201227581 六、發明說明： 【發明所屬之·技術領域】 pool]本發明與電腦應用系統有關，進言之，是使用資訊 科技之系統整合運算技術將履約保證契約與金流風險相結 &之I理糸統，糸統與方法是有關於將系統整合運算技術 使用在履約保證的風險估算與履約執行與金流相結合的廯 用中。 【先前技術】 [0002]糸統整合運鼻技術是資訊科技產業不斷演化的— 種科Ί又’從早期的主機模式(majnframe)，到主從架構模式 (client-server)，到三層式的應用模式（applicati〇n ， ,以及雲端運算（cloud computing)服務模式。系統整合運算技 ，允許系統將應用（applicati〇ns)、服務(services)、資料等依 ，要部署在不同的主機或伺服器上，以增加系統運作的^ ，、可用性與擴充性。各個主機或伺服器可採用應用 ^服務的模式來相互呼叫或整合以達成運算的目的。利^ Ϊ Ξ ί行重新指向、服務的部署、資料的彈性儲存等機制 ^統整合㈣技練供线化㈣法，來f理―m ^存取開放化的資訊系統，以降低系統運作的成=集= :驟ί前t確保履約保證保險契約履行之方法，所包含二 匯入指定之虛擬帳s帳==務=將 △司，消費者已匯入完成；由服務公司之♦保險 j將消費者之基本資料及虛擬帳號傳ds際網 ，；保險公司之電腦儲存消費者基本資之電 字其與履約紐保險契約相關聯而讀保“‘契= 201227581 供公司將履約保證保險契約確伴履行之 把迅美仏予蝻費者。此一履約保證保險 ^履仃之一 為商業模式，缺乏技術思想與相關之術牲^仃之方法僅 系統整合運算技術，將先前僅為商業槿^。本發明以 契約履行料進賴術雜財，進㈣=^保果險 【發明内容】 [0003] 本發明提出—使用系整 保證契約履行之系統與方法。 递异技術來達成履約 [0004] 在第一實施例中，一车 ^ ;至少-處理單元的履約保單元 ΐ 擔控管系統可利“供； 含複數個可利用組態設定來双伴、^ 〇系；同樣包 風險共擔控管系統。履約保證金流 款關訊息的服務單位、銀行或ii單:履 統。該履約保證金 (configured)及至少一個 H、、且態 供之資訊來㈣至今―—而履、㈣局°P應用系統所提 自動化單元的狀態:亥客戶端履約保證局部應用系統 [系:Ϊί上寺二中，該履約保證金流風險共擔控管 局部應用系U = i定組態，並根據客戶端履約保證 的依據。出履、力保短契約之費率，供作生成履約保證契約 [上0ί其他ί找實施财’該履約保證金流風險共擔控 二二二；一資料儲存單元可設定組態，來儲存與至少一 各戶鳊履約保證局部應用系統相關的資訊。 201227581 [0007] 在料之其他實施例巾’該履龍證金流 控管系統至少一處理單元可設定纽態，及利 ，共擔 保證局部應用系統之保險請求與履約執行歷 而履約 理與更新特定客戶之相關風險估算參數，及風險並栖，處 之使用策略建議與曝險部位警告。 /、擔基金 [0008] 在第二個實施例中，是決定履約保證契 法與步驟，該步驟包含至少一個可設定組態的 = 保證局部應用系統與至少-個履約保證相關‘c 法^樣包含湘履約保證金流風險共擔控管 ^ 理單=>，來分析履約保證金流風險保險契約費率的^ = 訊。該分析相關資訊包含一個或多個由複數個服於= ”之履約保證金流實證資訊。該方法 二： —履約保^金^險管理李统 包含稷數個履約保證金流風險靡 a έ处《e里系、、克 證金流風險應用整合系；一早；^全：-履約保 控管系統與複數個客戶=二金流風險共擔 保證金流風險共擔控势履力保。丘局邛應用系統，該履約 位之履約保證金^心目3 與-個或多個服務單 險共擔控管系統將利用j關的貝料庫。該履約保證金流風 果的歷史資料，並社人收之履約保證契約請求與執行結 風險共擔基金最“;：^今之使用情形，來決定 【實施方式】 [0010]為進一步對太名又 式、圖號說明'及發明？作更清楚的說明’乃藉由以下圖 審查工作有所助益。說明，冀能對責審查委員之 【圖式簡單說明】 201227581 管 [οοη]圖一描述本發明之一範例履約保證金流風險共擔和 系統與其環境。 ° 1 應用系 [0012]圖二描述本發明之一範例客戶端履約保證局部 統與其環境。 理 [0013] 圖三描述本發明之一範例履約保證契約金流風險管 系統與其整合應用情形。 [0014] 圖四描述本發明之一範例履約保證 =5]圖五描述本發明之-範例履約保證契約費 [=圖=:所支援之履約保證金流風險共擔控管 【主要元件符號說明】 [0017] 在以下由圖一至圖六 ％ —、 例，其用來描述本文件中所述“二各種實施 應不可以其他方式來建構而心堇，明之用， ，域中具有通常知識者，應瞭解則=屬技 型怨之適當安排的設備或系統上實施。之原則可在任何 [0018] 圖一描述本發明之一範例 端履約保證局部應用系、统102、1〇4、、’ 〇^ 一顯示客戶 金流風險共擔控管系統1〇 =J:履約保證 擔，管系統_包含處理單元流風險共 兩早凡均可被客戶端履約保 & 112,此 存取。本發明創新之處之— 104、及 的履約保證金流風險共擔控管李八彈性且穩固 流程並與可供選擇的付多透=新，業 式相結合，來提供履約保證契約服務二：式官理模 客戶端履約保證局部應用系統。此多;$，境下的 匕夕凡，吧合式管理模式可 201227581 辨識所需:备# ^ 履約保證之佯卜f態及需求資訊的客戶端。例如對# 與旅遊服務、銀行或：ii:金f風險共擔控管 客戶鳊履約保證局 、/'也早位、保險公司等各 契約的電子化作業 糸統進行協作，來完成履約保證 [〇〇19]履約保證金漭 > U f行資料運算二^資H系統⑽是具有健存資 共擔控管系統包含至少]。統。此履約保證金流風險 約保證金流風險a it态，可由遠端來存取。此履 凡，可以處理單元11〇 ^二’ ς知，以及複數個處理單 險共擔控管系統108 履約保證金流風 系統相互溝通的硬與客戶端履約保證局部應用 管系統108亦可包人盘安=^此履約保證金流風險共擔控 溝通的軟體。因此，靡立而履約保證局部應用系統相互 利用軟硬體及_安^風險共擔控㈣統⑽ 應用系統102、1〇4、1 連、、，。與客戶端履約保證局部 二^風險整=亦適用於複數 108的處理單元保證金流風險共擔控管系統 應用系統102、104 單元112。客戶端履約保證局部 序與履約保證金流風有ff同時存取局部處理程 客戶端履約保證局部細统⑽所提供的資訊。 個不同行業環境或單^ ΊΊ1()2、1G4、及⑽可為複數 的电腦糸統。客戶端履約保證局部 8 201227581 應用系統102、104、及106亦可包含複數個伺服器、個人 電腦、、或任何可作為履約保證契約服務請求相關^子化作 業的溝通設備。 [0021]客戶端履約保證局部應用系統1〇2、1〇4、及可 透過任何文全或一般的方法，包括安全超文件傳輸協定 (secure hypertext transfer prot〇c〇1)，安全終端機 telnet)、或安全檔案傳輸協定（secure file transfer 〇 來與，約保證金流風險共擔控管系統1〇8溝通。一般瞭解 採用安全方法是優於一般方法，而所選擇的方法則是依存 取的功能需求而定。本發明並未限制僅能採 協定或資料傳輸方法。 』付疋刃 [〇〇22] &客戶端履約保證局部應用系統102、104、及1〇6與 履約保證金流風險共擔控管系統1〇8的溝通可以是單向的 亦可以是雙向的。在許多系統與本發明所揭露的方法中， 雙向f通ΐ優於單向溝通。所謂單向溝通是指資料是由一 溝通設備送至另一溝通設備。所謂雙向溝通是指資料是在 兩個或多個溝通設備間相互傳送與接收。 些實施例中’履約保證金流風險共擔控管系統 108 可忐採用服務導向架構(Service Oriented Architecture， π二伺服主機來提供履約保證契約資訊電子化作業服 ί。端一使用者呼叫—功能，例如履約保證費率查 二二、1 = f戶端局部應用系統上的使用者利用服務呼叫 求ί約保證金流風險共擔控管系統iG8提供資訊 一5 。本發明所揭露的系統或方法可被設計為多租戶 (二此可讓多個服務提供公司、多個保險公 二雜或保證單位共享同一實體資料庫資源，但 仍維持各自資料的完全與私密性。 令巧新特徵之-是在執行履約保證契約電子 沾次^是數個履約保證金流風險共擔控管系統108 的貝枓儲存與純處理單_採祕合祕理模式。如果 201227581 各戶履約保證局部廉用益^Λ q 性交由履約保證金流險^’、n=_的某些特 時’則可選擇由履約保證全、風?8 *執行較優 行；否則可維持在客戶端⑽來執 行績效。 ^核貝_有效安排與較佳的執 [0025] @二描述一客戶 示200。每一客戶端履約_局部统202之圖 均包含一客戶端履約保證局部、=0。2、及106 約保證局部應用系統2〇2包二此客戶端履 元H部线資射ϋ元應，組處理單 /輸出單元220。此局部系統應用模 ^部1輸入 保證費率模擬核算模組2〇4 履U广可為履約 施’或是履約保證繳款金流管^模 1且2 ΓΓ 3管理模組 付款請求金流管理模組21G，或履約保證 =’ 3履約保證基金管理管理 證局部應用系統溝通時，以即時回應戶1約保 客戶端履約保證局部應用系、i 202可“ 立或保險公司的履約保證費率模擬核算處理： :，應用模組2二===== 細組2°8，或是銀行=ΐ: 的履約保證付款請求金流管理系 a 銀行或保證單位的履約保證金;泉圈存；^二用$， ，’或是銀行或保證單位的履約= = ; = ; 時處理模式—般要求即時得到回ί -。時處理模式的範例可能為在某 用額度的ΐί) 能的自動化作_如客戶信 201227581 [0027]非即時處理模式為當與其他 保證局部應用系統溝通時， 1、.·。之各戶端履約 ”候仔列，待對方系統處 息回覆的處理模式。其他相連社 =處理結果以訊 用系統202可為履約保證單位^保=履約保證局部應 模擬核算處理系統或應用模組崩X 3履約保證費率 保險ί司的履約保證契約管㈣統或單位或 銀行或保證單位的履約保證 产故，、、且206，或是 是銀行或保證單位的履約用模組 圈存管理系統或應用模組212汊早位的履約保證金流 約保證基金管理系統或應用艮仃或保證單位的履 般要求處理的完整與正確性，、诵 二非即時處理模式〆 作業。此種非即時處理模式的範例可保交易完成的 行某一特定功能的作業(例如 此為在非特定時間執 [0028]不僅系統功能可以即之審核）。 統所需要的資料亦可以即時或5 日才的模式來執行，系 實施例中，即時處理模式所需的方式來提供。在〆 料儲存單元218中；而即時處=二=，可先儲存在局部資 存在履約保證金流風險政擔势,1所不需的資料亦可儲 中。 &糸、统⑽的儲存單元112 [_]傳統履約保證金“& 付款後，消費者的權益無法得 費者在購買服務及 保證金流風險共擔控管系統提尤伤保障。本發明之履約 服上述之問題。方法是當消費去有付款圈存機制來克 供單位是加入履約保證之备員，貝服務後，如果服務提 理賠權益所有人選擇付款1 j可由消費者或要保人或 謂會指定—虛;帳⑶風險共 之付款方式將履約金額圈存至 賠柄|所有人依選定 子至此虛擬帳號，圈存後，保證 201227581 單位或保險公司即依消費者或要保人或理賠權益所有人所 選取之付款方式，將履約保險契約開立給該消費者或要保 人或理賠權益所有者。將來提供服務的單位，則是依服務 合約履約所規定，由圈存的帳戶中領取履約金額。而履約 保證契約之費率則是依消費者或要保人或理賠權益所有人 指定的履約金額、付款方式、圈存期間長短、及履約付款 期數與比率，以系統設定參數之方式來計算。本發明以系 統整合模式進行流程控管，並以設定系統組態模式進行參 數設定與運算來解決傳統履約保證消費者所遭遇履約保噔 金流上的風險。 ° [0030]履約保證金流風險共擔控管系統1〇8與各種客戶 履約保證局部應用系統202間之溝通，應採行即時或非 時何^處理模式’纟實施時並未特別限定。而何種處理程 序與貧料是儲存在客戶端履約保證局部應用系統2〇2中， =或是儲存在履約保證金流風險共擔控管系統1〇8中，在 實施時同樣亦未❹m定。可明確瞭解的是，所採行 理模式，是基於資料的重要性與特性來決定。任何系統或 方法如採n統整合技術，來處理履約保證之金流風險丘 詹與控官系統中相關的處理程序與儲存資料，而在實施 合/減崎祕證金流級賴好系統⑽ 與複數個客戶端履約保證局部應用系統202的方 ΐϊϊίί:均將與本發明所揭露之技術特徵明顯雷同而 [=]另-絲決定處理過程t，諸或處理程序是由声 ^保證金流風險共擔控管系、統1Q8負責，亦或是由客戶^ ^，„應用系統2〇2負責的實施例，則是基於對各 ! Ϊ f If ^ § (configuration),, „ ^ ，數夬疋處理料的順序、呼叫何種客戶端應用系 、·先之功能、及處理之模式；指定之參數則決定呼叫日^以 之引數(arguments)個數與所給予之值。 、 201227581 [0032]本發明所揭露之金流風險共擔控管系統優點之 一 是能整合各種履約保證服務彳于業之早位’而不限於單 • 一行業之單位。不同行業或不同規模之企業單位的履約風 險，是在系統組態中，以不同的參數值針對個別的服務單 位來訂定。而銀行或保證單位之履約保證金流圈存管理212 與履約保證契約管理206，則是採代表公司模式來運作， 相關的帳務則可另以拆帳模組來處理。 [0 0 3 3 ]本發明所揭露之金流風險共擔控管系統與方法的 另一個優點是能快速部署新的服務或功能到複數個客戶端 而不需要變更客戶端的局部應用系統。當一種新的服務上 線時（例如新的付款方式）’此種服務是提供給消費者作選 擇，而不需變更客戶端的局部應用系統。 [0034] 本發明所揭露之金流風險共擔控管系統與方法的 另一個優點則是可蒐集與履約服務品質相關的資料作為分 析服務滿意度評比與服務品質改善建議的有價值資訊。在 - 履約完成後’由系統發出服務評價問卷請消費者填答，即 可蒐集到與服務品質相關的資料作進一步分析，例如服務 提供單位期間履約金額與品質統計表，如此不僅可提升提 供服務單位之服務品質，所累積的資料亦可供保險精算或 學術研究資料探勘（data mining)之用。 〜 [0035] 圖三是使用履約保證金流風險控管應用整合系統 3〇2為核心之履約保證金流風險管理系統3〇4的一實施 例。在本實施例中，履約保證金流風險控管應用整合系統 ^02包含履約保證金流風險共擔控管系統與客戶端履 =保證局部應用系統202。履約保證金流風險控管應用整 二302是使用在履約保證金流風險管理系統3〇4中， 二讯科技系統整合所屬技術領域中具有通常知識者應能 ':山此履約保證金流風控應用整合系統可包含複數個客 ，履約保證局部應用系統2〇2與複數個履約保證金流風 險共擔控管系統108。 201227581 =]〇:::執，本發明所揭露之履約保證金流風控方 = 約保證，則客戶 aw，局孩系2G2,將依組態所設 ㈣俾1今、4費者或要保人或理賠權益所有者身份，向 =時金傳==統付1i8:履約保證請^ 10二履約保證金流風險共擔控管系'紙108。 到明求後，將產生一虛擬帳號404，同時回復仏 ”證服務單位之局部應耗統2G2，及通“戶^約 保过銀仃或保證單位之局部應用系統406;消費者或^ 依選定之付款方式完成繳款至虛擬帳 巧f銀行或保證單位之局部應用系統202 將依㈣所〜之模式，向履約保證金流風險 ，108通告付款圈存4〇8 ^ ;履約保證 官系統108通知客戶端履約保證公司^ Κ ϋ =約保證契約410;履約保證契約：電=J: 202 消費者或要保人或理賠權益 ^甩子祂案傳达給 位依履約保證條款，向虛擬帳J = ;服務提供單 虛擬帳號中的履約金額執行完成後，求/14;而當 共擔控管彡統I。8㊅履約紐消？ ;丨=5:金流風險 J有者發出服務品質調查問卷，請= =權益 所有者填答及進行履約品質資料 [0037]本發明所揭露之 合模式之另-利益是系統的共用性，統綱整 保險公司局部應用系 9， 田客戶端履約保證的 保證單位局部應用系統搬d約保證的銀行或 控管系統ι〇8相連結後，任何服務風險共擔 研早位只要將其客戶端履 14 201227581 約保證的局部應用系統與履約保證金流風險共擔控管系統 108相連結，及設定組態後即可立即上線進行履約保證交 易，此將縮短建置的時間與建置的費用。 [0038] 在某些實施例中，本發明允許所有與客戶端履約保 證局部應用系統202相關的資料，亦可儲存在集中的履約 保證金流風險共擔控管系統108的中央儲存體中。儲存在 中央儲存體中的資料，是以一可唯一識別的鍵值，與客戶 端履約保證局部應用系統202的相關資料相對照。此唯一 可識別之鍵值將作為串接各客戶端履約保證局部應用系統 202之用。 [0039] 在履約保證金流風險共擔控管系統108中有一事件 營理機制，其將追蹤所有請求處理之狀態，並在處理發生 延誤情形時發出警告訊息給指定之單位進行特殊狀況處 理。 [0040] 在某些實施例中，客戶端履約保證局部應用系統 202並不限於單一地區，而可能會有跨越不同國家或地區 之客戶端履約保證局部應用系統，在此情形下，履約保證 金流風險共擔控管系統108應有處理多幣別與多語言之能 力。 [0041] 圖五描述本發明所揭露之履約保證契約之費率估 算方法500的一範例。在區塊502中，履約保證契約之費 率核算是先判定服務單位之信用等級；接著在區塊504 中，履約保證契約之費率核算是依付款方式來分類，而在 區塊506中，履約保證契約之費率再依履約金額分為k個 層級來核算，費率核算是以履約金額由最低層級逐層累 計，層級越低費率越低，層級越高則費率亦越高，亦即當 履約金額越大時，所累計之層級越多，而累計之保費亦越 高；接著在區塊508中，履約保證契約之費率核算將再依 付款圈存的期間、付款之期數與每期付款之比率給予不同 15 201227581 ^ 陣越2費率越高；區塊510則是自行設定費 级°、刖述之服務單位信用等級'、履約金額層 ϊ二付款期數及每期付款比率代入費率計 A ί 5 Τ Α塊512則是對昭夸统所設定之參數來計算 履約保證契約保費。 』，、、、乐、，兄爪。又火/受个,开 [0 0 42^圖五中所揭露之履約保證契約之費率計算方法優 ΐ之2糸統以自訂#率計算公式，並以參數來驅動之模 具有極大的彈性。而且隨著時間演進，當系 的歷史資料後，可以統計方法來精算參數， ^ f改費率計算公式及更新各種參數值，即可完成 糸統之精進與費率估算之合理化。 [0043^在+履約保證金流風險共擔控管系統1〇8中’服務單 位之#用等級之核定是依金流付款方式與圈存期間由代表 險公司或銀行或保證單位來設定與維護 。至於保費計 异公式、履約金額層級、付款圈存期間、付款期數及每期 付款比率之費率參數亦是由代表之保險公司或銀行或保證 單位來設定與維護。 [0044]前述之履約保證金流風險共擔控管系統1〇8與客戶 端履約保證局部應用系統202可建置在任何通用.目的 (general-purp〇se)並具有足夠處理能力、記憶資源及網路連 線功能的電腦600上。商用電腦可作為部份或全部履約保 證金流風險共擔控管系統1〇8的單元。圖六描述適合建置 本發明所揭露之一個或多個履約保證金流風險共擔控管系 統108之典型電腦實施例。通用目的電腦6〇〇包含一處理 器612(或稱為中央處理單元CPU)，其可與記憶單元溝通， 記憶單元可為唯讀記憶體（read only memory, ROM) 604、隨 機存取記憶體（random access memory, RAM) 606、輔助儲存 設備（secondary storage) 602、輸入出設備（input/output device) 608、及網路連結設備（network connectivity device) 610。處理器可為單核心亦可為多核心之架構。 16 201227581 [0045] 輔助儲存設備602可由一個或多個磁碟機（出认 drivers)或磁帶機（tape drivers)組成，可作為非揮發十生 (non-volatile)資料儲存，或當ram 606工作區無足夠記 憶空間時’作為存放滿溢(over_f|ow)資料儲存設備之用。輔 助儲存設備602亦可用來儲存可载入至RAM 606中執行 的程式。ROM 604是用作儲存執行中的程式指令或資料。 ROM 604為非揮發性的記憶設備，其記憶容量一般較輔助 儲存設備小。RAM 606用作存放揮發性(volatile)的資料或 私式指令。ROM 604與RAM 606的存取(access)速度，通 常會比輔助儲存設備快很多。 [0046] 輸入/出没備608可包含印表機(printer)、視頻終端 機（video monitors)、液晶顯示器（liquid crystal displays, LCDs)、觸控螢幕顯示器（touch screen displays)、鍵盤 (keyboards)、手寫鍵盤(keypads)、交換器（switches)、撥號 器（dials)、滑鼠（mice)、軌跡球(track balls)、語音辨識器 (voice recognizers)、讀卡機（card readers)、讀紙帶機(paper tape readers)、或其他熟知之輸入設備。網路連接設備 (network connectivity devices) 610 可為數據機（modems)、 數據機組（modem banks)、乙太網路卡（ethernet cards)、USB (universal serial bus)介面卡、序列介面卡（serial interfaces)、標記環卡（token ring cards)、FDDI(fiber distributed data interface)卡、WLAN(wireless local area network)卡、無線電傳送卡（radio transceiver cards)例如 CDMA(code division multiple access)或 GSM(global system for mobile communication)、或其他熟知的網路設備。這些 網路連接設備610可支持處理器612與網際網路(internet) 或與一個或多個内部網路（intranets)相互溝通。透過此一網 路連接，處理器612可在執行前述之處理程序與方法時， 由網路接收資訊，亦或將資訊輸出到網路上。這些資訊通 常是以一序列指令形式，例如嵌入在載波中的資料信號來 17 201227581 表現，並由處理器612來執行。 傳輸媒介作―)或嵌人在載波t的資料 術領域中具普通所一可為任何該技 t=]fi處理$ 612可存取並執行儲存在硬碟(hard disk)、 人 “（oppy disk)、光碟（0ptical disk)、R〇M 6〇4，RAM 606、 =路連接没備㈣、或任何輔助儲存設備602中的指令、 機器碼、電腦程式、或腳本語言（scripts)。 [^049]圖四中的步驟雖是以順序方式顯示’但在某些特殊 貫施例中，是可以重覆或重疊的方式進行。亦可依設定之 組態，以即時或是非即時的處理模式進行。 [〇〇Ζ〇] 某些贯施例中，以上所描述的各種功能，可利用 電腦可讀取的程式碼格式及電腦可存取的設備與媒介上來 實作及子持。此處所謂「電腦可讀取的程式碼格式」包含 任何型態的電腦編碼’包括原始碼（s〇urce⑺如）、目的碼 (object code)、及可執行碼（executabie c〇de)。而所謂「電腦 7L· 可存取的設備與媒介」則包含任何型態電腦可存取之單 一-例如 ROM (read only memory)、RAM (random access memory) ' 硬碟機(hard disk drive)、光碟機（compact disc)、 DVD (digital video disc)、或任何其他型態的記憶體。 [0051]本說明書中提到的某些字句特予以定義以幫助瞭 解。「基金」是指由參與的各方出資募集，作為平台建置及 營運及理賠自行負擔風險部位之用。「風險共擔」是指將履 約保證可能發生的風險，以參與各方出資募集所得的基金 來共同承擔自行負擔風險部位。「圈存」是指消費者完成繳 款後，履約金額並不立即支付給服務提供單位，而是先存 放在虛擬帳號中，然後依履約條款之規定，逐次由虛擬帳 號進行付款，以達成履約保證及保障消費者或要保人或理 賠權益所有者之權益。「保費」是指履約保證的契約費用金 18 201227581 額而不僅限於保險契約的費用金額。 [0052] &本發明所揭露與描述的一些實施例及其關聯的方 法，對該技術領域中具普通知識者，進行替代與變更實施 -例铃方去將疋顯而易見的。因此，上述實施例的描述並非 定義或限制本發明。任何變更、取代與替換均無法分離本 發明所揭示的精神及主張的權利範圍。 七、申請專利範圍： 1 · 一種糸統包含： 至f—個履約保證金流風險共擔控管系統1〇8,該履約 保證金流風險共擔控管系統108包含至少— 及至少一個處理單元112，在履約保 =/、擔控管系統108中，可設定組態執行至少一種服 單位的履約保證金流風險控管服務； iS定與，個客戶端履約保證局部應用系統202 '自，兮賴金減險奸服務相關的訊 ΐ位rf登局部f用系統202可為服務提供 或其組合丁或履約保證單位，或保險承做單位之一 金？！險共擔控管系統108的至少-處理 的程序與步二;履約保證契約開立 費率的^費率計算公式及使用之參數來計算 2.如申請專利範圍第丨項 金流風險共擔控管系統108的至少;：單在=證 所設定級態絲計算履約保^二處理早％ 112中’ 可為但不限於服務提供^位的：、、讀率所使用之參數’ 級、金流付款之方式、t 5用等級、履約金額的層 圈存的期間'金流支付之期 19201227581 VI. Description of the invention: [Technical field of invention] pool] The invention relates to a computer application system, in other words, the use of information technology integrated computing technology to link the performance guarantee contract with the risk of gold flow & The system and method are related to the use of system integration computing technology in the implementation of risk assessment of performance guarantee and implementation of the implementation of the flow. [Prior Art] [0002] The integration of nose technology is a constant evolution of the information technology industry - from the early host mode (majnframe) to the master-slave architecture (client-server) to the three-tier Application mode (applicati〇n, and cloud computing service mode. System integration computing technology, allowing the system to apply applications (applicati〇ns), services (services), data, etc., to be deployed on different hosts or On the server, to increase the system operation, availability, and scalability. Each host or server can use the mode of application ^ service to call or integrate with each other to achieve the purpose of computing. Lee ^ Ϊ ί ί 线 re-pointing, service The deployment, the flexible storage of data, and other mechanisms integrate (4) the technical training and supply (4) method, to access the open information system to reduce the system operation = set =: The performance guarantee insurance contract fulfillment method, including the two remitted into the designated virtual account s account == service = will △ division, the consumer has been remitted to completion; by the service company ♦ insurance j will be the consumer's basic information and virtual The number of the ds network, the insurance company's computer storage consumer basic capital of the word is associated with the performance of the New Zealand insurance contract and read the insurance "'c = 201227581 for the company to fulfill the performance of the insurance contract is indeed accompanied by the implementation of Xun Meizhen One of the performance guarantee insurances ^ one of the performances is a business model, the lack of technical ideas and related methods of surgery only systematic integration of computing technology, will be previously only commercial 槿 ^. The present invention is fulfilled by contract [0003] The present invention proposes to use a system and method for securing contract fulfillment. Diversification technology to achieve performance [0004] In the first embodiment In the middle, one car ^; at least - the performance unit of the processing unit ΐ the control system can be profitable; with a plurality of available configuration settings to double companion, ^ 〇 system; the same risk sharing control system. The service unit, bank or ii order of the margin payment message: the performance bond (configured) and at least one H, and the information provided by the state (4) to the present - and the (4) Bureau of the °P application system Automation unit Status: Hai client performance guarantee local application system [Department: Ϊί上寺二, the performance bond risk sharing control local application system U = i configuration, and according to the client's performance guarantee basis. The short-term contract rate is used to generate the performance guarantee contract [on the other 0 ί ί 实施 实施 ' 该 该 该 该 该 该 履 履 履 履 履 履 履 履 履 ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; The company's performance guarantees the information related to the local application system. 201227581 [0007] In the other embodiments of the material, the at least one processing unit of the stagnation certificate system can set the state, and benefit, and share the local application system. The insurance request and performance execution have historically fulfilled and updated the relevant risk estimation parameters of specific customers, and the risks involved, and the use of policy recommendations and exposure location warnings. /, fund [0008] In the second embodiment, is to determine the performance guarantee method and steps, the step contains at least one configurable configuration = to ensure that the local application system and at least - performance guarantee related 'c method ^ The sample includes the implementation of the “Certificate of Margin Responsibility for Margin Flow” (<>>, to analyze the compliance margin flow risk insurance contract rate ^ = news. The relevant information of the analysis includes one or more performance evidence of compliance margin flow by a plurality of “.” The second method: “Performance guarantee” ^ Insurance management Li Tong contains several performance bond flow risks 靡 a έ e Li,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, The application system, the performance bond of the performance position ^3, and the one or more service single insurance sharing control system will utilize the beacon warehouse of the j. The performance of the performance bond is the historical data of the wind and the performance of the contract Guaranteed contract request and implementation of the risk sharing fund is the most ";: ^ use of the situation, to decide [implementation] [0010] To further the name of the name, figure description 'and invention? A clearer explanation is to help by reviewing the chart below. Explain that the responsibilities can be reviewed by the review committee. [Simplified illustration] 201227581 [1] FIG. 1 depicts an example of the performance bond risk sharing and system and its environment. ° 1 Application [0012] Figure 2 depicts an exemplary client fulfillment assurance system and its environment in accordance with one embodiment of the present invention. [0013] FIG. 3 depicts an example of a performance guarantee contract flow risk management system of the present invention and its integrated application scenario. [0014] FIG. 4 depicts an exemplary performance guarantee of the present invention = 5] FIG. 5 depicts an exemplary performance guarantee contract fee of the present invention [= Figure =: Supported performance bond flow risk sharing control [main component symbol description] [0017] In the following, from FIG. 1 to FIG. 6 %, an example is used to describe that the two various implementations in the present document should not be constructed in other ways, and are used in the field. It should be understood that the principle is to be implemented on a device or system that is properly arranged. The principle can be described in any of the [0018] FIG. 1 for an example of the implementation of the present invention, the system 102, 1〇4, 〇^ One shows the customer's financial risk sharing control system 1〇=J: performance guarantee, the management system _ contains the processing unit flow risk for a total of two early can be performed by the client to maintain & 112, this access. The innovation of the invention - 104, and the performance bond risk risk sharing control Li Ba flexible and stable process and combined with the optional payment of multi-transmission = new, industry to provide performance guarantee contract service two: Official model client client performance guarantee bureau Application system. This is more; $, the situation of Xi Xifan, bar-style management mode can be 201227581 identification needs: preparation # ^ performance guarantee of the state of the f-state and demand information of the client. For example, #与旅游服务,银行Or: ii: Gold F risk sharing control customer, performance guarantee bureau, / 'Early, insurance company and other electronic operations of the contract work together to complete the performance guarantee [〇〇19] performance bond 漭 gt U f line data operation 2 ^ H system (10) is a well-stocked control system containing at least the system. This performance margin risk is about the margin risk a it state, which can be accessed by the remote end. Wherever, the unit 11 〇 ^ 2 ' ς , , 以及 , , , , , , , , 108 108 108 108 108 108 108 108 108 108 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬 硬^ This performance bond risk risk sharing control software. Therefore, the implementation of the local application system to ensure the use of software and hardware and _ security risk sharing (four) system (10) application system 102,1〇4,1, ,, and the client The local security risk is also applicable to the processing unit of the complex number 108. The client's performance guarantee local order and the performance margin flow have ff simultaneous access to the local processing. Client performance guarantees the information provided by the local system (10). Different industry environments or single computer 单1 () 2, 1G4, and (10) can be a plurality of computer systems. Client performance guarantee local 8 201227581 application system 102, 104, And 106 may also include a plurality of servers, personal computers, or any communication device that can be used as a performance guarantee contract service to request related operations. [0021] Client performance guarantee local application system 1〇2, 1〇4, and can pass any literary or general method, including secure hypertext transfer protocol (secure hypertext transfer prot〇c〇1), secure terminal telnet ), or secure file transfer agreement (secure file transfer), about the margin flow risk sharing control system 1 〇 8 communication. Generally understand that the use of security methods is better than the general method, and the selected method is based on access Depending on the functional requirements, the present invention does not limit the adoption of only agreements or data transmission methods. 』付疋刃 [〇〇22] & client performance guarantee local application systems 102, 104, and 〇6 and performance bond risk risk The communication of the shared control system 1〇8 can be one-way or two-way. In many systems and the methods disclosed by the present invention, the two-way f-pass is better than one-way communication. The so-called one-way communication refers to data. It is sent from one communication device to another communication device. The so-called two-way communication means that data is transmitted and received between two or more communication devices. In some embodiments, the performance bond risk sharing is shared. The control system 108 can adopt a Service Oriented Architecture (a service orientation architecture) to provide a performance guarantee contract information electronic operation service ί. end-user call-function, such as a performance guarantee rate check 22, 1 = The user on the f-local application system uses the service call to obtain the information about the margin flow risk sharing control system iG8. The system or method disclosed in the present invention can be designed as a multi-tenant (two more A service provider company, multiple insurance companies, or guarantee units share the same entity database resources, but still maintain the completeness and privacy of their respective data. The new features are - the implementation of the performance guarantee contract electronic dip ^ is the number The fulfillment margin flow risk sharing control system 108's Bellow storage and pure processing list _ mining secret combination mode. If 201227581 each household performance guarantee local low-cost benefits ^ Λ q sexual intercourse by performance bond flow risk ^ ', n = Some of the special _'s can be selected by the performance guarantee, the wind? 8 * perform better; otherwise it can be maintained at the client (10) to perform performance. ^Nubei _ effective arrangement and The preferred implementation [0025] @二 describes a customer indication 200. Each client implementation _ local system 202 diagram includes a client performance guarantee local, =0. 2, and 106 to ensure local application system 2 〇 2 Package 2: This client is the H-line of the client, and the group processing unit/output unit 220. This partial system application module 1 input guarantee rate analog accounting module 2〇4 'Or the performance guarantee payment flow management system ^1 and 2 ΓΓ 3 management module payment request flow management module 21G, or performance guarantee = '3 performance guarantee fund management management certificate local application system communication, instant response Household 1 is responsible for the client's performance guarantee local application department, i 202 can be “established or insurance company's performance guarantee rate analog accounting processing: :, application module 2 2 ===== fine group 2°8, or bank =ΐ: The performance guarantee payment request flow management system a bank or guarantee unit performance bond; the spring circle; ^ two with $, , ' or the bank or guarantee unit's performance = = ; = ; time processing mode - Requires instant access to ί -. An example of a time processing mode may be the automation of a certain amount of _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ The processing of each household's performance is waiting for the response mode of the other party's system. Other connected companies = processing results can be used by the communication system 202 as a performance guarantee unit ^ Guarantee = performance guarantee local analog accounting processing system or application model Group collapse X 3 performance guarantee rate insurance ί Division's performance guarantee contract management (4) system or the performance guarantee of the unit or bank or guarantee unit, and 206, or the implementation of the bank or guarantee unit's performance module The management system or application module 212, the early performance bond guarantee system guarantees the completeness and correctness of the fund management system or the application or the guarantee unit's performance requirements, and the second non-instant processing mode. An example of an instant processing mode can guarantee the completion of a particular function of the transaction (for example, this is performed at a non-specific time [0028] not only the system function can be reviewed). The information required by the system can also be immediately or on the 5th. The mode is executed, in the embodiment, the manner required by the instant processing mode is provided. In the data storage unit 218; and the immediate location = two =, can be stored in the local There is a performance bond risk risk political power, and 1 unnecessary information can also be stored. & 糸, 统 (10) storage unit 112 [_] traditional performance bond "& after payment, consumer rights can not be paid In the purchase of services and margin flow risk sharing control system to provide special injury protection. The present invention fulfills the above problems. The method is to use the payment deposit mechanism to confiscate the unit is to join the performance guarantee. After the service, if the service provides the claim owner, the payment can be specified by the consumer or the insured or the person. Account (3) risk total payment method will be the performance of the contract amount to the limit | everyone depends on the selected virtual account, after the deposit, to ensure that 201227581 units or insurance companies are based on consumers or insurance or claims owners The payment method is selected to open the performance insurance contract to the consumer or the insured or the claim owner. In the future, the unit providing the service will receive the performance amount from the account of the deposit in accordance with the performance of the service contract. The performance guarantee contract rate is calculated according to the system setting parameters according to the performance amount, payment method, length of the deposit period, and the number of performance payment periods specified by the consumer or the insured or claim holder. . The invention adopts the system integration mode for process control, and sets the system configuration mode to perform parameter setting and calculation to solve the risk that the traditional performance guarantee guarantees the performance of the consumer. [0030] The performance of the performance bond margin risk sharing control system 1〇8 and various customer performance guarantee local application systems 202 should be implemented in an immediate or non-temporary processing mode. And what kind of processing and poor materials are stored in the client performance guarantee local application system 2〇2, or stored in the performance bond risk sharing control system 1〇8, and also implemented in the implementation . It is clear that the mode of management is based on the importance and characteristics of the data. Any system or method, such as the integration of technology, to deal with the performance of the guarantee of the gold flow risk Qiu Zhan and the control system in the relevant processing procedures and storage data, and in the implementation of the merger / reduction of the secret certificate of the credit system (10) And the plurality of client performance guarantee local application system 202 will be obviously the same as the technical features disclosed by the present invention [=] another wire determines the processing process t, or the processing program is the risk of the guarantee flow The shared control system, system 1Q8 is responsible, or the customer ^ ^, „application system 2〇2 is responsible for the embodiment, it is based on each! Ϊ f If ^ § (configuration),, „ ^ , number 夬The order of processing materials, which client applications are called, the first function, and the mode of processing; the specified parameters determine the number of arguments and the values given by the call date. 201227581 [0032] One of the advantages of the Golden Flow Risk Sharing Control System disclosed in the present invention is that it can integrate various performance guarantee services into the early stage of the industry, and is not limited to a single industry unit. The performance risk of enterprise units of different industries or different scales is determined in the system configuration with different parameter values for individual service units. The performance bond deposit management 212 and the performance guarantee contract management 206 of the bank or the guarantee unit are operated by the representative company mode, and the related accounts can be handled by the separate account module. [0 0 3 3] Another advantage of the gold flow risk sharing control system and method disclosed in the present invention is that it can quickly deploy new services or functions to a plurality of clients without changing the client's local application system. When a new service is launched (e.g., a new payment method), the service is provided to the consumer for selection without changing the client's local application system. [0034] Another advantage of the gold flow risk sharing control system and method disclosed in the present invention is that it can collect data related to the quality of the performance service as valuable information for analyzing service satisfaction rating and service quality improvement suggestions. After the completion of the performance, the system will issue a service evaluation questionnaire and ask the consumer to complete the analysis. The information related to the service quality can be collected for further analysis, such as the performance amount and quality statistics during the service provider, so that the service can be improved. The service quality of the unit and the accumulated information can also be used for insurance actuarial or academic data mining. ~ [0035] Figure 3 is an example of an implementation of the performance bond margin risk management system 3〇4 using the performance bond margin risk management application integration system. In this embodiment, the performance bond flow risk control application integration system ^02 includes a performance bond flow risk sharing control system and a client operation = guarantee local application system 202. The performance of the margin management risk management application 302 is used in the performance bond risk management system 3〇4, the general knowledge of the technical field of the second technology system integration should be able to: 'Shan this performance bond flow control application integration system The plurality of clients may be included, the performance guarantee local application system 2〇2 and the plurality of performance bond margin risk sharing control systems 108. 201227581 =]〇:::, the performance bond disclosed by the invention is controlled by the wind control party = about guarantee, then the customer aw, the bureau child 2G2, will be set according to the configuration (four) 俾 1 today, 4 fees or to protect the person Or claiming the rights of the owner of the claim, to = time Jinchuan == unified payment 1i8: performance guarantee please ^ 10 two performance bond flow risk sharing control system 'paper 108. After the request, a virtual account number 404 will be generated, and at the same time, the part of the service unit of the certificate service unit will be 2G2, and the local application system 406 of the unit or the guarantee unit will be guaranteed; the consumer or ^ The selected payment method completes the payment to the virtual account, and the partial application system 202 of the guarantee unit will notify the performance bond flow risk according to the mode of (4), and notify the payment circle of 4〇8 ^; the performance guarantee officer system 108 Notify the client of the performance guarantee company ^ Κ ϋ = about guarantee contract 410; performance guarantee contract: electricity = J: 202 Consumers or insurance or claims rights ^ 甩 祂 祂 祂 祂 祂 祂 祂 祂 祂 祂 祂 祂 祂 祂 祂 祂J = ; The service provides a single virtual account in the fulfillment amount after the execution is completed, seeking /14; and when the shared control system I. 8 Six Compliance New Zealand? ;丨=5: Jinliu risk J has issued a service quality questionnaire, please == equity owner to answer and perform performance quality data [0037] Another benefit of the mode disclosed in the present invention is system sharing, The system of partial application of the whole insurance company 9 , the guarantee unit of the field client performance guarantee, the partial application system, the bank or the control system ι〇8 linked to the guarantee, any service risk sharing research as long as the customer End-to-end 14 201227581 The guaranteed local application system is connected with the performance bond flow risk sharing control system 108, and the configuration can be immediately launched for performance guarantee transaction, which will shorten the construction time and construction cost. . [0038] In some embodiments, the present invention allows all of the data associated with the client performance assurance partial application system 202 to be stored in the central repository of the centralized performance margin risk sharing control system 108. The data stored in the central storage is a uniquely identifiable key value that is compared to the client's performance assurance local application system 202. This uniquely identifiable key value will be used in tandem with each client performance guarantee local application system 202. [0039] There is an event management mechanism in the performance bond margin risk sharing control system 108 that will track the status of all request processing and issue a warning message to the designated unit for special condition handling in the event of a delay. [0040] In some embodiments, the client performance guarantee local application system 202 is not limited to a single region, and there may be a client performance guarantee local application system across different countries or regions, in which case the performance margin flow The risk sharing control system 108 should have the ability to handle multiple currencies and multiple languages. [0041] FIG. 5 depicts an example of a rate estimation method 500 for a performance guarantee contract disclosed herein. In block 502, the rate accounting for the performance guarantee contract is to first determine the credit rating of the service unit; then in block 504, the rate accounting for the performance guarantee contract is classified by payment method, and in block 506, The rate of the performance guarantee contract is then divided into k levels according to the performance amount. The rate calculation is based on the level of performance from the lowest level. The lower the level, the lower the rate. The higher the level, the higher the rate. That is, when the amount of performance is larger, the more levels are accumulated, and the accumulated premiums are higher; then, in block 508, the rate of the performance guarantee contract is calculated according to the period of payment and the period of payment. The ratio of the number to the payment for each period is different. 201227581 ^ The higher the rate, the higher the rate; the block 510 is the self-set fee level, the service unit credit rating', the performance amount, the second payment period and each The payment rate is calculated by the rate meter A 5 5 Τ 512 512 is the parameter set by Zhao Kui Tong to calculate the performance guarantee contract premium. 』,,,, music, brother claws. Fire/acceptance, open [0 0 42^ Figure 5, the implementation of the performance guarantee contract rate method is superior to the 2 以 system to customize the # rate calculation formula, and the mold driven by the parameters has great elasticity. Moreover, as time evolves, after the historical data of the system, statistical methods can be used to calculate the parameters, ^ f change rate calculation formula and update various parameter values, which can complete the rationalization of the system and the estimation of the rate. [0043^ In the + performance bond flow risk sharing control system 1〇8, the service level of the service unit is approved by the representative insurance company or bank or guarantee unit during the payment process and the deposit period. . The premium parameters for the premium calculation formula, the performance amount hierarchy, the payment period, the payment period and the payment ratio are also set and maintained by the insurance company or bank or guarantee unit on behalf of the insurance company. [0044] The foregoing performance bond margin risk sharing control system 1 8 and client performance guarantee local application system 202 can be built on any general purpose (purular-purpse) and have sufficient processing power, memory resources and Internet connection function on the computer 600. A commercial computer can be used as a unit for some or all of the performance-guaranteed financial risk sharing control systems. Figure 6 depicts a typical computer embodiment suitable for constructing one or more of the performance margin flow risk sharing control systems 108 disclosed herein. The general purpose computer 6A includes a processor 612 (or a central processing unit CPU), which can communicate with the memory unit. The memory unit can be a read only memory (ROM) 604, a random access memory. (random access memory, RAM) 606, secondary storage 602, input/output device 608, and network connectivity device 610. The processor can be a single core or a multi-core architecture. 16 201227581 [0045] The auxiliary storage device 602 may be composed of one or more disk drives or tape drivers, may be stored as non-volatile data, or when the ram 606 is operated. When there is not enough memory space in the area, it is used as a data storage device for overflowing (over_f|ow). The auxiliary storage device 602 can also be used to store programs that can be loaded into the RAM 606 for execution. The ROM 604 is used to store program instructions or materials in execution. ROM 604 is a non-volatile memory device that typically has a smaller memory capacity than an auxiliary storage device. The RAM 606 is used to store volatile data or private instructions. The access speed of ROM 604 and RAM 606 is typically much faster than the auxiliary storage device. [0046] The input/output device 608 may include a printer, video monitors, liquid crystal displays (LCDs), touch screen displays, keyboards, Handpads, switches, dials, mice, track balls, voice recognizers, card readers, reading tapes Paper tape readers, or other well-known input devices. Network connectivity devices 610 can be modems, modem banks, ethernet cards, USB (universal serial bus) interface cards, serial interface cards (serial interfaces) ), token ring cards, FDDI (fiber distributed data interface) cards, WLAN (wireless local area network) cards, radio transceiver cards such as CDMA (code division multiple access) or GSM (global system) For mobile communication), or other well-known network devices. These network connection devices 610 can support the processor 612 to communicate with the Internet or with one or more intranets. Through this network connection, the processor 612 can receive information from the network or output the information to the network while executing the aforementioned processing procedures and methods. This information is typically represented in the form of a sequence of instructions, such as data signals embedded in a carrier, and executed by processor 612. The transmission medium is -) or embedded in the data field of the carrier t. It can be used for any technology. t=]fi processing $ 612 can be accessed and executed on a hard disk (human) (oppy) Disk), optical disk (0ptical disk), R〇M 6〇4, RAM 606, = channel connection (4), or any auxiliary storage device 602 instructions, machine code, computer program, or scripting language (scripts). ^049] Although the steps in Figure 4 are displayed in a sequential manner, 'in some special cases, it can be repeated or overlapped. It can also be configured in real time or non-instantaneous according to the configured configuration. The mode is carried out. [〇〇Ζ〇] In some implementations, the various functions described above can be implemented and supported by computer-readable code formats and computer-accessible devices and media. The so-called "computer readable code format" includes any type of computer code 'including source code (s〇urce (7) such as), object code (object code), and executable code (executabie c〇de). The so-called "computer 7L · accessible devices and media" includes any single type of computer accessible - such as ROM (read only memory), RAM (random access memory) 'hard disk drive, A compact disc, a DVD (digital video disc), or any other type of memory. [0051] Certain words mentioned in this specification are specifically defined to assist in understanding. “Funds” refer to the funds raised by the participating parties to be used as a platform for the establishment and operation of the platform and for the claims. “Risk sharing” refers to the risk that the performance guarantee may occur, and the funds that are funded by the participating parties to share the risk-bearing parts. "Circle storage" means that after the consumer completes the payment, the performance amount is not immediately paid to the service provider, but is first stored in the virtual account number, and then the payment is made by the virtual account number one by one according to the terms of the performance contract to achieve the performance. Guarantee and protect the rights of consumers or insurers or claim holders. "Premium" refers to the contractual fee of the performance guarantee 18 201227581 and is not limited to the amount of the insurance contract. [0052] <RTI ID=0.0>>>"""""""""" Therefore, the above description of the embodiments does not define or limit the invention. The scope of the claims and the scope of the claims are not to be construed as limited. VII. Patent Application Range: 1 · A system includes: to a f-performance bond flow risk sharing control system 1〇8, the performance bond flow risk sharing control system 108 includes at least—and at least one processing unit 112 In the performance guarantee = /, the control system 108, the configuration can be configured to perform at least one service unit of the performance margin flow risk control service; iS and the client performance guarantee local application system 202 'self, depends on The information related to the financial reduction service, rf, the local use system 202 can provide for the service or its combination or the performance guarantee unit, or one of the insurance commitment units? ! The at least-processing procedure of the risk sharing control system 108 and the second step; the calculation formula of the rate of the performance guarantee contract opening rate and the parameters used are calculated. 2. If the patent application scope is the risk sharing of the third item The at least one of the control system 108: the single parameter in the level of the set-up status calculation of the certificate is 'may be, but not limited to, the service providing position:, the parameter used by the reading rate' level, The payment method of the gold flow, the period of the t 5 use grade, and the performance amount of the deposit period