TW201023078A - Method and system of investment-type property insurance - Google Patents

Abstract

A method and system of investment-type property insurance. The proposer enters into the system of investment-type property insurance via electronic certificates to purchase an insurance policy of investment-type property, and then the credit-inquiry data, the collateral and the investment-type property insurance policy provided by the proposer is verified to endow the proposer with the credit limit to let the proposer enter into the system of investment-type property insurance to participate in the bidding. Moreover, according to the all inputted bidding amount, the highest bidding amount is used as the bid amount to decide the bid-winner, followed by tallying and delivering the total bidding amount, the deposit amount as well as the repayment. According to whether the insurance policy is due, whether the insured target is claimed, and the amount of insurance claim , the insurance claim amount, and the balance of the total bidding amount in the personal account after the invested property net asset value deducted by the total repayment of the residual issues or the present value of the deposit amount in the personal account is paid to the proposer or the beneficiary.

Description

201023078 VI. Description of the invention: [Technical field to which the invention pertains] [0001] The present invention relates to property insurance in the field of financial e-commerce, and particularly relates to the use of network technology to create an investment property insurance system with a capital bidding mechanism. Methods and systems. C Prior Art 3 [0002] Product insurance basically reflects the country's economic activities and the level of national life. In the United States, where the total premiums of life insurance reached US$1 trillion in 2002, the premium income of product insurance was as high as 52%. China's product insurance market is still not as developed as the United States. As far as 2006 is concerned, China's product insurance premium income is only 10,000 to 400 million yuan, accounting for only 6.8 percent of national life insurance premium income. The main reason is that, besides the commercial development gap, it should be the lack of product insurance content, and the traditional focus on traditional security products, but not the financial efficiency of the active financial market in the Internet era. [_] Savings property insurance was invented by German property life insurance (Pr〇perty Life lnsurance), but it was specifically commoditized as a Japanese product insurer. In order to satisfy the people's preference for saving in the country, Japanese property insurers introduced fire savings insurance combined with the functions of “guarantee” and “savings” in 1963, and savings-type property insurance in 1986 (mainly in savings-type fire insurance and savings). The insurance premiums accounted for 42.6% of the total premium income, and the savings accounted for the vast majority of premium income. In contrast, China's property and casualty insurance market, despite fierce market competition, has always had a low penetration rate because of the lack of product content. [0004] Savings-type property insurance, although it has brought huge revenues to Japan's product New Zealand company, is still unable to withstand the heavy blow of the financial year, so 097147036 Form No. A0101 Page 3 / Total 36 Pages 0972076861-0 201023078 [0005] e [0006] The proportion of premium income declined year by year to 32.4% in 1993. Secondly, in the face of the development of the Internet technology world, the warmth of investment products and the change in consumer savings concepts have made most customers no longer keen on such long-term fixed-rate savings products. Therefore, how to make the residual property insurance can eliminate the spread risk and make it close to the market dynamic interest rate, has become the financial commodity that the property and casualty industry has dreamed of. The invention of the US Patent Publication No. US 6, 236, 973 Β 1 "APPARATUS AND METHOD FOR PROVIDING COLLATERAL CONSTRUCTION LOAN INSURANCE COVERAGE" reveals that -T· kinds of loan banks mortgage building financing loan insurance coverage calculation gray-reinforcing services, according to the provided The characteristics of the mortgaged building (location, ageing, price...), the electricity allowance is tailored to a suitable insurance coverage and risk coverage, and the financing contract is automatically attached to allow the loan bank to save complicated insurance operations. At the same time, the program has complete insurance coverage to ensure that loans are safely reclaimed without causing losses due to natural disasters or accidents. However, this method provides customers (building mortgage financing parties) with fast calculations and reduces the risk of collateral due to disasters, but it is still a traditional type of property insurance, and there is no saving function at all. Insurance gets additional investment opportunities. The invention of the US Patent Publication No. US 6,772, 128 B2 "NUCLEAR DECOMMISSIONING INSURANCE FINANCIAL PRODUCT AND METHOD" reveals a special purpose property insurance, which is to be enjoyed by the insurer after the purchase of this insurance. The right to be free of all expenses at the time, as mentioned in the content of the patent, for the insurance of one such insurance for nuclear power plants, during the contractual agreement period 097147036 Form No. A0101 Page 4 / Total 36 Pages 0972076861-0 201023078 If the nuclear power is decommissioned (or planned) (iv), then the expenses and costs required (or possibly incurred) in the decommissioning process shall be borne by the insurance company to avoid the contingency of the decommissioning of the nuclear power plant. Loss or cost This patent case is an innovative insurance financial product. However, it is still a traditional property insurance in addition to the innovation of the content to be protected. It has monotonous functions, no savings and no investment. The insurance fund can be used for pure insurance, and there is no such thing as it. Therefore, this patent case obviously has its limitations. [0007] [0007] [0008] [0007] SUMMARY OF THE INVENTION In summary, the present invention provides a method and system for investment property insurance to solve the problem of soil. The object of the invention is as follows: 1. The invention constructs a fund bidding mechanism--allowing the payment method of property insurance to be paid from the level-fixed fixed rate of the savings-type property insurance, and becomes a changeable self-claiming interest rate payment method. The transformation of property insurance into investment property insurance. 2. The capital bidding mechanism constructed by the invention, the user's bidding standard can reflect the market interest rate: the market surplus water level, when the market capital demand is active, the 'investment commodity booming' interest rate rises; the market When the demand for funds slows down, the investment target is small and the interest rate falls. When the market interest rate is directly reflected on the fund bidding platform, the investment-type property insurance products that the customer participates in become a direct financial wealth management product with information symmetry. 3. Ensuring the stability of the insurance contract: The stability of the insurance contract is one of the factors that affect the soundness of the insurance company's operations. General product insurance is mostly a one-year short-term policy. When the policy expires, the variability is very large. Form nickname A0101 Page 5 / _36 page 0972076861-0 201023078 , causing great trouble for insurance companies. Traditional savings-type property insurance products, although having the function of a long-term contract, cannot reflect the symmetry of the information in the Internet era, and cannot bring products close to the market. Therefore, the rate of cancellation is still very high. The information symmetry of the fund 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 can increase the inventor's cash flow and increase the insurer's ability to use. 5. Increase the insurance coverage. As far as I am concerned about fire insurance, the motivation for insurance is based on the application for mortgage, the bank is strong: the system requires insurance, and the consumer who has no housing loan demand has 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 the housing loan demand to insure, and increase the insurance specialization. [〇〇〇9] In order to achieve the above object, the present invention provides a method of investment property insurance, which is applied to an investment property insurance system, the method comprising the following steps of φ column: then by the .3⁄4彳xf type of surplus Insurance_IV_Investment (4) Production insurance processing module receives and audits one of the basic information of the insured person; 阙 (4) (4) for the supply of the pledge - the investment (four) job protection policy for 'the pure person, the «_ production material Included in the competition-competition; 匁[]^--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- [0017] [0016] [0016] [0016] [0019] [0020] [0020] 097147036 0972076861-0 bidding transaction combination - the same number of bidding periods; right participation in the money bidding portfolio When the amount of the person to be insured is full, the bid amount of the insured person who receives the unsuccessful bid will be received by the fund bidding module of the investment property insurance system during each period of the bidding period. The fund bidding module is determined based on all the bid amounts entered— Standard amount and the winning bidder; by this type of investment property insurance systems - according to the bid amount settlement cash flow processing module - gotta gold standard, - and deposit amount - the amount of repayment;

Judging from the claims operation processing module of the miscellaneous property insurance system, whether the investment property insurance policy expires; * ' DX If the investment _ Li Chun _:, the lion should handle the module to calculate the person's good The current value of the deposit amount of the job or the amount of the deposit in the employee's account is given to the insured; if the investment property insurance policy is not _, the claim operation processing module determines the insured sample Whether the object of the insurance is in danger; if the insured object is in danger, the claim processing module determines whether the insurance claim is paid in full payment; and if the claim is paid in full amount, the claim is processed by the golden stream. The module settles the insurance claim and settles the net asset value of the initial investment of the personal account and then deducts the remaining period - the total balance recorded or the present value of the deposit amount of the individual account to a beneficiary The invention provides an investment property insurance system, comprising: - an investment property insurance processing module, which is used according to - one of the insured persons, the form number A0101, page 7 / total 36 pages [0021] 201023078 Review the materials, provide a “four (4) property insurance policy for the insured person to choose the stomach, the investment property insurance policy includes a bidding transaction portfolio, [0022] - the capital bidding age is used in the money trading combination _ Each bid period of the bidding period determines a winning amount and the winning bid according to the bid amount input by the insured who has not obtained the bid; [0023] a claim processing processing module for judging the insured Whether the subject matter is out of danger or whether the investment property insurance policy expires; and [0024] a gold stream processing module for settlement of a total winning amount, a deposit amount and a repayment amount according to the winning amount; 0025] wherein, according to the judgment result of the claim operation processing module, the gold flow processing module settles the total net worth of one of the investment accounts of one person account and deducts one of the remaining repayment amount of the remaining session period. The present value of the balance or the deposit amount of the personal account. [0026] [Embodiment] In order to make the present invention implementable, the embodiments of the present invention will be described in detail hereinafter, and preferred BRIEF DESCRIPTION OF THE DRAWINGS [0027] Figure 1 is a block diagram of an investment property insurance system of the present invention. In Figure 1, an investment property insurance system 4_〇2 is connected by means of network, wired and wireless communication. One of the external investment property insurance systems 402 to be used by the insurer is required to communicate with the terminal 401 (such as a computer, a mobile phone, a PDA, etc.), and to exchange an instant and secure message with the insured person. Each module included in the investment property insurance system 402 is described. [0028] 097147036 An investment property insurance processing module 4〇5 according to one of the insured persons electronic voucher form number A0101 page 8/36 pages 9772086861-0 201023078 [0029] [0031] The electronic document issuing authority 403, which is external to the investment property insurance system 402, obtains the basic information of the insured person and reviews the basic information. The premium payment by the insured person is received by a gold flow processing module 410, and the investment property insurance processing module 405 issues an electronic insurance policy for the investment property insurance policy to the insured. After receiving the application for the investment property insurance and the basic information filled in, the investment property insurance processing module 4〇5 reviews the identity of the insured person and the application for the policy according to the electronic voucher of the insured person, such as Review the actual risk factors (such as age, gender, property status of the goods subject to the new standard) and non-substantial risk factors (such as occupation, financial status, etc.), and carry out the underwriting work of investment property insurance. In order to evaluate and determine the conditions for the establishment of the policy, the scope of the property coverage, and the bidding period for which the policyholder is involved in the bidding period in which the policyholder is involved, a policy of establishing a policy is sent to the insured. The investment property insurance processing module 4.05 provides an investment property insurance policy for the insurer to choose to purchase. The investment property insurance policy includes a bidding transaction portfolio. The bidding transaction portfolio includes a bidding period, a bidding period, and a general meeting. Among them, property insurance includes 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 real estate, movable property or third party liability. When the property insurance is the liability insurance of the relevant property, the third party has the right to claim the insurance claim because of the damage caused by the insured property. 097147036 Form No. 1010101 Page 9/36 Page 0972076861-0 201023078 [0032] [0033] Ο [0034] 10 [0035] One review and one enhancement module 4〇6 review one of the offers provided by the insurer At least one of the letter information, the collateral, and the investment-type property insurance policy purchased by the guarantor is given a credit line of the insured person after review. 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 subject matter audited by the assessment and enhancement module 4〇6 is used as a collateral, the insurer is the owner of the insured object, and the insured and the insured of the property insurance are same person. One is the number of people in the gold bidding module 407 who are determined to participate in the bidding transaction portfolio (the credit limit is greater than or equal to the total amount in the bidding transaction portfolio) (the number is the same as the number of bidding periods in the bidding transaction portfolio) At the full time, in each session of the bidding period of one of the bidding transaction portfolios, the unsuccessful claimant enters a bid amount by the insured terminal 401 to the investment property insurance system 402, the capital bidding module 407 According to all the bid amounts input, the highest bid amount is used as a winning amount and the winner is determined. The fund bidding module 4 0 7 transmits the result of the bid opening to the insured person via the insured terminal 4 〇 1 . The fund bidding module 407 stores the aforementioned data in the database 4U. When there are several identical highest bid amounts, the fund bidding module 407 extracts one of the insured persons with the highest bid amount by lottery as the winner, and the bid amount is the highest bid amount; When there is no bidding, the fund bidding module 407 extracts one of the insured persons who have not obtained the bid as a successful bidder by the lottery method. The winning amount of the lottery method is one of the provisions of the fund bidding module 407. Basic cash. 097147036 Form No. Α0101 Page 10 of 36 0972076861-0 201023078 [0036] [0038] [0039] An investment management module 4〇8 provides various investment targets for the policyholder to choose. The investment management module 408 displays, via the insured terminal 401, the insured person corresponding to the insured person's investment-investment-investment target, investment benefit, and net asset value. Among them, the investment target includes financial products of at least one of mutual funds, marketable securities and derivative financial products. A claim for H processing Chi 4G9 receives the result of the claim application transmitted by the insurance property insurance system 4〇2, which is one of the external insurance company claims operating system 404, to determine whether the insured object is in danger or the investment property insurance policy expires. . Among them, the result of the claim is that when the insured object is out of danger, an insurance company receives the claim application, and carries out the insurance accident determination and judges whether it meets the claim standard. A gold stream processing module 410 settles a total amount of the deposit amount and a repayment amount according to the winning amount, and delivers the total amount of the deposit to deposit the personal account of the insured person who has obtained the bid, and has not deposited The amount of the deposit in one of the personal accounts of the insured person and the amount of the repayment that the insured person has paid at each session. The gold machine processing module 410 pays an insurance claim payment according to the judgment result of the claim operation processing module 409, and the total amount of the stipulated and stipulated personal account of the settlement and delivery personal account = 贝 = one of the net asset value and then deducts one of the remaining sessions The balance of the repayment amount or the present value of the deposit amount of the personal 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 account, the net asset value of the investment, and then deducts the balance of the total repayment amount, if the insurance claim is added If the balance is positive, then 097147036 Form No. A0101 Page 11 / Total 36 Pages 0972076861-0 [0040] 201023078, then Jinliu [0041] - Database 411 is used to access the investment property insurance processing module 4G5 The basic information of the policy holder, the investment property insurance policy, the bidding transaction portfolio, etc., the credit information and the enhanced module damage access to the creditor’s credit information guarantee, the technical property insurance policy credit line, etc. Funding for the competition, 7 access to the domain Wei, the highest (four) amount and the amount of the bid, etc. (4), the investment management _ group 4_ take the investment of the investment damage and the net value of the shellfish and other materials, from the claims operation processing module willow access The information on the insurance subject matter insurance and the investment property insurance policy, and the gold flow processing module 41, the amount of the deposit, the deposit amount, the total amount of the deposit, the repayment amount, the insurance claim, the total repayment amount, and the guarantee Product investment Type property insurance policy, personal account and other information 2 [0042] ❹ For the winner of the standard, the gold flow processing module 41 〇 according to the interest payment, the final settlement of the total amount of the standard has the following two calculations: ' : ·- ·': :: .. i 097147036 Form No. A0101 Page 12 of 36 0972076861-0 201023078 [0043] Interest paid first: 々 = 〇 7-4), (and - even + heart 1) .........jl)v Pay after the emergency: 4 = + .......................«i2> Huizhong ~ A is the winner It is necessary to protect the total amount of the prize obtained in the first period. LT is the upper limit of bidding h. Han is the number of bidding periods; *< fl is a current period, and "Li Li: is the winning amount of the winner in the 7th period, J; The winning bid is required to protect the winning amount in the i's period, and i <« ^ The above-mentioned winning bidder needs to repay the amount in the later period, and the repayment amount is calculated as follows~ Interest paid first: U................................................. ..... Payment after interest: ....................................... ..........

ψ· » W t/ is a bidding limit ^ / „ is the winning bid to protect the person in the first period of the amount of the winning bid.-· The gold stream processing module 410 settles the unsuccessful deposit amount of the depositor according to There are two ways to calculate the interest payment: Ref. 097147036 Form No. A0101 Page 13 of 36 097207686 Bu 0 201023078 [0044] The first payment is:: 'ί/一心........................ .......·... _ After payment: c/.................................... ..................The σ image in the pulse sense is the upper limit of bidding; #和傣 is the amount of the winning bid according to the period of the first period. #[0045 [0046] Figure 2 is a flow chart of the investment property insurance method of the present invention. The process of describing Figure 2 is described with reference to the components of Figure 1. First, the insured person issues the electronic voucher. The institution 403 provides basic information to apply for an electronic voucher (step Sl'Ol). After the insurance company cooperates with the network authentication power_sub-credit issuing institution 403 and reviews the basic information of the insured person, the insurance electronic voucher is issued to the insured person. v To protect the person from entering the investment property with the electronic voucher System 4〇2»Investment-type property insurance processing module 405 obtains and reviews basic information corresponding to the insured person corresponding to the electronic certificate from the electronic voucher issuing institution 403 (step W〇2). The investment-type property insurance processing module 405 will guarantee The basic data of the person is stored in the database 411. [0048] The investment property insurance processing module 4〇5 examines one of the insured objects of the insured person to be insured to give the insured object one of the insured amount. Insurance 097147036 The amount of insurance coverage of the insured object is purchased by the investment property insurance department Form No. A0101 Page 14 of 36 〇 〇 2010, 201023078 [0049] ❹ [0050] [0051] [0052] [0053 097147036 The investment property insurance policy provided by the management module 405 (step S103), wherein the investment property insurance policy comprises a bidding transaction portfolio. The investment property insurance processing module 4〇5 will be insured and invested The double property insurance policy and other information are stored in the database 411. The order is that if the guarantor is to ride the __ __ green person, the guarantor is also the insured of the property insurance, and has the insurance claim. Claim In order to protect the person who is not the owner of the insured object, the owner is the person who is the employee of the job, and has the right to claim the claim. The appraisal and enhancement module 4〇6 audit is provided by the insurer. At least the credit information, collateral and investment-type insurance policy towel are given to the insured person - credit line (step sl4) e credit rating and enhancement module 406 will collect credit information, collateral Information such as investment property insurance policies and credit lines are stored in the database 411. When the credit rating and enhancement module 4〇6 examines the insured object as a collateral, the insurer is the owner of the object to be pledged, and the insured of the insurer and the property insurance is same person. If the insured person is the owner of the insured object, the insured person is also the insured of the property insurance, and has the right to claim insurance claims. The owner, the title owner is the servant of the property insurance, and (4) has the right to claim the insurance. Next, the credit rating and enhancement module 4〇6 determines whether the creditor of the insured person is greater than or equal to the total amount of the bidding transaction combination (step si〇5), and the evaluation and enhancement module 4G6 The judgment result is stored in the data: I 〇 If the form number A0I01 page 15 / 36 pages 0_7686 〇 201023078 The credit limit of the insurance person is not greater than or equal to the total amount of the bidding transaction portfolio' credit evaluation and enhancement module 4 〇6, via the insured terminal 4〇1, asks the insured person whether or not to add the collateral to determine whether the insured person wants to perform the procedure for adding the collateral (step S1). [0054] If the guarantor does not want to add collateral, the guarantor must withdraw from the investment property insurance system 402 (step S107); if the guarantor wants to add collateral, the guarantor adds additional collateral. (Steps sl8), and returning to step sl〇5 ❹ [0055] If the credit limit of the guarantor is greater than the total amount of the winning bidding transaction portfolio, the gold stream processing module 410 receives the guarantor The premium paid, and the electronic insurance policy of the investment property insurance policy issued by the investment property insurance processing module 4〇5 is given to the insured (step Si〇9). [0057] Next, the fund bidding module 407 determines whether the number of insured persons participating in the bidding transaction combination is full, and the number of bidding periods is the same as the number of bidding periods of the bidding transaction combination. The credit limit is greater than or equal to the total amount of the bidding transaction portfolio (step S1 ίο). If the amount of the insured person participating in the bidding transaction portfolio is full, then each period of the bidding period is not awarded. The insurer is required to enter the investment property insurance system 4〇2 to participate in the bidding by the insurance terminal 401, and enter a bid amount in the investment property insurance system 4〇2. The fund bidding module 407 determines the winner by the highest bid amount based on the bid amount input by all the insurers (step Sill). At this time, in the event that the insured person is not entitled to the bid, he or she can continue to participate in the bidding in the next session until the bid is obtained. The fund bidding module 4〇7 will bid the amount, the highest bid 097147036 Form No. A0101 Page 16 / Total 36 page 0972076861-0 201023078 The amount, money amount and the winner are stored in the database 411. [0058] When there are several identical bid amounts in the same amount, the fund bidding method (4) the highest bid amount of the insured person's ^ is one of the winners' winning amount is the highest bid Amount; When no one invests in the field, the fund bidding module 4G7 draws out the unsuccessful ones from the fund bidding module 4G7, who is the winner, the bidding amount of the lottery method is the fund bidding module 407 The basic standard of the regulation. [0059] e the person by the gold stream processing module 41G according to the winning amount obtained from the database 411 to settle the winner of the "guarantee" of the total amount of gold (such as JL calculation formula (1) or (2)) If the unlicensed person wants to pay the depositor, he must pay one of the deposits (4)6)), and the winners who have obtained the standard - the repayment amount is as above, the ten formula (3) or (4)) 'deliver the total prize money to save The amount of the deposit of the personal account of the insured person who has obtained the standard, the amount of the deposit of the individual account of the insured person who has not been awarded, and the amount of the amount that the insured person has paid in each meeting period, the amount (Step sm). The gold stream processing module 410 stores the total amount of [0060] deposit amount, repayment amount, personal account and the like in the database 411 N, N 丨丨.... where the 'gold stream processing module 41 () is to be The deposit amount of the policy holder is converted into the _ part of the insured person's n-mark of the meeting period; and the amount of the amount (in the above formula (3) or (4)) of the gold stream processing module 410 Converted to the _ part of the total winnings of the insured person of the session. Then, the investment management module rights provide various investment targets for the insurer to select the total amount of the personal account to be awarded to Jinsaki Investment, and the management module 408 displays the total amount of the corresponding personal account via the insured terminal 4〇1. 097147036 Form No. A0101 Page 17 of 36 0972076861-0 [0061] 201023078 The technical target - investment target, investment profit and loss and _ net asset value, and the β Xuan and other data are saved to a database 411 (step S113 ). [0062] 、 [0063] The claim processing processing module 409 then determines whether the F-type property insurance policy has expired based on the claims data transmitted by the insurance company claims operating system 404 (step S114). If the investment property insurance policy expires, the claim processing processing module 409 notifies the golden stream processing module 410 to settle and deliver the total net worth of the invested individual account of the insured person who has obtained the insured person's net worth or not. The present value of the deposit amount of the personal account of the insured person is given to the insured (step S115). Among them, the unsuccessful & the current value to be settled by the insurer is the total winning umbrella calculated by the above formula (1) or (2). The right and the property insurance policy is not up to the view: The job processing module 409 determines whether the insured object is in danger according to the claim data transmitted by the insurance company claims operating system 4〇4 (step SU6), and if the insured object is not in danger, proceeds to step SU4; if the insured object is insured In the case of the insurance claim processing module, according to the claims data transmitted by the insurance company claims operation system 404 [0064], the insurance claims are paid (4) in full payment method (step sn?). When the 'insurance company receives the claim application' to carry out the insurance accident identification, and determine whether it meets the claim standard, and the result of the claim is transferred to the claim operation processing module 409 via the insurance company claims operation system injury. If not the full claim method When the insurance claim is paid, the gold flow processing module 410 pays part of the insurance claim according to the contractual content of the investment property insurance policy (step S118). And step Sn4 is performed; if the insurance claim is paid in full by claim 097147036 Form No. A0101, page 8/36 page 0972076861-0 [0065] 201023078, the gold flow processing module 4i〇 gives the claim and settlement The total amount of the total amount of the personal account of the personal account that has been awarded the insured person is the total amount of the repayment of the remaining period of the company's net assets (four) deductions* the total repayment amount _ Yuhui (four) the amount of the payment and then the investment property • the balance of the current value of the Newton policy prior to the interest rate or the current value of the deposit amount of the individual account that is not awarded the insured person (the present value is based on the interest rate previously agreed upon by the investment property insurance policy) The converted one is given to a beneficiary (step S119). 〇 _] 丨 _, right, if the guarantor has obtained the bid, the gold flow processing module 410 settles the claim insurance premium plus the total net amount of the individual account, and the balance of the total repayment amount after deducting the total repayment amount. If the claim insurance premium plus the balance is positive, the beneficiary, if the claim insurance premium plus the balance is negative, the gold flow processing module 41 processes the collateral to offset. [0067] Before the investment property insurance policy is terminated, the insurer is required to pay the premium on time according to the contractual contents of the investment property insurance policy. When the insurance claim is paid to the beneficiary or the investment-type property insurance policy due in full compensation, the contract of the investment-type property insurance policy is terminated (step S120). [0068] The method and system for investment property insurance of the present invention will be described below by way of an embodiment. [0069] Embodiments [0070] In recent years, news of natural disasters and man-made disasters has been frequently reported. 'Li Jun believes that his homes need insurance for insurance products. Therefore, an investment property insurance is insured against the fire risk of own homes. [0071] First of all, 'Li Jun provides basic information to the electronic voucher issuing authority 4〇3 to apply for 097147036 Form No. A0101 Page 19 / Total 36 Pages 0972076861-0 201023078 t Sub-vouchers (Step S101) e Then 'Li Jun by The security terminal 401 applies for investment-type property insurance and drought protection to the investment-type property insurance system 4〇2 according to its electronic voucher, and the investment-type property insurance processing module 4〇5 is based on the electronic voucher from the electronic voucher issuing institution. 3 to obtain the basis of Li Jun, the bait and review (step S1 〇 2). The investment property insurance processing module 405 stores the basic information of Li Jun in the database οι. [0072] The investment property insurance processing module 405 reviews one of the insurance subject matter (ie, a residential building) that Li Jun wants to insure to give the insured subject a guaranty amount. The insured person shall purchase one of the investment-type property insurance policies provided by the investment-type property insurance processing model boat 40.5 according to the insured amount of the insured object (step S103) » wherein the investment-type property insurance policy includes one with a bidding period , a bidding period and a general portfolio of bidding transactions. The investment property insurance processing module 405 stores the insured object and the investment-type property insurance policy and the like in the database 411. [0073] The conditions of the investment-type property insurance policy purchased by Li Jun are as follows: [_] Investment-type property insurance ❿ [0075] Policy conditions [0076] Type of insurance: three-year investment-type fire insurance [0077] Li Wei [0078] Insured: Li Wei [〇〇79] Insurance subject: Li Wei residential building [0080] Payment period: three years (annual payment) 097147036 Form No. A0101 Page 20 of 36 Page 0972076861-0 201023078 Round Listening (4): According to the capital price _ floating payment fee [0083] Capital bidding mechanism conditions. Just bidding period: three years, monthly - times 阙 bid limit: Xin Wan 4 [0086] With the one-year foreign exchange rate adjustment of the postal deposit (currently 2 genres) 刚 Just other: 1·To bid, you need to pass the company's credit rating [0088] 9 φ /〇f > , operation ' ', In the investment products provided by the company, arbitrarily choose *; *, the edge 3. If the risk event is the amount of the personal account balance of the $2 damage account that is paid in advance, the degree of damage is caused by the risk. The company has determined it. Under the condition of “News”, at least one of the credit information, collateral and investment property insurance policy provided by Li Jun to give Li Jun a credit line (step sl〇4) . The credit rating and enhancement module 406 stores the credit information, the collateral, the investment property insurance policy L credit line and the like in the database 411. [0091] Next, 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 S105), and the credit assessment and enhancement module 406 stores the judgment result in the data. Library ο 1. [0092] Since Li Junzhi's credit limit is greater than or equal to the total amount of the bidding transaction combination, the gold stream processing module 410 receives the premium paid by Li Jun (for example, year 097147036 form number A0101 page 21/36 pages 0972076861-0 201023078 [0093] Ο [0094] ❿ [0095] ==) Insurance: _ type property insurance processing model nuclear / insurance early electronic policy to Li Jun (step S109) e combination of the number of people to protect the person ( Step ·.), then in the bidding pure every - will shoot, Μ =:: r - the second poor Tang ancient I won the standard amount of 650 yuan, then Li used (step into = amount of 9,350 yuan in the personal account as The delivery step ^m)' and the deposit amount of this first-session will be 10, 〇〇〇元 after Li Jun won the bid or three years later. If Li Jun does not bid for the past three years, and the insured subject matter is not in danger when the investment property insurance policy expires (step m), then the gold flow processing module 410 is different and delivers Li Jun each meeting period. The deposit amount of the depositor in the personal account will reach the total amount of 350,000 yuan (1), just 35) after three years (such as the above calculation formula (1)), then the time of the first time (step SU5) will receive the amount in Li Jun. After that, the contractual content of the investment policy is terminated (step S120)», and Li Jun thinks that the market investment is very good when the continuous payment is about two years old, so he decides to bid to obtain the total bid to make the investment increase rate. Li Jun participated in the bidding at the 24th session and won the bid with the bid amount of 1 yuan (step Sill). The total bid amount settled by the gold stream processing module 410 was 338' 000 yuan (1〇, 000x23 + 9, 000x12), and the total amount of the bonus is delivered to be deposited into the personal account of Li Jun for the investment operation (step S112). [0096] Next, the investment management module 408 provides various investment targets for Li Jun to choose 097147036 Form No. A0101 Page 22 / Total 36 pages 0972076861-0 201023078 The income of the Zibei is self-proclaimed by Li Jun, investment management model Group 4〇8 announces the investment target, the investment profit and the net asset value of Li Jun, and the net income of the individual account of Li Jun’s personal account, to Li Jun, and saves the poor materials to the data. Library 411 (step S113). [0098] ❹ [0100] [0103] [0103] In the next 12 periods, each period needs to be refunded 1Q, the repayment amount of the Qianyuan, and the repayment of funds for the bidding towel Loan ^ Assume that the total amount of gold will be invested in the next year (12 issues), and the annualized return rate is 8%. When the investment-type insurance policy expires (step (4), it is settled by the gold flow processing module 410. The net asset value of the total eligible Jinjin Investment of the personal account reaches 365'040 yuan, which is 5 〇4 比 more than the pure deposit. It is posted (step S115). 4 After Li Jun receives the amount of the personal account, the investment property insurance policy is terminated. The present invention has been described above with reference to the preferred embodiments and the accompanying drawings, but should not be considered as limiting. Those skilled in the art will be aware of the embodiments and embodiments thereof. The contents of the present invention are not limited to the scope of the present invention. FIG. 1 is a block diagram of the investment property insurance system of the present invention, and FIG. 2 is an investment property insurance method of the present invention. Flow chart. [Main component symbol description] Insurance terminal 401 Investment property insurance system 402 Electronic voucher issuing agency 403 097147036 Form number A0101 Page 23 / Total 36 pages 0972076861-0 201023078 [0104] Insurance company claims operating system 404 [0105] Investment property insurance processing module 405. [0106] Credit Rating and Enhancement Module 406. [0107] Money Bidding Module 407 [0108] Investment Management Module 408 [0109] Claims Processing Module 409 [0110] Sheet Metal Stream Processing Module 410 [ 0111] Database 411 097147036 Form No. A0101 Page 24 of 36 0972076861-0

Claims (1)

201023078 VII. Scope of application for patents: A method of applying for property-type property insurance, which is applied to the investment-type property insurance system. The method includes the following steps: The investment (4) production line-investment (4) is received by the listening module. And review one of the basic information of the insured person; ~ Investment: 贞 51 property insurance processing model ^ provide - investment property insurance policy for the purchaser to purchase, the investment property insurance policy includes a bidding transaction portfolio; The fund bidding module of the asset-type property insurance system judges whether the number of the insured persons participating in the bidding transaction portfolio is full, and the number of bidders is the same as the bidding period of one of the bidding transaction combinations; right participating in the bidding transaction When the amount of the insured person is full, the tender bidding module of one of the investment property insurance systems receives one of the tenders entered by the insured person during each period of the bidding period. The amount, the fund competition module determines the amount of the winning bid and the winner according to the bid amount input. • [广广:: ά 9 h , 1:. '":; . V ' .φ The gold flow processing module of one of the investment property insurance systems settles a total winning amount, a deposit amount and a repayment amount according to the winning amount; and is judged by a claim operation processing module of the investment property insurance system Whether the investment-type property insurance policy expires; if the investment-type property insurance policy expires, the gold flow processing module settles the total net worth of one person's account by the net asset value of the investment or the deposit amount of the individual account. The current value is given to the insured; if the investment property insurance policy has not expired, the claim processing processing module determines whether the insured object is in danger; 097147036 Form No. 1010101 Page 25 of 36 9772086681-0 201023078 If the insured object is out of danger, then the claim settlement will be processed by the claim group ^ in the form of full claims - insurance claims; and if the insurance claims are paid in full claim, the gold flow will be processed. Settlement of the insurance claim and settlement of the individual account of the total amount of the gold and gold, ^ (4) net production value and then deduct the remaining period - total repayment The amount of deposits now account young people's value to a beneficiary. s 2· If the method of patent application scope w is applied, the step further comprises the following steps: the insured person provides the basic information to the electronic voucher issuing institution to apply for the spray-electronic voucher; β when the insured person uses the electronic When the voucher enters the investment property insurance system, the investment property insurance processing module obtains the basic information of the insured corresponding to the electronic voucher from the electronic voucher issuing structure; When the group provides the investment property insurance policy for the purchaser to purchase, the investment property insurance processing module reviews one of the insured persons to be insured to give the insured object a certain amount of insurance coverage. _ _ one of the investment property insurance system, one of the guaranty information provided by the guarantor, one collateral and at least one of the investment property insurance policy The credit rating and the enhancement module determine whether the credit line of the insured person is greater than or equal to the total of the bidding transaction combination. If the credit limit of the insured person is not greater than or equal to the total amount of the bidding transaction combination, the credit rating and enhancement module determines whether the insured person wants to add the collateral; If the guarantor does not want to add the collateral, the guarantor should withdraw from the investment type 097147036 Form No. A0101 Page 26 / Total 36 0972076861-0 201023078 Production insurance system; Right the guarantor should add the collateral And the additional collateral is added by the guarantor, and the credit assessment and enhancement module is returned to review the credit information, the collateral and the guaranty provided by the guarantor The step of the purchaser's purchase - at least the investment property insurance policy is to give the insured the credit line; if the trustee's reliability is greater than or equal to the domain number g , the money processing module receives the premium paid by the insured person, and the electronic insurance policy of one of the pure-capital property insurance policy is issued to the insured by ❹ 097 097147036 Gold flow processing Lai cross (four) standard gold The personal account of the insured person, the unsuccessful material of the depositor, the deposit amount of the personal account of the person's and the reimbursement of the insured person in each of the employees Amount; The investment property insurance system - investment management model Qiqi for various investment targets for the policyholder to choose 'the investment management module via - the person to be insured to display the corresponding total amount of the corresponding account Investing in one of the investment targets, one investment profit and loss and the net asset value' and the poetry to the database of the investment property insurance system; if the insured subject (4) is not in danger, the processing module is processed by the claim a step of judging whether the investment property insurance policy is due; if the investment property insurance policy _, the total amount of the standard fund of the personal account delivered by the golden flow processing module is the net asset value of the investment or the personal account The present value of the deposit amount is given to the insured person; if the insurance claim is paid in full payment, the gold flow processing module pays the insurance claim and the personal credit of the individual account. 972076861-0 Form No. A0101 Page 27 of 36201023078 The net value of the net value of the remaining amount of the remaining period or the present value of the deposit amount of the individual account is given to the beneficiary; The full compensation method pays the insurance group according to the investment (four) production insurance policy, and the (4) compensation operation processing module judges whether the investment property insurance is early or not expired; and when the full payment method is paid When the insurance claim is paid to the beneficiary or the dependent property insurance policy _, the termination of the investment in the dragon insurance ❹ ^ application for special deletion (four) transaction package 3 a bidding period, the number of bidding periods and the general meeting. The method of applying for the first aspect of the patent, wherein the step of determining, by the fund bidding module, the bid amount and the bidder according to the bid amount of the input person comprises the following steps: The bid amount of the round person determines the bid amount and the winner in the highest bid amount; ❿: there are several identical highest bids _, and the fund bidding module draws the highest bid amount by lottery If the person who wants to protect the person is the winner, the amount of the bid is the highest bid amount; and " when there is no bidding, the funds will compete for the “domain” method to extract the unguaranteed The person who is the winner is the one who is the basic standard of the fund bidding module. Pay ^ Please paste the method of item 1, where the property insurance includes - sea insurance, Liability insurance, insurance for the needs of the insured to disperse different risks, β 097147036 6 such as the method of the first paragraph of the profit range, wherein, when the insured object is listed 1 'H New York 51 Wei Wei, Private accident Set, on page 28 of the sheet number A0101 / 36 s 0972076861-0 201023078 Total and determining whether the standards claims and claims apply the result to the processing module via a job claims the insurance company claims square operating system. 7. The method of claim 1, wherein if the insured person has obtained the bid, the gold flow processing module settles the claim insurance premium plus the total bid of the individual account is invested The balance of the net asset value after deducting the total repayment amount, if the claim insurance premium plus the balance is positive, the beneficiary is paid, and if the claim insurance premium plus the balance is negative, then the cash flow is The processing module processes the collateral to offset it. 8. The method of claim 1, wherein the step of determining, by the gold flow processing module, the total amount of the winning bid, the deposit amount and the repayment amount according to the winning amount is settled by the following equation: Set the total amount of the winnings and interest first: Α = (ί/-·ΓΒ)χ (and interest payment: A = still (condition -1) + ί=4 settlement of the repayment amount: - interest paid first: ❿ After interest payment: υ + — Settlement of the deposit amount: one interest first payment: t/-/〆 interest after ^ payment: ί/θ where Ρ 4 is the winner of the bid to be guaranteed in the first period of the winning bid Gold; V t / is a bid limit: # and the system is the number of bidding period ft is a current period, and Η 况 _ 097147036 Form No. 101 0101 Page 29 / Total 36 097207686 Bu 0 201023078 n Series In order to succeed, it is necessary to protect the person's amount of the amount of the period; - be regarded as the winning bid to protect the person in the amount of the winning bid, and 乂疋❹ 9. An investment-type property insurance system, including: an investment property An insurance processing module for providing an investment property based on an examination of one of the basic data of an insured person The insurance policy is for the purchaser to choose to purchase, and the investment property insurance policy includes a bidding transaction portfolio; a negative gold bidding module is used for each period of the bidding period of the bidding transaction The unsuccessful bidder enters one of the bid amounts to determine the amount of the bid and determines the winner; a claim processing module to determine whether the insured object is in danger or the investment property insurance Whether the policy expires; and a gold flow processing module 'for settlement according to the winning amount _ total Iraqi deposit, gold deposit amount and a repayment amount; wherein, according to the judgment result of the claim processing module, the gold The stream processing module settles the total net worth of the one-person account by the net asset value of one of the investments, and then divides the balance of the total repayment amount of one of the remaining periods or the present value of the amount of the account of the individual account. 097147036 Form No. 1010101 Page 30 / Total 36 pages 0972076861-0 201023078 10. The investment property insurance system of claim 9 of the patent scope further includes: The investment property insurance treatment a group for taking the basic information of the insured person from the investment e-vouching according to the electronic voucher of the insured person, (4) the money to be processed by the insurer For the premium, an electronic policy for issuing the investment property insurance policy is issued to the insured; ° - Credit Rating and Enhancement Module' is used to review one of the credit information provided by the insured, a collateral and At least one of the investment-type property insurance policies, in order to give the insured person a credit line, determine whether the credit line of the insured person is greater than or equal to the "consumer payment" of the bidding transaction combination; - investment management module In order to provide various investment targets for the insured person to choose 'the investment management module via - to protect the end of the machine · should be the personal account of the total face investment of the investment target, - Qing bubble and the net asset value ; ❹ The gold flow processing module, excerpted (4) the total amount of the transfer of the key - the personal account, the deposited - personal account of the deposit amount, and the bidder has been awarded the payer in each - session - the repayment amount 'according to this The judgment result of the compensation operation processing module pays an insurance claim and the balance of the total net amount of the investment in the individual account, and the balance of the total repayment amount of the remaining period or the deposit of the individual account The present value of the amount; and a database for the basic information of the insured person, the investment property insurance policy, the bidding transaction portfolio and the like by the investment (4) property insurance processing module' And the information of the credit information, the collateral, the investment-type property insurance policy, the amount of money, and other information of the guarantor group, 097147036 from the fund, the bidding _, the highest pure amount and The form number A〇m Page 31 / 36 pages 9772086681-0 201023078 The amount of the amount of information, etc., 0 ^ The investment management module accesses the investment, the profit and loss, and the net is poor. The target, the investment (4) for 4 materials, the compensation operation to deal with the model storage and & 兮 insurance subject matter for access to the information of the ^ ^ ^ insurance beaker and the investment property insurance policy „ the gold flow At桎τ平和贡料, and, access to the winning amount, the deposit amount, the total, the repayment amount, 钤# a the total waiter gold, the investment type of financial Yan only claims, the total repayment Amount 'The collateral, production insurance policy, the personal account and other information.投资 t / t patent model 81 item 9 of the investment property insurance system, of which, 12,.匕 Including - the bidding period, the number of bidding periods and a general meeting.四 (4) The investment-type property insurance system of No. 9 of the patent scope of Jinzhongyu, in which the bidding module receives the highest bid amount according to the bid amount entered:: the bid amount and the winner; When the module has several identical highest bid amounts, one of the insured persons who draws the last bid amount by drawing is the highest bid amount of the bidder; and φ s When the bidding module is unsold, the lottery of the insured persons who have not obtained the bid is drawn by the lottery. The winning amount of the lottery method is specified by the sheet bidding module. - Basic standard gold. 13. The investment-type property insurance system of claim 9 of the scope of patent application 4, wherein 'the settlement operation processing model transfer (4) the result of the claim application transmitted by the insurance system of the insurance company A The result of the claim application is that when the insured object is out of danger, an insurance company receives the claim application, determines the insurance accident, and judges whether the claim is in compliance with the claim standard. 14. In the investment property insurance system of claim 9 of the patent scope, wherein the gold flow processing module settles the insurance claim and the total credit of the individual account when the insured person has obtained the bid The net value of the investment is deducted from the balance of the total repayment amount. If the insurance claim plus the balance is positive, then 097147036 Form No. A0101 Page 32 of 36 0972076861Ό 201023078 Pay a beneficiary if If the insurance claim plus the balance is negative, the collateral is processed to offset it. 15. The investment property insurance system of claim 9 wherein the cash flow processing module settles the total winning amount and the deposit amount according to the winning amount. The amount of the payment is determined by the following equation Settlement: Set the total amount of the deposit to be deducted ~ Interest paid first: =-π) + ί/χ(π-1)+ί After interest payment: a=y χ (and -1>+£ ν Set the interest of the repayment amount Pay first: After interest payment: y+i〆 Set the deposit amount: P Interest paid first: C/-// After interest payment, then ~ A is the winner of the bid, and the total amount of the winning bid, ® σ is - Lin JL limit, and the system is the number of bidding periods, η is a current period, and "JV; ^ 1" is the winning bid for the winner of the period; - i ;. is the winning amount of the winner in the second period, and ~ 097147036 Form No. 101 0101 Page 33 / Total 36 Page 0972076861-0