201011664 九、發明說明： 【發明所屬之技術領域】 本發明係有關於一種確保一履約保證保險契約履行之 方法。 5 【先前技術】 目前消費者進行交易時，常會有交易信心不^、保障不 公夠的_ °舉例來說’某曱消費者向某乙旅行社購買出國旅 遊打程’然而很;f幸的，某f在國雜遊期間，某乙旅行社 1〇帛性倒閉’「旅行業管理規則」規定的旅行業履約保證保險 給'寸無法完全賠償某甲之損害。因此，即使某乙旅行社投保 旅饤業履約保證保險’某？消費者仍無法獲得全額理賠。 【發明内容】 15 行之提供一種確保一履約保證保峨 賠，而不限於觀光局規定的旅行社履約保證金額度。_ 依本發m與其他之目的謂 ::一細-履約保證保險契約履行之方法Π法而 務么司提供一服務予一消費者， 其中，一 訂-履約保證保險契約以提供；/以-保險公司 :公司向一銀行開立一帳戶，根c費者，該 虛擬帳號傾服務公司，該方法包=帳戶提供複數 6 下列步驟：輪入該消 20 201011664 務公司的—電腦；該服務公司指定一虛 =帳喊予該料者；該消費者將—款項匯人該虛擬帳號.該 ^通知該服務公司及聰險公_肖費紅匯 = 險電腦Γ網際網路將該基本資料“ ^得送至該紐公司之—f腦；該保險公司 :本資料及該虛擬帳號，並將其與該履約保證保險契約二 而確保該履約保證保險契約履行；以 、二 約保證保險契約確保履行之—認證提解該^者U將該履 10 15 20 【實施方式】 為更進-步瞭解本發明上述之目的、功能、特點和優 •、’下文將配a所附圖式進—步說明本發明之較佳實施例。 圖-顯示實施本發明之祕示意圖，該系統包含一服務 =司10(例如旅行社）’其具有一電腦1〇〇，該服務公司⑺為 订業公會1(例如旅行公會全國聯合會)之會員公司；一消 者20; -保險公司3G’其具有-電腦·;及—銀行4〇。 ，、中，該服務公司10提供一服務(例如旅遊行程）予一消費者 該服務a司10與-保險公司3〇簽訂一履約保證保險契 鉬，以提供一履約保證予該消費者2〇，該服務公司1〇於一 仃40開立一帳戶，該銀行4〇根據該帳戶提供複數個虛擬 號予該服務公司10。當消費者2〇欲購買服務公司1〇之服 矛時’將其基本資料輸人至該服務公司1〇的一電腦1〇〇。而 讀服務公司10則將一虛擬帳號提供予該消費者2〇。該消費 7 201011664 者20可透過臨櫃轉帳、 轉帳、超商繳款、網路t = Y 轉帳、語音 將購買該㈣之款㉟it轉帳或網路銀行偷等方式， 後通知續服務公5~1 in该虛擬帳號❶該銀行40收到款項 完成。i服務公i 1GH保險公司3G，該㈣者2G已匯款 送至該保險公司30之=== 基本資料及虛擬帳號傳 -認證與該消費者2〇。 彳’該保險公司3〇提供 Ο 10 15 20 法二程履約保證保險契約履行之方 20,該服務公司1G與：二:提供—服務予—消費者 約以提供—交易、十簽訂—履約保證保險契 行40開立-帳戶，^為費者20 ’該服務公司10向一銀 號予該服務公司10。\=〇根據該帳戶提供複數個虛擬帳 ^ 1〇 證保險契約」是在服務八某乙旅行社）。「履約保 消費者可以由保險= 無法履行服務提供的情況下， 旅行業者於保二二:：=賠。以旅行糊^ 題而無法履行料_ 貞後，因財務問 保險公司依保險：團員全部或部份團費遭受損失， 的是，本發明不==被保:人負賠償之責。應注意 之行業。為實現本發明，/、而亦可實現於其他類似性質 帳號供轉帳使用二^服務公司10必須向可提供虛擬 客f或每一筆交易個別編訂-個虛 201011664 擬之繳款帳號，供客戶以臨櫃轉帳、跨行匯款、現金、ΑΤΜ 轉帳、、語音轉帳、超商㈣、轉ΑΤΜ轉帳及網路銀行轉 ，方^款所用。每—個虛擬帳號皆對應其真實之收款帳 戶，服敕客戶繳款，款項將直接轉人服務公51 1G之收款專 帳明細1G可透過上啦詢及下载即時之虛擬帳號入 號，服務^於虛擬帳號組成之—部分為客戶代號或交易編 Ο 10 15 戎六县司由虛擬帳號入帳明細即可清楚知道繳款之客戶 5父易内容，下載檔案可用於内部系統自動核鎖。 司1〇於^顿S201 ’輸入該消費者20之基本資料至該服務公 電腦⑽。於一實施例，該基本資料包含姓名、身 :=、出i年月曰。於另一實施例’該基本資料更包含 服務門夺、服務費用、服務期間。 ==行至步驟S2G2，該服務公司1G指定—虛擬帳號 于該4費者2 0。該服務公司丨〇可人工指定或由電腦丨〇 =指定一虛擬帳號予該消費者20，以供該消費者2〇進行付 接著進行至步驟S203，該消費者20將一款項匯入誃 =!^:消f者20可透過_轉帳、跨行匯款、‘、 行轉帳等方::款轉帳'超商缴款、網路勒轉帳及網路銀 接著進行至步驟S204，該銀行40通知該服務公司ι〇 公司％該消費者20已匯人完成。如先前對虛擬帳 ·，、3 ，一旦消費者20繳款，款項將直接轉入服務公司 20 201011664 G可透過上網查減下載即時之 或交易婦，η!、、Γ 擬帳號組成之—部分為客戶代號 5 Ο 道缴款之宏^務公司1G由虛擬帳號人帳明細即可清楚知 ===容’此為服務公司1〇主動查构的實 虛擬帳號t 旦銀行4G發_f者2G透過該 該保險=成H銀行4G即主動通知該服務公司⑺及 I:或：司30該消費者20已匯入完成，通知方式可為透過 切^、s腦自動化之電話通知、簡訊通知、電子郵件通知、 或即時通訊軟體通知等。 们接著進行至步驟S205,該服務公司10之該電腦100透 3:、祠網路將該基本資料及該虛擬帳號傳送至該保險公司 電％ 300。該基本資料包含保險契約中之要保人（即 服務公司10)、被保險人(即消費者20)之資料。於一實施例 中’該基本資料包含料者2〇之姓名、身分證字號、出生 年月日。於另一實施例，該基本資料更包含服務内容、服務 費用、服務期間。 接著進行至步驟S206,該保險公司30之該電腦300儲 存該基本資料及該虛擬帳號，並將其與該履約保證保險契約 相關聯而確保該履約保證保險契約履行。具體而言，該保險 公司30之該電腦300於步驟S205接收該服務公司1〇傳送 之該基本資料及該虛擬帳號後，便將該基本資料及該虛擬帳 號儲存於一資料庫中。該資料庫即透過該電腦3〇〇而與該履 約保證保險契約相關聯，從而確保該履約保證保險契約履 行。 10 20 201011664 進仃至步驟S207,該保險公司30將該履約保噔# :=履:之-認證提供予該消費者-於-實I;201011664 IX. Description of the invention: [Technical field to which the invention pertains] The present invention relates to a method of ensuring performance of a performance guarantee insurance contract. 5 [Prior Art] At present, when consumers trade, there is often a lack of confidence in trading, and the guarantee is unfair. For example, 'a certain consumer buys a travel tour to a B travel agency'. However, it is very good; During the period of a national miscellaneous tour, a travel agency of the B-Travel Agency’s “Travel Industry Management Rules” stipulated that the travel industry’s performance guarantee insurance could not fully compensate for the damage. Therefore, even if a B travel agency insured the travel industry performance guarantee insurance ‘some? Consumers still can't get full claims. [Description of the Invention] The 15th line provides a guarantee for a performance guarantee, and is not limited to the travel agency's performance guarantee amount as stipulated by the Tourism Bureau. _ In accordance with the purpose of this and other purposes:: a fine - performance guarantee insurance contract performance method Π 而 么 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供 提供- Insurance company: The company opens an account with a bank, the root account fee, the virtual account is a service company, the method package = account provides a plurality of steps. The following steps: Turn in the computer of the company 2010; The company designates a virtual account to call the material; the consumer will transfer the money to the virtual account number. The ^ informs the service company and the smart insurance company _ Xiao Fei Hong Hui = Insurance Computer Γ Internet This basic information " ^ has to be sent to the New Zealand company - f brain; the insurance company: this information and the virtual account number, and the performance bond insurance contract two to ensure that the performance bond insurance contract is fulfilled; Ensuring the fulfillment - the certification clarifies that the person U will perform the work 10 15 20 [Embodiment] To further understand the above-mentioned objects, functions, features and advantages of the present invention, the following will be accompanied by a drawing - Steps to illustrate the preferred embodiment of the present invention Figure - shows a schematic diagram of the implementation of the present invention, the system comprising a service = Division 10 (for example, a travel agency) 'which has a computer 1 〇〇, the service company (7) is a trade association 1 (such as the National Federation of Travel Associations) Member company; one consumer 20; - insurance company 3G' has - computer ·; and - bank 4 〇.,, the service company 10 provides a service (such as travel itinerary) to a consumer 10 and the insurance company 3〇 sign a performance guarantee insurance deed to provide a performance guarantee to the consumer 2〇, the service company 1 open an account at 40, the bank 4 provides multiple copies according to the account A virtual number is given to the service company 10. When the consumer 2 wants to purchase the service company's service spear, 'the basic information is input to one computer of the service company, and the service company 10 A virtual account number is provided to the consumer. The consumer 7 201011664 20 can be transferred through the counter, transfer, overpaid, network t = Y transfer, voice will purchase the (4) 35it transfer or network Bank stealing, etc. 5~1 in the virtual account, the bank 40 receives the payment. i service public i 1GH insurance company 3G, the (4) 2G has sent the money to the insurance company 30 === basic data and virtual account pass-certification and The consumer 2〇. 彳 'The insurance company 3 〇 provide Ο 10 15 20 law two-way performance guarantee insurance contract performance party 20, the service company 1G and: two: provide - service to - consumer about to provide - transaction , 10 signing - performance guarantee insurance deed 40 open - account, ^ is the fee 20 'The service company 10 to a silver number to the service company 10. \ = 提供 provide a plurality of virtual accounts according to the account ^ 1 certificate The insurance contract is in service to the B-B travel agency). "Performance insurance can be covered by insurance = unable to fulfill the service provision, the travel operator is insured by 22::=. In case of travel paste, it is impossible to fulfill the material _ 贞, because the financial insurance company is insured: all members Or some of the group fees suffer losses, the invention is not == insured: the person is responsible for compensation. Industry should pay attention to. In order to achieve the present invention, /, can also be realized in other similar nature accounts for transfer use two ^Service company 10 must separately provide a virtual customer account or each transaction - a virtual 201011664 proposed payment account for customers to transfer funds, cross-bank remittance, cash, ΑΤΜ transfer, voice transfer, super business (four), Transfer and online banking transfer, used by each party. Each virtual account corresponds to its real collection account, and the customer will pay the payment. The payment will be transferred directly to the service provider 51 1G collection account details 1G You can use the inquiry and download the instant virtual account number, the service ^ is composed of the virtual account number - part of the customer code or transaction compilation 10 15 戎6 county division from the virtual account account details can clearly know the payment The customer 5 parent content, the download file can be used for the internal system automatic nuclear lock. The division 1 〇 ^ S S201 'Enter the basic information of the consumer 20 to the service public computer (10). In one embodiment, the basic information includes the name, In another embodiment, the basic data further includes a service gate, a service fee, and a service period. == Go to step S2G2, the service company 1G specifies that the virtual account is at the 4th fee. The service company can manually assign or specify a virtual account number to the consumer 20 for the consumer to pay and then proceed to step S203, the consumer 20 will make a payment. Import 誃=!^: 消 者 20 can pass _ transfer, cross-bank remittance, ', transfer account, etc.:: money transfer 'super-payment, network transfer and network silver then proceeds to step S204, The bank 40 informs the service company that the consumer 20% of the consumer 20 has completed the transfer. If the previous account for the virtual account,, 3, once the consumer 20 pays, the money will be directly transferred to the service company 20 201011664 G can be checked through the Internet Less download instant or trading women, η!, Γ The account is composed of part of the customer code 5 Ο 之 之 ^ ^ ^ ^ ^ ^ ^ ^ ^ 虚拟 虚拟 虚拟 虚拟 虚拟 虚拟 虚拟 虚拟 虚拟 虚拟 虚拟 虚拟 虚拟 虚拟 虚拟 虚拟 虚拟 虚拟 虚拟 虚拟 ' ' ' ' ' ' ' ' 服务 服务 服务 服务 服务 服务 服务 服务 服务4G _f 2G through the insurance = Cheng H Bank 4G that actively informs the service company (7) and I: or: Division 30 the consumer 20 has been completed, the notification method can be through the cutting, s brain automation Telephone notification, SMS notification, email notification, or instant messaging software notification, etc. Then proceed to step S205, the computer 100 of the service company 10 transmits 3:, the network transmits the basic data and the virtual account to the Insurance company electricity% 300. The basic information includes information about the insured (ie, the service company 10) and the insured (ie, the consumer 20) in the insurance contract. In an embodiment, the basic information includes the name of the person 2, the identity card number, and the date of birth. In another embodiment, the basic information further includes service content, service fees, and service periods. Next, proceeding to step S206, the computer 300 of the insurance company 30 stores the basic information and the virtual account number, and associates it with the performance guarantee insurance contract to ensure the fulfillment of the performance guarantee insurance contract. Specifically, the computer 300 of the insurance company 30 stores the basic data and the virtual account number transmitted by the service company in step S205, and then stores the basic data and the virtual account in a database. The database is linked to the performance guarantee insurance contract through the computer to ensure that the performance bond insurance contract is fulfilled. 10 20 201011664 Advance to step S207, the insurance company 30 provides the performance guarantee #:=履: - the certification to the consumer - Yu - real I;
款、篇轉帳H收據f如臨㈣帳、臨概匯款、超商繳 〜或一電子收據(例如語音轉帳、網路ATM 購買服務1仃轉帳時）。該認證即證明該消f者Μ此次的 理賠時，“ $得完整理賠的保障。—旦消費者20需要 償純消，費者2司3G即可按照該認證上之金額，全額賠 Ο 10 15 Ο 後，m款《人該虛擬帳號 者2〇«日㈣λtmm，=款項於消费 奸，—偷， 口鮮圈而匯入該服務公司10之該帳戶。 多；:份二，公司10惡性倒閉的風險，進而對消費者2。 司或：代中的保險公司3。包含-般傳統的保險公 1 用㈣購f旅游许赵 程= 網頁上之某丙旅遊行 約。某丁專貢將#〜與某行社簽訂旅収型化契 Μ曰、旅勒名、身分證字號、出生 社之某戊電腦軟體。經==遊,輸入至某乙旅行 、生程式運舁後’某戊電腦軟體便產生 20 201011664 Ο 10 15Payment, transfer H receipts such as temporary (four) account, temporary remittance, super-commercial payment ~ or an electronic receipt (such as voice transfer, network ATM purchase service 1 transfer). The certification proves that the consumer who made the claim this time, "$ has the guarantee of complete claims. - If the consumer 20 needs to pay for the net, the 2G of the fee can be compensated according to the amount of the certificate. 10 15 Ο After that, the m section "People's virtual account holder 2 〇 «日 (4) λtmm, = money in the consumer, - steal, fresh mouth and remitted to the account of the service company 10. More;: two, company 10 The risk of vicious collapse, and then to the consumer 2. Division or: insurance company in the generation 3. Contains the traditional insurance of the public 1 (four) buy f travel Xu Zhaocheng = a certain C-tourism on the website. #〜With a certain agency to sign the travel-receiving contract, the name of the traveller, the identity card number, and the birth of a certain computer software. After == tour, enter the travel to a certain B, after the operation of the program Computer software will produce 20 201011664 Ο 10 15
一虛擬帳號。某丁專員將該虛擬帳號提供予某甲。某甲遂 至某庚銀行之一 ATM以金融卡進行轉帳匯款，當完成轉帳 至該虛擬帳號後，某庚銀行之電腦即透過電腦網路將轉帳 資訊通知某乙旅行社及某辛保險公司之電腦。某乙旅行社 之某戊電腦軟體透過網際網路將該曱之基本資料及該虛擬 帳號傳送至某辛保險公司之電腦。某辛保險公司之電腦將 該基本資料及該虛擬帳號匯入某壬電腦軟體，經程式運算 後，某壬電腦軟體產生一認證，該認證透過網際網路傳送 至該ATM。某曱點選該ATM列印收據之按鈕後，該ATM 便將該收據列印出來，而該收據包含該認證之内容。一旦 發生須理賠的情況時，某辛保險公司便可按照該收據之金 額賠償予某甲，如此，某曱便可獲得全額理賠。 雖然本發明已利用上述之較佳實施例予以詳細揭示， 然其並非用以限定本發明，凡熟習此技術人士，在不脫離 本發明之精神和範圍内，可進行各種更動及修改，因此本 發明之保護範圍當以後附之申請專利範圍所界定者為準。 【圖式簡單說明】 圖一顯示實施本發明之系統示意圖；及 圖二顯示本發明之確保一履約保證保險契約履行之方 法的流程圖。 12 20 201011664 【主要元件符號說明】 1 行業公會 10 服務公司 20 消費者 5 30 保險公司 40 銀行 100 電腦A virtual account number. A Ding Commissioner provides the virtual account number to a certain A. An ATM from a certain bank to a certain bank is transferred by a financial card. When the transfer is completed to the virtual account, the computer of a certain bank will notify the computer of a certain travel agency and a computer of a certain insurance company through the computer network. . A certain computer software of a B travel agency transmits the basic information of the 及 and the virtual account number to the computer of a certain insurance company through the Internet. The computer of a certain insurance company imports the basic data and the virtual account into a computer software. After the program operation, a certain computer software generates an authentication, and the authentication is transmitted to the ATM through the Internet. After clicking the ATM button to print the receipt, the ATM prints the receipt, and the receipt contains the contents of the certification. In the event of a claim, a certain insurance company can compensate a certain amount according to the amount of the receipt, so that a certain claim can be fully claimed. While the present invention has been described in detail with reference to the preferred embodiments of the present invention, it is not intended to limit the invention, and various modifications and changes can be made without departing from the spirit and scope of the invention. The scope of the invention is defined by the scope of the appended claims. BRIEF DESCRIPTION OF THE DRAWINGS Fig. 1 is a schematic view showing a system for carrying out the present invention; and Fig. 2 is a flow chart showing a method for ensuring performance of a performance guarantee insurance contract of the present invention. 12 20 201011664 [Description of main component symbols] 1 Industry association 10 Service company 20 Consumer 5 30 Insurance company 40 Bank 100 Computer
300 電腦 S201-S207 步驟300 computer S201-S207 steps