保險對於自己 及家人之4要性。大料業就紐，李君即積獅_符合自身財務 能力及保障需求的保單，然而’儘管李君深知購買保險之必要性，但 基於自己月薪只有32·元，李君仍不.免要針對保費精打細算一番； 純保障的保單雖然保費較便宜，但在身體健康、平安無事的狀況下， 保費缴出後就再也無法取回，總覺得所付出的成本似乎不小；若投保 具儲蓄功能的險種，則每期保費將是-筆不輕的負擔；若選擇投資型 保單’所連結之投«的其報叫不是波祕太大，就是為求保本保 息而太低。正當苦惱之際，看到-則關於保險新商品的新聞，内容大 致敍述，有-種名為「互助式投資保險保單」的新商品上市，它讓投 資型保單之投資儲蓄項目連結-互助式投資保險系統，以類似標會的 21 201009734 方式由要保人自行操作保單之投資利率，由於資金平台屬於直接金融 陡質’不論市制率轉或高或低，要保人可獲得之利率必定優於一 般銀行之存制率，如果魏人於整娜__未制_，只是 純粹當儲蓄者’則所獲得之資金報酬率，相較於保險公司之傳統投資 型保單將更為魏；若要紅欲參純標，擊絲轉平台賦予之 4用或提供擔保品以取得參加競標之權利，得標後，保險公司自動將 總得標金存人該魏人之投詩嫌戶，崎行金融商品投資，此狀 況下’要紅料賺取了娜叙齡·、並在賴_得其他金 融商品投資齡，其整社投f選騎於―紐資贿單。 李君於是先向電子憑證核發機構303申請保險電子憑證(步驟 S101) ’再w電子憑證藉由要保人終端機3G1向互助式投資保險系統 302購買了此-「互助式投資保險保單」(步驟sl〇2)，保障期間六年， 受益人為李君之父親，細為72(_元，李君選权轉項目為六 年期死亡險，鮮之投資項目舰結—健標期限為六年期，競標期 數為72期’總會款為72〇，_元的競標交易組合。李君採取月缴方 式’因此參與每會期標金為1〇，_元之互助式平台競標模組312，每 月繳交的保險及儲蓄費用由兩個部份組成，其__為固定之保險費，其 二為儲蓄金，着之麵_^君所參狀雜交驗合的標金狀況 而定’但必定小於或等於標金！〇，()⑻元。 22 201009734 接著，財務及擔保處理作業模組307要求李君提供其徵信資料以 進行審核，並授予李君一信用額度(步驟sl〇3h若李君之信用額度未 達到李君所選擇之競標交易組合的總會款，則財務及擔保處理作業模 組307會要求李君增提一擔保品，藉此提高李君的信用額度，以大於 或等於李君所選擇之競標交易組合的總會款。 ^ 李君繳交保費且經核保通過後，即收到電子保單核發模組31〇(或 保險公司)所核發之電子保單(步驟S104)。 互助式平台競標模組312等待參與競標的人數(其與競標期數相 同)額滿，李君使可進入互助式投資保險系統3〇2中參與競標(步驟 S105) 〇 當李君的信用額度達到李君所選擇之競標交易組合的總會款 時’李君藉由要保人終端機301進入互助式投資保險系統3〇2參與競 ® 標(步驟S106)。 李君在購買此投資保險後之第十九個月於互助式平台競標模組 312參與競標而以最高投襌金額得標(步驟sl〇7)，並由理賠及結算交 割模組315結算與交割總得標金額導入李君之投資作業帳戶（步驟 S108)。由投資作業處理模組314提供各種投資標的以供李君選擇， 以對李君之投資作業帳戶的金額進行保本保息之投資(步驟sl〇9)。之 後，李君於第二十個月至第五十四個會期間每月繳還1〇 〇〇〇元之還 23 201009734 款金額共350,000元與保險公司。 然而世事無常’第五十四個月底時，李君於下麵家途中遭酒醉 駕車者撞死(步驟S110、S112)，於是理賠及結算交割模組315結算保 險理賠金720，_元、投資作業帳戶之經投資的資產淨值為795,582 元，並扣除縣李君於第五十五则至第七忙则應_保險公司 之還款金額為180,000元再依互助式投資保險保單之事先約定利率所 折現之總還款金額為175,609元後，總共要支付受益人李君之父親的 金額為 1，340,973 元（720,000 + 795,582 - 175,609 = 1，339,973)(步驟 S113)。若李君在進行徵信階段有提供擔保品，則將李君當初所提供 之擔保品歸還李君家屬。之後，終止李君互助式投資保險保單的所有 契約内容(步驟S114)。 實施例二 ® 張君是李君生前直屬上3 ’當年李君告知其「互喊投資保險保 單」之特色後，在進行步驟S101至S104時，購買該保單之十年期死 亡險，保額為3,000,〇〇〇元，張君選取之保障項目為十年期死亡險， 保費採月繳方式，保單之投資項目則連結一個競標期限為十年期，競 標期數為120期’每月繳款，每期標金為2〇,〇〇〇元，總會款為2,4〇〇,〇〇〇 元的競標交易組合。 在進行步驟S105至S108時，張君繳完第六十一個月之保險費及. 24 201009734 存款金額時，其就業之公司宣佈解散，張君面臨中年失業，失業初期 自恃多年工作經驗，以為可以报快地找到新工作，因此仍勉力地繳交 保險費及存款金額至第六十六個月，但至此，張君終於領悟到其所擅 長之知識技能’在台灣已被歸屬為夕陽產業，必須進入就業輔導機構 以至少一年期間重新學習新技能後方能再就業，於是，張君決定將保 單中途解約，領取多年來所繳交之存款金額以供全家生活之需 ❹ S110、S112)。 截至第六十六個月結束時，經理賠及結算交割模組315結算，張 君於個人虛擬帳戶共累積為U〇9,460元之存款金額，保險公司將 U〇9,460元加計利息後’共支付金額為1 224 933元之存款金額的現 值給與張君(步驟S113)。之後，終止張君之互助式投資保險保單的所 有契約内容(步驟S114)。 ❹ 實施例三 方君是張君的大學社團好友，當年跟著張君投保「互助式投資保 險保單」’在進行步驟S101至S104時，方君選擇購買該保險保單之 十二年期死亡險，保額為4,000,000元，保險費採年繳方式，保單之 投資項目則連結一個競標期限為十二年期，競標期數為144期，每月 繳款’每期標金為2〇,〇〇〇元，總會款為2,880,000元的競標交易組合。 在進行步驟S105至S108時，由於方君為高科技研發人員無暇參 25 201009734 與資金競標事s，因此純_蓄，並林與互助騎台競標模組 312之競標❶ 方君工作穩m平順，因此每年之碰#及知之存款金額 皆按時缴交。至第-百四十三则時，方君缴交「互助式投資保險保 單」之最後-筆存款金額，第-百四十四個㈣保單到期(步驟 s_，經理賠及結算交割模組315結算與交割，方君順利領取個人 虛擬帳戶之到期的存款金額的現值為2細，_元(如上述計算式 ⑴X步驟srn)。讀’終姆之邮_鑛解的所有契約 内容(步驟S114)。 雖然本發明已參照較佳具體例及舉例性附圖敛述如上，惟其應不 被視為係限制性者。熟悉本技藝者對其形態及具體例之内容種修 改、省略及變化，均不離開本發明之範圍。 26 201009734 【圖式簡單說明】 圖一係本發明之互助式投資保險系統之方塊圖；以及 圖二係本發明之互助式投資保險方法之流程圖。 【主要元件符號說明】 要保人終端機 互助式投資保險系統 電子憑證核發機構 保單作業處理模組 財務及擔保處理作業模組 電子保單核發模組 互助式平台競標模組 投資作業處理模組 理賠及結算交割模組 資料庫 301 302 303 306 307 310 312 314 315 316 27201009734 IX. Description of the invention: [Technical field to which the invention pertains] The present invention relates to the field of insurance for financial e-commerce, and particularly relates to a system and method for constructing a mutual investment insurance using information technology. [Prior Art] The speed of human information circulation in the Internet era has risen sharply. The investment tools in the market are popular. High-yield and high-reward investment products abound, making traditional simple policies unattractive to consumers because of the payment of premiums. As if the sea was sinking, the use of funds was almost frozen before the claims settlement occurred. Therefore, savings-type insurance, dividend-paying insurance, and even investment-based insurance have become the mainstream products in the insurance market. However, for insurance companies, this new type of insurance often faces potential interest rate risks. For example, a decade ago, Cathay Life Insurance launched a paper-saving and guaranteed 5% savings-type insurance, which caused a hot sale in the market. However, interest rates have plummeted in recent years, and Cathay Life has caused itself to 5% "guarantee". heavy burden. For consumers, once a policy is purchased, it is subject to the policy conditions, and the content cannot be adjusted according to the market environment. The economic situation is good, buying savings-type insurance is like putting money; East is in the fresh, can't enjoy the high yield in the market; the economic situation is not good, and buying investment-type insurance policies is more like buying an unscheduled bomb, which may generate huge amounts of money at any time. Age loss. The "Computer System for Automated Comparing of Universal Life Insurance Policies Based on Selectable Criteria" of the U.S. Patent Publication No. 5,655,085, the disclosure of which is incorporated herein by reference. However, although the patent case enhances the speed and convenience of policyholders' choice, the investment must be risky, and the policy holder still needs to face the loss caused by the investment failure. This patent case cannot provide the policy holder with a fund. The safe haven, and when consumers judge the investment situation is good, 'can not provide consumers the opportunity to expand credit to increase investment returns. The "System for Managing Hedged Investments for Life Insurance Companies", US Patent No. 6,049,772, discloses a system that allows insurance companies to hedge their investment positions by stock options and other safe havens. Upper and lower limits to lock the risk. Although hedging effectively reduces the interest rate risk of insurance investment's, it can't be completely ruled out, and it is bound to reduce the operation department of the main commodity when it is safely circumvented, that is, the lion to the total fine, and the investment in derivative goods involves national laws and regulations. The standardization makes it more difficult to implement. Therefore, the hedging method adopted in this patent case is not the best way for the insurance industry to solve interest rate risk and investment risk. U.S. Patent Publication No. 20-165,740, entitled "Ufc Insurance Product that Allows Consumer to Control and Replace Individual Policy Components" provides a means for a customer holding a periodic death policy to choose to convert into an investment policy, the customer provides and provides - The assets, rights or liabilities of the society are given to the insurance company. The insurance company selects the investment target of the investment type 201009734 policy based on these offerings. This provides the investment method for the customer to link its own assets, but invests relatively $Ε * The encirclement is limited, and it is unable to provide customers with the function of expanding credit. In addition, this patent application only lasts for customers who already have large assets, and the average consumer is powerless to reach fresh requirements. Correcting the customer. From the above, no matter how the investment part of the investment-type insurance products is improved, it is impossible to eliminate the interest rate risk that has long plagued the insurance industry for a long time. This risk exists for the protection of customers. The risk of instability of the insurance company (ie the risk of the failure of the insurance company); Customers with investment-insurance insurance are often unable to balance savings and investment, and are more likely to gain credit expansion opportunities in policy investments, which is also a potential loss for customers. So how to solve the interest rate risk of the insurance industry and provide customers It is more flexible in investment, and becomes the main direction of the next-generation investment in f-type insurance products. It is also a problem solved by the insurance industry and customers. 201009734 [Summary of the Invention] The main objects of the present invention are as follows: Breaking "there are shun _ _" _ Na undertakes Feng Qiqing, Xi Gong Gong (4) (10) risk, but also wants to risk interest rate risk, the risk is the traditional life insurance company - the most important face of the dilemma - it is in the low Under the circumstance, the interest rate of the insurance company cannot be guaranteed by the insurance company. In this way, she helped her to eliminate the risk of interest rate, earn handcuffs, change the management of the traditional life insurance industry, and thoroughly address the interest rate risk of the life insurance industry. 2. Expanding the credit line of policyholders: The invention is a kind of financial e-commerce, which is constructed by an insurance company-mutually-assisted platform, so that the insurer can raise funds according to his own capital needs, invest and generate the effect of expanding credit. 3. The purpose of this issue is to let the insurance company only bear the risk of the protection part. In terms of cash flow, the future cash flow of the righteousness is positive, so it will not only invade the public (4) net value but also Increasing the value of the male lion age year by year (4) e-class value) ° 4· Reflecting the interest rate level of the market and the level of the market capital: The invention can reflect the market capital demand, when the market belongs to multiple or f gold demand, Interest rates rose on 201009734; on the contrary, when the market was short or the demand for funds slowed down, interest rates fell. Therefore, the present invention can reflect the market turnover and capital demand in a timely manner. 5. Have the transfer, library and investment skills (4) change the transfer rate, fixed interest rate guarantee, and provide the platform for Weiren Kejing # and _ funds, and also provide the fixed guarantee amount when the insurance event occurs, and With the functions of security, savings and investment. φ Provides mass-oriented personalized product design: The present invention can provide a customized product design according to the needs of each insured person, personality traits and risk preference, to meet the needs of various attributes to protect people. 7. Reduce the risk of letter bottle · · This is a good way to make money - to reduce the risk of high-risk and high-reporting. • 8·Using the characteristics of the Internet to achieve the purpose of decentralization: The purpose of the present invention is to achieve the purpose of decentralization of the network, and to build a mutual investment insurance system, and to create a network technology. Direct financial insurance systems and methods. 9. Overcoming the problem of information asymmetry: Generally speaking, the insurance products introduced by insurance companies have a complicated structure and low transparency, which makes it necessary for policyholders to insure themselves without knowing the insurance products. The problem. However, the present invention overcomes the problem of traditional information asymmetry and provides a system and method for high transparency and mutual investment insurance. 10. The present invention is for the insurer to set up a personal account and manage the accumulation of funds for the insurer's savings portion 201009734. This part has the characteristics of trust assets. If the insurance company has a financial crisis or bankruptcy, it is necessary to save the assets. Can be fully protected from impact. In order to achieve the above object, the present invention provides a mutual investment insurance insurance method, which is applied to a mutual aid investment insurance system, and the method comprises the following steps: Entering the mutual aid investment insurance system by an insurance company with an insurance electronic certificate, The policy operation processing module of the mutual aid investment insurance system obtains and reviews the basic information of the insured person corresponding to the insurance electronic certificate from an electronic certificate issuing institution, and the policy holder purchases the policy as a secret Provided by the _ mutual aid investment silk policy, the mutual aid investment insurance policy comprises a bidding transaction portfolio; and the financial and guarantee processing operation module of the mutual aid investment insurance system receives the age of the person to be insured by the insured person _, Lang Xian Na Department _ _ group to review the credit information to give the insured one of the credit lines; the number of people waiting for the bidder to be insured, the number of bidding period of the number and the bidding transaction combination The same; when the creditor of the insured person reaches the one of the bidding transaction portfolio, the insured enters the mutual investment insurance system to participate The bidder enters a bid amount in the mutual aid investment insurance system, and the mutual aid platform bidding module of the mutual aid investment insurance system uses the highest bid amount as the winning amount according to all the bid amounts input. And determine the winner; 201009734 by the mutual aid investment 纟 之 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - The person who wants to be insured is the one who wants to protect the person - the transfer of the account, the offer of the unsecured financial insurer - the deposit face of the personal virtual account, and the bidder who has obtained the standard payable at each meeting The amount of the repayment amount is determined by the claim settlement and settlement delivery module to determine whether the mutual aid investment insurance policy is due; if the mutual assistance is ugly, the age of the insurance should be guaranteed by the claimant and settlement delivery module. The settled value of the investment account of the investment account, or the current value of the deposit amount of the personal virtual account settled; if the right mutual investment investment policy is not talked, the claim settlement module determines Whether the insured is in danger; and if the insured is insured If the insurer fails or cancels the contract, the beneficiary or the insured person shall receive the claim or the ___ gold as specified in the mutual insurance investment insurance policy, and receive the riding poem from the settlement and settlement of the settlement. The net value of the investment by the suspect will be deducted from the remaining value of the remaining ____ jin jin side, the present value of the deposit amount of the virtual account of the settlement staff. Moreover, the present invention provides a mutual-investment insurance system, comprising: a policy-based operation processing module for obtaining a basic data of the insured person from an electronic voucher issuing institution according to an insurance electronic certificate of an insured person, and Review the basic information, 201009734 provides - mutual shouting, the general election, _ f, the mutual aid investment insurance policy includes a bidding transaction portfolio; - financial and listening to her business, rib Wei Wei Wei field input one of the credit information The review of the credit information is given to the bidder's bidding module, which is used to enter a bid amount by the applicant, based on the highest bid amount for all the input bids. The amount of the bid and determine the winner; and - the ship and the squad, the ribs of the stipulations of the stipends - the total amount of the gold, the amount of the deposit and the amount of the repayment, the delivery of the total amount of the deposit to deposit - investment operations The deposit amount of the account, the deposited-individual virtual account, and the amount of the credit that has been paid by the insured person at each session. '嶋- The secret insurer is in danger of dissolving or canceling the debt, if Risk or cancellation County payment-insurance claims warfare--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- The person or the person to be insured, if not released or canceled, pay the net value of the investment in the investment operation account and then deduct the deposit amount of the virtual account of the thief To protect people. [Embodiment] In order to make the present invention more frequent, the detailed description of the embodiments of the present invention is given by the detailed description of the preferred embodiments. Figure 1 is a block diagram of the mutual aid investment insurance system of the present invention. In FIG. 1, the mutual investment insurance system 302 communicates with the 301 (such as a computer, a mobile phone, a PDA, etc.) used by the guarantor by means of network, wired and wireless communication. An instant and secure message exchange with the insurer. The modules included in the mutual investment insurance system 302 will be described below. A policy operation processing module 306 issues an electronic voucher from an external communication link of the mutual investment insurance system 3〇2 according to the information of the insurance electronic voucher input by the insurer terminal 3〇1. The institution 303 obtains basic information (such as name, gender, date of birth, and identity card number) of the insured person and reviews the basic information. The policy-based job processing module 306 provides a mutual-investment insurance policy for the insured to choose to purchase. The mutual-investment insurance policy includes a bidding transaction portfolio. The bidding transaction portfolio includes a general meeting © section, bidding period and number of bidding periods. The policy operation processing module 306 transmits the insurance electronic voucher to be insured to the electronic voucher issuing authority 303 responsible for the network identity authentication operation to perform identity verification of the insured person's policy operation processing mode, and the group 306 receives the electronic voucher. After the certification result of the issuing organization 3〇3, the insured person is notified, and the certification data is stored in the database 316 of one of the mutual investment insurance systems. A, an insurance company will transfer the policy description and preliminary information filling form to the person who wants to protect 12 201009734. The insured will return the initial type of insurance and the period of protection. The insurance company will inform the insurance after calculating the premium based on the returned data. The policy holder will transfer the complete insurance information form to the insured person's information. A financial and guarantee processing team 3G7 receives the credit information (such as personal finance, work status, etc.) entered by the insured person through the insured terminal 301, and reviews the credit information to give the insurance One of the credit lines of the person. Wherein, the financial and guarantee processing operation module 3G7 requires the insurer to add a guarantee when the credit limit of the insurer is lower than the total amount of the bidding transaction combination selected by the insurer (such as movable property or Immovable movable property, etc., so that the side of the Wei people is greater than or equal to the total amount of the thief's trading combination. An electronic policy issuance module 310 issues an electronic policy to the insured after a claim and settlement delivery module 315 receives the premium to be paid by the insured. The 'insurance contract for the electronic policy includes the content of the insured book is complete and true, the person who wants to protect the person, the person who wants the red button, the qualification of the person to be miscellaneous, whether the insured agrees in writing the insurance contract The ratio between the total amount of the insured’s actual economic needs and the insured amount, and the personal conditions, employment status, and annual income of the insured person’s participation, Pay premiums steadily. Wherein, after the insurance company transmits the policy information of the mutual investment insurance electronic to the electronic voucher issuing authority 303 to encrypt, digitally sign and deposit the certificate, the electronic certificate issuing institution 13 201009734 303 transmits the electronic policy to the insurance company, the insurance The company then transmits it to the insured. When the number of people waiting for the bidding (the number is the same as the number of bidding periods) is full, the insured platform enters a bid amount to the mutual investment insurance system by the insurer terminal 3〇1. The 3G2, the mutual-assisted platform bidding module 312 determines the winning bid by the highest bid amount based on the bid amount of all the bids, and the mutual-assisted platform bidding module 312 transmits the bid opening result to the bidder terminal 301 to the bidder terminal 301. To protect people. The mutual aid platform bidding module 312 stores the foregoing data in the database 316. An investment operation processing module 3H provides various investment targets for the policyholder to select, and the investment operation processing module 314 announces the investment target, the investment target, and the investment profit and loss corresponding to the investment operation account via the insured terminal device 〇1. - The net asset value is to be protected, and the investment target includes financial products with at least a total of gold, securities and derivative financial products. The claim settlement and settlement delivery module 315 settles according to the winning amount of the insured person - the total amount of the deposit, the amount of the deposit and the amount of the repayment, and the delivery of the total amount of the bid to deposit the bidder and the household of the insured person. The deposit of the person is not red - the amount of the deposit of the individual vain, and the amount of the repayment that the insured has paid in each session, and judges the insured in the policy to Lin If it is out of danger or cancellation, if it is out of danger or cancellation, it will pay the amount of insurance claim or - the withdrawal of the fund and the net asset value of the investment operation account and the deduction of the remaining period _ _ total miscellaneous __ The amount of 201009734 present value, give benefits or to protect the person, if there is no risk or cancellation, then pay the investment operation account, 'i technology, the production of miscellaneous, then deduct the balance of the county's face after the face of the county or personal virtual The present value of the deposit amount of the account is given to the insured. /, the middle claims and settlement settlement group 315 when the insured person has obtained the bid and the insured is out of danger or canceled the contract, the S compensation and settlement delivery module 315 pays the insurance claim or the cancellation fee, and concludes the calculation and the investment (four) Wei If the net asset value of the investment is deducted from the balance of the _ amount, the right insurance claim or the cancellation fee plus the residual value, the beneficiary or the insured right insurance claim or the cancellation bond plus the balance is negative. The claims and settlement delivery module 315 processes the collateral to offset the collateral. The f-repository 316 is used for accessing the basic data of the insured person, the mutual-investment insurance insurance and the money-filling material by the policy operation processing module 306, and the security and processing operation module 307 accesses the insured person. For the information of the credit information and the letter credit, the electronic policy issuing module 310 accesses the electronic policy of the insured person, and the mutual aid platform bidding module 312 accesses the bid amount, the highest bid amount and the bid amount, and the like. The investment operation processing module 314 accesses the investment target, the investment profit and loss, and the net asset value, and the claim settlement and settlement delivery module 315 stores the target amount, the deposit amount, the total bid amount, the repayment amount, the repayment amount, and the investment amount. Make H account, personal virtual account, event identification and insurance claims. For the winners of the winning bidders, the 'claims and settlement delivery module 315 has the following two calculation formulas for the settlement of the total amount of interest according to the interest payment: 15 201009734 Interest paid first: 4 =枳-,")χ(# -«)+νχ(»-ι)............(1) Payment after interest: 4 <=^/><(#-») + ^/><〇7-1)+2/,..............(2) i=j Among them, 4 is the winner of the bidding Gold; t/ is the upper limit of bidding; iv is the number of bidding periods; « is the number of current periods, and n; ® / „ is the winning bid to be guaranteed in the first period of the period; The amount of the deposit is not required to be paid by the insurer in the first period, and / <«. The above-mentioned winning bidders need to repay the amount in the later period. The repayment amount is calculated as follows: Interest paid first: c/.................... ...............................(3) Payment after interest: t/ + /„. .................................................. ...(4) Among them, C/ is the upper limit of bidding; /„ is the winning bid to be guaranteed in the first period. The Claims Settlement and Settlement Delivery Module 315 settles the amount of deposits that have not been awarded to the insurer. There are two ways of calculating the interest in accordance with the interest: Interest paid first: ί/-/„............. ...................................(5) Payment after interest: t/ .................................................. ........(6) Where t/ is the upper limit of bidding; /„ is the winning amount of the bidder according to the “period of the period”. 16 201009734 When there are several bidders whose bid amount has the highest bid amount of the cigarette, one of the insured persons who draws the highest bid amount by the mutual platform bidding module 312 is the winner. When no one is bidding, the M2 is used by the mutual-assisted platform to bid for the module M2. At this time, the winning amount for the lottery method is the basic standard amount specified by the mutual aid platform bidding module 312. β Muxian County invented the mutual aid type of investment dragon money law reading simplified. The process of the storage system is explained with reference to the components of Figure 1. First, the insured person provides the basic information to the electronic voucher issuing authority 3〇3 to apply for the insurance electronic voucher (step sm), and the insurance company cooperates with the electronic certificate issuing authority 303 of the network verification and examines the basic information of the insured person. , issuing an insurance electronic voucher to the insured person. ® Next, the policy operation processing module 302 is obtained from the electronic voucher issuing institution 303 according to the insurance electronic voucher by the insured person using the insurance electronic voucher to enter the mutual investment insurance system 302 by the insured person. And reviewing the basic information of the insured person who is responsible for the insurance electronic certificate, the various mutual investment insurance policies provided by the policy operation processing module 3〇6 are provided for the insured to choose to purchase, wherein the mutual investment insurance policy includes a bidding Transaction combination (step S102). Then, the insured person enters a credit information into the mutual aid 17 201009734 investment insurance system 302 by the insured terminal 3〇1, and the financial and guarantee processing operation module 3〇7 receives the credit information, and the review _ View (four) Wei Wei Wei people's side _ (face S1 () 3). The audit items include the basic information, financial status, and premium amount of the insured and the insured. Wherein, when the credit limit of the insurer is lower than the total amount of the bidding transaction portfolio selected by the insurer, the financial and guarantee processing operation module 307 will require the insurer to add a collateral to enable the insurer to The credit limit is greater than or equal to the total amount of the bidding transaction portfolio. Then, the electronic policy issuing module 310 collects the premium paid by the insured, and the electronic policy is issued to the insured by the electronic insurance company Dragon Group 31G, and the impurities are stored in the data repository 316 (step S104). Then, when the mutual-assisted platform bidding module 312 judges that the amount of the person is full, all the insured persons are allowed to listen (transfer), and the bidding period of one of the participating numbers is the same. «When the credit limit of the insurer reaches the total amount of the bidding transaction portfolio, the insurer enters the mutual investment insurance system 3〇2 to participate in the bidding by the insurer terminal 301 (step S106). By entering the bidding terminal 3〇1—the bid amount is in the mutual aid investment insurance system 302, the mutual aid platform bidding module 3丨2 is based on the bid amount of all the insurers input. To protect the person - the amount of the dragon and determine the winner (step S1G7). At this time, the defender who has not won the bid will continue to participate in the bidding in the next 18 201009734 session until the bid is won. The claim settlement clearing module 315 settles the winning bid of one of the insured persons according to the winning amount (such as the above formula (1) or (2)), and one of the depositors who have not obtained the bid. (such as the above formula (5) or (6)), and the amount of repayment of one of the insured persons (such as the above formula (3) or (4)). The settlement and settlement delivery module 315 delivers the total amount of the deposit to deposit the amount of the deposit account of the insured's investment operation account for the investment, the deposit amount of the personal virtual account that has been deposited in the unclaimed insured person, And the repayment amount paid by the insurer at each meeting period (step S108). The claim settlement and settlement delivery module 315 stores the total amount of the deposit, the deposit amount, the repayment amount, the personal sub-account and the personal virtual account in the database 41h, and the investment operation processing module 314 provides various investment targets for the insured person. Alternatively, and the investment operation processing module 314 announces the investment target, investment profit and loss and net asset value invested in the investment operation account to the insured through the insured terminal machine 3.1, and stores the data in the database 316. (Step S109). Next, the claim and settlement delivery module 315 determines whether the mutual investment insurance policy expires (step S110), and if the mutual investment insurance policy expires, the insured person receives the settlement by the claim settlement and settlement delivery module 315. The net asset value of the investment operation account, or the present value of the deposit amount of the personal virtual account settled (step Slu). Among them, the present value settled by the unguaranteed claimant is the total 201009734 standard calculated by the above formula (1) or (2). If the mutual investment insurance policy has not expired, the claim settlement and settlement delivery module 315 determines whether the insured is in danger or cancels (step SU2) e, wherein the insurance company receives the claim application to determine the insurance accident and determine whether the claim is in compliance with the claim standard. If the insured accidentally or cancels the contract before the expiration of the policy, the beneficiary or the insured person shall receive the money from the mutual aid-type weaving of the mosquito, which is settled by the claim settlement and settlement delivery module 315. Investment as the net value of the investment of the new household and then deducting the remaining status - the total balance of the total amount of the repayment amount and the current value of the mutual aid investment insurance policy (the current value of the mutual aid investment insurance policy) Has been the program), "Wei L L Wei amount and then according to the mutual aid investment in the fresh _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ❹ where 'If the guarantor has obtained the bid and the insured has taken out the insurance or canceled the contract, then the claim settlement and settlement delivery module 315 崎 职 职 职 及 转 转 转 转 转 转 转 转 转 转 转 转 转 转 转The withdrawal amount plus the balance is positive, plus the balance is negative, 0, °H or the person to be insured, if the fine payment or the cancellation fee, the claim settlement and settlement delivery module 315 handles the collateral against If the insured has not paid the scale, he will face S110. 20 201009734 Tian Youyi people receive the insurance claim and the investment account, the net value of the investment after deducting the total repayment amount or the present value of the personal virtual account, or the insured person to receive the cancellation fee and domain investment After the amount of the total repayment amount is deducted from the account of the accountant, the amount of the contract of the mutual aid investment insurance policy is terminated (step Si 14). The following is a description of two embodiments, with reference to the drawings - and two, to illustrate the implementation of the mutual investment insurance of the present invention: In the first example, Li Jun University has studied insurance related courses, so it is clear that insurance for himself and his family 4 essential. The big industry is New Zealand, Li Jun is the lion _ policy that meets its financial ability and security needs, but 'Although Li Jun knows the necessity of purchasing insurance, but based on his monthly salary is only 32 yuan, Li Jun is still not. The premiums are carefully calculated. Although the premiums are cheaper, they are no longer recoverable after the premiums are paid in good health and in peace. It always feels that the cost is not small; For the type of insurance, the premium for each period will be a burden that is not light; if the investment policy of the investment policy is selected, the report is not too big, it is too low to protect the interest rate. At the time of distress, I saw - the news about insurance new products, the content is roughly described, there is a new type of product called "mutually-invested investment insurance policy", which allows investment-type insurance investment savings projects linked - mutual aid Investing in the insurance system, in the form of 21 201009734 similar to the standard, the investment rate of the policy is operated by the insured person. Since the capital platform is a direct financial steepness, regardless of whether the market rate is high or low, the interest rate that the insurer can obtain must be Better than the average bank's deposit rate, if the Wei people in the whole __ unprocessed _, just purely as a saver's then the return on capital, compared to the insurance company's traditional investment-type policy will be more Wei; If the red is required to participate in the standard, the wire will be transferred to the platform to provide 4 or provide collateral to obtain the right to participate in the bidding. After winning the bid, the insurance company will automatically deposit the total amount of the prize in the Weiren’s poetry. Investing in financial commodities, under this circumstance, 'I want to redeem Na’s age, and I’m going to invest in other financial products, and my whole society voted to ride on the New Zealand bribe. Li Jun then first applies for the insurance electronic voucher to the electronic voucher issuing institution 303 (step S101). 'The re-investment insurance policy is purchased from the insurer terminal insurance system 302 by the insurer terminal 3G1. Step sl〇2), the guarantee period is six years, the beneficiary is the father of Li Jun, the fine is 72 (_ yuan, Li Jun's election to the project is a six-year death insurance, the fresh investment project ship knot - the health standard period is six years, bidding The number of periods is 72, 'the total amount is 72〇, _ yuan is the bidding transaction combination. Li Jun adopts the monthly payment method' so the participation in each session is 1〇, _ yuan mutual aid platform bidding module 312, each The insurance and savings fees paid in monthly are composed of two parts, the __ is the fixed insurance premium, and the second is the savings, which depends on the status of the _^君Must be less than or equal to the standard gold! 〇, () (8) yuan. 22 201009734 Next, the financial and guarantee processing operation module 307 requires Li Jun to provide its credit information for review, and awarded Li Junyi credit limit (step sl1h If Li Jun’s credit limit does not meet the choice of Li Jun For the general payment of the bidding transaction portfolio, the financial and guarantee processing operation module 307 will ask Li Junzeng to mention a collateral to increase Li Jun’s credit limit to a total amount greater than or equal to the bidding transaction portfolio selected by Li Jun. ^ Li Jun pays the premium and receives the electronic policy issued by the electronic policy issuing module 31〇 (or insurance company) after the approval of the insurance (step S104). The mutual aid platform bidding module 312 waits for the bidding The number of people (which is the same as the number of bidding periods) is full, Li Jun makes it possible to enter the mutual aid investment insurance system 3〇2 to participate in the bidding (step S105). When Li Jun’s credit limit reaches the total of the bidding transaction portfolio selected by Li Jun At the time of the payment, Li Jun entered the competition insurance system by entering the mutual insurance investment system 3〇2 (step S106). Li Jun was in the mutual aid platform after purchasing the investment insurance for the 19th month. The bidding module 312 participates in the bidding and wins the bid with the highest bid amount (step sl7), and the settlement and settlement delivery module 315 settles and delivers the total bid amount into the investment account of Li Jun (step S108). The management module 314 provides various investment targets for Li Jun to choose to protect the amount of the investment account of Li Jun's investment and protect interest (steps sl9). After that, Li Jun is from the 20th to the 54th. During the session, I will pay back 1 yuan per month. 23 201009734 A total of 350,000 yuan and insurance companies. However, at the end of the fifty-fourth month, Li Jun was hit by drunken drivers on the way home. After the death (steps S110, S112), the claim settlement and settlement delivery module 315 settles the insurance claim 720, the investment asset account has an investment net asset value of 795,582 yuan, and deducts the county Li Jun from the fifty-fifth to The seventh busy is _ the insurance company's repayment amount is 180,000 yuan and then the total repayment amount discounted according to the pre-agreed interest rate of the mutual aid investment insurance policy is 175,609 yuan, the total amount of the beneficiary of the beneficiary Li Junzhi is 1 , 340,973 yuan (720,000 + 795, 582 - 175, 609 = 1, 339, 973) (step S113). If Li Jun provided collateral during the crediting stage, he would return the collateral provided by Li Jun to the family of Li Jun. Thereafter, all the contract contents of the Li Jun mutual investment insurance policy are terminated (step S114). Example 2: Zhang Jun is directly attached to Li Jun's life. 3' When Li Jun informed him of the characteristics of “mutually calling for investment insurance policy”, he purchased the ten-year death insurance for the policy when he performed steps S101 to S104. For 3,000, Qianyuan, Zhang Jun selected the protection project for ten-year death insurance, and the premium for monthly payment. The policy investment project linked a bidding period to ten years, and the number of bidding periods was 120 periods. For the payment, the standard amount for each period is 2〇, 〇〇〇元, and the total amount is 2,4〇〇, the bidding transaction combination of Qianyuan. During the steps S105 to S108, when Zhang Jun paid the insurance premium for the 61st month and the deposit amount of 24 201009734, the company that was employed announced the dissolution. Zhang Jun was facing middle-age unemployment and had many years of work experience in the early days of unemployment. I thought that I could find a new job quickly, so I still tried my best to pay the insurance premium and the deposit amount until the 66th month. But at this point, Zhang Jun finally realized that his knowledge and skills are good at Taiwan. The industry must enter the employment counseling institution to re-learn new skills for at least one year before re-employment. Therefore, Zhang Jun decided to cancel the policy midway and receive the deposit amount paid over the years for the needs of the whole family. S110, S112 ). As of the end of the sixty-sixth month, the manager's compensation and settlement delivery module 315 settled, Zhang Jun accumulated a total of U〇9,460 deposit amount in the personal virtual account, and the insurance company will pay the U〇9,460 plus interest. The present value of the deposit amount of the amount of 1,224,933 yuan is given to Zhang Jun (step S113). Thereafter, all the contract contents of Zhang Jun's mutual aid investment insurance policy are terminated (step S114).实施 Example Sanfang Jun is a friend of Zhang Jun’s university community. In the same year, Zhang Jun was insured with the “mutually-invested insurance policy”. During the steps S101 to S104, Fang Jun chose to purchase the 12-year death insurance for the insurance policy. The amount is 4,000,000 yuan, the insurance premium is paid by the annual payment method, and the investment project of the policy is linked to a bidding period of 12 years, the number of bidding periods is 144, and the monthly payment is 2 baht per period. Yuan, the total amount of the bidding transaction is 2,880,000 yuan. During the steps S105 to S108, since Fang Jun is a high-tech R&D personnel, there is no 暇 25 25 201009734 and the fund bidding s, so the pure _ _, and the forest and mutual aid riding platform bidding module 312 bidding ❶ Fang Jun work stable m smooth Therefore, the annual deposits and the deposit amount of the knowledge are paid on time. By the end of the 143rd period, Fang Jun paid the last-pen deposit amount of the "mutually-invested insurance policy", and the -fourty-four (four) policy expired (step s_, manager compensation and settlement delivery module) 315 settlement and delivery, the current value of the deposit amount due by Fang Jun successfully receiving the personal virtual account is 2 fine, _ yuan (such as the above calculation formula (1) X step srn). Read all the contract contents of the 'end of the post _ mine solution The present invention has been described above with reference to the preferred embodiments and the accompanying drawings, and should not be considered as a limitation. Those skilled in the art will modify and omit the contents and specific examples thereof. The present invention does not depart from the scope of the present invention. 26 201009734 [Brief Description of the Drawings] Figure 1 is a block diagram of the mutual aid investment insurance system of the present invention; and Figure 2 is a flow chart of the mutual investment insurance method of the present invention. [Main component symbol description] To protect the terminal terminal mutual aid investment insurance system electronic voucher issuing agency policy operation processing module financial and guarantee processing operation module electronic policy issuing module mutual aid platform bidding module Owned claims job processing module and the clearing and settlement database module 301 302,303,306,307,310 31231431531627